The Universal Banker role consist of assisting clients providing exceptional customer service, accurately and efficiently performing all paying, receiving and collection functions. Processing transactions, adhering to strict security measures and to strong balancing procedures. Cross-trained in all servicing functions of the platform to support bankers and continue to assist clients as needed, such as, but not limited to, opening accounts, wire transfer input, change of address, and client's research. Ensures accuracy, excellence in client service and maintains appropriate measures relative to security and bank regulatory procedures. Takes an immediate active role in meeting the needs and expectations of clients; by servicing, promoting and identifying cross selling opportunities. Engages in conversation with clients by actively listening and asking questions. Introduces clients to other CNB team members, as appropriate , to proactively help meet their financial needs.   Principal Duties & Responsibilities: - Proactively and pleasantly greets clients to establish a connection and develop rapport, providing outstanding, personalized client experience. - Client Services duties include and not limited to helping in the lobby to ensure clients are being attended to at all time; when not servicing clients in the teller line, the Universal Banker is required to assist clients in the lobby and refers clients to appropriate bank personnel in order to meet their financial needs. - Executes a variety of transactions in accordance with applicable policies and procedures, and with a high level of accuracy and efficiency while maximizing the sales potential of every interaction. - Consistently meets and/or exceed assigned individual and team referral/sales goals. - Identifies client’s profiles and their respective needs, asks need revealing questions, identifies client CUES, makes appropriate benefit statements, handles objections, closes the referral to the appropriate business partner, ensures client retention and client service satisfaction. - Develops business name sales leads by “scrubbing” leads through Hoovers or any other list in order to provide leads/referrals to the sales staff. A scrubbed lead is taking a business name from Hoovers or any other list and taking steps to gather additional information about the owners and company, in order to provide that information to sales staff. Must meet Bank established minimum monthly lead goal - Maintains the highest level of confidentiality with all information obtained. - Promotes the Bank’s products and services. - Adheres to cash handling, operational, security and BSA/AML policies and procedures to avoid liability. - Learns, understands, and serves as back up to Business Transaction Leader to perform complex transactions, monitors security policies and procedures, maintains proper balancing procedures, and insures timely completion and processing of all necessary paperwork. - Is responsible as part of the two-member team to open and/or close the branch. - Provides timely and efficient client service by continuously helping the rest of the banking center team. - Develops and maintains a prospect list of potential Non on us leads from the teller line transactions. - Handles checks, debit/credit tickets and all other necessary transactions such as, loan payments within established limits. - Ensures accuracy and adequacy of bank currency and coin supply and verifies cash shipments. Including but not limited to, ordering, shipping currency & coins. - Cross trained to performs balancing of ATMs, TCR,as applicable and night depository. - Cross-trained in all areas of client service including but not limited to opening accounts, wire transfers, etc. - Ensures that all teller work is correctly & timely scanned through branch remote capture on a daily basis. - Responsible for sending files and documents for storage following bank guidelines. - Answering and responding to internal/external client phone calls. - Responds to emails on behalf of sales staff to BPB Support when WTA’s are missing or incomplete schedule A’s. - May assist the rest of Business Center staff with other duties: - EFT Department – assists with debit card activation, travel dates, limit increases, disputes and the ordering of new cards. - Follows up with clients on missing/pending signature cards. - Provides access to safe deposit boxes after verifying the client’s identity and right to access, handles documents for surrender boxes. - Follows up on past due safe deposit box rent, when applicable. - Witnesses the drilling of safe deposit boxes due to lost keys or abandoned property, when applicable. - Prepares abandoned property for escheatment. - Ensures accuracy, excellence in client service and maintains appropriate measures relative to security and bank regulatory procedure. - May perform more complex service and branch functions such as inputting outgoing - Completes domestic/international wires according to the Board approved authorization limits and in accordance with banking policy and procedures. - May perform routine client service functions such as change of address, provide statements, check book orders, ATM/Debit card orders, pin # changes, etc. - Increases Bank relationships through cross-selling, marketing materials, promotions, telemarketing, developing client relations and providing prompt client service. - Due to scheduling and business needs, the bank may modify your work hours and work location as needed, including working on a Saturday. - Educates new and existing clients on all digital products.

The Wholesale Portfolio Risk Officer, ensures the overall quality of the portfolio is maintained. Handles the client's financial needs, ensuring that the overall client experience is favorable and that the bank is in a position to expand the relationship. Takes the lead where debt product opportunities are identified and is accountable for all aspects of due diligence, underwriting, structuring and preparing the credit package for review and approval. Interfaces directly with the client and participates in building the client relationship. Additionally, to maintaining and updating as necessary credit policy and underwriting guidelines for debt products for this line of business.   Principal Duties & Responsibilities: - Primary duties and responsibilities include Commercial and Industrial Underwriting and Commercial Real estate renewals and opening of new loans to render a lending decision, portfolio loans while maintaining quality control of new loans which is essential to the sound business operations of the bank. - Responsible for the ongoing management of the Wholesale Risk portfolios including underwriting. - Manages relationships via a master portfolio report for tracking all renewals, annual reviews, servicing events, covenant checks and borrowing base reports by relationship. - Makes independent decisions on the creditworthiness of commercial clients of the Bank which includes: determining financial trends based on financial analysis; determining appropriate credit grading; determining, negotiating and finalizing appropriate credit structures; and providing independent recommendation of final credit decisions as per the Bank’s credit policies and guidelines. - Work closely with lines of business to obtain supporting information and data to develop a consistent view of portfolio trends. - Drives analysis of wide-ranging business risks that have financial impact and provide insight into trends in portfolio performance and profitability. - Monitors portfolio activity for the following: - 180 day Maturing Report - Upcoming and Past Due Servicing tickler reports - Upcoming and Past Due Financial Statement tickler reports - Interface with Collateral Control Department for monthly borrowing base reports and field exams as required per loan approvals - ACH Expiration Report - Remote Deposit Capture Report - Monthly Reconciliation of the loan policy exception waivers - Coordinates the requisition of upcoming financial statement requirements from clients in conjunction with Wholesale Banking Relationship managers. - Provides appropriate lead time to ensure compliance and to coordinate renewal or servicing timeframes are met. - Manages high volumes of documents (financial statements) for upcoming portfolio events until documents have been reviewed, ticklers updated and uploaded in Web Director. - Attends joint appointments. - Required to visit Clients at place of business

The Wholesale Portfolio Risk Officer, handles client's financial needs, ensuring that the overall client experience is favorable and that the bank is in a position to expand the relationship. The incumbent is responsible for commercial & industrial underwriting and commercial real estate underwriting. The incumbent takes the lead where debt product opportunities are identified to meet client's needs and is accountable for all aspects of due diligence, underwriting, structuring and preparing the credit package for review and approval. Interfaces directly with the client and participates in building the client relationship. This position does not involve residential or consumer mortgage underwriting.   Principal Duties & Responsibilities: - Primary duties and responsibilities include Commercial & Industrial and Commercial Real Estate underwriting of new loans to render sound lending decision, while maintaining quality control of new loans, which is essential to the sound business operations of the bank. - Directly responsible for delivering on a timely basis the end-to-end debt product to the client management process by underwriting all new loan requests primarily within the Wholesale Lines of Business (Corporate Banking, Business Banking and Private Client Group). At times, the incumbent will also support PBB LOB (Retail), as well. - Effectively partners with Relationship Manager(s). • Leads due diligence, credit package production and approval process. An integral part of this process is the ability to interact with the client either via phone and/or in person. - Demonstrates broad knowledge of the client’s industry; is aware of benchmarks, standards, methodologies and structures; has up to date knowledge of client industry practices and processes; keeps abreast of trends and development. - The incumbent is responsible for ensuring underwriting risk management processes are executed consistently, efficiently and effectively. - Works with client team in providing as needed support with Treasury Management, Loan Operations, etc. in connection with assigned relationships. - Accountable for asset quality by underwriting within the bank’s policies, guidelines and risk tolerances. - Ensures with the assistance of FinServ that credit events and monitoring information is entered accurately into appropriate systems. - Responsible for adherence to credit policies, guidelines and applicable regulatory requirements.

The Wholesale Portfolio Risk Officer Sr, handles client's financial needs, ensuring that the overall client experience is favorable and that the bank is in a position to expand the relationship. The incumbent is responsible for commercial & industrial underwriting and commercial real estate underwriting. The incumbent takes the lead where debt product opportunities are identified to meet client's needs and is accountable for all aspects of due diligence, underwriting, structuring and preparing the credit package for review and approval. Interfaces directly with the client and participates in building the client relationship. This position does not involve residential or consumer mortgage underwriting.   Principal Duties & Responsibilities: - Primary duties and responsibilities include Commercial & Industrial and Commercial Real Estate underwriting of new loans to render sound lending decision, while maintaining quality control of new loans, which is essential to the sound business operations of the bank. - Given the lack of automated systems and lack of automated preliminary determination of loan structure by automated systems, the incumbent is responsible for making sound decisions within their delegated lending authority and making recommendations for loans requiring higher levels of delegated approval authority, based upon their own independent analysis and interpretation of cash flows, and banking lending risk guidelines (100% manual non-automated Commercial & Industrial and Commercial Real Estate underwriting). - Directly responsible for delivering on a timely basis the end-to-end debt product to the client management process by underwriting all new loan requests primarily within the Wholesale Lines of Business (Corporate Banking, Business Banking and Private Client Group). At times, the incumbent will also support PBB LOB (Retail), as well. - Effectively partners with Relationship Manager(s). - Leads due diligence, credit package production and approval process. An integral part of this process is the ability to interact with the client either via phone and/or in person. - Demonstrates broad knowledge of the client’s industry; is aware of benchmarks, standards, methodologies and structures; has up to date knowledge of client industry practices and processes; keeps abreast of trends and development. - The incumbent is responsible for ensuring underwriting risk management processes are executed consistently, efficiently and effectively. - Works with client team in providing as needed support with Treasury Management, Loan Operations, etc. in connection with assigned relationships. - Accountable for asset quality by underwriting within the bank’s policies, guidelines and risk tolerances. - Ensures with the assistance of FinServ that credit events and monitoring information is entered accurately into appropriate systems. - Responsible for adherence to credit policies, guidelines and applicable regulatory requirements.