Here are our current job openings. Please view the details for more information, and apply from that page if you are interested.
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.
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:
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Consistently meets and/or exceed assigned individual and team sales goals.
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Increases Bank relationships through cross-selling, marketing materials, promotions, telemarketing, developing client relations and providing prompt client service.
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Develops and maintains a prospect list of potential clients. Participates in networking, outside sales efforts and cold calling as appropriate.
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Opens and processes all types of accounts, products and/or services for clients after consulting with them on their specific needs.
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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.
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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.
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Facilitates transactions. Responds quickly and effectively to client questions.
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Provides access to safe deposit boxes after verifying the client’s identity and right to access.
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Completes necessary documents for clients to rent, transfer or surrender a safe deposit box.
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Receives and records payments for safe deposit box rent.
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Follows up on past due safe deposit box rent.
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Witnesses the drilling of safe deposit boxes due to lost keys or abandoned property.
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Prepares abandoned property for escheatment.
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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.
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Performs all paying, receiving and collection functions within the banking center with a high degree of accuracy.
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Adheres to cash handling, operational, security, BSA/AML and all other policies and procedures.
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Increases Bank relationships through cross-selling, marketing materials, promotions, telemarketing, developing client relations and providing prompt client service.
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Completes all necessary G/L tickets and balances accurately.
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Able to handle vault duties and ATM reconciliations
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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
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Assists as needed with Branch BSA operations and processes wire transfers.
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Performs routine service requests and administrative bank functions. Prepares all necessary reports in a timely basis.
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Must be able to travel to various Bank locations with little or no notice.
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:
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Meets and exceeds Banking Center set production goals.
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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.
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Provides leadership to a team of sales professionals and ensures that established sales and revenue goals are met or exceeded.
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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.
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Understands and focuses on core increasing deposits as a priority and active contributor to the loan funding.
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Generates proposals and develops sales strategies at an expert level.
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Knows the market, the competition and has an informed, strategic view for the business.
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Maintains expert level knowledge of all bank products and services.
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Develops, expands, and maintains referral sources.
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Responsible for the inspection of pre-call planning worksheets prior to joint appointments
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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.
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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.
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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.
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Works with clients in analyzing problems and propose solutions.
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Acts as the client’s advocate in securing suitable credit and cross selling products and services.
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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.
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Organizes and leads involved sales initiatives, including generating complex, customized proposals.
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Works to develop and maintain solid relationships with all partners.
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Contributes to the success of the banking center by actively engaging in sales campaigns, banking center activities and community organizations.
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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.
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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.
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 Client Services Specialist is responsible for meeting the servicing needs and expectations of the large Corporate, Real Estate, Business Banking, and Private Client Group clients through the integrated delivery of Depository, Loan, and Treasury Management services. Must be able to work in a fast paced environment, multi-task, and work under minimal general supervision.
Principal Duties & Responsibilities:
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Responsible for client retention and satisfaction by responding to all Deposit and Loan requests and inquiries in a timely and efficient manner.
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Proactively initiates contact with clients as needed to provide superior service.
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Responsible for handling loan servicing requests such as advances, pay-downs, copies of statements and bills, research on billing issues, insurance, escrows, flood insurance, etc.
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Actively participates in the On-Boarding of new clients by opening and processing all types of accounts, products and/or services.
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Serves as the client’s primary servicing point of contact, maintaining thorough knowledge of the relationship:
a. Issuing and collecting appropriate Deposit account documents and disclosures.
b. Coordinating with Electronic banking, Treasury Management and debit card services to issue, implement and training as necessary.
c. Creates and maintains proper Households.
d. Set up in Analysis composites.
e. Refer new check order to PCG Support Team once specs have been collected
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Responsible for ensuring Regulatory Excellence:
a. Making and inputting decisions on overdrafts (within their authorized limits).
b. The first client contact to collect missing signature cards and other applicable signature documents relating to new Deposit accounts.
c. The first client contact to satisfy BSA/RFI requests.
d. The first client contact to satisfy pending Loan Ticklers and late payments not related to a renewal of a loan.
e. Upload all account documentation to the appropriate areas
f. Escalate all unresolved issues related to the above mentioned tasks to the RM.
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Completing Reg E disputes, resolving fraud, check disputes, check processing errors and all other activities related to the Aithent system.
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Responsible for handling and processing all client requests or inquires related to Deposit accounts including but not limited to:
a. CIS maintenance changes.
b. Correcting CIP errors.
c. Close accounts, complete closing code reason.
d. Address changes.
e. Change of Signer maintenance (including the issuance and collection of all appropriate signature documents and disclosures as applicable).
f. Deposit Research – statements, check copies, balance inquires, etc.
Responsible for the proper disposition of all exception items from Deposit Operations related to the clients they service.
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Composes and types letters, emails, and other special reports to support RMs.
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Organizes and maintains files on all clients.
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Maintains strong product knowledge.
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Continually communicates with Relationship Managers regarding client activities, issues, and potential opportunities.
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Participates in on-site client visits and relationship reviews.
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Ensures compliance with the Bank’s operational, regulatory, and security policies and procedures.
Primarily responsible for the solicitation of residential mortgages to lower and moderate income families through active calling efforts to the Bank's retail branches, realtor's, developers, mortgage bankers, CDC's and other community based organizations involved in the development, sale and financing of affordable "for sale" housing. Backs-up solicitation efforts of mortgage loan officers.
Principal Duites & Responsibilities:
- Consistently meets or exceeds monthly production goals.
- Serves as a member of CRA Committee.
- Promotes and solicits applications for CitySmart and other Bank residential mortgage products to low and moderate income families.
- Bank’s primary contact with realtors, developers, mortgage bankers, CDC’s and other community based organizations involved in the development, sale and financing of affordable “for sale” housing.
- Participates actively in at least one CDC or other community based organization (non- profit) whose primary objective is to promote affordable housing ownership.
- Participates in housing fairs, seminars and other programs conducted to educate and promote affordable housing ownership.
- Meets with clients to identify the correct mortgage product for their financial and housing needs, reviews credit and DU findings, requests supporting documents, and works with applicants in completing and submitting their mortgage loan application.
- Backs-up the efforts of the conventional mortgage bankers.
- Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations. Provides “best in class” service to the Bank’s clients who are referred for mortgage loans. Protects bank's image by keeping mortgage loan information confidential.
- Solid knowledge of FNMA loan underwriting guidelines and other laws and regulations.
- Works closely with underwriters to prepare appropriate packages to meet the criteria of investors and corresponding lenders.
- Stays abreast of industry trends to maintain CitySmart, Surtax and other Bank CRA loans competitive in the market place.
- Willingness to regularly call on clients/applicants and attend meetings and functions outside the Bank.
- Executes goals set forth in residential business plan.
- 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 Compliance Monitoring Analyst conducts independent reviews of all Bank activities to evaluate the adequacy and effectiveness of the system of internal control and operating procedures in accordance with specified compliance risk objectives. Determines compliance with laws, regulations and operating procedures. Evaluates the adequacy of procedures for safeguarding assets and prevention and detection of loss.
Principal Duties & Responsibilities:
- 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, performing field work in accordance with regulatory guidance, evaluating internal controls for adequacy, and documenting work performed substantiating conclusions reached.
- Conducts reviews of new regulations, products, services, software, etc. for compliance risk applicability or exposure; and follows an implementation plan, where applicable. Ensures the necessary risk mitigation processes are implemented while regulatory deadlines are met.
- Independently conducts detailed analyses/testing of business functions and processes against applicable compliance requirements. Communicate testing results with review lead.
- Monitors and tracks legal and regulatory developments that may impact the Bank, including new and revised laws and regulations, enforcement actions and other regulatory guidance. Interprets regulations/laws, liaises with Compliance and other subject matter experts to determine appropriate action.
- Recommends compliance system and other risk avoidance controls based on his/her analysis of regulatory guidelines, and conducts proper follow-up to ensure the controls were implemented properly.
- Works with the applicable line of business when working with vendors in generating change, based on risk assessments performed during fulfillment of responsibilities.
- Independently identifies and discusses findings and makes recommendations as a result of the review with appropriate bank management. Writes and timely issues Compliance Monitoring reports to bank management.
- Participates in the evaluations of the Bank’s Compliance and Fair Lending Risk Assessments to identify regulatory risk levels.
- Participates in Bank examinations and internal/external audits and ensure all required documents are provided and questions are answered.
- Knowledgeable of all banking areas, and develops specialization in certain compliance areas thus requiring in depth knowledge and training in the function, such as regulatory lending, deposits, operation or fiduciary trust activities.
- As identified during compliance reviews, provides training to Bank personnel in any areas of compliance in need of reinforcement.
- Continually develops compliance knowledge and skills by attending compliance related conferences or trainings.
- Must keep abreast of new regulations and material changes to existing regulations.
- Provides assistance in the writing and dissemination of compliance information to appropriate personnel and serve as resource to Bank employees on compliance related issues.
- Participates in the creation and/or review of compliance related training materials.
- Performs as needed risk assessments to help identify potential areas of compliance vulnerability and risk.
- Works with compliance management with monitoring schedule and tracking report exceptions.
- Develops a working knowledge of HMDA, CRA and BSA.
The Compliance Monitoring Analyst conducts independent reviews of all Bank activities to evaluate the adequacy and effectiveness of the system of internal control and operating procedures in accordance with specified compliance risk objectives. Determines compliance with laws, regulations and operating procedures. Evaluates the adequacy of procedures for safeguarding assets and prevention and detection of loss.
Principal Duties & Responsibilities:
- 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, performing field work in accordance with regulatory guidance, evaluating internal controls for adequacy, and documenting work performed substantiating conclusions reached.
- Conducts reviews of new regulations, products, services, software, etc. for compliance risk applicability or exposure; and follows an implementation plan, where applicable. Ensures the necessary risk mitigation processes are implemented while regulatory deadlines are met.
- Independently conducts detailed analyses/testing of business functions and processes against applicable compliance requirements. Communicate testing results with review lead.
- Monitors and tracks legal and regulatory developments that may impact the Bank, including new and revised laws and regulations, enforcement actions and other regulatory guidance. Interprets regulations/laws, liaises with Compliance and other subject matter experts to determine appropriate action.
- Recommends compliance system and other risk avoidance controls based on his/her analysis of regulatory guidelines, and conducts proper follow-up to ensure the controls were implemented properly.
- Works with the applicable line of business when working with vendors in generating change, based on risk assessments performed during fulfillment of responsibilities.
- Independently identifies and discusses findings and makes recommendations as a result of the review with appropriate bank management. Writes and timely issues Compliance Monitoring reports to bank management.
- Participates in the evaluations of the Bank’s Compliance and Fair Lending Risk Assessments to identify regulatory risk levels.
- Participates in Bank examinations and internal/external audits and ensure all required documents are provided and questions are answered.
- Knowledgeable of all banking areas, and develops specialization in certain compliance areas thus requiring in depth knowledge and training in the function, such as regulatory lending, deposits, operation or fiduciary trust activities.
- As identified during compliance reviews, provides training to Bank personnel in any areas of compliance in need of reinforcement.
- Continually develops compliance knowledge and skills by attending compliance related conferences or trainings.
- Must keep abreast of new regulations and material changes to existing regulations.
- Provides assistance in the writing and dissemination of compliance information to appropriate personnel and serve as resource to Bank employees on compliance related issues.
- Participates in the creation and/or review of compliance related training materials.
- Performs as needed risk assessments to help identify potential areas of compliance vulnerability and risk.
- Works with compliance management with monitoring schedule and tracking report exceptions.
- Develops a working knowledge of HMDA, CRA and BSA.
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.
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.
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:
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Achieves and exceeds set production goals and qualitative performance benchmarks.
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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.
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Requires significant marketing presentation, sales and relationship building skills. Expands existing client relationships and actively seeks new clients via targeted prospecting.
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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.
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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.
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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.
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Makes decisions of significant importance related to risk associated with the loan, documentation needed from client, negotiation of terms, etc.
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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.
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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 Financial Crimes Model Risk Management (MRM) Analyst is primarily responsible to participate in performing effective Model Risk Management of bank-wide models through every aspect of the models' life cycle, from model development, implementation, and use to rigorous model validation, in order to comply with the CNB Model Risk Management Policy and regulatory guidance. This role will be responsible for the models currently employed by the bank to support the institution's Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC), and FRAUD programs. Relies on experience and independent judgement to plan and accomplish goals directly related to compliance matters.
Principal Duties & Responsibilities:
- Perform, periodic independent model validations covering: assessment of the model’s design, model’s documentation review, verification of the data quality and integrity, syntax validation, model performance analysis, review of model’s use, reports, governance, and controls; all in accordance with the Bank’s internal policy, and regulatory guidelines.
- Develop challenger models and methodologies with their appropriate documentation to identify improvements.
- Prepare validation reports and communicate results of the validation to the model owner, as well as, prepare the presentation for Senior Management Committees and the action plan for the model being validated.
- Work closely with model owners/users to understand model details and to develop and implement recommendations. In addition to working closely with model owners, also work closely with the vendor of employed models as well as the bank’s information technology teams to obtain information, specs and data required to validate the models and help model owners identify and remediate potential issues.
- Collaborate with model developers to ensure compliance of model development standards and procedures with regulatory requirements and ensure a correct model implementation and use.
- Follow-up on all action plans to ensure findings/recommendations are completed on time and satisfactory.
- Stay up-to-date with new developments in financial crime risk management and model validation.
- Ensure compliance with applicable regulations and policies.
The Fraud Risk Investigator position is an individual contributor position in the Financial Crime Prevention Unit of the Enterprise Risk Division. The role is key in protecting bank and client assets in the resolution of financial fraud cases.
The main purpose of the position is to investigate external fraud cases across multiple payment types and channels to determine root cause, fraud schemes and parties involved to arrive at a final resolution. Case types worked include Online Account Takeovers, ID Theft, Check Fraud, Wire Fraud, ACH and Zelle, Elder Abuse and New Account fraud.
The Fraud Risk Investigator is responsible for identifying patterns and anomalies by reviewing account and client records and making recommendations to avoid re-occurrence of fraud events, including changes to bank procedures and/or controls.
Perform escalation of cases to management as required in procedure and perform regulatory reporting to FINCEN through timely and accurate creation of SAR’s filings.
Maintains ongoing communication with internal and external clients regarding associated account resolution, and provide direction to all lines of businesses in handling fraud claims.
Keeps up to date with fraud risk trends, and investigative skills by attending fraud related conferences or trainings. Builds network of contacts with other financial institutions and law enforcement to assist and collaborate on fraud cases.
Principal Duties & Responsibilities:
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Performs comprehensive case investigations on financial fraud events that span multiple payment types and channels.
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Analyze transaction and customer data on bank systems, system logs, call logs and open-source data to aid in identification of how a fraud event has taken place.
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Provide recommendations and mitigation strategies to avoid re-occurrence of fraud based on case findings.
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Evaluate cases in a timely manner for SAR filing requirements, and if needed complete SAR according to regulatory timeframes and requirements.
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Prepare and maintain accurate and detailed case documentation and artifacts, including evidence to support decisions.
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Maintain recovery files and other shared department logs up to date (eg..UAR logs, Subpoena log).
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Resolves all investigations, in compliance with industry regulations and bank procedures, within the respective timeframe allowed based on the case type and complexity.
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Report all losses and near misses to Operational Risk Department.
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Provide fraud training to new employees, as well as ongoing training to bank staff on fraud trends.
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Provides support to lines of business in client handling of fraud cases through effective and timely communications on case status, findings and case disposition.
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Use Case Management tool (Verafin) to document all actions taken in case investigation
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Create root-cause and timeline reports on fraud cases as dictated by department policy and procedures or as requested by Management.
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Meet with Digital Channels on ZELLE alerts and profile blocks and make decision on final disposition
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Determine case liabilities based on Depositor Agreements and bank regulations (Reg E, Reg CC, NACHA and UCC)
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Attempt to recover funds for bank and clients with a sense of urgency by processing transaction recall requests, Breach of Warranty, Indemnification, prosecution, or repayment agreements.
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Perform interviews and interrogations of parties involved in fraud cases, including clients and bank staff and maintain notes and evidence of any admission of involvement by parties being interviewed.
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Notify and work with local and Federal Law Enforcement agencies (USSS, FBI, US Postal OIG, ETC..) in support of Subpoenas and arrests to resolve fraud cases.
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May be required to attend depositions and court hearings
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.