Sr. Universal Banker

Mechanics Bank is currently searching for a Sr. Universal Banker based at our Hilltop Richmond Branch. In this role, you will independently and accurately perform the full range of teller and new account transaction according to established procedures. Identify and close sales opportunities for retail banking consumer and business clients. Refer quality opportunities to Bank partners as appropriate. Approve client and internal transactions for other employees, provides dual control support, and is highly knowledgeable in operating policies and procedures. Delivers excellent customer service. What you will do:

• Performs routine teller transactions, new account transactions and works directly with clients. Responsible for maintaining and balancing a cash supply for transactions performed.
• Provides comprehensive deposit services to individuals, fiduciary, and small businesses in a retail branch. Promotes the full range of deposit and lending products and services that best meets the client's needs.
• Receives, processes and closes consumer loan and small business loan applications and reviews loan packages for required documentation. Clarifies to customer basic qualifications for the loan(s), rates, terms and conditions. Keeps customer apprised of loan application status.
• Assists customers with account maintenance, adoption of digital banking channels, and other complex account issues. Deepen relationships and resolve concerns presented by clients.
• 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.
• 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. Escalates concerns to management for resolution.
• 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 lead and direct the activities of Customer Service Representatives and other Universal Bankers.

Who you are:

• 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.
• High School Diploma/GED
• 1 to 3 years of experience

#LI-MV1 MV3

• 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 https://www.mechanicsbank.com/California-Consumer-Residents