Universal Banker

Universal Banker

Mechanics Bank is currently searching for a full time Universal Banker to join our team at our Atascadero Branch.

The Universal Banker 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.

What you will do :

• 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, but maintains close attention to detail and complies with all policies, procedures, and regulatory guidelines. 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.
• 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 client's needs. Processes new account transactions and works directly with customers.
• Provides exemplary customer service. Represents the Bank and its products and services with pride and enthusiasm. Senses and responds to customer needs. Identifies and pursues new or related customer opportunities for additional products and / or services.
• Assists customers with account maintenance, online banking, mobile banking, and other complex account issues. Resolves concerns presented by clients. Effectively questions and listens to customer to gain a full understanding both new and existing customer's financial circumstances and needs.
• Reviews client transactions for red flags and fraudulent items. Maintains awareness of current criminal scams used against banking clients. Prevents clients from becoming victims of fraud. Refer customers to Branch Management and the proper department for issues that cannot be resolved at the teller line.
• Receives and processes or refers consumer loan and small business loan applications. Reviews small business loan packages for required documentation. Keeps customer apprised of loan application status.
• 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.

Who you are :

Pay Range : $20.50 - $26.00 hourly

Eligible for commission / incentive plans

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 :

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.