Careers

Position Summary

Responsible for analyzing credit information on current and potential borrowers; shares data for granting credit for a variety of diversified loans; assists loans officers in writing loan requests.

Essential Job Functions/Responsibilities

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

• Perform all functions within scope of authority and expertise and in conformance with established Bank policies, strategies, and procedures, to provide the highest level of service and responsiveness to the customers served by the Bank.
• Spread and analyze financial statements to present credit recommendations in a written and verbal manner.
• Work directly with Commercial Lenders to prepare approval memos, renewal requests, and loan modifications.
• Assist in the protection of asset quality of the commercial portfolio by preparing annual reviews on commercial relationships.
• Maintain tickler systems within the Loan Origination platform
• Assist in monitoring requests for and receipt of all borrowers’ financial statements.
• Order, receive, track, and review appraisals and environmental reports.
• Prepare a variety of reports on a scheduled and as-needed basis. Discuss reports and suggest additional information needed. Prepares credit history comments summarizing loans.
• Perform all duties in accordance with prescribed regulatory compliance guidelines.

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

• Bachelor’s Degree in Finance or Accounting.
• (2) Two to (5) five years of direct commercial, cash management, or private banking experience.
• General familiarity with CRE and C&I underwriting and lending. Formal credit training preferred.
• Strong experience with Microsoft Excel and Word.
• Excellent client service and communications skills.
• Outstanding quantitative/analytical and oral/written skills.
• Proficient in multi-tasking in a team-oriented environment focused on the highest level of customer service, while maintaining an ability to deliver finished products within a predetermined timeframe.

Language Skills

Ability to read, analyze, and interpret complex documents. Ability to respond effectively to sensitive inquiries or complaints. Ability to write/create reports. Ability to clearly present analysis performed in a written and verbal manner.

Mathematical Skills

Ability to calculate figures and amounts such as discount rates, interest rates, commissions, proportions, percentages, and ratios. Ability to apply concepts of basic algebra. Solid understanding of accounting principles and federal tax reporting.

Reasoning Ability

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several very abstract and concrete variables.

Supervisory Responsibilities

None.

Physical Demands

This position is an office-based position in terms of physical demand. Employees are expected to be able to operate their fingers and hands to perform functions such as typing, writing, and filing. Employees must also be able to move throughout the office with ease while also being able to sit for extended periods of time. Employees must be able to see and hear in an office setting that does include much noise going on around one’s workspace. While this job is mainly clerical, there are instances in which employees must be able to transport up to 20 pounds.

Work Environment

This job operates in a bank branch office. It is a professional environment.

Note

The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties (both related and unrelated to the above) may be assigned and are therefore required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

It is the policy of North Easton Savings Bank to comply with all federal and state laws including, but not limited to, the requirements of 41 CFR 60-1.4(a), 60-300.5(a) and 60-741.5(a). These regulations prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on their race, color, religion, sex, or national origin.

Position Summary

Responsible for generating residential mortgage and equity loan products within the Bank’s 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 to generate additional business opportunities for the Bank.

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).
• Manages the customer experience. Serves as the liaison between all parties (i.e., brokers, borrowers, and the Bank) during the application process for mortgage loans. Responds to customer questions and inquiries.
• Maintain knowledge of available loan products, processing procedures and underwriting requirements.
• 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, & Abilities)

• High School Diploma (College degree preferred, but not required).
• Minimum (2) two years loan origination experience required.
• 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.

Physical Demands

This position is an office-based position in terms of physical demand. Employees are expected to be able to operate their fingers and hands to perform functions such as typing, writing, and filing. Employees must also be able to move throughout the office with ease while also being able to sit for extended periods of time. Employees must be able to see and hear in an office setting that does include much noise going on around one’s workspace. While this job is mainly clerical, there are instances in which employees must be able to transport up to 20 pounds.

Work Environment

This job operates in a bank branch office. It is a professional environment.

Note

The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties (both related and unrelated to the above) may be assigned and are therefore required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

North Easton Savings Bank is dedicated to being an equal opportunity workplace. To reach and maintain this goal, the Bank strictly prohibits harassment and discrimination based on gender, sex, race, ethnic background, age, physical disability, mental disability, and anything else protected by law. North Easton Savings Bank welcomes diversity and we believe that diversity is the root of successful teams and an overall successful workplace.

Position Summary

Responsible for managing a portfolio of existing commercial and private banking relationships; originating new financing transactions and relationships, and cross selling the Bank’s other products and services.

Essential Job Functions/Responsibilities

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

Existing clients:

• Ensure that credit files (paper and or digital) are complete including customer correspondences and LO/PM site visit documentation.
• Maintain financial and loan covenant tracking reports and ensure portfolio compliance.
• Ensure that credit is properly risk rated. Reviewing, monitoring, and reporting any changes in credit quality in a timely fashion.
• Maintain current BSA information.
• Track, collect, review, and maintain current financial information on their portfolio.
• Work closely with the credit department to ensure the timely completion on annual reviews.
• Work with the lender to ensure appropriate customer contact with the portfolio.
• Monitor and follow-up on late payments.
• Obtain and maintain customer renewal documentation.
• Assist with customer transactions such as wire transfers, advances, and payments.

New clients:

• Work with the LO and credit department to develop appropriate structure and pricing for new credit facilitate, consistent with credit risk, Bank policies and regulatory compliance.
• Prepare term sheets for prospective clients.
• Assist with the preparation of complete credit packages to submit for approval.
• Prepare commitment letters consistent with the terms of the CAM.
• Assuring that all documentation that is needed for closing new transactions are obtained prior to or at the closing.

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

• Bachelor’s Degree in related field or equivalent work experience.
• Minimum (3) three years’ experience.
• Knowledge of commercial credit underwriting, basic accounting, loan documentation, and portfolio management.
• Proficient in commercial software applications such as LV, Identify, etc. as well as navigating the Bank’s core data system.
• Excellent client service and communications skills.
• Outstanding interpersonal skills to be able to interact with customers and all levels of bank management.

• Strong time management skills.
• Exceptional writing skills to write reports to management and correspond with customers.

Physical Demands

This position is an office-based position in terms of physical demand. Employees are expected to be able to operate their fingers and hands to perform functions such as typing, writing, and filing. Employees must also be able to move throughout the office with ease while also being able to sit for extended periods of time. Employees must be able to see and hear in an office setting that does include much noise going on around one’s workspace. While this job is mainly clerical, there are instances in which employees must be able to transport up to 20 pounds.

Work Environment

This job operates in a bank branch office. It is a professional environment.

Note

The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties (both related and unrelated to the above) may be assigned and are therefore required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

North Easton Savings Bank is dedicated to being an equal opportunity workplace. To reach and maintain this goal, the Bank strictly prohibits harassment and discrimination based on gender, sex, race, ethnic background, age, physical disability, mental disability, and anything else protected by law. North Easton Savings Bank welcomes diversity and we believe that diversity is the root of successful teams and an overall successful workplace.

We have both Full-time and Part-time Teller positions open!

Position Summary

Performs banking activities within established Bank policies and procedures.

Essential Job Functions/Responsibilities

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

• Provides account services to customers by receiving deposits and loan payments, cashing checks, issuing savings withdrawals, and recording night and mail deposits.
• Answers questions in person or on telephone and refers customers to other bank services, as necessary.

• Records transactions by logging cashier’s checks, traveler’s checks, and other special services; preparing currency transaction reports.
• Cross-sells bank products by answering inquiries, informing customers of new services and product promotions, ascertaining customers’ needs, and directing customers to a branch representative.
• Completes special requests by closing accounts, taking orders for checks, completing safe-deposit box procedures, and providing special statements, copies, and referrals.
• Reconciles cash drawer by proving cash transactions, counting, and packaging currency and coins.
• Maintains supply of cash and currency and turns in excess cash and mutilated currency to head teller.
• Tracking, recording, reporting, and storing information related to transactions, bank supplies, and customers, ensuring all information is accurate and complete.
• Maintaining and balancing cash drawers and reconciling discrepancies.
• Complies with bank operations and security procedures by participating in all dual-control functions, maintaining customer traffic surveys, auditing other tellers’ currency, and assisting in certification of proof.
• Maintains customer confidence and protects bank operations by keeping information confidential.
• Attends scheduled meetings.
• Participates in Saturday rotation.
• Other duties assigned or required.

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

• High school diploma or equivalent.
• Cash handling and/or customer service experience preferred.
• Exceptional customer service skills.
• Strong computer and math skills.
• Strong communication, interpersonal, and sales skills.
• Ability to maintain high level of confidentiality.
• Ability to be detail oriented, efficient, and produce accurate work.
• High level of accountability, growth mindset, and teamwork/collaboration.
• Must be able to work rotating schedule of Monday through Saturday.

Supervisory Responsibilities

None.

Physical Demands

This position is an office-based position in terms of physical demand. Employees are expected to be able to operate their fingers and hands to perform functions such as typing, writing, and filing. Employees must also be able to move throughout the office with ease while also being able to sit for extended periods of time. Employees must be able to see and hear in an office setting that does include much noise going on around one’s workspace. While this job is mainly clerical, there are instances in which employees must be able to transport up to 20 pounds.

Work Environment

This job operates in a bank branch office. It is a professional environment.

Note

The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties (both related and unrelated to the above) may be assigned and are therefore required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

It is the policy of North Easton Savings Bank to comply with all federal and state laws including, but not limited to, the requirements of 41 CFR 60-1.4(a), 60-300.5(a) and 60-741.5(a). These regulations prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on their race, color, religion, sex, or national origin.

Position Summary

The Call Center Representative provides customer sales and service by telephone, email, and other forms of electronic communication. Uses written correspondence and the Internet to assist customers. Substantial knowledge of North Easton Savings Bank’s products and services is required to ensure that information communicated to the customer is accurate and complete. Receives incoming telephone calls and other communications from customers needing assistance with existing accounts, purchasing products, and opening new accounts. Places outgoing telephone calls to customers in connection with specific service requests, or to welcome them to new services and answer questions. Uses the telephone, the Internet, email, and other tools to communicate with the customer verbally and in writing, both electronically and on paper.

Essential Job Functions/Responsibilities

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

• Handle questions and product inquiries from customers.
• Recommend appropriate products and place orders for customers.
• Handle complaints and other customer requests.
• Welcome customers to bank Websites, products, and services.

Expert in providing pleasant and professional telephone follow-up services to customers in accordance with sales and marketing guidelines established by North Easton Savings Bank. Proficient with computer systems, including keyboarding, typing, data entry, operation of a computer mouse, social media, and Web navigation skills.

Works to meet and exceed sales and service goals set by North Easton Savings Bank. Goals include, but are not limited to, the following categories:

• Contact quality goals.
• Sales goals.
• Productivity goals such as the number of contacts handled each day and average contact length.
• Effective use of customers' time (average work time per call).
• Greet and assist customers in a friendly, professional manner according to North Easton Savings Bank’s quality standards.
• Process customer inquiries and answer questions related to deposits, withdrawals, payments, general ledger entries and negotiable instruments sales.
• Achieve monthly sales/referral goals.
• Provide customers with assistance or direct them to the appropriate person as it relates to other bank services.
• Understand and adhere to bank policies and procedures for daily operations, security, and compliance.
• Attend all required regulatory training and other internal training as provided.
• Other duties related to the position.

Performance Measurements

I. Contact Quality Meets and exceeds contact quality standards defined by North Easton Savings Bank. The Call Center Manager (Manager) listens to (monitors) calls and other contacts with the Call Center Representative (Representative) on a regular basis, both in-person and from a remote location, documenting performance and sharing results with the Representative. Contact quality is quantified and measured numerically for each Representative by the Manager on a regular basis. The information is used to measure performance and to identify areas of opportunity in which to concentrate development efforts. Is an active participant in the development process with the manager, working together to develop and follow written action plans designed to improve development in specific areas of performance.

II. Productivity Meets and exceeds productivity standards established by North Easton Savings Bank and tracked by the office’s contact management software system (BITS) and its computer contact tracking system. The Manager reviews team statistics daily and provides regular feedback to individuals and to the team as a whole. The Manager uses the coaching and development process to work with each Representative to help them attain specific goals. Examples of such goals include:

Calls per Hour and Average Work Time per Call

Calls per hour is defined as the average number of calls handled by a Representative during each hour they are logged into the telephone system. Average work time measures all activities associated with handling a call, including talk time, after call work, and other miscellaneous activities.

Sales Referrals per Hour

Sales referrals per hour is defined as the average number of sales or qualified leads generated by the Representative for each hour they are logged into the system. A sales referral is specifically defined by North Easton Savings Bank, but in general means identifying a sales opportunity through appropriate questioning techniques and introducing the caller by telephone to a sales professional at the bank. The Representative enters the sales referral in the contact tracking system for reporting purposes.

III. Sense of Ownership and Empowerment

Responsibility and Leadership:

Acts as a role model for his or her peers, especially for new representatives in the Call Center. Understands and abides by company policies as outlined in North Easton Savings Bank personnel department guidelines. Builds working relationships with other departments at North Easton Savings Bank (such as Loan Processing and Operations).

Process Management:

Makes suggestions that will enable the Call Center to operate more efficiently and effectively. All suggestions are directed to the Assistant Manager or Manager. The only limitation on this activity is that the quantity and quality of information provided does not negatively impact the Representative's ability to perform the primary function of the job.

Individual Growth and Contribution:

Takes ownership in his or her individual growth and personal contributions to the bank and the Call Center. Develops existing skills and to acquire new skills, including those that may enable them to be assigned and/or promoted to other positions at the bank. Works to develop and enhance existing skills through practice and acquires new skills through training. Obtaining access to additional training is a personal responsibility. This involves making a determination with the Manager regarding the training needed to further career growth or professional development, agreeing on goals, and then getting approval to obtain training.

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

• Proficient in locating information using online computer reference systems, Web-based applications, and printed documents.
• Possesses professional communication ability including active listening and customer service skills, is articulate, speaks English fluently, and uses proper diction and grammar.
• Able to enunciate clearly at all times and pace his or her conversation with that of the person they are speaking to.
• Maintains a dialog with the customer while simultaneously processing information and documenting customer responses using a computerized scripting, account management, and reference system.
• High School Diploma (or equivalent).
• 1-2 years previous banking experience.
• Able to use a computer, mouse, and keyboard with proficiency.
• Basic Web navigation skills and experience.
• Able to deal with customers under circumstances requiring tact and diplomacy.
• Strong interpersonal skills.
• Strong verbal and written communications skills.
• Able to handle confidential information.

Physical Demands

This position is an office-based position in terms of physical demand. Employees are expected to be able to operate their fingers and hands to perform functions such as typing, writing, and filing. Employees must also be able to move throughout the office with ease while also being able to sit for extended periods of time. Employees must be able to see and hear in an office setting that does include much noise going on around one’s workspace. While this job is mainly clerical, there are instances in which employees must be able to transport up to 20 pounds.

Work Environment

This job operates in a bank branch office. It is a professional environment.

Note

The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties (both related and unrelated to the above) may be assigned and are therefore required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

It is the policy of North Easton Savings Bank to comply with all federal and state laws including, but not limited to, the requirements of 41 CFR 60-1.4(a), 60-300.5(a) and 60-741.5(a). These regulations prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on their race, color, religion, sex, or national origin.