Universal Banker

About the role

Mechanics Bank is currently searching for a Universal Banker to join our team. Here at Mechanics Bank, we value connection, partnership, long term relationships and working together in person. This role will be working on-site.

Responsibilities

• 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 (deposits, withdrawals, check cashing, payments, transfers, mail or night drop transactions).
• Works quickly to service customers waiting in line while maintaining close attention to detail and complying with all policies, procedures and regulatory guidelines.
• 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.
• 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 and lending products and services that best meets the customer’s needs.
• Provides exemplary customer service both in person and over the phone; represents the Bank to the customer 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 and answers any questions.
• Maintains and balances 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 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.
• 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.
• May participate in monthly branch audit functions or daily review of operational reports.
• Travel: 10‑20%.

Requirements

• High School Degree or GED required (additional experience may be considered in lieu of degree).
• Minimum of 2 years of customer service experience required.
• Minimum of 1 year banking and cash handling experience required.

Skills

• 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