The Application Security Engineer plays a critical role in ensuring the security and integrity of the Bank's applications and systems. This role is responsible for validating that applications and systems are designed and implemented according to the Bank's Policies, Standards, and Guidelines. This role also assesses the security of the underlying components of the application or system such as middle-tier systems and databases. Additionally, this role implements and governs repeatable secure development practices to reduce secure coding errors, design flaws, and other vulnerabilities. As issues are uncovered, the application security engineer communicates with the appropriate technical and business teams to ensure proper risk identification, mitigation, and/or acceptance.   Principal Duties & Responsibilities: - The primary duty of the Application Security Engineer involves performing work directly related to the general business operations of the bank. - The Application Security Engineer regularly exercises discretion and independent judgment in matters of significance, such as: - Lead the automation, development, and execution of DevSecOps best practices, integrating security throughout the software development lifecycle (SDLC). - Support the application vulnerability management lifecycle by implementing and managing static and dynamic application security testing tools. - Validate that applications and systems are designed and implemented with the Bank’s security standards by conducting security assessments and audits. - Analyze the security of applications and their underlying services, including dependencies such as middle-tier systems and databases, to identify vulnerabilities and weaknesses. - Implement repeatable secure development practices to minimize the introduction of design flaws and vulnerabilities into applications. - Collaborate with cross-functional teams to prioritize and mitigate security risks, ensuring business continuity without neglecting security. - Provide guidance and recommendations to development teams on security best practices. - Stay informed about the latest security threats and recommending security enhancements. - Performs other duties as assigned.

The Asset Based Lending Analyst is responsible for independently ensuring the integrity of collateral and loan information for an assigned portfolio of Asset Based Commercial and Business Banking Loan clients. Responsibilities include review, analysis and reconciliation of Borrowing Base Certificate (BBC) and supporting documentation; processing of advances if necessary, collateral updates; escalation of reporting exceptions; periodic work-up of ineligible collateral; interface with the borrower and internal operational units and credit and relationship management; review of field examinations and follow-up on recommendations with RM's/PM's; and compliance with stated policies and procedures.   Principal Duties & Responsibilities: - Reviews and analyzes BBC and supporting documentation for accuracy and completeness; updates collateral information on collateral monitoring system and CNB Loan system; reconciles collateral, loan and unapplied cash and excess availability between the collateral monitoring system, CNB Loan system and BBC; independently identifies and resolves outstanding items. - Monitors daily borrowing availability and processes advance requests of clients, if needed; ensures all appropriate authorizations/approvals are obtained in accordance with policies and controls. - Analyzes accounts receivable and inventory reports of clients and calculates/verifies ineligible collateral; reviews and incorporates audit findings relevant to the assigned portfolio. - Independently monitors, analysis and concludes ongoing portfolio risk exposure by identifying in own judgment and escalating suspicious/inconsistent activities, reporting exceptions, material variance, overdraft, over-formula issues and other matters of importance to the Bank. - Serves as backup for other collateral Analysts; maintains up-to-date and well organized documentation and files. - Develops and maintains solid working relationship with clients. Portfolio Managers and Relationship Managers and provides exceptional customer service; ensures operational excellence by maintaining accuracy, internal control, compliance, communication and teamwork. - Keeps knowledge current on operational procedures, systems and controls. - Complies with all applicable federal and state laws and regulations.

Responsible for the resolution of problem loans, management of litigation relating to collection matters, and management and disposition of OREO portfolio in order to minimize losses.   Principal Duties & Responsibilites: - Analyzes loans and determines the most effective method for maximizing financial recovery. - Collect, prepare, and analyze business and personal financial statements to administer a turnaround solution or exit strategy of complex credit relationships. - Assess the credit quality of a relationship to determine the overall performance and associated risk and make recommendations for grading, accrual status, or loss recognition. - Negotiates with debtors or their representative and other creditors to secure appropriate workout arrangements. - Establishes and implements repayment plans, monitors compliance with the plan. - Negotiates settlements. - Inspects, evaluates, protects and disposes of collateral. - Pursues post judgment collection. - Provides advice and assistance to lending personnel regarding expedient identification and evaluation of deteriorating loan situations in order to recognize problem loans early and minimize losses. - Assigns matters to legal counsel providing supporting documentation and information. - Responds to and signs off on requests for production, interrogatories and affidavits. - Attends hearings, depositions, trials and foreclosures sales. - Monitors litigation and reviews/approves legal bills. - Recommends loans for charge-off or non-accrual. - Directs loan operations on processing payments. - Prepares and disseminates information on the status of matters being handled. - Communicates regularly with senior management. - Coordinate with legal, audit, and credit/loan policy departments, as necessary, to ensure compliance of negotiated workout agreements. - Prepare and present loan portfolio status updates and reports as required. - May act as a team lead and mentor. May orient, train or review the work of lower level workout specialists. - Performs other related duties as required.

Takes an active role in meeting the needs and expectations of clients by servicing, promoting and selling the Bank's products and services. Increasing deposits and fee income, reducing expenses, maintaining and expanding superior client relations, and consistently meeting or exceeding assigned individual or team sales goals.   Principal Duties & Responsibilities: - Consistently meets and/or exceed assigned individual and team sales goals. - Increases Bank relationships through cross-selling, marketing materials, promotions, telemarketing, developing client relations and providing prompt client service. - Develops and maintains a prospect list of potential clients. Participates in networking, outside sales efforts and cold calling as appropriate. - Opens and processes all types of accounts, products and/or services for clients after consulting with them on their specific needs. - Handles general client inquiries. Reconciles client statements, confers with operations personnel regarding discrepancies in balances and other problems and works toward the proper maintenance of the account files. - Services all client account needs, including teller work as needed: accepts deposits, cashes checks within limits as specified by bank policy, processes withdrawals, sell travelers checks, and cashier checks. Accepts loan payments, etc. - Facilitates transactions. Responds quickly and effectively to client questions. - Provides access to safe deposit boxes after verifying the client’s identity and right to access. - Completes necessary documents for clients to rent, transfer or surrender a safe deposit box. - Receives and records payments for safe deposit box rent. - Follows up on past due safe deposit box rent. - Witnesses the drilling of safe deposit boxes due to lost keys or abandoned property. - Prepares abandoned property for escheatment. - Works to achieve the Bank’s team goals or individual goals including, but not limited to, deposits, loans, cross-selling and referrals to other units of the bank such as Investments, Lending, Treasury Services, etc. - Performs all paying, receiving and collection functions within the banking center with a high degree of accuracy. - Adheres to cash handling, operational, security, BSA/AML and all other policies and procedures. - Increases Bank relationships through cross-selling, marketing materials, promotions, telemarketing, developing client relations and providing prompt client service. - Completes all necessary G/L tickets and balances accurately. - Able to handle vault duties and ATM reconciliations - May perform more complex service and branch functions such inputting and verify outgoing domestic/international wires according to the Board approved authorization limits and in accordance with banking policy and procedures - Assists as needed with Branch BSA operations and processes wire transfers. - Performs routine service requests and administrative bank functions. Prepares all necessary reports in a timely basis. - Must be able to travel to various Bank locations with little or no notice.

Takes an active role in meeting the needs and expectations of clients by servicing, promoting and selling the Bank's products and services. Increasing deposits and fee income, reducing expenses, maintaining and expanding superior client relations, and consistently meeting or exceeding assigned individual or team sales goals.   Principal Duties & Responsibilities: - Consistently meets and/or exceed assigned individual and team sales goals. - Increases Bank relationships through cross-selling, marketing materials, promotions, telemarketing, developing client relations and providing prompt client service. - Develops and maintains a prospect list of potential clients. Participates in networking, outside sales efforts and cold calling as appropriate. - Opens and processes all types of accounts, products and/or services for clients after consulting with them on their specific needs. - Handles general client inquiries. Reconciles client statements, confers with operations personnel regarding discrepancies in balances and other problems and works toward the proper maintenance of the account files. - Services all client account needs, including teller work as needed: accepts deposits, cashes checks within limits as specified by bank policy, processes withdrawals, sell travelers checks, and cashier checks. Accepts loan payments, etc. - Facilitates transactions. Responds quickly and effectively to client questions. - Provides access to safe deposit boxes after verifying the client’s identity and right to access. • Completes necessary documents for clients to rent, transfer or surrender a safe deposit box. • Receives and records payments for safe deposit box rent. • Follows up on past due safe deposit box rent. • Witnesses the drilling of safe deposit boxes due to lost keys or abandoned property. • Prepares abandoned property for escheatment. • Works to achieve the Bank’s team goals or individual goals including, but not limited to, deposits, loans, cross-selling and referrals to other units of the bank such as Investments, Lending, Treasury Services, etc. • Performs all paying, receiving and collection functions within the banking center with a high degree of accuracy. • Adheres to cash handling, operational, security, BSA/AML and all other policies and procedures. • Increases Bank relationships through cross-selling, marketing materials, promotions, telemarketing, developing client relations and providing prompt client service. • In conjunction with Lending staff or within own scope of authority, interviews prospective loan applicants. Collects all pertinent client supplied documents to support the credit decision process. Assists the underwriting officer or Bank Manager in obtaining complete information on the loan request and communicates with client as needed. Based on the type of loan, may close the loan ensuring compliance with all credit regulations. • Ensures compliance with the Bank’s operational and security policies and procedures so as to ensure that maximum accounting integrity and security prevails at all times. • Completes all necessary G/L tickets and balances accurately. • Able to handle vault duties and ATM reconciliations • May perform more complex service and branch functions such inputting and verify outgoing domestic/international wires according to the Board approved authorization limits and in accordance with banking policy and procedures • Assists as needed with Branch BSA operations and processes wire transfers. • Performs routine service requests and administrative bank functions. Prepares all necessary reports in a timely basis. • Must be able to travel to various Bank locations with little or no notice. • Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

The BSA Investigator Senior is responsible for fulfilling the Anti-Money Laundering/Bank Secrecy Act requirements through identification and investigation of suspicious activity, including but not limited to OFAC laws and the Bank's internal policies and procedures. In addition, a demonstration of extensive banking and compliance knowledge in working with AML/BSA/OFAC related issues, as well as adhere to confidentiality in handling information received in the course of responsibilities.   Principal Duties & Responsibilities:  - Analyzes customer activity and background information in order to detect suspicious activity and make decisions on appropriate action to take for potential red flags, money laundering risks, financial crimes, and terrorist financing. Reviews types may include subpoena analysis, 314(a) and 314(b) reviews, unusual referrals, lending referrals, escalated monitoring alerts and employee reviews which are essential to the sound business operations of the bank. - Ensures timely and effective transaction analysis in order to identify potential unusual activity. Failure to comply can expose the Bank to regulatory fines and criticism. - Properly complete a Suspicious Activity Report for Management review and agreement. Compile a client and transactional analysis with well-supported outcome. - Takes ownership for identifying and mitigating risk within assigned areas of responsibility and for supporting risk mitigation across the business. - Provides assistance in identifying systematic procedural weaknesses and additional training requirements for the Bank. - Formulates 314b communication to exchange information with other financial institutions. - Recommends relationship retention or closure. - Conducts Enhanced Due Diligence on clients through in-depth on-line research. - Conducts research utilizing the various Bank repositories, as well as the Internet and Public Databases. - Meets assigned regulatory/departmental deadlines. Performs audit preparations. - Prepares SAR backup documentation for any law enforcement requests as well as communication with law enforcement agencies as necessary for casework. - Communicates with all areas of the bank including keeping the FIU Manager and BSA/AML Officer informed of high profile cases. - Stays up-to-date on money laundering and terrorist financing trends and typologies to support findings. - Timely execution of instructions received from BSA/AML Officer, FIU Manager, and/or Team Lead. - Performs other special projects or assignments, as requested. - Supports other analyst positions during vacations and sick times.

The Business Market Leader coordinates at a senior level with the sales team to establish, build, and sustain business banking relationships with companies with gross sales of generally less than $20mm. Responsible for the overall success and growth for assigned sales territory. Represents the Bank as the primary relationship manager with clients in the book of business. Involve in the credit process including Credit Underwriting, Portfolio Management and Review, Risk/Credit grading and risk identification and management. Portfolio management will include servicing, covenant compliance, collateral monitoring. Sets high expectations, creates workforce stability by attracting, developing and retaining great talent and supports the team in achieving goals through coaching and modeling the behaviors and core values of the Bank. Actively involved in the banking center location community and contributes in fulfilling the Bank’s CRA requirements.   Principal Duties and Responsibilities: - Meets and exceeds Banking Center set production goals. - Independently expands existing relationships and solicits new business through client referrals and outside of the banking center cold calling efforts to meet or exceed the Bank’s strategic goals. - Provides leadership to a team of sales professionals and ensures that established sales and revenue goals are met or exceeded. - Works closely with the team to generate, identify, qualify, and prioritize new prospects as well as existing book of business. Touches base with the top 20 loans and deposits clients on a monthly basis via phone or in person. Identifies obvious cross-sell opportunities such as clients who have only a loan or a deposit relationship with the Bank. Works with team to research existing book of clients through a variety of websites to uncover additional data to cross sell. - Understands and focuses on core increasing deposits as a priority and active contributor to the loan funding. - Generates proposals and develops sales strategies at an expert level. - Knows the market, the competition and has an informed, strategic view for the business. - Maintains expert level knowledge of all bank products and services. - Develops, expands, and maintains referral sources. - Responsible for the inspection of pre-call planning worksheets prior to joint appointments - In the event of a new credit, loan renewal or annual servicing, the Relationship Manager is responsible for the timely collection and analysis of the required updated financial information pertaining to the Borrower or Guarantor. Based on the financials, client interactions and other information, the Relationship Managers are required to determine the financial soundness of the business, based on cash flows and other information and to decide whether the Bank should pursue or continue to support that credit as applicable. - Further, the Relationship Manager is responsible for communicating all the pertinent information to the Risk partners who are responsible for making the final decision on the credit. It is responsibility of the Relationship Manager in their dealings with the client to identify and communicate to Risk partners/underwriters/portfolio managers any observed shortcomings in the financials, decreases in company revenue, ownership changes, negative trends, or other pertinent business information that the Bank will then use proactively in managing and assessing the overall credit risk. - Independently works with clients and determines and meets their financial needs by being knowledgeable of the client’s profile in order to obtain critical financial information. This involves looking at relevant financial documentation such as: Tax Returns, Credit Report, Personal Financial Statements and Debit schedules. Seeks opportunities to advise after conversing with the client. - Works with clients in analyzing problems and propose solutions. - Acts as the client’s advocate in securing suitable credit and cross selling products and services. - Evaluates business, management, industry, financial and structural risk, and documents assessment in a credit approval document. Includes collecting a full financial package, filling out a standard pre-screen memo; performs standard calculations to see if the criteria is met against policy; identifies strengths and potential risk issues and present the deals to Risk. - Organizes and leads involved sales initiatives, including generating complex, customized proposals. - Works to develop and maintain solid relationships with all partners. - Contributes to the success of the banking center by actively engaging in sales campaigns, banking center activities and community organizations. - Structures and completes secured and unsecured business loans. Collects a full financial package, fills out a standard pre-seen memo, performs standard calculation to check if the criteria are met against policy. Identifies strengths and potential risk issues and present the deals to Risk. - Participates in all required Branch Meetings held twice per week, as well as the weekly joint calls or prospecting sessions with your Small Business Banker followed by a coaching session. (Required coaching form that needs to be filled out when feedback is given).

The Business Market Leader coordinates at a senior level with the sales team to establish, build, and sustain business banking relationships with companies with gross sales of generally less than $20mm. Responsible for the overall success and growth for assigned sales territory. Represents the Bank as the primary relationship manager with clients in the book of business. Involve in the credit process including Credit Underwriting, Portfolio Management and Review, Risk/Credit grading and risk identification and management. Portfolio management will include servicing, covenant compliance, collateral monitoring. Sets high expectations, creates workforce stability by attracting, developing and retaining great talent and supports the team in achieving goals through coaching and modeling the behaviors and core values of the Bank. Actively involved in the banking center location community and contributes in fulfilling the Bank's CRA requirements.   Principal Duties & Responsibilities: - Meets and exceeds Banking Center set production goals. - Independently expands existing relationships and solicits new business through client referrals and outside of the banking center cold calling efforts to meet or exceed the Bank’s strategic goals. - Provides leadership to a team of sales professionals and ensures that established sales and revenue goals are met or exceeded. - Works closely with the team to generate, identify, qualify, and prioritize new prospects as well as existing book of business. Touches base with the top 20 loans and deposits clients on a monthly basis via phone or in person. Identifies obvious cross-sell opportunities such as clients who have only a loan or a deposit relationship with the Bank. Works with team to research existing book of clients through a variety of websites to uncover additional data to cross sell. - Understands and focuses on core increasing deposits as a priority and active contributor to the loan funding. - Generates proposals and develops sales strategies at an expert level. - Knows the market, the competition and has an informed, strategic view for the business. - Maintains expert level knowledge of all bank products and services. - Develops, expands, and maintains referral sources. - Responsible for the inspection of pre-call planning worksheets prior to joint appointments. - Independently works with clients and determines and meets their financial needs by being knowledgeable of the client’s profile in order to obtain critical financial information. This involves looking at relevant financial documentation such as: Tax Returns, Credit Report, Personal Financial Statements and Debit schedules. Seeks opportunities to advise after conversing with the client. - Documents relationship process. - Works with clients in analyzing problems and propose solutions. - Acts as the client’s advocate in securing suitable credit and cross selling products and services. - Evaluates business, management, industry, financial and structural risk, and documents assessment in a credit approval document. Includes collecting a full financial package, filling out a standard pre-screen memo; performs standard calculations to see if the criteria is met against policy; identifies strengths and potential risk issues and present the deals to Risk. - Organizes and leads involved sales initiatives, including generating complex, customized proposals. - Works to develop and maintain solid relationships with all partners. - Contributes to the success of the banking center by actively engaging in sales campaigns, banking center activities and community organizations. - Structures and completes secured and unsecured business loans. Collects a full financial package, fills out a standard pre-seen memo, performs standard calculation to check if the criteria are met against policy. - Identifies strengths and potential risk issues and present the deals to Risk. - Participates in all required Branch Meetings held twice per week, as well as the weekly joint calls or prospecting sessions with your Small Business Banker followed by a coaching session. (Required coaching form that needs to be filled out when feedback is given). - Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

The Business Market Leader coordinates at a senior level with the sales team to establish, build, and sustain business banking relationships with companies with gross sales of generally less than $20mm. Responsible for the overall success and growth for assigned sales territory. Represents the Bank as the primary relationship manager with clients in the book of business. Involve in the credit process including Credit Underwriting, Portfolio Management and Review, Risk/Credit grading and risk identification and management. Portfolio management will include servicing, covenant compliance, collateral monitoring. Sets high expectations, creates workforce stability by attracting, developing and retaining great talent and supports the team in achieving goals through coaching and modeling the behaviors and core values of the Bank. Actively involved in the banking center location community and contributes in fulfilling the Bank's CRA requirements.   Principal Duties & Responsibilities: - Meets and exceeds Banking Center set production goals. - Independently expands existing relationships and solicits new business through client referrals and outside of the banking center cold calling efforts to meet or exceed the Bank’s strategic goals. - Provides leadership to a team of sales professionals and ensures that established sales and revenue goals are met or exceeded. - Works closely with the team to generate, identify, qualify, and prioritize new prospects as well as existing book of business. Touches base with the top 20 loans and deposits clients on a monthly basis via phone or in person. Identifies obvious cross-sell opportunities such as clients who have only a loan or a deposit relationship with the Bank. Works with team to research existing book of clients through a variety of websites to uncover additional data to cross sell. - Understands and focuses on core increasing deposits as a priority and active contributor to the loan funding. - Generates proposals and develops sales strategies at an expert level. - Knows the market, the competition and has an informed, strategic view for the business. - Maintains expert level knowledge of all bank products and services. - Develops, expands, and maintains referral sources. - Responsible for the inspection of pre-call planning worksheets prior to joint appointments. - Independently works with clients and determines and meets their financial needs by being knowledgeable of the client’s profile in order to obtain critical financial information. This involves looking at relevant financial documentation such as: Tax Returns, Credit Report, Personal Financial Statements and Debit schedules. Seeks opportunities to advise after conversing with the client. - Documents relationship process. - Works with clients in analyzing problems and propose solutions. - Acts as the client’s advocate in securing suitable credit and cross selling products and services. - Evaluates business, management, industry, financial and structural risk, and documents assessment in a credit approval document. Includes collecting a full financial package, filling out a standard pre-screen memo; performs standard calculations to see if the criteria is met against policy; identifies strengths and potential risk issues and present the deals to Risk. - Organizes and leads involved sales initiatives, including generating complex, customized proposals. - Works to develop and maintain solid relationships with all partners. - Contributes to the success of the banking center by actively engaging in sales campaigns, banking center activities and community organizations. - Structures and completes secured and unsecured business loans. Collects a full financial package, fills out a standard pre-seen memo, performs standard calculation to check if the criteria are met against policy. - Identifies strengths and potential risk issues and present the deals to Risk. - Participates in all required Branch Meetings held twice per week, as well as the weekly joint calls or prospecting sessions with your Small Business Banker followed by a coaching session. (Required coaching form that needs to be filled out when feedback is given). - Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

CNB Support department comprises of 4 operating units – Call Center, Banking Center Support/5410, Transaction Support and Total Direct Bank Support. Each unit has defined operational responsibilities and functions that are performed within the guidelines of the bank's Policy and Procedures. The CNB Support Specialist is responsible for providing exceptional service and support to both Internal and External clients during inbound and outbound calls relative to operational, procedural and application related tasks. This position requires the exercise of discretion and independent judgment, within the scope of the individual's authority, with respect to matters of significance to the Bank. In addition, the role requires that employee cross train across the operating units.   Principal Duties & Responsibilities: - Responsible for answering incoming calls & making outbound calls while taking appropriate action on each call. - Provides optimum client service, support and satisfaction via telephone, email or in-person. - Provides accurate responses to clients by adhering to Policy and Procedures and regulatory requirements. - Provides the maximum level of quality and timeliness of work to achieve Service Levels. - Identifies incoming calls for trends, or of a suspicious nature and notifies management and/or Fraud Investigations Unit. - Serves as branch banking automation expert. - Handle 2nd level inquiries or issues for digital banking applications or overall bank products & services. - Reviews requests received from CSAs or other LOBs, such as Wires, Internal Transfers, Stop Pays, Check Orders etc. and ensures accuracy before processing or reassigning the ticket to Wire Verification. - Minimize the error ratio. - Provide approval for TMS Internal Transfers. - Identifies the difference between user error or true technical issues including outages. - Escalates to management, system administrator or Technical Services so the appropriate steps are taken to resolve. - Ensures compliance with the Bank’s operational, regulatory, and security policies and procedures - Effectively communicates with other departments, fully understanding the importance of teamwork. - Adheres to department’s guidelines including work schedule. Reports any discrepancies to Supervisor in a timely manner. - Makes recommendations to Policy & Procedure Specialist for updates/revisions. - Provides P&P guidance on trusts, guardianships, estates, court orders, and power of attorney. - Escalates inquiries outside of P&P scope to management or legal when necessary. - Serves as liaison between the branches and legal counsel.Opens tickets with CIS for all account changes (such as change of address, setting up external transfers, general maintenance). - Actively participates in the On-Boarding of new clients by opening accounts for TotalDirectBank (TDB) clients. - Serves as the client’s primary service & support contact. Maintain thorough knowledge of TotalDirectBank (TDB) products and services. - Ensures all applications are thoroughly reviewed, new accounts opened and funded within the SLA outlined by department. Proactively contacts client to resolve issues with application, including Requests for Information (RFI’s) for BSA. - Responsible for closing TDB accounts upon written request from client within the bank’s policy and procedures - Coordinates with AML/BSA team for application approval prior to account opening for TDB accounts. - Provides feedback to Management including Digital Channels on matter related to TDB website, issues with vendors (Plaid or Prelim) or general feedback from clients Online Banking issues etc. - Works with Reconciliation team to ensure TDB general ledgers for Certificate of Deposit & Money Market accounts are cleared once entries are processed to open new accounts or close accounts. - Performs special tasks/projects as requested. - Remains current and adheres to all bank and department policies and procedures.

Coordinates at a senior level with the sales team to establish, build and sustain Commercial Banking relationships with companies with gross sales of generally less than $25mm. Responsible for the overall success and growth for assigned sales territory. Represents the bank as the primary relationship manager with clients in the book of business. Involved in the credit process including Credit Underwriting, Portfolio Management and Review, Risk/Credit Grading and Risk identification and management. Portfolio management will include servicing, covenant compliance, collateral monitoring.   Principal Duties & Responsibilites: - Meets or exceeds individual sales and retention goals adhering to corporate, legal, and regulatory policies, guidelines, and requirements regarding compliance. - Independently expands existing relationships and solicits new business through client referrals and cold calling efforts to meet or exceed the Bank’s strategic goals. - Generates proposal and develops sales strategies at an expert level. - Develops, expands, and maintains referral sources. - Documents relationship process. - Works with clients in analyzing problems and propose solutions. - Acts as the client’s advocate in securing suitable credit and cross selling products and services. - Structures and completes secured and unsecured business loans. - Evaluates business, management, industry, financial and structural risk, and documents assessment in a credit approval document. - Organizes and leads involved sales initiatives, including generating complex, customized proposals. - Works to develop and maintain solid relationships with all partners. - Maintains expert level knowledge of all bank products and services. - Participates in special projects as needed. - Must be willing to participate in community organizations and activities. - Meets the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status.

Responsible for maintaining, coordinating and administering the Compliance Risk Management Program to include the tracking and analysis of CRA loans, Fair Lending Risk Assessment and Compliance Monitoring Program to ensure that the Bank complies with all applicable laws and regulations. Evaluates the adequacy of policies and procedures for safeguarding assets and prevention and detection of loss.   Principal Duties & Responsibilities: - Creates and administers a comprehensive Consumer Compliance Monitoring Program for the Bank by establishing a risk appropriate monitoring schedule with set timelines following the Bank’s Compliance Management System and utilizing the Bank’s GRC tool - Manages the Compliance Monitoring Analysts by ensuring set performance goals are adequate and are being accomplished by conducting quality control and ensuring proper root cause analysis and corrective action plans are implemented - Independently conducts the Bank’s annual risk assessments for all deposit and lending compliance regulations to identify regulatory risk levels. - Creates routine reports to the Board of Directors, Management Enterprise Risk Committee and Board Enterprise Risk Committee on results of compliance reviews conducted, related corrective action plans, regulatory issues as well as the adoption of new regulations/policies. - Independently performs regulatory compliance reviews of all identified regulatory risk levels in accordance with the Bank’s Compliance Risk Management Program. This includes planning the review, assessing risk, testing, identifying root cause, performing field work in accordance with regulatory guidance, evaluating internal controls for adequacy, and preparing related working papers to document work performed and substantiates conclusions reached. - Consults with management on regulatory issues relating to new product development/services/software for compliance risk applicability/exposure, within affected areas. - Reviews and interprets new and pending laws and regulations that potentially affect the organization’s business practices. Implements new processes and procedures needed to comply with new requirements, including disclosure/forms/notices affecting the Compliance Risk Management Program. - Reviews all marketing material for regulatory compliance working with the Bank’s Marketing Department to provide regulatory guidance - As identified during compliance reviews, provide training to Bank personnel in any areas of compliance in need of reinforcement. - Participates in Bank examinations and internal/external audits and ensure all required documents are provided and questions are answered. - Becomes familiar with all banking areas and develop specialization in certain compliance areas thus requiring in depth knowledge and training in the function, such as regulatory lending, deposits or operation activities. Responds to regulatory questions.

The Conforming Mortgage Banker (CMB) is responsible for conforming mortgage loan production throughout the assigned market. Primary concentration and source of business is secondary conforming self-sourced mortgage business. Acts as an advisor to potential and existing mortgage customers. Maximize production with referrals from local builders, real estate agents, contractors, affinity partners and past clients. Ensure an exceptional customer experience is maintained with all potential and existing customers. Ensure all aspects of conforming mortgage applications are in compliance with all applicable state and Federal laws, regulations and bank policies and procedures.   Principal Duties & Responsibilities: - Consistently meets or exceeds monthly production goals. - Increase conforming loan applications through marketing and generating referrals from centers of influence, previous customers and client referrals. - Introduce their self-sourced customers to other lines of business within the bank. - Develop business outside of retail branch network through real estate agents, homebuilders, relocation services, cold calling, etc.  - Meet the requirements of the S.A.F.E. Act and expected to follow procedures including notifying Human Resources of any changes in current status. 

Acts as the primary advisor for a portfolio of Corporate Banking clients. Develops new business relationships and maintains important revenue-generating client relationships through new business development, relationship and portfolio management activities. Assesses the risks and impact from both the client’s and bank’s perspective, identifies opportunities to cross-sell related banking products and services and leads the development of an overall client relationship strategy.   Principal Duties & Responsibilities: - Achieves and exceeds set production goals and qualitative performance benchmarks. - Directs and manages the sales and service of financial services to Corporate Banking target market clients and prospects in accordance with loan quality guidelines, approval standards and production goals. - Requires significant marketing presentation, sales and relationship building skills. Expands existing client relationships and actively seeks new clients via targeted prospecting. - Responsible for meeting the broad needs of assigned clients by coordinating with assigned Risk Officers, Treasury Management Officers, Client Service Officers, and other Product Specialists. Partners with these specialists to meet the full range of client needs and ensures optimal response and service levels between departments. - Under the parameters of procedures and individual authority, recommends and/or makes significant decisions regarding overdrafts, wires, pricing, structuring etc., for Loans, Treasury products, client servicing and other. - If loan is an acceptable risk for the bank, negotiates the terms of the loan with the client based on the risk of the loan, current conditions in the financial markets, overall profitability of the loan and overall client relationship, and the current internal goals of the bank. - Makes decisions of significant importance related to risk associated with the loan, documentation needed from client, negotiation of terms, etc. - Independently reviews all new and renewal loan requests, coordinates and actively participates in the underwriting process together with appropriate Risk Officer, ensuring adherence to the Bank’s credit policies and criteria in loan decisions. - With independent analysis, maintains portfolio quality, monitors past due loans, minimizes the risk of loan losses and keeps exceptions to a minimum. Ensures full compliance with loan terms. Promptly identifies potential issues and alerts management of any problems in the portfolio. Submits timely and accurate reports as required.

Acts as the primary adviser for a portfolio of Corporate Banking clients. Develops new business relationships and maintains important revenue-generating client relationships through new business development, relationship and portfolio management activities. Assesses the risks and impact from both the client’s and bank’s perspective, identifies opportunities to cross-sell related banking products and services and leads the development of an overall client relationship strategy.

The Digital Channels department is composed of two operating units, Digital Payments and Digital Banking. Each operating unit has a set of responsibilities and functions as set by policies and procedures. The Digital Channels Coordinator III works independently and performs various functions across the two operating units. Principal duties & responsibilities will be set based on the primary unit assignment and department requirements. Note: responsibilities/duties will be assigned by direct supervisor and may vary as directed by department management. The Digital Channels Coordinator III adheres to department guidelines, policies, procedures and regulatory requirements while maintaining maximum level of quality, timeliness of work and providing optimum client service and satisfaction. This position requires the exercise of discretion and independent judgment, within the scope of the individual's authority, with respect to matters of significance to the Bank. In addition, the role requires that employee cross train across the operating units.   Principal Duties & Responsibilities: - Both operating units provide full client support (internal/external) for all issues/products under the responsibility of the Digital Channels department. Each unit has a set of primary duties that need to be completed within established SLA’s while adhering to policies and procedures. - Digital Payments Unit Principal Duties & Responsibilities : - Preforms wire callback verification. - Works the wire production queues to ensure exception transfers are dispositioned in a timely manner. - Works the wire internal ticketing queues. - Works the ACH internal ticketing queues. - Process ACH files (bank/client files). - Works the ACH Non-Post application. - Create/edit ACH originator profiles within the ACH application. - Performs start-of-day & end-of-day balancing with Federal Reserve, Core, & foreign exchange correspondent. - Assist department management with weekly/monthly department reports. - Digital Banking Unit Principal Duties & Responsibilities: - Works the online banking and bill pay enrollment queue. - Works the Digital Banking, ATM, MRDC, & CityTel internal ticketing queues. - Works the EFT internal ticketing queues. - Ensures compliance with Regulation E, Visa and all associated network rules, bank policy & procedures, as they apply to cardholder disputes. - Conducts dispute as defined by policy and procedure. - Oversee the network and suspense general ledger accounts - Completes EFT reports within established deadlines. - Completes Online Banking reports within established deadlines. - Reviews new business debit cards to ensure card profile was set-up correctly. If applicable, follows up with account officer on new account documentation. - Performs research and reconciliation of all closed disputes. Ensures entries to the applicable GL and write-off general account are accurate. - Reviews disputes to ensure all investigative steps are taken to minimize loss to the bank and presents all claims greater than $1000.00 or employee an employee to Enterprise Risk Management. - Completes department projects as assigned by management. - Remains current and ensures regulatory compliance. - Reviews compromise cards notifications and follows established policy and procedures. - Reports system issues to applicable vendor & escalates to management issues involving potential client impact. - Assist department management with weekly/monthly department reports. - Assist department in testing and implementation of new products, system upgrades, and enhancements. - Troubleshoots online banking, debit cards, bill pay, and MRDC, Citytel, and ATM issues. Escalates unresolved issues to management as needed. - Researches complex client/system issues and escalates to management as needed. - Troubleshoots debit card related denials having to with card rules. Exempts card rule for authenticated transactions, requested by client/account officer. - Identifies efficiencies and recommends and procedural enchantments.

The International Banker is responsible for building, managing and retaining a portfolio of international affluent individuals, and entrepreneurs. The Banker expectation is to meet and exceed goals by developing new Wealth and Depository relationships from prospects and existing clients. Through a proactive need based selling approach, the banker will cross-sells bank products, including but not limited to Treasury Management Services and consumer lending products. The Banker will collaborate with the assigned partner to establish, build, and expand Commercial Relationships for affluent individuals (non-domestic).    The International Banker is expected to deliver the highest level of client service to the client base while adhering to the Bank's BSA/AML, Compliance and Policies and Procedures, responding to all client requests on a timely basis and providing prompt and white glove service. Responsible for the development of International Private Clientele through business development, social functions, association memberships and development of relevant international COIs.   Principal Duties and Responsibilities:   - Develop new client business in target international using external knowledge of market (LATAM). - Meets or exceeds investment referral goals, deposit goal DDA and interest bearing accounts adhering to corporate, legal, and regulatory policies, guidelines, and requirements regarding compliance. - Collaborates with the team to generate, identify, qualify, and prioritize new prospects. - Independently expands existing relationships and solicits new business through client or COI referrals. - Stays abreast with the market, the competition and has an informed, strategic view for the business. - Generates proposal and develops sales strategies at an expert level. - Develops, expands, and maintains referral sources. - Documents relationship process as needed as per procedures. - Works with clients in assessing client goals, analyzing gaps or problems and propose solutions. - Acts as client’s advocate in securing suitable credit and cross selling products and services. - Evaluates business, management, industry, financial and structural risk, and documents assessment in a credit approval document. - Organizes and leads involved sales initiative, including generating complex, customized proposals. - Works to develop and maintain solid relationships with all partners. - Maintains knowledge of cross border rules, limitations and requirements. - Maintains expert level knowledge of all financial products (including Investments & Trust) and services. - Participates in special projects as needed. - Participates in community organizations and activities. - Bankers who hold a FINRA license are required to maintain their license in good standing by adhering to policies and procedures, including completion of all firm and regulatory trainings. Bankers must remain current on product knowledge and general investments. - Meets the requirements of the S.A.F.E Act and expected to follow procedures including notifying Human Resources of any changes in current status.

The International Banker is responsible for building, managing and retaining a portfolio of international affluent individuals, and entrepreneurs. The Banker expectation is to meet and exceed goals by developing new Wealth and Depository relationships from prospects and existing clients. Through a proactive need based selling approach, the banker will cross-sells bank products, including but not limited to Treasury Management Services and consumer lending products. The Banker will collaborate with the assigned partner to establish, build, and expand Commercial Relationships for affluent individuals (non-domestic).    The International Banker is expected to deliver the highest level of client service to the client base while adhering to the Bank's BSA/AML, Compliance and Policies and Procedures, responding to all client requests on a timely basis and providing prompt and white glove service. Responsible for the development of International Private Clientele through business development, social functions, association memberships and development of relevant international COIs.   Principal Duties and Responsibilities:   - Develop new client business in target international using external knowledge of market (LATAM). - Meets or exceeds investment referral goals, deposit goal DDA and interest bearing accounts adhering to corporate, legal, and regulatory policies, guidelines, and requirements regarding compliance. - Collaborates with the team to generate, identify, qualify, and prioritize new prospects. - Independently expands existing relationships and solicits new business through client or COI referrals. - Stays abreast with the market, the competition and has an informed, strategic view for the business. - Generates proposal and develops sales strategies at an expert level. - Develops, expands, and maintains referral sources. - Documents relationship process as needed as per procedures. - Works with clients in assessing client goals, analyzing gaps or problems and propose solutions. - Acts as client’s advocate in securing suitable credit and cross selling products and services. - Evaluates business, management, industry, financial and structural risk, and documents assessment in a credit approval document. - Organizes and leads involved sales initiative, including generating complex, customized proposals. - Works to develop and maintain solid relationships with all partners. - Maintains knowledge of cross border rules, limitations and requirements. - Maintains expert level knowledge of all financial products (including Investments & Trust) and services. - Participates in special projects as needed. - Participates in community organizations and activities. - Bankers who hold a FINRA license are required to maintain their license in good standing by adhering to policies and procedures, including completion of all firm and regulatory trainings. Bankers must remain current on product knowledge and general investments. - Meets the requirements of the S.A.F.E Act and expected to follow procedures including notifying Human Resources of any changes in current status.

The International Relationship Manager Sr coordinates at a senior level with the sales team to establish, build, and sustain Business Banking relationships with companies with gross sales of generally less than $10mm. Responsible for the overall success and growth for assigned sales territory. Represents the bank as the primary relationship manager with clients in the book of business. Involved in the credit process including Credit Underwriting, Portfolio Management and Review, Wisk/Credit Grading and Risk Identification and management. Portfolio management will include servicing covenant compliance, collateral monitoring.   Principal Duties & Responsibilities: - Consistently meets and exceeds individual and/or team sales goals, including but not limited to deposit, loans and other, as applicable. - Independently expands existing relationships and solicits new business through client referrals and cold calling efforts to meet or exceed the Bank’s strategic goals. - Works closely with the team to generate, identify, qualify, and prioritize new prospects. - Generates proposal and develops sales strategies at an expert level. - Develops, expands, and maintains referral sources. - Documents relationship process as needed. - Works with clients in analyzing problems and propose solutions. - Acts as client’s advocate in securing suitable credit and cross selling products and services. - Structures and completes unsecured business loans. - Evaluates business, management, industry, financial and structural risk, and documents assessment in a credit approval document. - Organizes and leads involved sales initiative, including generating complex, customized proposals. - Works to develop and maintain solid relationships with all partners. - Maintains expert level knowledge of all bank products and services. - Participates in special projects as needed. - Must be willing to participate in community organizations and activities. - Meets the requirements of the S.A.F.E Act and expected to follow procedures including notifying Human Resources of any changes in current status.  

The Loan Services Syndication Officer is responsible for coordinating and processing of large and complex syndicated loan activities, such as loan servicing processes (boarding, QC, loan transactions) for Capital Market clients. This position requires a depth knowledge of the Syndicated Loan Market, particularly the role of Administrative Agent. Ensures compliance with all applicable loan and syndicate terms, loan regulations and Bank's policies and procedures.   Principal Duties and Responsibilities: - Ensures all Syndication Lending transactions are booked timely and accurately, minimizing operational risks and losses and ensuring compliance with all loan regulations as well as bank policies and procedures. - Responsible for validating (QC) the on boarding of all Syndicated deals: Loan terms, Collateral, escrow terms, insurance monitoring, Banks/Participation terms. - Reconciles daily funding and payment activity to account for all daily cash transactions. - Calculates complex interest and fee accruals at various rate levels. - Work with the Loan Processing unit to reconcile any loan servicing concern. - Responsible for the day-to-day oversight of the loan Syndication servicing transactions, ensuring that that loans and participations are being managed in compliance with loan agreements, loan regulations as well as bank policies and procedures minimizing operational risks. - Work with the Escrow and Insurance team as well as outside Service Provider to ensure the Syndication portfolio. - Resolve complex transactions, where expertise is required to interpret loan terms, loan regulations, as well as bank policies and procedures. - Calculates complex interest and fee accruals at various levels (Base loans, Participations) - Responsible for resolving all types of research, claims, inquiries for Capital Market customers as well as for all Banks participating in the Syndicate. - Research and resolve all loan and participations related issues which may include missing payments, margin changes, unprocessed draw requests, escrow disbursements, insurance, etc. - Communicates with agents regarding issues around these specialized facilities. - Responsible for the ongoing reconcilement of each Bank’s share: principal, interest, payment bills, past dues. - Responsible for the remittance of funds to each participant (loan payments, fees, etc.). Reconciles daily funding and payment activity to account for all daily cash transactions. - Responsible for the reconciliation of all control reports that may impact the portfolio (daily, monthly, quarterly, etc.) and escalate as needed to minimize any Operational Risk impact. - Responsible for coordinating the funds transmittal from each Bank at time of each disbursements (loan advances). Coordinate with other internal applicable units: Construction, ABL, Capital Market. - Responsible for overseeing the generation of all applicable notices for base loans and participations: billings, past dues, ARM notices, insurance notices, remittance, annual statements - Act as SME for all projects impacting the Loan Operations unit in relation to the Syndication loan processes and products. - Ensures all lending transactions are booked and managed correctly, minimizing operational risks and losses and ensuring compliance with all bank policies and procedures.