Position Summary

This position is responsible for processing deposit operations functions, ensuring accuracy and compliance with regulations and bank policies, while providing a high level of service to customers and other departments of the Bank, maintaining high-quality work standards, and identifying and mitigating risks associated with these functions.  This position will be cross trained for other functions in the Bank’s Deposit Sales Support area. 

Essential Duties and Responsibilities (Other duties may be assigned.)    

• ·   Perform timely and thorough review of potentially fraudulent images and transactions daily, taking prompt action to notify appropriate internal resources of suspect items. 

  ·   Provide timely review and processing of Mobile Deposited items

  ·   Monitor DSS Requests Inbox and process requests received, including dormancy removal, processing fee refunds and deposit rate exceptions

  ·   Research requests and adjustments from Customers and Bank Personnel, including compiling information for Verification of Deposit forms and SSI Verification

  ·   Provide support with all Cash Services Operations, including ordering Branch, ATM, Commercial and Foreign Currency and Process Foreign Check Collection

  ·   Complete transaction review to ensure all regulations and audit requests are met, to include Reg D review

  ·   Process interoffice mail

  ·   Scan documents for all Deposit Sales Support work

  ·   Provide support and assistance with various deposit product support functions, including Demand Deposit, Savings, CD, IRA, HSA, Safe Deposit Box, Sweep, etc. Product Setup and Account Documentation Review

  ·   Provide backup support to all other Deposit Sales Support functions, to include Deposit Exceptions Item Processing, Return Item Processing, Tax Reporting, ODP Administration, and processing SSA and SSI death notices, Reclamations, Pre-Notifications, Levies, Garnishments, Bankruptcy and Subpoena requests

  ·   Assist and advise with Escheat/Abandoned Property Processing annually

  ·   Meet service level targets regarding timely responses to customer/colleague requests and customer notices and mailings

  ·   Assist with internal and external audits

  ·   Follow policies and procedures to ensure satisfactory audit and SOX testing reports

  ·   Perform other duties as assigned

  
  Qualifications

• ·   High school diploma or equivalent and 2 years bank experience, or an equivalent combination of education and experience

  ·   Active knowledge and practice of generally accepted accounting principles

  ·   Effective oral and written communication skills

  ·   Ability to compute basic to moderately complex math calculations

  ·   Proficiency in using personal computers and Microsoft Office products (e.g., Word, Excel, Teams, SharePoint, Outlook).  Familiarity with report-writing or spreadsheet software preferred.

  ·   Ability to multitask and manage priorities and deadlines

  ·   Basic problem-solving and analytical skills.  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form

  ·   Strong attention to detail and organization skills

  ·   Professionalism in dress and communication

Responsible for performing daily operational and servicing functions within the Loan Sales Support department. This role supports the processing, maintenance, and servicing of various products or accounts while ensuring accuracy, compliance with internal procedures, and adherence to applicable policies and regulatory requirements.  

·          Demonstrate working knowledge of Bank loan products and procedures.

·          Perform loan system maintenance in accordance with department processes and procedures, including scanning, as directed.

·          Assist with onboarding, verification, and ongoing maintenance of accounts or records within core systems, ensuring accuracy and completeness for each transaction.

·          Introductory level of tracking and clearing of loan level exceptions to include financial to bank policy and regulatory requirements.

·          Introductory level in execution of lien perfection and release by maintaining accurate records to ensure lien are released within required timeframes and compliance with regulations, breaking down the paid off loan file, and mailing appropriate letters and lien release documentation to customers.

·          Support introductory-level of account closures or payoffs by maintaining accurate records, ensuring timely completion, preparing documentation, and distributing required correspondence.

·          Introductory level knowledge of loan transactions, general ledger accounting.

·          Accurately and efficiently process a variety of transactions, payments, and related postings according to established procedures.  

·          Monitor consumer credit reporting, including inquiry, research and disputes.

·          Respond professionally and knowledgably to internal and external inquiries related to assigned responsibilities.

·          Primary duties may differentiate based upon the level of experience within the role.

·          May be requested to assist in the support of other bank activities.

Position Summary

Responsible for providing quality transactions and efficiency to customers who prefer personal interaction with the Bank.  Also responsible for proactively recognizing additional financial needs of customers and referring them to other Bank staff as applicable.

Position Summary

Responsible for the management, direction and development of the commercial lending in an assigned market area. Provides leadership for the market are Commercial Bankers in the interest of overall growth and development through soliciting, negotiating, underwriting, and coordinating the closing of routine consumer and commercial loans.  Examines, evaluates, and authorizes or recommends approval of customer loan applications. 

·   Interview loan applicants and request required information for determining a credit decision.

·   Conduct credit analysis to support granting loan approval within assigned lending authority or prior to requesting approval from a co-approving officer.

·   Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.

·   Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

·   Serve as primary contact in responding to customer and non-customer inquiries relative to loan products, rates, procedures, etc.

·   Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle.

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.

·   Assume ownership of customer problems to achieve resolution.

·   Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.

·   Assist in attaining established Bank and branch goals through active participation in sales management and officer call programs.  Includes promoting and cross-selling other Bank products and services as appropriate for customer requirements.

·   Identify and analyze potential loan markets to develop commercial loan prospects.

·   Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.

·   Support the Bank’s CRA Officer by reporting CRA data.

·   Engage in community involvement and civic activities and, at times, take a leadership role in such organizations.

·   Directly manage market area commercial lending staff and carry out all related supervisory responsibilities.

·   Supports business growth through proactive deposit calling efforts, strengthening existing client relationships and uncovering new deposit opportunities.

·   Participates in depositrelated outreach activities in alignment with established calling strategies and compliance guidelines.

·   Generate qualified referrals to internal partners across multiple lines of business, contributing to integrated relationship management and revenue growth.

·   Identifies potential client needs through routine interactions and makes appropriate compliant referrals to approved other lines of business.

·   Bachelor’s degree, or at least 10 years of related experience, or an equivalent combination of education and experience.

·   Effective oral and written communication skills.

·   Effective interviewing skills.

·   Ability to speak effectively before groups.

·   Ability to compute basic to moderately complex math calculations.

·   Basic problem-solving and analytical skills.  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

·   Proficiency in using personal computers and office products (e.g., Word, Excel).

·   Ability to underwrite and properly package a loan.

·   Attendance in SC Bankers School curriculum or similar course work preferred.

Position Summary

This position will be responsible for the interim servicing of the residential loans sold on the secondary market. Responsibilities include performing duties of loan set-up, loan pay-off, account reconciliations, customer service and past-due collections.

• Board mortgage loans to the servicing system accurately and timely upon receipt of completed loan closing packages.
• Verify the accurate transfer of loan fees, terms, and related data from the loan origination system to the servicing system and general ledger.
• Monitor and track receipt of initial mortgage payments for loans serviced by the Bank.
• Process loan payoffs in the servicing system upon receipt and reconciliation of investor purchase advices.
• Perform daily monitoring, balancing, and reconciliation of assigned general ledger accounts and designated demand deposit accounts (DDA).
• Research and resolve account variances within established timelines and compliance standards.
• Provide exceptional customer service and support to both secondary market and portfolio mortgage customers.
• Conduct collection activities, including contacting customers with delinquent mortgage payments to discuss repayment options and account status.
• Develop, document, and maintain department procedures to ensure compliance, consistency, and operational efficiency.
• Cross-train with team members and provide backup support to ensure business continuity and coverage of critical functions.

Education & Experience

• High school diploma or equivalent required; Associate's or Bachelor's degree in Business, Finance, Accounting, or a related field preferred.
• Minimum of 2 years of experience in mortgage servicing, mortgage operations, loan processing, banking operations, or a related financial services role.
• Experience with mortgage servicing systems and loan origination systems preferred.

Knowledge & Skills

• Working knowledge of mortgage servicing practices, investor loan purchases, payment processing, and collections.
• Understanding of general ledger balancing, account reconciliation, and basic accounting principles.
• Strong attention to detail with a high level of accuracy in data entry, balancing, and transaction processing.
• Excellent analytical and problem-solving skills with the ability to research and resolve discrepancies in a timely manner.
• Strong customer service and interpersonal skills, with the ability to communicate professionally with customers and internal stakeholders.
• Ability to prioritize multiple tasks, meet deadlines, and work effectively in a fast-paced environment.
• Proficient in Microsoft Office applications, including Excel, Word, and Outlook.
• Strong written communication skills with the ability to create and maintain procedures and documentation.
• Ability to work independently and collaboratively as part of a team.
• Demonstrated commitment to confidentiality, compliance, and operational risk management.

Other Requirements

• Ability to cross-train on departmental functions and provide backup support as needed.
• Willingness to adapt to changing priorities and operational needs.
• Regular and reliable attendance.

Position Summary

 This position is responsible for processing deposit operations functions, ensuring accuracy and compliance with regulations and bank policies, while providing a high level of service to customers and other departments of the Bank, maintaining high quality work standards, and identifying and mitigating risks associated with these functions.  This position will be cross trained for other functions in the Bank’s Deposit Sales Support area.

·  Perform timely and thorough review of potentially fraudulent images and transactions daily, taking prompt action to notify appropriate internal resources of suspect items. 

·  Provide timely review and processing of Mobile Deposited items

·  Monitor DSS Requests Inbox and process requests received, including dormancy removal, processing fee refunds and deposit rate exceptions

·  Research requests and adjustments from Customers and Bank Personnel, including compiling information for Verification of Deposit forms and SSI Verification

·  Complete General Ledger daily reconciliation and research

·  Provide support with all Cash Services Operations, including ordering Branch, ATM, Commercial and Foreign Currency

·  Process Foreign Check Collection

·  Complete transaction review to ensure all regulations and audit requests are met, to include Reg D review

·  Process interoffice mail

·  Scan documents for all Deposit Sales Support work

·  Provide support and assistance with various deposit product support functions, including Demand Deposit, Savings, CD, IRA, HSA, Safe Deposit Box, Sweep, etc. Product Setup and Review

·  Provide backup support to all other Deposit Sales Support functions, to include review of SSA and SSI death notices, processing Reclamations and Pre-Notifications, and Processing Levies, Garnishments and Bankruptcy requests

·  Meet service level targets regarding timely responses to customer/colleague requests and customer notices and mailings

·  Assist with internal and external audits

·  Follow policies and procedures to ensure satisfactory audit and SOX testing reports

·  Perform other duties as assigned

·   Complete Deposit Exception Item Processing for Checking, Savings and CD products (NSF/Return Items Processing, Unposted Item Review, PEP, Chargebacks, Stop Suspect Review, Large Dollar Review)

·   Manage all steps related to Customer Transaction disputes (ACH, Check Drafts, Forged Checks) and claim activity, including reporting/tracking, claim submission, review, and final disposition.

·   Manage ACH RDFI Operations and related tasks, including ACH Warehouse, ACH Exceptions, NOC, ACH Review Reporting, etc. Additionally, manage key control items related to annual ACH Audit 

·   Meet deadlines pertaining to non-posts, returns and disputes, keeping in compliance with Regulations and Bank Policy

·   Review SSA and SSI death notifications

·   Process Reclamations

·   Review Pre-Notifications

·   Review stop pay maintenance entered on system for accuracy

·   Complete IOLTA NSF Review, Reporting and Remittance

·   Review HSA NSF activity

·   Calculate QIA Interest and perform maintenance

·   Review Account Analysis Maintenance Report

·   Complete CD and IRA Check Issuance

·  High school diploma or equivalent and 3 years bank experience, or an equivalent combination of education and experience.

·  Active knowledge and practice of accounting principles.

·  Effective oral and written communication skills.

·  Ability to compute basic to moderately complex math calculations.

·  Proficiency in using personal computers and Microsoft Office products (e.g., Word, Excel, Teams, SharePoint, Outlook).  Familiarity with report-writing or spreadsheet software preferred.

·  Ability to multitask and manage priorities and deadlines.

·  Basic problem-solving and analytical skills.  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

·  Strong attention to detail and organization skills

·  Professionalism in dress and communication

Position Summary

Responsible for providing quality transactions and efficiency to customers who prefer personal interaction with the Bank.  Also responsible for proactively recognizing additional financial needs of customers and referring them to other Bank staff as applicable.

 Essential Duties and Responsibilities (Other duties may be assigned.)

Position Summary

Responsible for soliciting, negotiating, and assist in coordinating the closing of routine mortgage loans.  Examines, evaluates, and recommends approval of loan package.  Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.

The majority of time worked is spent out of banking offices. 

Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.

Position Summary

Responsible for soliciting, negotiating, underwriting, and coordinating the closing of routine consumer and commercial loans.  Examines, evaluates, and authorizes or recommends approval of customer loan applications.  Also promotes business for the Bank by developing new commercial and consumer business growth and cross-selling opportunities.

·   Interview loan applicants and request required information for determining a credit decision.

·   Conduct credit analysis to support granting loan approval within assigned lending authority or prior to requesting approval from a co-approving officer.

·   Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.

·   Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

·   Serve as primary contact in responding to customer and non-customer inquiries relative to loan and deposit products, rates, procedures, etc.

·   Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle.

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.

·   Assume ownership of customer problems to achieve resolution.

·   Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.

·   Assist in attaining established Bank and branch goals through active participation in sales management and officer call programs.  Includes promoting and cross-selling other Bank products and services as appropriate for customer requirements.

·   Identify and analyze potential loan markets to develop commercial loan and deposit prospects.

·   Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.

·   Support the Bank’s CRA Officer by reporting CRA data.

·   Engage in community involvement and civic activities and, at times, take a leadership role in such organizations.

·   Bachelor’s degree, or at least 5 years of related experience, or an equivalent combination of education and experience.

·   Effective oral and written communication skills.

·   Effective interviewing skills.

·   Ability to speak effectively before groups.

·   Ability to compute basic to moderately complex math calculations.

·   Basic problem-solving and analytical skills.  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

·   Proficiency in using personal computers and office products (e.g., Word, Excel).

·   Ability to underwrite and properly package a loan.

·   Attendance in SC Bankers School curriculum or similar course work preferred.

Position Summary

Responsible for soliciting, negotiating, and assist in coordinating the closing of routine mortgage loans.  Examines, evaluates, and recommends approval of loan package.  Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.

The majority of time worked is spent out of banking offices. 

Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.

Position Summary

Responsible for soliciting, negotiating, and assist in coordinating the closing of routine mortgage loans.  Examines, evaluates, and recommends approval of loan package.  Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.

The majority of time worked is spent out of banking offices.

 Essential Duties and Responsibilities (Other duties may be assigned.)

• Demonstrate knowledge of Bank mortgage loan products and services.
• Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.
• Demonstrate familiarity with underwriting guidelines with all of the Bank's investors and programs.
• Support the Bank's CRA and Fair Lending initiatives.
• Interview loan applicants and request required information for determining a credit decision.
• Compile loan packages and facilitate negotiation of loan structures with applicants, including fees, loan repayment options, and other credit terms.
• Conduct credit analysis to support granting loan approval within guidelines from approving officer and/or outsourced investor guidelines.
• Identify and analyze potential loan markets to develop mortgage loan prospects.
• Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.
• Assume ownership of customer problems to achieve resolution.
• Serve as primary contact in responding to customer and non-customer inquiries relative to mortgage loan products, rates, procedures, etc.
• Engage in marketing efforts with realtors, builders and others to obtain new business.  Efforts include but are not limited to realtor open house luncheons, meeting with customers after hours, and calling and/or meeting potential customers during evening hours and on weekends per realtor request.

• Bachelor's degree preferred but not required.
• Minimum three years of residential mortgage lending is required.
• Effective oral and written communication skills.
• Effective interviewing skills.
• Ability to speak effectively before groups.
• Ability to compute basic to moderately complex math calculations.
• Basic problem-solving and analytical skills.  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Proficiency in using personal computers and office products (e.g., Word, Excel).
• Excellent customer service and interpersonal skills.
• Ability to work independently.
• Self-starter who is goal- and results-oriented.

 Certificates, Licenses, Registrations

Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.

Position Summary

Responsible for soliciting, negotiating, and assist in coordinating the closing of routine mortgage loans.  Examines, evaluates, and recommends approval of loan package.  Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.

The majority of time worked is spent out of banking offices. 

Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.

Position Summary

Responsible for soliciting, negotiating, underwriting, and coordinating the closing of routine consumer and commercial loans.  Examines, evaluates, and authorizes or recommends approval of customer loan applications.  Also promotes business for the Bank by developing new commercial and consumer business growth and cross-selling opportunities.

·   Interview loan applicants and request required information for determining a credit decision.

·   Conduct credit analysis to support granting loan approval within assigned lending authority or prior to requesting approval from a co-approving officer.

·   Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.

·   Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

·   Serve as primary contact in responding to customer and non-customer inquiries relative to loan and deposit products, rates, procedures, etc.

·   Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle.

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.

·   Assume ownership of customer problems to achieve resolution.

·   Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.

·   Assist in attaining established Bank and branch goals through active participation in sales management and officer call programs.  Includes promoting and cross-selling other Bank products and services as appropriate for customer requirements.

·   Identify and analyze potential loan markets to develop commercial loan and deposit prospects.

·   Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.

·   Support the Bank’s CRA Officer by reporting CRA data.

·   Engage in community involvement and civic activities and, at times, take a leadership role in such organizations.

·   Bachelor’s degree, or at least 5 years of related experience, or an equivalent combination of education and experience.

·   Effective oral and written communication skills.

·   Effective interviewing skills.

·   Ability to speak effectively before groups.

·   Ability to compute basic to moderately complex math calculations.

·   Basic problem-solving and analytical skills.  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

·   Proficiency in using personal computers and office products (e.g., Word, Excel).

·   Ability to underwrite and properly package a loan.

·   Attendance in SC Bankers School curriculum or similar course work preferred.