Universal Banker (Merced, CA)

Mechanics Bank•Merced, CA

1d•Onsite

About The Position

Mechanics Bank is seeking a Universal Banker to work on-site in Merced, California. Under general supervision, the Universal Banker independently performs basic to moderately complex banking transactions and provides excellent customer service. The role is accountable for accurate work and operational quality, including cash balancing, and follows bank policies, procedures, and applicable regulations. The banker assists customers, identifies needs, refers customers to appropriate products and services, opens basic consumer and business accounts, and identifies and processes applications for basic consumer and business lending opportunities. The role works with branch leadership to achieve goals for deposit growth, business and consumer relationships, and operational soundness. The Universal Banker processes teller transactions and provides deposit and account services to individuals, fiduciary customers, and small businesses. Services include opening and maintaining accounts, resolving account issues, supporting digital banking, and performing various customer-requested transactions. The role interviews and profiles customers to recommend suitable deposit and lending products, provides service in person and by phone, and follows up with customers. The position handles and balances cash, reviews transactions for potential fraud, supports ATM and branch balancing, and assists with branch opening and closing. It also performs administrative and compliance tasks, including reports and documentation, required training, and adherence to internal standards and federal and state regulations. Travel is 10–20%.

Requirements

High school diploma or GED; additional experience may be considered in lieu of a degree.
At least 2 years of customer service experience.
At least 1 year of banking and cash-handling experience.
Excellent interpersonal skills, attention to detail, and customer service skills.
Ability to work independently and collaborate effectively as a team member.
Ability to make decisions using available information.
Working knowledge of bank deposit products and services.
Working knowledge of the bank's consumer loan products.
Basic knowledge of alternative bank services and vendor-provided products.
Ability to persuade customers by explaining the value and benefits of the bank's services and products.
Knowledge of applicable bank policies and procedures.

Responsibilities

Perform routine teller transactions and accept, verify, and process basic to complex customer transactions, including deposits, withdrawals, check cashing, payments, transfers, and transactions received by mail or night drop.
Provide comprehensive deposit services to individuals, fiduciary customers, and small businesses.
Open and close checking, savings, money market, certificate of deposit, and IRA accounts.
Assist customers with account reconcilement, statement and check copies, check orders, account closures, address changes, stop payments, debit card maintenance, wire transfers, safe deposit box access, account maintenance, and online and mobile banking.
Resolve customer concerns and assist at other branches as needed.
Interview and profile new and existing customers to recommend appropriate banking products and services.
Promote deposit and lending products and services that meet customer needs; identify additional service needs and support referrals, openings, or service processing.
Provide courteous, professional service in person and over the phone, respond to inquiries accurately and promptly, and follow up with customers to ensure satisfaction.
Maintain and balance cash supplies, follow cash-handling procedures, and balance cash at the end of each shift.
Review transactions for red flags and fraudulent items, remain aware of scams targeting banking customers, and review accounts before performing overrides.
Ensure new-account documentation is obtained, reviewed, and stored according to bank policy.
Process and balance ATM activity, daily branch balancing, and cash orders.
Assist with branch opening and closing according to established security procedures.
Gather data and process compliance reports and forms, including Currency Transaction Reports and Reg CC, holds, and overdraft documentation.
Complete required compliance training and maintain compliance with bank policies, operational standards, and federal and state regulations; review others' work for compliance.
Participate in monthly branch audits or daily reviews of operational reports as needed.
Work with the leadership team toward goals for deposit growth, business and consumer relationship growth, and operational soundness.

Benefits

Medical, prescription, dental, and vision coverage for employees and eligible family members; eligibility for employees working 25 or more hours per week begins the first day of the month following or coinciding with hire.
Employer-paid Employee Assistance Program, life insurance, AD&D, and disability benefits.
Health Savings Account with employer contribution.
Healthcare and dependent care Flexible Spending Accounts.
Commuter and parking benefit.
401(k) and Roth 401(k) with company contribution.
529 Education Savings plan.
Tuition Reimbursement Program and Student Loan Assistance Program.
Supplemental health plans and voluntary legal and identity theft services.
11 paid holidays, paid sick leave accruing at one hour per 30 hours worked, up to 25 paid vacation days, and 16 hours of paid volunteer time per calendar year.
Free personal checking and savings account.
Discounted rates on primary residence loans with $0 origination fees, subject to restrictions.
Eligible for Retail Incentive Plan.