Become A Banking Associate

* Processes a variety of customer transactions accurately and efficiently in adherence to bank policies and regulations such as cashing checks, processing deposits and withdrawals, loan payments, cash advances, transfers, and issuing monetary instruments.
* Performs opening, closing, and other branch servicing duties such as cash and vault balancing; ordering cash, cards, checks and other supplies; completing logs, reports, audits and control checks; maintaining and servicing automated teller machines; and cleaning work areas.
* Opens and performs account maintenance on certificate of deposit, consumer and business accounts; assists with courtesy and collection calls as needed; seeks assistance from more knowledgeable branch staff when necessary.
* Addresses customer questions and concerns by phone and in person; files disputes or refers to appropriate internal resources for resolution as appropriate.
* Proactively seeks ways to develop and expand customer relationships through marketing displays, call programs, and other prospecting techniques.
* Achieves personal sales and referral goals by identifying, marketing, and cross-selling banking products and services beneficial to customer needs.
* Enhances customer satisfaction and the professional reputation of the Bank by warmly greeting, engaging, and developing good professional relationships with customers and host retail partners.
* Practices branch security procedures and protects customer confidentiality and privacy.
* Performs other job related duties or special projects as assigned

* Prepares ELARs, obtains needed approvals, and submits to Commercial Loan Servicing
* Reviews loan documentation for accuracy and completeness prior to execution
* Submits completed loan documentation to CLS and manages the booking process
* Processes real estate documentation including title work, recording, and insurance
* Clears documentation exceptions
* Processes daily overdraft approval and fraud verification
* Updates, maintains, and records receipt of financial documents and tracks next due date
* Skilled at Excel, Word, PowerPoint, ELAR, BDEV, CRISP, Shaw, CAC, and Branch Connections

* Prepare and manage the flow of all standard credit applications.
* Handle all wire transfers, overdrafts, account maintenance, and routine compliance.
* Maintain direct client contact resolving all day-to-day inbound questions and concerns in a one-on-one environment.
* Partner with Commercial Banking, Business Banking, Wealth Management and Retail Banking to coordinate service to clients referred by these key groups.
* Gather, analyze, and process financial information, collateral documentation, disclosures, proof of insurance, etc.
* Responsible for ensuring that all closing deadlines and agreed to expectations established by the client or bank employees are met
* Ensure proper account positioning and look for cross-sale opportunities and other revenue opportunities.
* Maintain Customer Relationship Management (CRM) reporting and tracking.
* Special projects as assigned by management

* Plan and conduct examinations to evaluate the legal and compliance risk management practices and determine compliance with relevant laws and regulations which may include laws and regulations covering anti-money laundering (AML) such as the Bank Secrecy Act (BSA) and the requirements of Office of Foreign Assets Control (OFAC);
* Assess the quality and effectiveness of an institution’s compliance programs in relation to the inherent risks of the institution, supervisory expectations, and sound practices; such assessment may include the quality and effectiveness of an institution’s BSA/AML and OFAC compliance programs;
* Present findings to Federal Reserve and bank management and produce reports, memoranda and work papers in support of findings conforming to Federal Reserve expectations;
* Develop a comprehensive understanding of laws and regulations pertinent to corporate compliance expectations of the largest and most complex financial institutions which may include laws and regulations pertinent to AML, OFAC and other sanctions;
* Develop a strong familiarity with pertinent literature used by industry practitioners;
* Develop subject matter expertise in the identification and management of risks posed by individual business lines, products, or services;
* Participate in or lead other Compliance Risk Department examinations and special projects, perform analyses, and assist in the development of supervisory policy, as needed;
* Collaborate with other regulatory agencies and with internal Federal Reserve stakeholders, such as legal and supervisory personnel; and
* Depending on experience, lead and manage individuals and projects; provide meaningful performance feedback, and provide training and coaching to junior examiners

* Create a memorable customer experience by proactively building, maintaining, and growing relationships in a assigned book of business through various communication channels
* Use of a consultative approach with current or prospective customers to uncover and identify their needs while tailoring recommendations/solutions
* Maintain a well-developed, working knowledge of products, services, and processes offered
* Work collaboratively with internal partners to ensure customer's needs are met
* Analyze customer credit data and other related financial information to ensure customers are in the appropriate solutions that align with their needs
* Follow the Bancorp Code of Business Conduct and Ethics and other related policies, modeling the ethical behavior expected from every employee within the Bancorp
* Other duties as assigned
* MINIMUM KNOWLEDGE