Careers

Position Summary

Responsible for generating residential mortgage and equity loan products in the communities within the Bank lending footprint. Expected to achieve individual sales and profitability goals by developing referral relationships with Bank associates, realtors, builders, non-profits, government entities and other sources. Assumes overall responsibility for the residential mortgage loan process from application to closing. This includes taking the mortgage application, preliminary underwriting review and submitting the completed application for processing. Acts as the primary contact for any follow-up documentation needed to complete the underwriting process. Provides exceptional customer service and advocacy. Will build, maintain, and expand relationships in order to generate additional business opportunities for the Bank. Serves as the primary point of contact with customers and builders during the project phase on residential construction permanent loans.

Essential Job Functions/Responsibilities

The essential functions include, but are not limited to the following:

• Develop prospects and referral contacts (realtors, builders, professional and personal contacts).
• Responsible for new product and program develop and implementation to support the strategic objectives of the department.
• Responsible for managing the construction loan project phase of the residential construction permanent loan. Reviews the periodic project inspections to ensure the project is proceeding as anticipated. Approves the work completed against the inspection form and submits a request for the related advance from the construction loan. Responsible for reviewing title run downs to ensure the title is not encumbered by mechanic’s liens.
• Responsible for the preparation and presentation of new loan commitments with bi-weekly Security Committee.
• Responsible for submitting loan modification requests to the Security Committee.
• Maintain knowledge of available loan products, processing procedures and underwriting guidelines.
• Maintain knowledge for all applicable federal and state regulations related to the loan origination process. These regulations include, but are not limited to: BSA, Fair Lending, SAFE Act, HMDA, Truth in Lending, RESPA, and the TRID Disclosure Rule.
• Conduct and coordinate homebuyer-training seminars for potential mortgage applicants.
• Collect appropriate documentation from each applicant and deliver loan package within Bank guidelines.
• Manage pipeline for all originated loans through closing and complete required management reports.
• Communicate with applicants and/or referral sources by providing timely updates and progress reports.
• Maintain high levels of customer service with internal and external clients.
• Involvement in the community and with non-profit organizations and governmental agencies focused on affordable housing programs.

Minimum Qualifications (Education/Knowledge, Skills, and Abilities)

• Bachelor’s degree preferred or related qualifications.
• (5) five – (8) eight years of residential lending experience.
• Strong background delivering an excellent customer experience to internal and external customers.
• Experience in FNMA/FHLMC/FHA/VA programs and underwriting guidelines, as well as those of other conventional investors, state/local bond programs and private mortgage insurers.
• Strong background with loan and bank operations preferred.
• Well-developed sales ability with proven track record.
• Knowledge of residential mortgage processing, underwriting, and closing procedures.
• Knowledge of federal lending regulations and state laws governing real estate lending.
• Demonstrated ability to analyze financial information.
• Strong written and verbal communications skills, including public speaking.
• Excellent organizational and time management skills.
• Demonstrated teamwork and customer service skills and ability to effectively counsel customers.

Position Summary

With the direction of the IT Manager, the IT Network Security Engineer is charged with supporting the Information Technology Department infrastructure, technology implementations, technical escalations and other technology initiatives as assigned by IT Management.

Essential Job Functions/Responsibilities

The essential functions include, but are not limited to the following:

• Responsible for network technology planning, design, implementation, troubleshooting, and operational support for (20+) sites and remote employees.
• Engineering and administration of core foundational infrastructure: LAN/WAN/WLAN, Internet, routing, switching, security (firewalls), SDWAN.
• Management and support of Network Security Services including SIEM, network monitoring, investigations of security alerts, and incident response procedures.
• Implement and support technology systems in both the on-premises data center, as well as cloud-based platforms including Azure and AWS.
• Life cycle planning for future technology initiatives for the bank.
• Work closely with the IT Manager, IT resources, internal business users and external vendors, working in a collaborative manner to ensure that end user escalations are fully addressed.

Minimum Qualifications (Education/Knowledge, Skills, and Abilities)

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required to fulfill this position.

• Incumbent/candidate must have excellent verbal and written communication skills and be able to work with individuals at all levels within and outside of the organization.
• A minimum of 8 years of Information Technology experience, and 4 years in a lead role or engineering consulting role.
• Must possess solid, working understanding of network design concepts, including implementation/migration of routing protocols, layer 2/3 fault tolerance design, as well as secure networking technologies and concepts.
• Experience with network engineering, including design, implementation, security, optimization, monitoring and troubleshooting of LAN, WAN, WLAN, and SDWAN networks.
• Demonstrated knowledge of security technologies and procedures including firewalls, IDS/IPS, DLP, vulnerability scanning and management, malware/virus prevention, SIEM / logging, security groups and network segmentation, system hardening, and incident response.
• Proficient with server and desktop virtualization technologies including vSphere ESXI.
• Strong understanding of Azure AD and Office 365.
• Analytical and problem-solving skills.
• Ability to create high level technical documentation.
• Strong attention to detail and methodical approach to trouble shooting technical issues.

EDUCATION and/or EXPERIENCE

Bachelor's degree (B. A.) from an accredited college or university in Management Information Systems, Computer Science, Information Technology, and/or equivalent work experience.

Position Summary

Responsible for processing all residential and equity product applications. Works closely with the loan officers, branch personnel, underwriter, and applicable third-party vendors to ensure the Bank provides the best possible levels of service to its customers in this process.

Essential Job Functions/Responsibilities

The essential functions include, but are not limited to the following:

• Obtain and analyze information necessary to process mortgage applications including, but not limited to, calculation of income, asset verification and any other pertinent information.
• Daily pipeline management with a focus on meeting rate lock expirations, mortgage commitments, department turnaround times and communication standards.
• Coordinates, assembles, processes, verifies all information and updates the information in the loan origination system for all loan applications.
• Works with customers to obtain any documents and other conditions required to process the application.
• Obtains: credit reports, flood determination, private mortgage insurance, and performs a lien search using the Warren Group.
• Mails or emails the Loan Estimate and other disclosures to all borrowers for signing and maintains communication with the customers throughout the process.
• Processes credit card or check payments for all appraisal orders.
• Orders and tracks all appraisals through the appraisal management company.
• Orders Automated Value Model and interfaces with Warren Group to obtain a value for all Home Equity Loans and Lines to determine the best estimated value of property.
• Upon receiving appraisal, updates loan origination system, disseminates a copy of the appraisal to the customer and uploads the appraisal to the Uniform Appraisal Dataset (UAD) website.
• Prepares the HMDA worksheet for the file on all loans when applicable.
• Orders title work on all first purchase and refinance transactions.
• Maintain knowledge of available loan products, processing procedures and underwriting guidelines.
• Pre-underwrites files prior to submitting to the underwriter.

Minimum Qualifications (Education/Knowledge, Skills, & Abilities)

• (2) Two to (4) four years of residential lending experience.
• Strong background delivering an excellent customer experience to internal and external customers.
• Experience in FNMA/FHLMC/FHA/VA programs and underwriting guidelines, as well as those of other conventional investors, state/local bond programs and private mortgage insurers.
• Knowledge of federal lending regulations and state laws governing real estate lending to include: TRID, RESPA, TILA, ECOA, HMDA, FCRA, FACTA, and UDAAP.
• Excellent organizational and time management skills.
• Demonstrated teamwork and customer service skills and ability to effectively counsel customers.
• Intermediate knowledge of Microsoft Excel, Word, Outlook, and prior experience using a loan origination system.

Education Requirements

Bachelor's degree (B. A.) from an accredited college preferred, and/or equivalent work experience.

Position Summary

The Business Analyst will lead efforts to develop and implement a business intelligence strategy across the organization. Engage with executives and stakeholders to understand data and reporting needs, identify potential solutions using new or existing tools, then develop and implement strategies that improve business intelligence capabilities and drive strategic decision making.

Essential Job Functions/Responsibilities

The essential functions include, but are not limited to the following:

• Collaborate with management and staff from across the organization to understand business issues and identify data analytics and reporting requirements.
• Understand the data architecture and reporting capabilities of existing business systems, evaluating the opportunities and limitations for these systems to provide strategic business data.
• Create requirement documentation that will translate business needs into requirements that can be understood by management and staff.
• Ensure that proposed system features, and requirements meet user needs and satisfy business objectives and initiatives.
• Prioritize initiatives based on business needs and requirements.
• Assist in creation and implementation of test plans that are mapped to documented requirements.
• Perform and coordinate User Acceptance Testing (UAT) and/or BETA presentations as required on department related projects.
• Perform ad-hoc analysis as needed to answer specific business questions and produce actionable insights.
• Create training and system documentation, conduct training sessions, create training videos as required.
• Manage special projects as assigned by IT management.

Minimum Qualifications (Education/Knowledge, Skills, and Abilities)

• A bachelor’s degree in business or related field.
• A minimum of five (5) years of experience in business analysis or related field.
• Exceptional analytical and conceptual thinking skills.
• Advance technical skills.
• Excellent documentation skills.
• Fundamental analytical and conceptual thinking skills.
• Experience creating detailed reports and giving presentations.
• Excellent planning, organizational, and time management skills.