Sr. Universal Banker
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What you'll do
- Provides comprehensive deposit services to individuals, fiduciary, and small businesses in a Retail branch.
- Opens and closes customer accounts including checking, savings, money markets, certificates of deposit, and IRAs.
- Assists customers with account reconcilement, copies of statements and checks, orders checks, account closures, address changes, stop payments, debit card maintenance, wire transfers, and safe deposit box entrances.
- Assists customers with account maintenance, online banking, mobile banking, and other complex account issues.
- Resolves concerns presented by customers.
- Performs routine teller transactions and works directly with customers.
- Accepts, verifies, and processes basic to more complex customer transactions according to established procedures and security guidelines.
- Works quickly to service customers waiting in line while maintaining close attention to detail and complying with all policies, procedures and regulatory guidelines.
- Receives and processes consumer and small business loan applications.
- Assists at other branches as needed.
- Effectively interviews and profiles new and existing customers to recommend appropriate banking products and services.
- Promotes the full range of deposit treasury management, and lending products and services that best meets the customer’s needs.
What they're looking for
- High School Degree or GED required. Additional experience may be considered in lieu of degree.
- Minimum of 2 years bank operations and sales experience required.
- Excellent interpersonal skills and customer service.
- Ability to work independently and collaborate effectively as a team member.
- Ability to make decisions and review and approve other employee decisions.
- Excellent time management skills, organizational ability, and attention to detail.
- Extensive knowledge of Bank deposit products and services.
- Thorough knowledge of Bank's standard loan products.
- Knowledge of small business and consumer credit principles and practices.
- Extensive knowledge of alternative Bank services and products and vendor provided products.
- Ability to persuade, including the value and benefits of using the Bank's services and products.
- Knowledge of applicable Federal and State banking regulations.
Nice to have
- Notary License preferred
Summarised by NextRaise from the employer’s description, which follows in full below.
Full description from employer
Under general supervision independently and accurately performs the full range of new account transactions according to established procedures. Identifies and closes ethical and appropriate sales and service opportunities for Retail Banking consumer and business customers and prospects, including deposit and lending products, additional banking services and external products through approved partners according to procedure. Performs senior level transactions including, but not limited to, complex account type account opening, account maintenance, customer problem resolution and business lending package reviews. Supports teller line transactions, including cash handling and other operational duties such as approving transactions and providing dual control support within the branch as needed. Highly knowledgeable in banking products and services, as well as full compliance will all banking regulations and internal policies and procedures. Delivers excellent customer service and is a significant contributor to the branch sales performance.
What you will do:
Transaction Processing
Provides comprehensive deposit services to individuals, fiduciary, and small businesses in a Retail branch. Opens and closes customer accounts including checking, savings, money markets, certificates of deposit, and IRAs.
Assists customers with account reconcilement, copies of statements and checks, orders checks, account closures, address changes, stop payments, debit card maintenance, wire transfers, and safe deposit box entrances.
Assists customers with account maintenance, online banking, mobile banking, and other complex account issues. Resolves concerns presented by customers.
Performs routine teller transactions and works directly with customers. Accepts, verifies, and processes basic to more complex customer transactions according to established procedures and security guidelines.
Transactions include deposits, withdrawals, check cashing, payments, transfers, and transactions received through the mail or the night drop.
Works quickly to service customers waiting in line while maintaining close attention to detail and complying with all policies, procedures and regulatory guidelines.
Receives and processes consumer and small business loan applications.
Assists at other branches as needed.
Customer Service & Sales
Effectively interviews and profiles new and existing customers to recommend appropriate banking products and services. Promotes the full range of deposit treasury management, and lending products and services that best meets the customer’s needs.
Establishes and maintains relationships with current and potential customers in anticipation of increasing deposits and fee income from the sale of bank products.
Provides exemplary customer service both in person and over the phone. Represents the Bank to the customer both in conduct and attire in a courteous and professional manner. Responds to inquiries accurately, promptly, and efficiently
Performs follow-up calls to new and existing customers to ensure customer satisfaction, answers any questions.
Handles complex or unusual customer correspondence relating to services or new accounts.
Cash Handling & Security
Responsible for maintaining and balancing a cash supply for transactions performed. Adheres to all cash handling policies and procedures and balances cash at the end of each shift.
Reviews customer transactions for red flags and fraudulent items. Maintains an awareness of criminal scams used against banking customers. Reviews account completely prior to performing overrides.
Ensures all new account documentation is obtained, reviewed, and stored per bank policy.
Effectively performs responsibilities for processing and balancing ATM, daily branch balancing, and cash orders. Assists in the opening and closing of the branch, following established security procedures.
Administrative & Compliance Tasks
Gathers data and processes various reports and forms (e.g., Currency Transaction Reports, Reg CC, holds, overdraft, etc.) to ensure compliance with Bank policies and procedures, Bank Secrecy Act/Anti-Money Laundering and regulatory compliance programs.
Completes required compliance training by assigned due dates.
Maintains compliance with established internal operational standards and Federal and State regulations to protect the interest of the Bank and customers; reviews the work of others for compliance.
Participate in monthly branch audit functions or daily review of operational reports.
Provides notary service to customers.
Travel: 0-10%
Who you are:
High School Degree or GED required. Additional experience may be considered in lieu of degree.
Minimum of 2 years bank operations and sales experience required.
Notary License preferred
Excellent interpersonal skills and customer service.
Ability to work independently and collaborate effectively as a team member.
Ability to make decisions and review and approve other employee decisions.
Excellent time management skills, organizational ability, and attention to detail.
Extensive knowledge of Bank deposit products and services.
Thorough knowledge of Bank's standard loan products.
Knowledge of small business and consumer credit principles and practices.
Extensive knowledge of alternative Bank services and products and vendor provided products.
Ability to persuade, including the value and benefits of using the Bank's services and products.
Knowledge of applicable Federal and State banking regulations.
ADA Requirements:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit and talk or hear, and use hands to finger, handle, or feel objects, tools, or controls.
The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 10 pounds.
Specific vision abilities required by this job include close vision.
The noise level in the work environment is usually moderate.
#LI-ML1
Pay Range: $23.00 - $31.00 hourly
Eligible for Retail Incentive Plan
Our comprehensive employee benefits program is designed for you to live your best life at work, home, and everywhere in between. Employees working 25 hours or more per week are eligible for health benefits effective the first day of the month following or coinciding with their date of hire.
Benefits package includes[1]:
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)
Final compensation package will be determined by the work experience, education, and/or skill level of the applicant along with internal equity and alignment with geographic market data.
Mechanics Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, religion, national origin, age, genetic information, veteran status, or on the basis of disability, gender identity, sexual orientation or other bases prohibited by applicable law.
Please view Equal Employment Opportunity Posters provided by OFCCP here.
To learn more about Mechanics Bank’s California privacy and security policies, including your right to a Notice At Collection as a California Resident, please visit
California Privacy Policy for Prospective Employees | Mechanics Bank
[1] The benefits listed in this job posting reflect the Bank’s most reasonable and genuinely expected benefits offered for this position.
Company
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