Careers

We are seeking a highly motivated Teller to join our team. This person will be responsible for performing banking activities within established Bank policies and procedures.

Position Summary

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

• Daily balancing/settlement of cash drawer.
• Answers telephones.
• Initiates and refers internal/external sales and referral opportunities.
• 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 experience.
• Strong communication, interpersonal and sales skills.
• Minimum of (1) one to (2) two years’ teller experience.

Position Summary
Assists the BSA Officer in maintaining compliance with all applicable banking laws, regulations, and rulings, as well as bank policies and procedures, as it relates to BSA, AML, OFAC. Member of the Risk Department supporting all areas of Risk on an as needed basis.

Essential Job Functions/Responsibilities
The essential functions include, but are not limited to the following:

• Assists with developing, implementing, and administering all aspects of the Bank Secrecy Act/AML program.
• Creates BSA monitoring daily reports.
• Reviews customer transactions to identify possible suspicious activities.
• Files Currency Transaction Reports and Suspicious Activity Reports.
• Assists with various quality control reviews and monitoring in the following areas using industry standard and regulatory guidance sampling methods to ensure the bank’s compliance efforts are maintained on a daily basis for BSA, USA Patriot Act, OFAC, and Customer Identification Program.
• Assists with outside auditor and/or examiners in the performance of examinations and special projects as needed.
• Attends training necessary to become a subject matter expert and to stay up to date with current BSA regulations and changes that are made to the regulations.
• Responsible for making suggestions to improve branch/departmental operations and overall bank as it relates to BSA.
• Complies with all applicable Federal and State regulations and guidance associated with the BSA responsibilities.
• Provides guidance to staff in order complete suspicious investigations.
• Performs other duties and assignments within the bank as needed upon request.
• Receives and provides to staff periodic cross training.

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

• 2-5 years banking and administrative experience required.
• Knowledge of BSA, AML, OFAC and Patriots Act.
• Knowledge of the core processing system and reports.
• Knowledge of Microsoft Office products.
• Knowledge of Verafin BSA/AML Software.

Education Requirements
High school diploma (or equivalent).

Position Summary
Performs activities of the Commercial Department within established Bank policies and procedures.

Essential Job Functions/Responsibilities
The essential functions include, but are not limited to the following:

• Reviews complex new loan packages for accurate documentation and ensures timely funding.
• Sets-up new loans in core system to conform to specific loan requirements.
• Supports the Loan Servicing group, as needed.
• Maintains thorough knowledge and understanding of Bank policies, procedures, guidelines, and philosophies.
• Prepares, reviews, and assembles new, renewed, and modified loan documents for commercial and business loan products, including secured and unsecured loans, commitments, lines of credit, letters of credit, interim construction, participations/syndications, etc.
• Reviews attorney prepared documents prior to booking and funding to ensure loan stipulations on Loan Approval and Credit Memorandum are met.
• Works with loan officers, borrowers, attorneys, and/or title companies in closing and funding of loans.
• Reviews title policies to ensure accurate legal description, loan amount, and acceptable exceptions; prepares loan closing instructions for title company.
• Determines proper loan system coding (e.g. product type, collateral codes, call codes, etc.) and books loans on the host loan system.
• Performs daily loan file maintenance on the host system.
• Funds loans accurately and ensures financial transactions balance each day.
• Enters loan exceptions and covenants into the exception tracking system.
• Performs loan servicing, including payments, advances, rate changes, quoting payoffs, and preparing applicable notifications to internal and external customers.
• Provides top quality service to lenders and lending staff, while meeting service level agreements for documentation processing.
• Provides documentation expertise to the team, interpreting complex loan documents and preparing the most complicated documents.
• Handles escalated situations and provides problem resolution.
• Works routinely with senior lenders and senior management.
• Escrow analysis and other associated activities.

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

• High school diploma or equivalent.
• Associate degree preferred.
• Minimum (5) five years of work experience.
• Proficient in multi-tasking in a team-oriented environment focused on the highest level of customer service.
• Excellent client service and communications skills, both written and oral.
• Proficient: MS Office products.
• Strong knowledge of core operating systems.

Multiple opportunities available!

Position Summary

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

• Daily balancing/settlement of cash drawer.
• Answers telephones.
• Initiates and refers internal/external sales and referral opportunities.
• Attends scheduled meetings.
• Participates in Saturday rotation.
• Other duties assigned or required.

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

• High school diploma or equivalent.
• Previous cash handling experience preferred.
• Strong communication, interpersonal and sales skills.

Position Summary
The Information Security Officer is responsible for safeguarding information by seeing that security risks are identified, assessed, and accurately reported. The ISO is charged with ensuring procedures and activities comply with internal policies and regulatory requirements, guidelines, and standards. Working with Information Technology and other business units to ensure the bank meets information security regulatory standards and guidance by providing an advisory services role and acting as the focal point for security compliance related activities and responsibilities.

Essential Job Functions/Responsibilities
The essential functions include, but are not limited to the following:

• Creates information security strategies, both short-term and long-range, to protect all information assets and mitigate risks in support of the organization’s strategic goals.
• Directs an ongoing, proactive risk assessment program for all new and existing systems and remains familiar with business processes so effective controls can be put in place for areas presenting information security risk.
• Responsible for the development, implementation, and maintenance of the organization's information security and cybersecurity programs, policies and procedures.
• Provide strategic and tactical security guidance for proposed projects, including evaluation and recommendation of technical controls.
• Oversee incident response planning as well as the investigation of security breaches and assist with disciplinary and legal matters associated with such breaches, as necessary.
• Deliver services that meet regulatory specifications. Work with internal and external auditors to document and confirm that all security administrative duties are properly performed as well as demonstrate overall compliance.
• Develops information security awareness training programs, and works with BPHC departments, bureaus and programs to present them to staff as appropriate.
• Maintain awareness of and ensure Bank compliance with the regulatory environment, including monitoring new developments in Federal and State regulations applying to data privacy, the protection of consumer information and cybersecurity.

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.

• Minimum 8 years of experience working with IT operations, information security, or IT/regulatory risk management preferably in a bank setting.
• Certifications within information and cyber security such as CISSP, CISM, CISA, CCNE, SANS, GIAC, etc. are a plus.
• Demonstrated understanding of the regulatory and audit requirements with respect to information security and privacy issues.
• Demonstrated knowledge of networks technologies (protocols, design concepts, access control), design, engineering, and security.
• Demonstrated knowledge of security technologies (encryption, data protection, design and privilege access).
• Knowledge of modern network switching and access control technologies including traditional and next generation firewalls, IDS, wireless networking, and techniques for managing and hardening these devices.
• Must have exceptional interpersonal, analytical, and problem-solving skills.
• Must possess strong project management and leadership aptitude; demonstrated professionalism in managing multiple projects and resources effectively.
• Should have experience with business continuity planning, auditing, and risk management, as well as contract and vendor negotiation.
• Effective communication skills, both verbal and written.

EDUCATION and/or EXPERIENCE

A Bachelor’s degree required, preferably in an IT related field such as computer science/information technology or networking.

The Vice President, Loan Servicing is responsible for working with the servicing employees and directing the default servicing functions for the commercial, consumer and residential servicing portfolio including loans serviced for investors. Responsibility of loan default functions are as follows but not limited to, collections, loss mitigation, foreclosure, property preservation, bankruptcy, and claims.

Essential Job Functions/Responsibilities

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

• Sets the strategic goals for the loan servicing department. Effectively communicates and provides feedback and guidance to the loan servicing team as it relates to the progress and results related to these goals.
• Create and maintain all Loan Servicing written policies, procedures, checklists, and job aids.
• Successfully direct all default related servicing activities in line with stated business objectives and in compliance with regulatory guidelines.
• Leads the evaluation, testing and/or modifying of current or new procedures, according to user requirements that conform to regulatory guidelines.
• Manage 3rd party relationships. Continually assess service levels and ensure systems are being used in the most effective way for our members and internal staff.
• Develop and maintain strong working relationships with investors/agencies. Ensure accurate and timely reporting and remittance. Review monthly loan servicing results and implement needed changes to ensure processes meet investor and company requirements.
• Stay abreast of latest regulatory and economic trends relevant to Loan Servicing by reading professional and other appropriate publications. Utilize company resources and other support organizations. Implement process and system changes accordingly.
• Provide staff development on products/services, regulatory compliance, policies/procedures as well as service excellence techniques. Monitor productivity, accuracy, and overall job performance for staffing efficiencies. Obtains regular feedback on service experiences from members and internal staff.
• Partner cross-functionally with other departments including but not limited to Accounting/Finance, Collections, Lending, Branches, Member Service/Support to provide support and a consistent member experience.
• Ensure compliance and clear understanding of compliance regulations, investor requirements, company policy and procedure requirements. Partner with Compliance and Audit to provide loan files and documentation as requested.
• Oversee the preparation for Federal and State examinations, internal audits and independent third-party audits of consumer, mortgage investor and portfolio loans.
• Manage varying levels of staff through the development of skills, performance management and coaching.

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

• Bachelor’s degree in a relevant field
• Requires a minimum of 10 years of experience in loan servicing with a demonstrably thorough understanding of single-family mortgage default servicing.
• 5+ years of experience managing loan servicing teams including in the development of skills, performance management and coaching.
• Prior success in the day-to-day operations management and compliance for loan servicing, including strong knowledge of investor servicing guidelines for Freddie Mac, Fannie Mae, and FHLB.
• Experience leading process improvement efforts resulting in efficiencies and productivity gains.
• Proven ability to independently organize work, balance multiple priorities and manage a variety of projects in a high-volume work environment with strong attention to detail.
• Excellent verbal and written communication skills, problem solving skills, and organizational skills.
• Ability to use independent judgment and discretion in various situations while maintaining a high degree of confidentiality.
• Must develop a thorough understanding of company policies and procedures as they relate to this position.
• Must comply with all company policies and procedures and all job-related state and federal laws and regulations.
• Prior experience with COCC systems.

Education Requirements

Bachelor's degree (B. A.) from an accredited college or university in a relevant field.

Physical Demands

Must be able to lift 25 pounds.

Work Environment

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