Utility Universal Banker

Mechanics Bank-posted 5 days ago

$22 - $30/Yr

Full-time • Entry Level

Salinas, CA

1,001-5,000 employees

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Mechanics Bank is currently searching for a Utility Universal Banker to join our team at our Salinas Westridge Branch. Under general supervision, independently and accurately performs the full range of teller and new accounts transactions according to established procedures. Provides dual control support, delivers excellent customer service, and is responsible for the sales and servicing of all Bank products and services. Works with the sales team to achieve personal goals in the areas of deposit growth, business relationship growth and consumer relationship growth. The Utility is required to travel between temporary assignments at branch offices within a designated region. They are responsible for processing cash and non-cash transactions in accordance with company policy and procedures, providing superior customer service.

Performs routine teller transactions, new account transactions and works directly with customers.
Responsible for maintaining and balancing a cash supply for transactions performed.
Assists customers with account maintenance, online banking, mobile banking, and other complex account issues.
Resolves concerns presented by customers.
Effectively questions and listens to customers to gain a full understanding of both their new and existing financial circumstances and needs.
Provides comprehensive deposit services to individuals, fiduciary, and small businesses in a Retail office.
Promotes the full range of deposit products and services that best meets the customer’s needs.
Reviews customer transactions for red flags and fraudulent items.
Maintains awareness of current criminal scams used against banking customers.
Prevents customers from becoming victims of fraud.
Refers customers to Branch Management and the proper department for issues that cannot be resolved at the teller line.
Represents the Bank and its products and services with pride and enthusiasm.
Utilizes sales techniques to uncover customer needs to present the bank’s products and services.
Provides additional information to customers regarding bank’s special promotions.
Receives small business loan applications and reviews loan packages for required documentation.
Processes simple consumer loan packages and refers real estate secured consumer loans or complex business loans to business partner.
Gathers data and processes various reports and forms (e.g., Currency Transaction Reports, Reg CC, holds, overdraft, operational branch reports, etc.) to ensure compliance with Bank policies and procedures, Bank Secrecy Act/Anti-Money Laundering and regulatory compliance programs.
Keeps a clean, organized work area and a professional appearance.
Completes required compliance training in a timely manner.
Participates in branch, Region, and Bank campaigns.

High School Diploma or GED required or equivalent combination of education and experience required.
Approximately 80 - 90% travel is required, typically within a 50-mile radius. May exceed dependent upon territory. Mileage will be paid for travel between assignments.
Minimum of 2 years of banking experience in operations and sales required.
Excellent interpersonal skills, attention to detail, and customer service.
Ability to work independently and collaborate effectively as a team member.
Ability to make decisions using information available.
Working knowledge of Bank deposit products and services.
Working knowledge of Bank's consumer loan products.
Basic knowledge of alternative Bank services and vendor provided products.
Ability to persuade, including the value and benefits of using the Bank's services and products.
Knowledge of applicable Bank policies and procedures.

Notary license preferred

Medical, prescription, dental, and vision coverage for employees and their eligible family members
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 and Commuter/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, Voluntary Legal and Identity Theft Services
11 paid holidays, paid Sick days (accrual of one hour for every 30 hours worked), up to 25 paid vacation days, and 16 hours of paid volunteer time throughout the calendar year
Free personal checking and savings account; Discounted rates on primary residence loan with $0 origination fees (restrictions apply)

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