Carter Bank & Trust jobs - 25 jobs

The Branch Manager develops, expands, and maintains business relationships with customers while providing oversight and accountability for branch associates, ensuring financial performance, customer satisfaction, and adherence to branch policies and procedures. Demonstrates leadership competency and models skills and behaviors that produce high-performing teams. ESSENTIAL JOB FUNCTIONS: Lead, manage, and develop a branch team of direct reports with low to moderate complexity and risk in retail banking branch Drive branch revenue for a branch with low to moderate core deposit and loan balances through consumer and small business relationship development and new customer strategies; Drive the branch core deposit and loan growth through face to face appointments with customers, outbound calling, and participating on external business development calls with other partners Participate in market, civic, government, professional, business, community affairs, associations and groups to prospect and develop new business through community involvement and build the Carter Bank brand Demonstrate and provide oversight to assure the effective and consistent application of retail operating model defined behaviors, skills, and tools Actively participate in executing the branch's strategic plan to grow core deposits and loans, fee income Oversee branch associate action planning, sets expectations, and assesses performance Maintain a high level of employee morale to minimize turnover and maximum customer service satisfaction Responsible for ensuring deposit and loan growth to obtain the bank's growth objectives by promoting the bank's products and services. Oversee the quality of consumer and business products sales and servicing Effectively identify and submit quality referrals to branch associates, internal partners (mortgage, community banking, treasury services, etc.), and vendor partners (credit card, merchant services, insurance, etc.) Oversee the quality of customer service and relationship management actions and decisions Consistently deliver exceptional customer experiences Assure safety and wellness standards are in place and practiced consistently and effectively Responsible for branch operations effectiveness by setting expectations for all branch associates Oversee adherence to the bank and regulatory policies and procedures Assure systems and facilities are maintained Collaborate with internal partners to identify areas of opportunities and areas of improvements Effectively respond to issues, errors and complaints Demonstrate and oversee the effective and consistent application of performance and talent management processes Consistently demonstrate adaptability and serve in the tradition of care for which CB&T is known, modeling skills and behaviors defined in the retail imperatives Responsible for originating consumer and small business lending, for existing and new customers Assist customers to identify appropriate lending and deposit product solutions, completing the deposit opening process, loan application, and closing the loan. Work with Retail Credit staff to review complicated transactions, structure loans, and loan exceptions Review reports outlined in toolkit and cadence relating to production, HR, Branch Operations, Retail Operations, Relationship Management Responsible for processing override approvals for transactions as needed Responsible for onboarding new associates with planning, oversight, and training Coach and mentor branch associates JOB REQUIREMENTS: High school diploma or equivalence required, associate's or bachelor's degree in business, finance, accounting, or equivalent field preferred Previous experience in a financial institution or similar professional or retail services industry required Successful customer service and sales experience required Proven leadership capability in a prior position required Successful account/relationship management experience required Successful operations experience a plus KNOWLEDGE/SKILLS REQUIRED: Excellent customer service and sales skills Detailed oriented, must be able to multi-task Strong verbal and written communication skills Ability to perform effectively in a fast-paced environment Strong Leadership skills to manage and supervise associates and lead by example Basic skills in Word, Excel, and PowerPoint Strong computer skills Knowledge of banking products and services Ability to execute strategic plans Advanced math and accounting skills a plus PHYSICAL AND MENTAL QUALIFICATIONS: Sitting, standing, walking to the terminal, and occasional stooping Requires lifting bags and/or tray of coins and bills periodically May require working outside designated branch hours to meet business needs Travel with occasional overnight travel required The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

Requirements QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the physical/mental demands, work environment, knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE High school graduate, three to five years of branch experience. Good keyboarding skills and the ability to work calculator and computer. Excellent communication and interpersonal skills. Demonstrated leadership ability with effective supervisory skills and the ability to meet and deal with the public in sales and problem solving situations. Fully experienced in two areas of the branch: Teller, Customer Service Representative or Loan Secretary and fully knowledgeable of branch support functions. KNOWLEDGE, SKILLS AND ABILITIES Must be fully knowledgeable in the responsibilities of head teller or Customer Service Representative as described in the job description Ability to multitask and work efficiently and accurately in an atmosphere of frequent interruptions Position demands a person with an outgoing and pleasant personality with an above average knowledge of bank branch operations. MENTAL/PHYSICAL DEMANDS/WORK ENVIRONMENT May require standing and/or sitting for extended periods of time, bending and frequent getting up and down from a sitting position. May be required to lift and carry up to 50 pounds in the form of computer paper, cash drawer or other items. Must be able to concentrate for extended periods of time paying attention to detail and be able to multitask Salary Description $20.00

Summary: Examines, evaluates, and authorizes or recommends approval/denial of Dealer loan applications. Communicates with dealerships on a regular basis. Works closely with Dealer Finance lenders and support staff. Supports and coordinates with Collections Department and other internal bank departments. Essential Duties: · Review and evaluate loan applications received from Dealers · Analyze applicant financial information, credit reports, cash flow, collateral evaluations to determine credit worthiness · Ensure credit and collateral documentation is complete, accurate and in compliance with lending regulations · Exercise discretion and sound judgement in credit decision process · Direct communication with Dealers to approve and/or decline loan applications · Review Dealer loan packages for completeness or missing documents · Communicate with Dealers to correct document errors or missing documentation · Maintain, develop, and expand on current Dealer relationships · Service new and existing loan customers · Monitor loan portfolio to identify trends or problems in a timely manner · Assist Collections Officer in the collection of delinquent loans · Prepare daily and monthly reports for management review · Monitor Collateral Management system and take appropriate action as needed · Process collateral releases on paid off loans · Process and document declined and withdrawn loan applications · Perform other duties as required Non-Essential Duties: • Participates in Bank-sponsored and other community/civic events. • Performs other duties as assigned. Supervisory Responsibilities: · This position has no supervisory responsibilities. Other Duties: This job description is not designed to be an exhaustive list of duties. Duties, responsibilities, and activities may change at any time with or without notice. Bank wide Expectations: · Stays current, maintains knowledge of, and complies with all F & M products and services and policies and procedures. · Maintains organized files and a neat and orderly work area and secures all negotiable and/or confidential records. · Protects the bank's and customers' information; knowledge of customers and their relationship with the Bank must be kept in absolute confidence. · Displays a positive, cooperative spirit; professionalism; and a responsible attitude to staff and customers always. · Leads by example while being a team player. · Participates in Bank-sponsored and other community/civic events as schedule allows. · Represents F & M Bank professionally and courteously while in contact with the public either in person or by telephone. · Pursues personal development opportunities to improve knowledge as it relates to position, compliance, and the bank in general. Requirements Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Knowledge, Skills, and Abilities • Ability to communicate effectively orally and/or in writing. • Ability to respond to sensitive inquiries. • Ability to define problems, collect data, establish facts, and draw valid conclusions. • Ability to prioritize and meet deadlines. • Ability to work with limited supervision. • Ability to work with and maintain confidential information. • Proficient organizational skills with ability to function in a flexible work environment. • Proficient in MS Excel and Word. · Professionalism in dealing with customers and fellow employees. Education and/or Experience (Required and Preferred) Preferred: · A minimum of two years' related experience or equivalent combination of education and experience. Required: · A minimum of six months related experience or equivalent combination of education and experience. Certificates, Licenses, and Registrations: · Current driver's license to travel to other bank branch locations and other bank-related travel. Physical and Mental Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. · The employee regularly sits and uses hands to finger, handle, or feel objects, tools, or controls. · The employee frequently is required to talk or hear. · The employee is occasionally required to stand, walk, reach with hands and arms, stoop, kneel, or crouch. · The employee must regularly lift and/or move up to 10 pounds and may occasionally lift up to 50 pounds. · Specific vision abilities required include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. Work Environment: · Work is primarily performed in an office setting where the noise level is usually moderate. · This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Position Type/Hours: This is a exempt position working Monday - Friday, 8:30 a.m. - 5 p.m. with overtime as necessary. Travel: Occasional travel primarily within the Bank's market areas during the business day with occasional out-of-area and overnight travel. Salary Description 55,000 - 65,000

Business Bankers develop and maintain an active prospect list, customer outreach plan, and quality referral sources for companies, on average, between $1-$10MM in annual revenues. They are the primary contact for borrowing needs and provide subject matter expertise for deposit and cash flow management. Business Bankers work with various internal partners to build and manage full banking relationships. ESSENTIAL JOB FUNCTIONS: Make a significant impact by contributing to the growth of the bank through business loans, deposits, and fee income Leverage your network and centers of influence to engage with local business owners and companies to develop business lending opportunities Work with clients to identify their financial goals and find ways of reaching those goals Be part of a collaborative team with various bank partners to support and deepen the full client relationship Represent the bank in the community by attending and participating in civic, community, and networking events Analyze applicants' semi-complex financial status, credit, and collateral to determine creditworthiness of prospective loans Engage in an efficient loan approval process with open communication and exposure to credit partners Actively and consistently manage large loan portfolio to ensure appropriate risk management and enhance customer experience JOB REQUIREMENTS: High school diploma or equivalent required, Bachelor's degree in business, finance, accounting, or related field preferred Business development experience required Prior experience in business lending and/or credit required KNOWLEDGE/SKILLS REQUIRED: Intermediate financial analysis and credit underwriting skills Intermediate knowledge of business lending, deposit and cash management solutions Intermediate ability to provide financial guidance and expertise Intermediate knowledge of sales planning and forecasting Excellent customer service and problem solving skills Strong verbal and written communication skills Ability to perform effectively in fast-paced environment and meet deadlines Knowledge of Microsoft Office products, especially Word and Excel PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 10 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

The Credit Systems Administrator is responsible for data entry and quality assurance of information critical to the performance measurement of Carter Bank's commercial lending practice. This information content drives management's perception of individual and portfolio performance and is utilized in critical strategic decisions. This position is also responsible for maintaining and continuously improving the structure and reporting process for various data sources related to the position. ESSENTIAL JOB FUNCTIONS: Oversees the integrity of data tracked on Abrigo/Sageworks systems Works with multiple departments to review the structure, content, and quality of system-generated reports, maintains the correct data, and conducts reporting Streamlines current processes and reports, and works on various special projects to improve the department's efficiency as it pertains to information systems Aids in the structure and reporting of, but not limited to, the Production, Policy Exceptions, Financial Exceptions, Covenants, Criticized Assets, Annual/Semi-Annual Reviews, Appraisals, Allowance for Loan and Lease Losses (ALLL), Impaired Worksheets (IW), Troubled Debt Restructurings (TDR), and Changes in Criticized and Non-Accrual Loans Acts in the capacity of administrator on various platforms Runs daily, monthly, quarterly, and semi-annual reports Analyzes, deletes, and append records for consistent information Reviews and analyzes database error logs after daily and periodic imports Analyzes and runs tests for better generation for financial statement information and reports Creates and runs verification reports to append records for ticklers, duplicate clients, and various other pieces of information for core systems and support systems May be tasked to lead routine Credit Systems area projects and update management on status JOB REQUIREMENTS: Associates Degree or equivalent work experience required Prior experience in lending/credit, report writing, core systems(s) or related activities required KNOWLEDGE/SKILLS REQUIRED: Basic credit analysis skills Intermediate analytical skills Advanced verbal and written communication skills Intermediate time management skills Intermediate attention to detail Intermediate problem-solving skills Intermediate organizational skills Basic technical proficiency Basic proficiency with Microsoft Office Basic mathematical skills Basic knowledge of credit administrative procedures, commercial lending practices, loan structures, regulations, risk assessment, products, data structures and reporting PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 10 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Qualifications: Bachelor's degree in Finance, Accounting, Economics, or related field, preferred. 2 years of experience in commercial credit analysis or commercial banking required. 5+ years of experience in commercial credit analysis or commercial banking preferred. Strong written and verbal communication skills. Strong financial and credit analysis skills with attention to detail. Proficient in Microsoft Excel and financial spreading software. Knowledge of regulatory guidelines and lending best practices. Team player with the ability to work independently and manage multiple priorities meeting deadlines. Ability to work with and maintain confidential information. Ability to travel to other bank branch locations or customers' place of business. Physical and Mental Demands: The employee regularly sits and uses hands to finger, handle, or feel objects, tools, or controls. The employee frequently is required to talk or hear. The employee is occasionally required to stand, walk, reach with hands and arms, stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds. Specific vision abilities required include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. The noise level in the environment is usually moderate. Position Type/Hours: This is a full-time position generally working Monday - Friday, 8:30 a.m. - 5 p.m. with additional hours as needed to accomplish job responsibilities.

The Application Delivery Analyst provides application maintenance and support to minimize service disruption and simplify operations. This position investigates and resolves issues with software applications by diagnosing root causes. An Application Delivery Analyst must have a solid understanding of technical applications, operating systems, computers, and applications software. ESSENTIAL JOB FUNCTIONS: Provide end user support for core applications Identify and document user and system issues Assist in the maintenance of applications and test environments, including 24×7, high-availability systems Conduct application testing, build test scripts, support client application testing, and collect and summarize test data Coordinate project activities with bank personnel Produce organized and informative system documentation, including details of application configuration and installation and infrastructure Train users on applications and help them resolve application issues JOB REQUIREMENTS: Bachelor's degree preferred, Associate's degree acceptable with related work experience Experience installing, configuring or supporting business applications with a track record of career growth and skill development Experience with some programming languages and willingness/ability to learn Comfortable working directly with end users KNOWLEDGE/SKILLS REQUIRED: Ability to create organized and informative reports, as well as comprehensive and accurate documentation Excellent customer service skills Strong verbal and written communication skills Ability to perform effectively in fast-paced environment Knowledge of Microsoft Office, especially Excel Attention to detail PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 10 pounds May be asked to work supplemental hours periodically The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Knowledge, Skills, and Abilities Strong knowledge of GAAP and bank-specific accounting practices. Knowledge of automated general ledger environment. Familiarity with regulatory reporting requirements and examiner expectations. Possess effective interpersonal skills to relate to all audiences. Proficient organizational skills with ability to function in a flexible work environment. Excellent pc skills to include MS Office products with experience in Word and Excel. Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, governmental regulations, and financials. Ability to communicate effectively orally and/or in writing. Ability to respond to questions from all audiences. Ability to calculate figures and amounts for all bank financials. Ability to respond to sensitive inquiries. Ability to concentrate for extended periods of time with attention to detail. Ability to prioritize and meet deadlines. Ability to work independently with limited supervision. Ability to work with and maintain confidential information. Ability to maintain composure under pressure. Education and/or Experience Bachelor's degree in accounting, Finance, or related field. A minimum of seven years' related accounting experience or equivalent combination of education and experience. Experience with financial institutions' audits and preparation of bank regulatory and SEC reports preferred but not required. Supervisory experience preferred. Certificates, Licenses, and Registrations: CPA license preferred but not required. Physical and Mental Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The employee regularly sits and uses hands to finger, handle, or feel objects, tools, or controls. The employee is frequently required to talk or hear. The employee is occasionally required to stand, walk, reach with hands and arms, stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds and may occasionally lift up to 50 pounds. Specific vision abilities required include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. Work Environment: Work is primarily performed in an office setting where the noise level is usually moderate. This role routinely involves standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Position Type/Hours: This is a full-time, exempt level position working Monday - Friday with other days and hours as necessary to accomplish duties. Travel: Minimal travel required; primarily office-based with occasional local travel.

The Mortgage Loan Originator (MLO) is responsible for soliciting, structuring and closing 1-4 family real estate loans as well as developing new mortgage loan business. The MLO develops a plan for collaborating with assigned bank branches to cause quality mortgage loan referrals. Additionally, the MLO develops an external network of Realtor, builder, and other referral partners. The MLO takes loan applications, collects relevant loan documentation and ensures that borrowers receive a quality origination experience. The MLO represents the bank in the local community through active involvement in key trade and other groups such as Realtor associations. ESSENTIAL JOB FUNCTIONS: Source and develop loans for residential real estate and new construction lending, both internally and externally Collaborate with bank Branch Managers to establish a referral plan and system Conduct regular training, share best practices and successes Conducts loan interview with borrowers to understand their needs and match suitable loan solutions Take applications, collect documentation and run ratio and other calculations Complete necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner Submit complete loan files to underwriting Maximize bank profitability through appropriate pricing of new loan originations and fee income. Work with loan team to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured Support the bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge Build and maintain positive relations with all customers, potential customers and co-workers Perform as a team member in allocating and coordinating the work flow Contribute to the fulfillment of department and company objectives and goals to include looking for other banking relationship opportunities with borrowers Comply with all department and company policies, procedures and regulations JOB REQUIREMENTS: High school diploma or equivalence required Must have prior mortgage origination experience Must be goal oriented and able to meet loan production objectives Able to maintain NMLS registration and /or licensing status KNOWLEDGE/SKILLS REQUIRED: Knowledge of mortgage loan origination, underwriting, processing, documentation, and post closing review Knowledge of both portfolio and secondary market loan origination programs and guidelines to include conventional, FHA, VA, USDA, and Jumbo loan programs Knowledge of the appraisal process, title insurance process, and loan closing process. Proven credit analysis skills Knowledge of state and federal lending and compliance regulations and bank lending policies Excellent organization and time management skills Experience with originating loans using Loan Origination Systems Intermediate math skills, ability to calculate interest, commissions, proportions, debt-to-income ratios, loan to values Excellent customer service skills, attentiveness, and information retention Must be a proficient communicator and listener, as well as strong organizational skills Must possess excellent relationship-building and sales skills PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 10 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

As a Financial Services Representative, you are stepping into a dynamic role that blends customer interaction and providing financial expertise. The FSR role allows you to be the first point of contact for customers where you'll guide them through their banking needs with a proactive and personalized touch. Whether handling every-day transactions, educating on self-service options, helping with basic banking needs, or routing customers to the appropriate next step, you will be building relationships with customers to improve their financial well-being day in and day out. ESSENTIAL JOB FUNCTIONS: Provides a range of customer services including transaction processing, customer and account servicing, opening new accounts and products, and referring to partners Delivers exceptional customer experience through every customer interaction by proactively engaging customers to build relationships through meaningful conversation, asking relevant questions, responding to and anticipating needs, and delivering on solutions that earn the customer's trust Proactively identifies basic customer needs and generates high-quality referrals to branch associates, internal partners, and external vendor partners to support the customer's financial goals Utilizes bank resources to assist with the resolution of basic or common account/customer issues and escalates unresolved issues for further research while providing clear, accurate answers and timely solutions Contributes to the efficient and effective operation of a well-run branch by adhering to established processes and guidelines in daily work while doing what is right for the customer and adhering to all applicable compliance directives (policies, procedures, rules, and regulations) Actively participate in and support the bank's strategic plan to grow all aspects of the retail bank's business Meet or exceed sales goals through targeted sales activities, identifying customer needs, and offering appropriate products and services Owns their career development by consistently working to sharpen existing skills while learning new ones through assigned and self-sourced training, branch coaching and observations, and taking advantage of other learning opportunities as they arise Actively attends and participates in bank sponsored events and works to enhance the visibility of the bank and contribute to the growth and acquisition of new customers JOB REQUIREMENTS: High school diploma or equivalence required, some college a plus Successful customer service and /or sales experience required Previous experience in a retail bank or related industry preferred Prior cash handling experience preferred KNOWLEDGE/SKILLS REQUIRED: Intermediate customer service skills Intermediate verbal, written, and listening skills Basic problem solving skills Intermediate collaboration skills Basic understanding of banking products and services Intermediate adaptability skills Basic prioritization skills Basic proficiency with MS Office Basic critical thinking skills PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 25 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

The Portfolio Manager plays a critical role in overseeing the performance and quality of the bank's loan portfolio. This position combines portfolio management, credit analysis, loan authority, and staff training to ensure the loan portfolio is managed timely and the lending and credit staff upholds the Bank's credit culture through sound lending practices and regulatory compliance. The ideal candidate will be a strategic thinker with strong leadership and analytical skills, with a background in credit analysis. Essential Duties: Manage assigned loan portfolio by working collaboratively with Market Executives to ensure timely credit decisions, i.e., loan renewals, annual relationship reviews, and loan modifications. Review and approve commercial loan requests using delegated authority. Conduct credit analysis and underwriting for new loans, renewals, and modifications. Collaborate with Commercial Relationship Managers to structure deals that align with bank policy and risk appetite. Participate in loan committee meetings and present credit recommendations. Train credit analysts on underwriting standards, financial analysis, and regulatory compliance. Prepare monthly and quarterly reports on portfolio performance, asset quality, and risk trends. Conduct stress testing and industry analysis to identify emerging risks. Supervisory Responsibilities: Manages the overall direction, coordination, and evaluation of a team of credit analysts. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, coordinating training for new hires, planning, assigning, directing work, rewarding, disciplining employees, performance reviews, and addressing complaints and resolving problems. Other Duties: This job description is not designed to be an exhaustive list of duties. Duties, responsibilities, and activities may change at any time with or without notice. Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Knowledge, Skills, and Abilities · Ability to communicate effectively orally and/or in writing. · Ability to read, analyze, and interpret complex financial documents. · Ability to perform duties using credit analysis software. · Ability to work with and maintain confidential information. · Ability to lead and develop a diverse group of subordinates. · Possess effective interpersonal skills to relate to customers and employees. · Proficient organizational skills with the ability to function in a flexible work environment. · Proficient skills in MS Excel, Outlook, and Word. Education and/or Experience (Preferred) · A bachelor's degree in Accounting, Business Administration, Finance, or other related field. · Three - five years of related experience or equivalent combination of education and experience. · Prior supervisory experience preferred. Physical and Mental Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Position Type/Hours: This is a full-time, exempt level position working Monday - Friday with other days and hours as necessary to accomplish duties. Travel: Travel is primarily within the Bank's market areas during the business day with occasional out-of-area travel for continuing educational opportunities. Salary Description $80,000 - 120,000

This position is responsible for assisting the Branch Manager and Assistant Branch Manager in the day-to-day operations of the branch keeping within the framework of Farmers & Merchants goals, policies and procedures. Answers questions in the office during the absence of the Branch Manager and Assistant. Provide leadership in product knowledge, analysis of customers needs and promote bank services and products. Provide quality service to all customers. Experienced in two branch and operations functions. Utility person to float as needed. Assist in the development of knowledgeable and capable employees. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Assist management in the day-to-day operations of the branch being knowledgeable in all areas in order to make decisions during the absence of the branch manager. Keep management informed on all situations. Stay current, maintain superior knowledge and comply with all Farmers & Merchants products and services, policies and procedures. Aggressively identify and pursue prospects for new business development through the referral program of the branch. Apply necessary selling and cross-selling skills to the products and services offered by the Bank so as to produce new business from existing and new customers. Make referrals to other product areas (investment, mortgage, etc.) and document on referral track. Achieve individual referral goals. Strive at all times to provide superior customer service. Focus on the customer at all times by smiling, calling the customer by name and thanking them as they leave. Resolve customer problems and assist customers and staff in answering operational questions in an efficient and courteous manner. “Own the problem or concern.” Proficient in two areas, Head Teller, Customer Service Representative II, or Loan Secretary with all responsibilities of one of these positions. Fully trained and experienced in two areas to service as the utility float when needed. Fully trained in all branch support functions. Be familiar and provide information about a wide variety of bank products and services. Analyze customer needs and encourage bank services. Ensure that good customer service is provided in the Branch. This may involve opening accounts and working a teller window when needed. OTHER DUTIES AND RESPONSIBILITIES: Assist in answering incoming telephone calls for the branch always being prompt and courteous providing quality customer service. Transfer calls promptly, takes and delivers messages. Display at all times a positive cooperative spirit, professionalism and a responsible attitude to staff and customers. “Lead by example while being a team player.” Maintain a neat and orderly work area and ensure that all negotiable and confidential information is properly secured. Protect the Bank and customer information; knowledge of customers and their relationship with the Bank must be kept in absolute confidence. Represent Farmers & Merchants Bank professionally and courteously while in contact with the public either in person or by telephone. Community involvement encouraged. Contacts customers and business, community, and civic organizations to promote goodwill and generate new business. Performs other duties as assigned in order to meet the branch/bank needs. SUPERVISORY RESPONSIBILITIES Assist management in the cross-training of staff and staff sales development activities. Confer and participate with the branch manager in resolving routine personnel issues. Requirements QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the physical/mental demands, work environment, knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE High school graduate, three to five years of branch experience. Good keyboarding skills and the ability to work calculator and computer. Excellent communication and interpersonal skills. Demonstrated leadership ability with effective supervisory skills and the ability to meet and deal with the public in sales and problem solving situations. Fully experienced in two areas of the branch: Teller, Customer Service Representative or Loan Secretary and fully knowledgeable of branch support functions. KNOWLEDGE, SKILLS AND ABILITIES Must be fully knowledgeable in the responsibilities of head teller or Customer Service Representative as described in the job description Ability to multitask and work efficiently and accurately in an atmosphere of frequent interruptions Position demands a person with an outgoing and pleasant personality with an above average knowledge of bank branch operations. MENTAL/PHYSICAL DEMANDS/WORK ENVIRONMENT May require standing and/or sitting for extended periods of time, bending and frequent getting up and down from a sitting position. May be required to lift and carry up to 50 pounds in the form of computer paper, cash drawer or other items. Must be able to concentrate for extended periods of time paying attention to detail and be able to multitask Salary Description $20.00

The Mortgage Loan Originator (MLO) is responsible for soliciting, structuring and closing 1-4 family real estate loans as well as developing new mortgage loan business. The MLO develops a plan for collaborating with assigned bank branches to cause quality mortgage loan referrals. Additionally, the MLO develops an external network of Realtor, builder, and other referral partners. The MLO takes loan applications, collects relevant loan documentation and ensures that borrowers receive a quality origination experience. The MLO represents the bank in the local community through active involvement in key trade and other groups such as Realtor associations. ESSENTIAL JOB FUNCTIONS: Source and develop loans for residential real estate and new construction lending, both internally and externally Collaborate with bank Branch Managers to establish a referral plan and system Conduct regular training, share best practices and successes Conducts loan interview with borrowers to understand their needs and match suitable loan solutions Take applications, collect documentation and run ratio and other calculations Complete necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner Submit complete loan files to underwriting Maximize bank profitability through appropriate pricing of new loan originations and fee income. Work with loan team to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured Support the bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge Build and maintain positive relations with all customers, potential customers and co-workers Perform as a team member in allocating and coordinating the work flow Contribute to the fulfillment of department and company objectives and goals to include looking for other banking relationship opportunities with borrowers Comply with all department and company policies, procedures and regulations JOB REQUIREMENTS: High school diploma or equivalence required Must have prior mortgage origination experience Must be goal oriented and able to meet loan production objectives Able to maintain NMLS registration and /or licensing status KNOWLEDGE/SKILLS REQUIRED: Knowledge of mortgage loan origination, underwriting, processing, documentation, and post closing review Knowledge of both portfolio and secondary market loan origination programs and guidelines to include conventional, FHA, VA, USDA, and Jumbo loan programs Knowledge of the appraisal process, title insurance process, and loan closing process. Proven credit analysis skills Knowledge of state and federal lending and compliance regulations and bank lending policies Excellent organization and time management skills Experience with originating loans using Loan Origination Systems Intermediate math skills, ability to calculate interest, commissions, proportions, debt-to-income ratios, loan to values Excellent customer service skills, attentiveness, and information retention Must be a proficient communicator and listener, as well as strong organizational skills Must possess excellent relationship-building and sales skills PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 10 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

Description: The Controller is responsible for the overall integrity, accuracy, and timeliness of the Bank's accounting and financial reporting functions. This role oversees general ledger operations, financial statement preparation, regulatory reporting support, internal controls, and accounting policy compliance. The Controller ensures adherence to GAAP, banking regulations, and internal governance standards while supporting strategic financial planning and operational decision-making. Essential Duties: Financial Accounting & Reporting Direct and manage the Bank's general ledger, month-end, and year-end close processes. Prepare and review accurate and timely financial statements in accordance with GAAP. Ensure consistency and accuracy across internal and external financial reports, disclosures and related analyses. Oversee accounting for loans, accounting for credit losses, investments, deposits, borrowings, fixed assets, equity, and share-based compensation. Regulatory & Compliance Support Support preparation and review of regulatory financial schedules and call report data. Ensure accounting practices align with applicable federal and state banking regulations. Partner with Compliance and Risk Management to address examiner inquiries related to accounting and financial reporting. Internal Controls & Governance Maintain and enhance internal accounting controls to safeguard Bank assets. Ensure compliance with internal control frameworks and audit standards. Document and maintain accounting policies and procedures. Audit & Examiner Coordination Serve as a primary liaison for internal and external auditors related to accounting matters. Coordinate audit schedules for the department, provide required documentation, and respond to audit findings. Support management's remediation of audit and examination issues. Leadership & Team Management Lead, coach, mentor, and develop accounting staff to ensure operational excellence and succession planning. Promote a culture of accountability, accuracy, and continuous improvement. Evaluate staffing levels, workflows, and systems to optimize efficiency. Strategic & Operational Support Partner with the CFO on budgeting, forecasting, and financial analysis. Provide accounting guidance on new products, services, and strategic initiatives. Support system conversions, process improvements, and automation efforts. Supervisory Responsibilities: Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws to include recruitment and hiring, coordinating training for new hires, assigning and directing managers as needed, appraising performance, rewarding and disciplining employees, addressing complaints and resolving problems. Other Duties: This job description is not designed to be an exhaustive list of duties. Duties, responsibilities, and activities may change at any time with or without notice. Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Knowledge, Skills, and Abilities Strong knowledge of GAAP and bank-specific accounting practices. Knowledge of automated general ledger environment. Familiarity with regulatory reporting requirements and examiner expectations. Possess effective interpersonal skills to relate to all audiences. Proficient organizational skills with ability to function in a flexible work environment. Excellent pc skills to include MS Office products with experience in Word and Excel. Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, governmental regulations, and financials. Ability to communicate effectively orally and/or in writing. Ability to respond to questions from all audiences. Ability to calculate figures and amounts for all bank financials. Ability to respond to sensitive inquiries. Ability to concentrate for extended periods of time with attention to detail. Ability to prioritize and meet deadlines. Ability to work independently with limited supervision. Ability to work with and maintain confidential information. Ability to maintain composure under pressure. Education and/or Experience Bachelor's degree in accounting, Finance, or related field. A minimum of seven years' related accounting experience or equivalent combination of education and experience. Experience with financial institutions' audits and preparation of bank regulatory and SEC reports preferred but not required. Supervisory experience preferred. Certificates, Licenses, and Registrations: CPA license preferred but not required. Physical and Mental Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The employee regularly sits and uses hands to finger, handle, or feel objects, tools, or controls. The employee is frequently required to talk or hear. The employee is occasionally required to stand, walk, reach with hands and arms, stoop, kneel, or crouch. The employee must regularly lift and/or move up to 10 pounds and may occasionally lift up to 50 pounds. Specific vision abilities required include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. Work Environment: Work is primarily performed in an office setting where the noise level is usually moderate. This role routinely involves standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Position Type/Hours: This is a full-time, exempt level position working Monday - Friday with other days and hours as necessary to accomplish duties. Travel: Minimal travel required; primarily office-based with occasional local travel.

As a Financial Services Representative II, you'll be responsible for building and maintaining strong relationships with both new and existing customers while helping them achieve their financial goals. You'll take a proactive approach to customer engagement ensuring that each interaction is meaningful and tailored to that customer's needs allowing you to identify new opportunities for growth and retention. Additionally, you will balance routine transactions and interactions with assisting customers through more complex banking matters while contributing to consistent growth and enhancing the financial well-being of our customers. ESSENTIAL JOB FUNCTIONS: Provides a range of customer services including engaging customers in financial needs-based conversations, account servicing, the opening of new products and services, accurately processing transactions, educating customers of self-service options, and referring to partners Delivers exceptional customer experience through proactive engagement, building relationships through meaningful conversations, and anticipating and fulfilling customer needs to deliver solutions that earn the customer's trust Proactively identifies opportunities and generates high-quality referrals to branch associates, internal partners, and external vendor partners in addition to partnering on business development activities to drive business growth and enhance customer satisfaction Assists with the resolution of more complex banking and customer service issues that may require research and/or collaboration with other departments/teams while maintaining ownership of the customer interaction and relationship to deliver informed solutions to our customers. Contributes to the efficient and effective operation of a well-run branch by following established processes and guidelines in daily work while doing what is right for the customer and adhering to all applicable compliance directives (policies, procedures, rules, and regulations) Responsible for assisting other associates as needed within defined authority limits and supporting branch management in operational tasks Actively participate in and support the bank's strategic plan to grow all aspects of the retail bank's business Meet or exceed sales goals through targeted sales activities, identifying customer needs, and offering appropriate products and services Owns their career development by consistently working to sharpen existing skills while learning new ones through assigned and self-sourced training, branch coaching and observations, and taking advantage of other learning opportunities as they arise Actively attends and participates in and bank sponsored events and works to enhance the visibility of the bank and contribute to the growth and acquisition of new customers JOB REQUIREMENTS: High school diploma or equivalence required, some college a plus Successful customer service and/or sales experience required Previous experience in a retail bank or related industry preferred Prior cash handling experience preferred KNOWLEDGE/SKILLS REQUIRED: Advanced customer service skills Intermediate verbal, written, and listening skills Intermediate problem solving skills Intermediate collaboration skills Intermediate understanding of banking products and services Advanced adaptability skills Basic prioritization skills Basic proficiency with MS Office Intermediate critical thinking skills Intermediate negotiation skills Intermediate relationship building skills PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 25 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

The Mortgage Loan Originator (MLO) is responsible for soliciting, structuring and closing 1-4 family real estate loans as well as developing new mortgage loan business. The MLO develops a plan for collaborating with assigned bank branches to cause quality mortgage loan referrals. Additionally, the MLO develops an external network of Realtor, builder, and other referral partners. The MLO takes loan applications, collects relevant loan documentation and ensures that borrowers receive a quality origination experience. The MLO represents the bank in the local community through active involvement in key trade and other groups such as Realtor associations. ESSENTIAL JOB FUNCTIONS: Source and develop loans for residential real estate and new construction lending, both internally and externally Collaborate with bank Branch Managers to establish a referral plan and system Conduct regular training, share best practices and successes Conducts loan interview with borrowers to understand their needs and match suitable loan solutions Take applications, collect documentation and run ratio and other calculations Complete necessary credit investigations on each loan application as appropriate for keeping credit files current for the duration of the loan including responsibility for collecting payments in a timely manner Submit complete loan files to underwriting Maximize bank profitability through appropriate pricing of new loan originations and fee income. Work with loan team to ensure that all pertinent account documentation is complete and accurate and that all collateral has been properly secured Support the bank's strong relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge Build and maintain positive relations with all customers, potential customers and co-workers Perform as a team member in allocating and coordinating the work flow Contribute to the fulfillment of department and company objectives and goals to include looking for other banking relationship opportunities with borrowers Comply with all department and company policies, procedures and regulations JOB REQUIREMENTS: High school diploma or equivalence required Must have prior mortgage origination experience Must be goal oriented and able to meet loan production objectives Able to maintain NMLS registration and /or licensing status KNOWLEDGE/SKILLS REQUIRED: Knowledge of mortgage loan origination, underwriting, processing, documentation, and post closing review Knowledge of both portfolio and secondary market loan origination programs and guidelines to include conventional, FHA, VA, USDA, and Jumbo loan programs Knowledge of the appraisal process, title insurance process, and loan closing process. Proven credit analysis skills Knowledge of state and federal lending and compliance regulations and bank lending policies Excellent organization and time management skills Experience with originating loans using Loan Origination Systems Intermediate math skills, ability to calculate interest, commissions, proportions, debt-to-income ratios, loan to values Excellent customer service skills, attentiveness, and information retention Must be a proficient communicator and listener, as well as strong organizational skills Must possess excellent relationship-building and sales skills PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 10 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

The Branch Manager develops, expands, and maintains business relationships with customers while providing oversight and accountability for branch associates, ensuring financial performance, customer satisfaction, and adherence to branch policies and procedures. Demonstrates leadership competency and models skills and behaviors that produce high-performing teams. ESSENTIAL JOB FUNCTIONS: Lead, manage, and develop a branch team of direct reports with low to moderate complexity and risk in retail banking branch Drive branch revenue for a branch with low to moderate core deposit and loan balances through consumer and small business relationship development and new customer strategies; Drive the branch core deposit and loan growth through face to face appointments with customers, outbound calling, and participating on external business development calls with other partners Participate in market, civic, government, professional, business, community affairs, associations and groups to prospect and develop new business through community involvement and build the Carter Bank brand Demonstrate and provide oversight to assure the effective and consistent application of retail operating model defined behaviors, skills, and tools Actively participate in executing the branch's strategic plan to grow core deposits and loans, fee income Oversee branch associate action planning, sets expectations, and assesses performance Maintain a high level of employee morale to minimize turnover and maximum customer service satisfaction Responsible for ensuring deposit and loan growth to obtain the bank's growth objectives by promoting the bank's products and services. Oversee the quality of consumer and business products sales and servicing Effectively identify and submit quality referrals to branch associates, internal partners (mortgage, community banking, treasury services, etc.), and vendor partners (credit card, merchant services, insurance, etc.) Oversee the quality of customer service and relationship management actions and decisions Consistently deliver exceptional customer experiences Assure safety and wellness standards are in place and practiced consistently and effectively Responsible for branch operations effectiveness by setting expectations for all branch associates Oversee adherence to the bank and regulatory policies and procedures Assure systems and facilities are maintained Collaborate with internal partners to identify areas of opportunities and areas of improvements Effectively respond to issues, errors and complaints Demonstrate and oversee the effective and consistent application of performance and talent management processes Consistently demonstrate adaptability and serve in the tradition of care for which CB&T is known, modeling skills and behaviors defined in the retail imperatives Responsible for originating consumer and small business lending, for existing and new customers Assist customers to identify appropriate lending and deposit product solutions, completing the deposit opening process, loan application, and closing the loan. Work with Retail Credit staff to review complicated transactions, structure loans, and loan exceptions Review reports outlined in toolkit and cadence relating to production, HR, Branch Operations, Retail Operations, Relationship Management Responsible for processing override approvals for transactions as needed Responsible for onboarding new associates with planning, oversight, and training Coach and mentor branch associates JOB REQUIREMENTS: High school diploma or equivalence required, associate's or bachelor's degree in business, finance, accounting, or equivalent field preferred Previous experience in a financial institution or similar professional or retail services industry required Successful customer service and sales experience required Proven leadership capability in a prior position required Successful account/relationship management experience required Successful operations experience a plus KNOWLEDGE/SKILLS REQUIRED: Excellent customer service and sales skills Detailed oriented, must be able to multi-task Strong verbal and written communication skills Ability to perform effectively in a fast-paced environment Strong Leadership skills to manage and supervise associates and lead by example Basic skills in Word, Excel, and PowerPoint Strong computer skills Knowledge of banking products and services Ability to execute strategic plans Advanced math and accounting skills a plus PHYSICAL AND MENTAL QUALIFICATIONS: Sitting, standing, walking to the terminal, and occasional stooping Requires lifting bags and/or tray of coins and bills periodically May require working outside designated branch hours to meet business needs Travel with occasional overnight travel required The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

As a Financial Services Representative, you are stepping into a dynamic role that blends customer interaction and providing financial expertise. The FSR role allows you to be the first point of contact for customers where you'll guide them through their banking needs with a proactive and personalized touch. Whether handling every-day transactions, educating on self-service options, helping with basic banking needs, or routing customers to the appropriate next step, you will be building relationships with customers to improve their financial well-being day in and day out. ESSENTIAL JOB FUNCTIONS: Provides a range of customer services including transaction processing, customer and account servicing, opening new accounts and products, and referring to partners Delivers exceptional customer experience through every customer interaction by proactively engaging customers to build relationships through meaningful conversation, asking relevant questions, responding to and anticipating needs, and delivering on solutions that earn the customer's trust Proactively identifies basic customer needs and generates high-quality referrals to branch associates, internal partners, and external vendor partners to support the customer's financial goals Utilizes bank resources to assist with the resolution of basic or common account/customer issues and escalates unresolved issues for further research while providing clear, accurate answers and timely solutions Contributes to the efficient and effective operation of a well-run branch by adhering to established processes and guidelines in daily work while doing what is right for the customer and adhering to all applicable compliance directives (policies, procedures, rules, and regulations) Actively participate in and support the bank's strategic plan to grow all aspects of the retail bank's business Meet or exceed sales goals through targeted sales activities, identifying customer needs, and offering appropriate products and services Owns their career development by consistently working to sharpen existing skills while learning new ones through assigned and self-sourced training, branch coaching and observations, and taking advantage of other learning opportunities as they arise Actively attends and participates in bank sponsored events and works to enhance the visibility of the bank and contribute to the growth and acquisition of new customers JOB REQUIREMENTS: High school diploma or equivalence required, some college a plus Successful customer service and /or sales experience required Previous experience in a retail bank or related industry preferred Prior cash handling experience preferred KNOWLEDGE/SKILLS REQUIRED: Intermediate customer service skills Intermediate verbal, written, and listening skills Basic problem solving skills Intermediate collaboration skills Basic understanding of banking products and services Intermediate adaptability skills Basic prioritization skills Basic proficiency with MS Office Basic critical thinking skills PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 25 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

As a Financial Services Representative, you are stepping into a dynamic role that blends customer interaction and providing financial expertise. The FSR role allows you to be the first point of contact for customers where you'll guide them through their banking needs with a proactive and personalized touch. Whether handling every-day transactions, educating on self-service options, helping with basic banking needs, or routing customers to the appropriate next step, you will be building relationships with customers to improve their financial well-being day in and day out. ESSENTIAL JOB FUNCTIONS: Provides a range of customer services including transaction processing, customer and account servicing, opening new accounts and products, and referring to partners Delivers exceptional customer experience through every customer interaction by proactively engaging customers to build relationships through meaningful conversation, asking relevant questions, responding to and anticipating needs, and delivering on solutions that earn the customer's trust Proactively identifies basic customer needs and generates high-quality referrals to branch associates, internal partners, and external vendor partners to support the customer's financial goals Utilizes bank resources to assist with the resolution of basic or common account/customer issues and escalates unresolved issues for further research while providing clear, accurate answers and timely solutions Contributes to the efficient and effective operation of a well-run branch by adhering to established processes and guidelines in daily work while doing what is right for the customer and adhering to all applicable compliance directives (policies, procedures, rules, and regulations) Actively participate in and support the bank's strategic plan to grow all aspects of the retail bank's business Meet or exceed sales goals through targeted sales activities, identifying customer needs, and offering appropriate products and services Owns their career development by consistently working to sharpen existing skills while learning new ones through assigned and self-sourced training, branch coaching and observations, and taking advantage of other learning opportunities as they arise Actively attends and participates in bank sponsored events and works to enhance the visibility of the bank and contribute to the growth and acquisition of new customers JOB REQUIREMENTS: High school diploma or equivalence required, some college a plus Successful customer service and /or sales experience required Previous experience in a retail bank or related industry preferred Prior cash handling experience preferred KNOWLEDGE/SKILLS REQUIRED: Intermediate customer service skills Intermediate verbal, written, and listening skills Basic problem solving skills Intermediate collaboration skills Basic understanding of banking products and services Intermediate adaptability skills Basic prioritization skills Basic proficiency with MS Office Basic critical thinking skills PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 25 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT