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.
Customer Service & Sales
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 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 and answers any questions.
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.
May participate in monthly branch audit functions or daily review of operational reports.
Travel required: 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.
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 product
Benefits
Vision insurance
Additional Information
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.
Under general supervision, independently performs basic to moderately complex banking transactions. Delivers excellent customer service. Responsible for the operational quality and accuracy of their work, including cash balancing processes. Follows all related policies and procedures and compliance with all banking regulations. Actively assists customers, pays close attention to detail, and offers referrals for additional products and services. Performs complex operational transactions, including dual control and custodial processes. Identify additional banking services needed by the customer and supports in the referral and/or opening or appropriate service. Open basic consumer and business accounts, as well as identify and process applications for basic consumer and business lending opportunities. Works with leadership team to achieve personal goals in the areas of deposit growth, business relationship growth, consumer relationship growth and operational soundness.
Mechanicsbank · Concord, CA