Customer Service Representative

Mechanics Bank is currently searching for a full-time Customer Service Representative to join our team at our Seaside Branch.

About the role

Under general supervision and in line with established policies and procedures, you will perform basic to moderately complex banking transactions. Deliver a high level of service by accurately processing transactions, resolving inquiries, and performing account maintenance. Actively assist customers, pay close attention to detail, and offer referrals for additional products and services. Ensure operational quality and accuracy, including cash balancing processes, while following all related policies, procedures, and compliance with banking regulations.

Responsibilities

• Transaction Processing
  • Perform routine teller transactions and work directly with clients.
  • Accept, verify, and process basic to more complex customer transactions according to established procedures and security guidelines, including deposits, withdrawals, check cashing, payments, transfers, and transactions received through mail or night drop.
  • Service customers efficiently while maintaining close attention to detail and complying with all policies, procedures, and regulatory guidelines.
  • Assist customers with account reconcilement, copies of statements and checks, ordering checks, account closures, address changes, stop payments, debit card maintenance, and safe deposit box access.
  • Assist at other branches as needed.
• Customer Service & Sales
  • Provide exemplary customer service both in person and over the phone, representing the Bank professionally in conduct and attire.
  • Respond to inquiries accurately, promptly, and efficiently.
  • Identify additional customer needs and make recommendations through proactive conversations.
  • Define features and benefits of products and services, providing customers with information on rates, service charges, fees, and restrictions.
  • Educate customers on banking technology, such as mobile and online banking.
• Cash Handling & Security
  • Maintain and balance a cash supply for transactions, adhering to all cash handling policies and procedures.
  • Balance cash at the end of each shift.
  • Review customer transactions for red flags and fraudulent items, maintaining awareness of criminal scams used against banking customers.
  • Refer unresolved issues to Branch Management and proper departments.
  • Assist in the opening and closing of the branch, following established security procedures.
• Administrative & Compliance Tasks
  • Gather data and process various reports and forms (e.g., Currency Transaction Reports, Reg CC holds, overdraft reports) to ensure compliance with Bank policies, Bank Secrecy Act/Anti-Money Laundering, and regulatory compliance programs.
  • Assist with branch audit functions as requested.
  • Complete required compliance tasks by assigned due dates.

Travel: 0-10%.

Requirements

• High School Degree or GED required. Additional experience may be considered in lieu of degree.
• Minimum of 1 year of experience in a banking environment with basic knowledge of bank deposit products and services preferred.
• 1 year of customer service and cash handling experience in a customer-facing role required.
• Excellent interpersonal skills, attention to detail, and customer service orientation.
• Ability to work independently and collaborate effectively as a team member.
• Ability to make decisions using available information.
• Basic knowledge of Bank deposit products and services.
• Ability to understand customer loan requests and make appropriate referrals.
• Ability to make customers aware of additional products and services and provide appropriate referrals.
• Knowledge of applicable Bank policies and procedures.

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. 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.

Pay

$20.00 - $25.00 hourly. Eligible for Retail Incentive Plan.

Benefits

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.

• 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.