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.)

This position is 32 hours per week and will be eligible for benefits.

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 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

 The Government Guaranteed Lending Loan Operations Specialist is responsible for operations, and compliance functions for SBA, and USDA loan guaranteed lending programs. This role ensures efficient and accurate funding, servicing, and reporting of these loan types. The ideal candidate is a detail-oriented leader with deep expertise in government-guaranteed lending programs, risk management, and regulatory exam readiness. 

 Compliance & Regulatory Management

Responsibilities:

• Ensure full compliance with current SBA SOP, USDA program requirements, FDIC regulations, and State Chartered Bank policies.
• Assist in maintaining audit readiness files for SBA, USDA, FDIC, and internal reviews, preparing and presenting supporting documentation.
• Assist with the SBA 1502 remittances and USDA reporting, ensuring accuracy and timeliness.

Loan Operations Oversight

Responsibilities:

• Assist in loan bookings and on boarding, assist with all post-closing operational functions for SBA and USDA loans including reviewing loan documentation, payment of guarantee fees, post-closing E-Tran review, USDA system transactions, funding of payments and participations, and keying loan modifications when necessary
• Add and review new loans to the bank’s core system.
• Ensure loan grades are accurately recorded and maintained.
• Coordinate with underwriting, loan officers, portfolio managers, attorneys, and title companies to ensure accurate and timely servicing of the loan portfolio including lien perfection
• Verification of all collateral documentation in file, obtaining necessary collateral information not in file.
• Processing payments and payoffs.
• Assist in the loan selling process including recording 

Portfolio Re-Amortization Management

Responsibilities:

·         Assist with the re-amortization of SBA loan portfolio to ensure correct recalculations of payments, interest schedules, and compliance with SBA servicing requirements.

·         Implement consistent re-amortization procedures for modifications, deferments, and restructuring requests.

·         Collaborate with credit and finance teams to ensure all adjustments are documented and auditable.

Leadership & Team Development

Responsibilities:

·         Communicates effectively with bank department managers/officers to ensure smooth workflow and positive working relationships.

·         Stays abreast of system requirements, updates, and opportunities.

·         Foster a high-performance culture centered on compliance, efficiency, and client satisfaction to provide high quality customer service to the borrowers and internal clients.

Reporting & Data Management

Responsibilities:

·         Follow up on recorded documents with the closing attorney

·         Track and monitor collateral perfection, collateral substitution, compliance matters, loan renewals, extensions and modifications with the borrower and attorney.

·         Maintain clean, exam-ready loan documentation and data integrity across SBA and USDA systems.

Process Optimization

Responsibilities:

·         Drive process automation, technology enhancements, and operational improvements for SBA and USDA programs.

·         Standardize workflows for guaranteed lending operations to increase scalability and reduce risk.

·         Stays abreast of system requirements, updates, and opportunities.

Customer & Partner Service

Responsibilities:

·         Ensure fast resolution of escalated loan issues while maintaining exceptional service standards.

·         Bachelor’s degree in finance, business, or related field preferred.

·         8+ years operations experience, with supervisory or leadership responsibilities.

·         Understanding of SBA SOPs, USDA B&I regulations, FDIC guidelines, and State Chartered Bank practices.

·         Proficiency in E-Tran, USDA OneRD, loan servicing systems, and Microsoft Office Suite.

Physical Requirements:

Ability to sit for extended periods and use a computer.
Occasional lifting of files or office materials (up to 20 lbs).

Position Summary

 The Senior SBA & USDA Underwriter is responsible for the independent underwriting, structuring, analysis, and recommendation of complex government guaranteed commercial loan requests in accordance with SBA SOP requirements, USDA guidelines, bank credit policy, and prudent commercial lending practices.

This position plays a critical role in maintaining credit quality, regulatory compliance, portfolio performance, and operational efficiency within a high-performing Government Guaranteed Lending (“GGL”) platform. The ideal candidate possesses advanced technical expertise in SBA 7(a), SBA Express, USDA B&I, and related government guaranteed lending programs, while also demonstrating strong business judgment, communication skills, and the ability to operate in a fast-paced, production-oriented environment consistent with one of the nation’s top SBA lenders.

The Senior Underwriter serves as a key resource to lenders, credit administration, closing, servicing, and executive management while helping drive growth, consistency, and credit culture throughout the organization.

The ideal candidate combines elite-level government guaranteed lending expertise with strong business acumen, sound credit judgment, operational discipline, and a collaborative leadership style. This individual thrives in a high-performance lending environment focused on growth, compliance, credit quality, and exceptional client service.

Credit Underwriting & Analysis

• Independently underwrite complex SBA 7(a), SBA Express, USDA B&I, and related government guaranteed loan requests.
• Analyze borrower financial statements, tax returns, projections, global cash flow, debt service capacity, collateral coverage, liquidity, guarantor support, and repayment ability.
• Assess business risk, industry trends, management strength, succession considerations, and operational viability.
• Structure transactions in accordance with SBA SOP, USDA program requirements, bank credit policy, and safe and sound banking practices.
• Perform detailed collateral analysis including real estate, business assets, special purpose collateral, and construction lending scenarios.
• Evaluate equity injection requirements, source and seasoning of funds, and eligibility of contributed assets.
• Analyze franchise eligibility, affiliation, size standards, ownership structures, and organizational documentation.
• Review environmental, appraisal, insurance, and legal requirements associated with government guaranteed lending.
• Prepare comprehensive written credit memorandums and recommendation packages for approval authorities and loan committees.
• Present and defend loan recommendations to senior management and credit committees when necessary.

Government Guaranteed Program Compliance

• Maintain expert-level knowledge of current SBA SOPs, USDA regulations, policy notices, procedural updates, and program changes.
• Ensure all loans meet SBA and USDA eligibility, underwriting, documentation, and compliance requirements.
• Assist in maintaining the bank’s Preferred Lender Program (“PLP”) standards and USDA lending authority requirements.
• Identify and mitigate potential guaranty repair or denial risks during underwriting.
• Work closely with internal audit, quality control, compliance, and loan operations teams to ensure adherence to regulatory standards.
• Assist with responses to SBA, USDA, internal audit, and regulatory examination findings as needed.

Leadership & Collaboration

• Serve as a technical resource and mentor to junior underwriters, analysts, lenders, and support staff.
• Promote consistency in underwriting standards and credit culture across the organization.
• Partner closely with business development officers, closers, portfolio managers, and loan operations staff to ensure efficient loan flow and exceptional customer experience.
• Assist in developing underwriting procedures, templates, workflows, and departmental best practices.
• Participate in training initiatives related to SBA and USDA lending programs.

Education & Experience

• Bachelor’s degree in finance, Accounting, Business, Economics, or related field preferred.
• Minimum 7–10 years of commercial credit underwriting experience required.
• Minimum 5 years of direct SBA underwriting experience required.
• USDA B&I underwriting experience strongly preferred.
• Experience within a high-volume SBA lending platform preferred.
• Prior experience with PLP lending strongly preferred.

Advanced knowledge of:

·         SBA SOP 50 10 and related procedural notices

·         SBA 7(a), Express, CAPLines, and construction lending

·         USDA Business & Industry (B&I) lending

·         Commercial cash flow analysis and global cash flow

·         CRE and business acquisition underwriting

·         Construction lending analysis

·         Environmental and appraisal requirements

·         SBA eligibility and affiliation rules

·         Collateral valuation methodologies

·         Loan structuring and risk assessment

·         Regulatory and compliance expectations

Skills & Competencies

• Exceptional analytical and credit underwriting skills.
• Strong written and verbal communication abilities.
• Ability to manage multiple transactions under tight deadlines.
• Strong organizational skills and attention to detail.
• Ability to operate independently with minimal supervision.
• Strong decision-making and problem-solving capabilities.
• Ability to thrive in a fast-paced, production-driven environment.
• High level of professionalism, accountability, and integrity.

Preferred Systems Experience

• SBA E-Tran
• CAFS
• Abrigo / Sageworks / Moody’s
• Microsoft Excel and Word

Performance Expectations

• Maintain high levels of underwriting accuracy and compliance.
• Deliver timely credit decisions consistent with service-level expectations.
• Support portfolio growth while maintaining strong credit quality.
• Contribute to the bank’s strategic growth within SBA and USDA lending platforms.
• Uphold the institution's credit culture and reputation as a top-tier government guaranteed lender.

Position Summary

 The Government Guaranteed Loan Processor / Closer is responsible for the loan closing process for all Government Guaranteed Loans, ensuring that all legal documents are accurate, complete, and comply with SBA and USDA guidelines and regulations. This role involves working closely with loan officers, underwriters, loan operations, and clients to coordinate loan disbursement, resolve outstanding issues, and ensure timely and efficient loan closings.

Loan Closing Coordination:

Responsibilities:

• Reviews loan requests for loan eligibility, ensuring loans are eligible per the current SBA SOP, USDA program requirements, FDIC regulations, and State Chartered Bank policies.
• Review loan file and provide closing checklist to borrowers and set up a call to go over loan closing process with the borrower.
• Collect and review all required due diligence for loan closing, including business insurance, title insurance, life insurance, equity injection and all other due diligence as required by the closing checklist.
• Work with insurance agents for business insurance and life insurance policy.
• Complete SBA Forms: 1919, 1920, 912, 159, 601, 4506T/8821.
• Pull Due Diligence reports for CAIVRS, SAM, OFAC, CIP, Flood certifications.
• Process 912 for clearance when necessary.
• Process INS verification when necessary.
• Orders Tax Transcripts and verify that the tax returns match the transcripts.
• Input, submit, and obtain SBA Loan approval through E-Tran.
• Submit loans to the USDA office for underwriting.
• Order and review all required third-party vendor reports - business valuations and environmental reports as well as coordinating with internal team members for ordering appraisals, in relation to the collateral to be held on the loan.
• Engaging counsel to work on loan file once internal approval has been received by Credit Administration.
• Be the point of contact between the lender, underwriter, customer, attorney and/or title company, and SBA and USDA offices as needed.
• Work with the Landlord for execution of the Lessor’s Agreement, Collateral Assignment of Lease, and any Amendments with the Lease Agreement.
• Work with the Franchisor for the Franchise Addendum and any Amendments needed to ensure compliance with SBA.
•  Work with the Jobber for the Jobber Supply Addendum and any Amendments with the Jobber Supply Agreement.
• Work with the Contractor to gather construction documents for the loan project and refer to the construction analysis team or third party.
• Review and verify the cash injection supporting documents.
• Verify all applicable fees have been collected from the borrower and loan proceeds disbursed according to the fee schedule
• Create a Port Number in FiServ for loan operations.
• Work with Borrowers, lenders, internal partners, vendors, Lender Service Provider (LSP), and attorneys, to ensure that SBA transactions move effortlessly and efficiently throughout the application and closing process. 

Compliance and Documentation:

Responsibilities:

• Work with the attorney and lender to prepare loan closing documents, including promissory notes, security agreements, and other necessary legal documents, in compliance with SBA and USDA guidelines and bank policies.
• Ensure all documents are compliant with SBA regulations, bank policies, and applicable laws.
• Review SBA Terms and Conditions, Title, and Closing documents to ensure it matches with the loan approval and documentation is in order before closing.
• Complete bank internal forms for closing: ACH Authorization, Online Banking, Privacy Notice, Beneficial Ownership Form, Agreement to Provide Insurance, Certificate of Financials, CAIVRS Disclosure.
• Prepare and review loan packages, including finalizing any necessary due diligence and ensuring all conditions have been met prior to closing.
• Verify accuracy of all documents and ensure proper signatures are obtained from borrowers, co-borrowers, and guarantors.
•  Work with legal counsel to resolve any legal issues that may arise during the closing process. 

Loan Disbursement:

Responsibilities:

• Complete the Loan Set Up Sheet accurately and coordinate with Loan Operations for loan closing and funding.
• Coordinate the disbursement of loan funds once the closing is complete.
• Ensure that the funds are disbursed in accordance with the terms of the loan agreement.
• Monitor loan closings to ensure timely disbursement and ensure proper documentation is retained for audit purposes. 

Problem Resolution:

Responsibilities:

• Identify and resolve any issues that may arise during the closing process, including missing documentation, discrepancies, or delays.
• Work with loan operations and the loan servicing team to ensure all post-closing requirements are met. 

Reporting and Recordkeeping:

Responsibilities:

• Work with loan operations to properly set up the new loan, review the new loan booked, and review ticklers that are set up for the loan
• Maintain accurate and up-to-date records of loan closings, including file documentation, loan status, and disbursement information.
• Ensure that all documents are properly filed and stored in compliance with the bank's record retention policies.
• Complete and finalize the 12 Tab and send it for Audit with LSP.
• Work with LSP to clear up any findings on the loan files audit.
• Follow up recorded documents with the closing attorney and ensure these are received and delivered to loan operations. 

Customer & Partner Service

Responsibilities:

• Provide excellent customer service by maintaining communication with borrowers and responding to inquiries related to the loan closing process.
• Assist in addressing borrower concerns and ensure a smooth and positive closing experience.
• Serve as a subject-matter expert for SBA and USDA lending, supporting internal teams and providing guidance to borrowers and partners.
• Ensure fast resolution of escalated loan issues while maintaining exceptional service standards.

Leadership & Team Development

Responsibilities:

• Communicates effectively with bank department managers/officers to ensure smooth workflow and positive working relationships.
• Stays abreast of system requirements, updates, and opportunities.
• Foster a high-performance culture centered on compliance, efficiency, and client satisfaction to provide high quality customer service to the borrowers and internal clients. 

Process Optimization

Responsibilities:

• Drive process automation, technology enhancements, and operational improvements for SBA and USDA programs.
• Standardize workflows for guaranteed lending operations to increase scalability and reduce risk.
• Stays abreast of system requirements, updates, and opportunities.

Education and Experience:

• High school diploma or equivalent; bachelor’s degree in finance, business, or related field preferred.
• Strong understanding of SBA and USDA loan products and regulations.
• 2+ years of experience in SBA loan closing or loan operations.

Skills and Abilities:

• Knowledge of SBA guidelines, loan documentation, and closing procedures.
• Excellent attention to detail and accuracy.
• Strong organizational and time management skills.
• Ability to effectively communicate with clients, attorneys, and internal stakeholders.
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook).
• Strong problem-solving abilities and abilities to work under pressure to meet deadlines.

Working Conditions:

Full-time position. This position is office-based with occasional remote work flexibility, if applicable. Position may require occasional travel.

Physical Requirements:

Ability to sit for extended periods and use a computer.
Occasional lifting of files or office materials (up to 20 lbs).

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.

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

• Ensure accurate and timely processing of basic teller transactions such as accepting deposits and loan payments, verifying cash and endorsements, cashing checks within approval limit or obtaining authorization as needed, issuing official checks, taking large commercial deposits, cash advances, etc.
• Balance daily work in accordance with established Bank policies and procedures.
• Handle proportionate volume of work based on banking office demands to include WebCapture.
• Resolve customer issues and problems in a professional manner or refer to appropriate staff to guarantee customer satisfaction and retention.
• Support team sales process by identifying and acting upon customer needs or by making the appropriate referral.  Participate in team and individual sales goals.
• Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.
• Opportunity for cross-training for Customer Service Representative and Teller Supervisor functions.

• High school diploma or equivalent required.
• Cash handling experience preferred.
• Effective oral and written communication skills.
• Excellent customer service and interpersonal skills.
• Demonstrate willingness and desire to interact in a team environment.
• Ability to prioritize and multi-task.
• Ability to compute basic to moderately complex math calculations.
• Basic problem-solving and analytical skills.
• Ability to interpret and follow a variety of instructions furnished in written, oral, diagram, or schedule form.
• Proficiency in using personal computers and office products (e.g., Word, Excel).

This position will be approximately 22 hours per week.

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

 The Senior GGL Business Development Officer will drive growth and business opportunities by developing and maintaining relationships with key stakeholders, including small business owners, financial institutions, and community organizations. This position requires a deep understanding of Small Business Administration (SBA) and USDA products and services, as well as the ability to analyze market trends and identify opportunities to shape the future of the company's GGL lending portfolio.

·   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.

·   Develop and implement strategic plans, such as marketing strategies and client acquisition plans, to increase GGL loans, deposit origination, and market share.

·   Educate small business owners about GGL loan products, eligibility requirements, and the application process.

·   Prepare and present proposals to potential clients, ensuring a thorough understanding of their business needs and how GGL products can meet them.

·   Prepare and present loan requests to credit administration and management.

·   Assume ownership of customer problems to achieve resolution.

·   Prepare reports and presentations for management on business development activities, results, and market insights.

·   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. This includes referrals to other lines of business, such as FCFC and Mortgage.

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

·   Build and maintain relationships with small business owners, including outreach to prospective clients and networking within the community.

·   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).

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

The Business Services Associate is responsible for delivering support to Business Services customers and assists the Business Services Consultants with preparing agreements and implementation documents, reporting and special projects. 

·   Be proficient in the following products and services:

•  Business DDAs
•  Business Services products – Business Online Banking, Business Mobile Banking, ACH, wire, remote deposit, Positive Pay, etc.

·   Internal support contact person for Business Services customers. Providing high-level customer support, product troubleshooting and training. Liaison between customer and other back-office departments for in-depth research and solutions.

·   Prepares agreements and implementation packages based on information provided by Business Services Consultants.

·   Manages customer self-assessments process, service implementation schedule and performs review of service implementation and limits for accuracy.

·   Maintains database of client lists, limits, conduct purged customers review, etc. for the Business Services department.

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

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

·   Banking knowledge or expertise. Understanding of banking products, regulations, processes.

·   Ability to multi-task and support cross-functional teams. Must be able to provide support to internal business partners.

·   Effective oral and written communication skills.

·   Must possess general problem solving, analytical and research skills. Ability to interpret written and oral instructions.

·   Attention to detail, well organized, proactive and self-starter.

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

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.