Citizens & Northern jobs

Works closely with assigned Relationship Managers to manage a large and or complex portfolio of Corporate Banking clients. Oversees, along with Relationship Manager(s), receipt and ongoing review of client financial statements and reporting packages. Ensures credit quality standards are executed. Communicates with relationship team and credit department regarding details of portfolio performance and credit metrics. Participates in sales calls and is active in various community events, civic and charitable organizations. Essential Job Responsibilities__________________________________ 1. Conducts independent financial statement, covenant and collateral analysis of Corporate Banking clients. Assists in discussions and due diligence on existing and prospective clients. Oversees portfolio analysis and assists in deal structuring and legal document review and negotiation. 2. In collaboration with Relationship Manager(s), manages and grows a portfolio of companies. Portfolio size may vary based on length of service and management decisions. 3. Assists with the cultivation of new business opportunities from existing and potential corporate clients and assists Relationship Manager(s) help meet client needs and deepen relationships. Support cross-sell opportunities as identified through client interaction. 4. Provides portfolio information on a timely basis to be included as part of credit analysis and performance reports. Maintains a continuous improvement mindset with respect to credit performance reports, cross sell effectiveness, and opportunities to improve processes. 5. Monitors client financial performance versus plan objectives and financial covenant compliance on a regular basis; discusses the performance with the relationship team. Reports credit deterioration promptly and works with Special Assets to mitigate potential losses. 6. Actively monitors and manages maturing notes, expiring commitments and delinquencies within assigned portfolio. 7. Performs maintenance calls with or without Relationship Manager as needed, and assists in credit collection work as necessary for assigned accounts. 8. Services the immediate needs of the clients by performing the following with Relationship Manager(s): a. Analyzes, with credit analysis staff, the creditworthiness of their clients and prospects. b. Seeks additional approvals or policy exceptions as necessary. c. Oversees proper execution and review of loan documentation in accordance with bank policy. d. Understands the credit strengths and weaknesses of clients. e. Monitors borrower's performance and communicates to management and the credit department. f. Works with Treasury Management to establish necessary accounts and ancillary services for deposits. g. Other ongoing client and portfolio tasks as needed to assist the team. 9. Works with the Credit Department to ensure that the approval packages are thorough and correct including review of the financial statement requirements, covenant structure, and terms and conditions. 10. Prepares and assists in the presentation of loan modification requests, Criticized Asset Committee Memos, Semi-Annual Line Sheets and any other required reports, on an as-needed basis and in conjunction with Relationship Manager. 11. Values collateral when necessary, reviews appraisals and assesses collateral coverage. 12. Ability to assess and discuss risk ratings with the Credit Department. 13. Follows assigned accounts, in conjunction with relationship team, to ensure financial statements are received timely and evaluated regularly to assess borrower risk. 14. Coordinates the daily workflow in and out of the area to ensure that loans are in complete conformity with the terms. 15. Assists in providing direct service to commercial clients of the bank with respect to deposit, loan, and other products and services. Develops expertise in all applicable processes and systems to ensure they are all leveraged. Strives to improve cycle times and client experience. 16. Assists with deal screens and preliminary review of large existing and prospective clients as needed. 17. Prepares and maintains accurate records of all client service calls made and meetings held with present and prospective clients. 18. Serves as a representative for Portfolio Management and/or Corporate Banking in various Bank initiatives and projects on an as-needed and elected basis. 19. Maintains a thorough knowledge of the features and benefits of all corporate banking products and services. 20. Maintains a working knowledge of bank operating policies and procedures. 21. May serve as a mentor and/or provide training to newer and less experienced Portfolio Managers within the Group. Bona Fide Occupational Qualifications___________________________ 1. A Bachelor's degree in Business or Finance related field, and/or equivalent experience required. 2. A minimum of five (5) to seven (7) years of strong credit analysis experience and demonstrated portfolio management skills required. 3. Exceptional communication skills with ability to influence others, as well as strong computer and analytical skills are necessary. 4. A valid driver's license and travel, including some overnight stays, are required. 5. May be eligible for Telecommuting.

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. **Job Description** Partners with their assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. Participates in projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations. Identifies gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. Identifies, responds and/or escalates risks as appropriate. Serves as a functional liaison between the Line of Business and the Lines of Defense. **Basic Qualifications** - Bachelor's degree, or equivalent work experience - Typically more than two years of applicable experience **Preferred Skills/Experience** - Intermediate knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business - Intermediate understanding of the business line's operations, products/services, systems, and associated risks/controls - Basic knowledge of Risk/Compliance/Audit competencies - Strong analytical, process facilitation and project management skills - Effective presentation, interpersonal, written and verbal communication skills - Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations **This role requires working from a U.S. Bank location three (3) or more days per week.** If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (****************************************************************************** . **Benefits:** Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): + Healthcare (medical, dental, vision) + Basic term and optional term life insurance + Short-term and long-term disability + Pregnancy disability and parental leave + 401(k) and employer-funded retirement plan + Paid vacation (from two to five weeks depending on salary grade and tenure) + Up to 11 paid holiday opportunities + Adoption assistance + Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. **E-Verify** U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (********************************************************************** . The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $66,640.00 - $78,400.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. **Posting may be closed earlier due to high volume of applicants.**

This is a remote role that may be hired in several markets across the United States. This position provides consultative technical expertise for middleware and integration solutions within the Bank. This individual will play a critical role in driving stakeholder alignment, accelerating momentum across cross-functional teams, and supporting the development of common practices and governance frameworks that enable application teams to focus on delivery. Responsibilities Stakeholder Engagement & Momentum Building * Act as a catalyst for progress by fostering alignment across business, technology, and architecture teams. * Drive traction on enterprise initiatives by facilitating workshops, clarifying priorities, and removing blockers. * Translate complex architectural goals into digestible, actionable plans for diverse stakeholder groups. Enterprise Middleware and Integrations * Partner with product owners, developers, architects and cross-functional teams to identify, understand and business capability needs and associated roadmap * Support the rollout of middleware solutions and platforms/tools, ensuring alignment with enterprise architecture principles in support of business capability needs. Enterprise Architecture Alignment * Collaborate with enterprise architecture leadership to implement common practices and governance models. * Ensure business systems analysis efforts and associated solutions are aligned with the enterprise's Target Operating Models (TOMs) and strategic goals. Requirements Gathering & Analysis * Elicit, document, and validate business and technical requirements for middleware-related initiatives and broader architectural efforts. * Analyze current-state systems and processes to identify gaps, inefficiencies, and opportunities for improvement. Documentation & Communication * Create clear, concise documentation including process flows, use cases, data mapping and business requirements. * Communicate effectively with technical and non-technical audiences to ensure shared understanding and buy-in. Qualifications Bachelor's Degree and 10 years of experience in Information Technology OR High School Diploma or GED and 14 years of experience in Information Technology Preferred qualifications: * Demonstrated technical acumen with prior hands-on experience as a developer/Senior Analyst, enabling effective navigation of technical requirements and conversations. * Strong understanding of middleware technologies (e.g., API platforms, messaging tools, API gateways) and associate integration patterns. * Proven ability to drive stakeholder engagement and build momentum in complex, matrixed organizations. * Strong understanding of enterprise architecture principles and frameworks. * Exceptional communication and facilitation skills-able to translate technical concepts for non-technical audiences. * Experience supporting large-scale transformation initiatives is a plus. This job posting is expected to remain active for 45 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants. If hired in North Carolina, the base pay for this position is generally between $137,640 and $180,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. This job posting has been extended until January 23, 2026. #LI-JM1 Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

The Portfolio Construction Desk maintains UMB's Investment Models and implements UMB's Investment Strategy in client accounts. As an Investment Platform Trader II, you will be responsible for keeping approximately 2,700 accounts in line with UMB's Investment Strategy. In addition, you will help create client Investment Policy Statements and Investment Proposals. This position is hybrid, in-office Mon., Tues., Wed., & Thur., working from home Fri. How you'll spend your time: You will be primarily focused on less complex order management and trading activities for the team. You will be responsible for managing day to day client transactions, executing purchases and sales as instructed. You will be expected to maintain the highest quality of order execution across all transactions. You will produce reports for management and compliance on a regular basis summarizing trading activity. You will provide market color and information on macroeconomic and company specific news items to investment teams You will execute on programs designed to elevate the client experience, maximize scale, and minimize trading risks You will assist with trade settlement processing; maintain contact with custodian banks to ensure timely settlement and resolution of any trade breaks. You will work to prevent errors, breaches of client confidentiality or omissions. You will ensure all required Compliance requirements are met when performing job duties. You will provide credit research on all tax-exempt holdings, including providing analysis on all new purchases. Other duties as assigned. We're excited to talk to you if: You possess a bachelor's degree in relevant field or combination of education and experience that provides and equivalent background. You have 3+ years of applicable experience. You can do complex problem solving. You are a great communicator with strong interpersonal skills. You have exceptional written communication and presentation skills. You demonstrate trust, investment, and trading knowledge of portfolio modeling, platforms, policies and procedures, state, and federal laws/regulations. You are competent in all trading requirements including portfolio modeling and order entry with the objective being to minimize trade errors. You can balance a client experience mindset when managing and controlling business risks. You are a builder and communicator of analytical frameworks that define and measure success. You show effective financial research skills. You understand the trading lifecycle from order placement through settlement. You have a proficiency of Microsoft Office Suite (Word, Excel, PowerPoint, SharePoint). You have a proficiency in trading and order management software systems. You have a proficiency in UMB custody and clearing platforms such as SEI and Fidelity Wealthscape. You have demonstrated strong math skills. Bonus points if: You have advanced investment strategy, portfolio management and research knowledge. You are willing to pursue additional, advanced certifications and other training as needed. You are active in community and professional organizations. You are proficient in portfolio management software such as Advent MOXY or AXYS. You are proficient in investment research software such as Morningstar Direct, Thompson Reuters or Bloomberg; Power Image and FactSet. You are proficient in Salesforce CRM software. You are proficient in Workday, Peoplesoft, Archer, Skillport and Hyperion. Compensation Range: $51,480.00 - $99,330.00 The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. Are you ready to be part of something more? You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to ************************* to let us know the nature of your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. **Job Description** **Client Relationship Consultants build relationships with customers, engaging them via multiple channels including in-person, by appointment, and virtually to provide the best possible counsel while adapting a digital first mindset. Strong client relationships are based on trust, assessing and attending to customers' banking needs, obtaining and processing customer and account information, demonstrating and educating clients on available deposit and loan products and services, and recommending solutions based on each customer's unique goals and needs.** **Builds and fosters relationships with clients through proactive outreach and follow up, asking questions and learning about their financial needs, and banking channel preferences. Identifies solutions for new and existing clients based on their needs by effectively engaging and communicating with clients. Maintains a working knowledge of consumer and business banking products and services including digital products and services. Provides a consistent optimal client experience, including greeting clients and processing basic transactions. Develops collaborative partnerships with branch team members and partners to best serve clients. Opens new consumer and business accounts, completes service requests and submits credit applications. Proactively educates clients on emerging and self-service digital products and services to assist with meeting their financial needs. Leverages available resources and technologies to optimize the client experience and serve our clients with operational excellence and accuracy.** **This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.** **This active posting is for a Client Relationship Consultant role: Client Relationship Consultant 1, Client Relationship Consultant 2, Client Relationship Consultant 3, and Client Relationship Consultant 4. Below are the basic qualifications and preferred experience for each level of role. Your level of experience will be reviewed and matched to the appropriate job level when you apply to this posting.** **We have full time openings at our Columbus S High, Bexley, Galloway Kroger, and Great Eastern Offices (40 hours per week).** **We have a part time opening at our Hilliard Square Kroger Office (20 hours per week)** **Client Relationship Consultant 1** **Basic Qualifications** **- High school diploma or equivalent** **- Typically has a minimum of one to two years of job-related, retail banking experience or a combination of experience and commensurate training** **Preferred Skills/Experience** **- Proven ability to build and foster relationships with clients through proactive outreach and follow up** **- Ability to effectively engage and communicate with clients** **- Basic knowledge of applicable bank and branch policies, procedures and support systems** **- Proven customer service and interpersonal skills** **- Experience with using and demonstrating digital products and self-service technologies** **- Ability to explore and identify a customer's true needs while leveraging a digital first mindset** **- Demonstrated basic level of proficiency in making appropriate recommendations that meet customer's needs both reactively and proactively** **- Experience in the financial services industry preferred** **Client Relationship Consultant 2** **Basic Qualifications** **- High school diploma or equivalent** **- Typically has a minimum three to four years of job-related, retail banking experience or a combination of experience and commensurate training** **Preferred Skills/Experience** **- Proven ability to build and foster relationships with clients through proactive outreach and follow up** **- Ability to effectively engage and communicate with clients** **- Thorough knowledge of applicable bank and branch policies, procedures and support systems** **- Proven customer service and interpersonal skills** **- Experience with using and demonstrating digital products and self-service technologies** **- Ability to explore and identify a customer's true needs while leveraging a digital first mindset** **- Demonstrated basic level of proficiency in making appropriate recommendations that meet customer's needs both reactively and proactively** **- Experience in the financial services industry preferred** **Client Relationship Consultant 3** **Basic Qualifications** **- High school diploma or equivalent** **- Typically has a minimum four to five years of job-related, retail banking experience or a combination of experience and commensurate training** **Preferred Skills/Experience** **- Proven ability to build and foster relationships with clients through proactive outreach and follow up** **- Ability to effectively engage and communicate with clients** **- Thorough knowledge of applicable bank and branch policies, procedures and support systems** **- Thorough knowledge of all retail products and services** **- Proven customer service and interpersonal skills** **- Experience in participating in sales campaigns/promotions** **- Experience with using and demonstrating digital products and self-service technologies** **- Ability to explore and identify a customer's true needs while leveraging a digital first mindset** **- Demonstrated advanced level of proficiency in making appropriate recommendations that meet customer's needs both reactively and proactively** **- Experience in the financial services industry preferred** **Client Relationship Consultant 4** **Basic Qualifications** **- High school diploma or equivalent** **- Typically has five or more years of job-related, retail banking experience or a combination of experience and commensurate training** **Preferred Skills/Experience** **- Proven ability to build and foster relationships with clients through proactive outreach and follow up** **- Ability to effectively engage and communicate with clients** **- Advanced knowledge of applicable bank and branch policies, procedures and support systems** **- Thorough knowledge of all retail products and services** **- Proven customer service and interpersonal skills** **- Experience in participating in sales campaigns/promotions** **- Experience with using and demonstrating digital products and self-service technologies** **- Ability to explore and identify a customer's true needs while leveraging a digital first mindset** **- Demonstrated advanced level of proficiency in making appropriate recommendations that meet customer's needs both reactively and proactively** **- Experience in the financial services industry preferred** \#BranchEast If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (****************************************************************************** . **Benefits:** Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): + Healthcare (medical, dental, vision) + Basic term and optional term life insurance + Short-term and long-term disability + Pregnancy disability and parental leave + 401(k) and employer-funded retirement plan + Paid vacation (from two to five weeks depending on salary grade and tenure) + Up to 11 paid holiday opportunities + Adoption assistance + Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. **E-Verify** U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (********************************************************************** . The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $20.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. **Posting may be closed earlier due to high volume of applicants.**

This is a hybrid role, with the expectation that work time will regularly take place inside and outside of a company office. New York, New York. The Underwriting II/III - TMT supports the Technology, Media and Telecom (TMT) team at an advanced level through underwriting, analysis, and structuring recommendations for TMT portfolios. Identifies, gathers, and reviews financial information to determine borrower risk ratings and appropriate loan structuring. Assesses and communicates risks within new and existing TMT accounts. Provides service and support for both associates and clients, assisting in customer calls and may assist in identifying cross-sales opportunities to facilitate lending activities. Responsibilities Underwriting - Underwrites TMT accounts according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend credit grades and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome. Analysis - Sources, compiles, and interprets financial data to support structuring and approval of loans. Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower. Utilizes results of analysis to underwrite TMT loans. Risk Management - Identifies risks through reviews, analysis, and research of new and existing TMT loans. Communicates identified risks, review schedule, and potential changes in the TMT portfolio. Assists in coordinating review and renewal schedules for existing credits, facilitating ongoing risk identification and management. Business Support - May assist in the identification of cross-sales opportunities and servicing information. Prepares credit analysis documentation. Partners with associates and clients to determine needs and structuring of new requests, participating in client and prospect calls as needed. Qualifications Underwriting III Bachelor's Degree and 2 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis * OR- High School Diploma or GED and 6 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. Additional Requirements: Commercial finance experience Strong financial analysis skillset (accounting and financial statement analysis and modeling) Excellent written and verbal communication Preferred Qualifications: Large Financial Institution experience Formal credit training If hired in New York City, New York the base pay for this position is generally between $110,000.00 and $110,000.00. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. Underwriting II Bachelor's Degree and 1 year of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis * OR- High School Diploma or GED and 6 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. Additional Requirements: Commercial finance experience Strong financial analysis skillset (accounting and financial statement analysis and modeling) Excellent written and verbal communication Preferred Qualifications: Large Financial Institution experience Formal credit training If hired in New York City, New York the base pay for this position is generally between $100,000.00 and $110,000.00. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

Provides support to all Engagement Center Specialists with incoming service calls and digital interactions from customers, or potential customers, having questions regarding their current account relationships or seeking information about additional products and services. Completes any customer follow up resulting from inbound calls, digital interactions, or transfers from the integrated voice response system, such as account maintenance, records research, and follow up on information requests. Initiates and actively participates in client conversations to determine and appropriately address client needs. Maintains current and detailed knowledge of all bank products and services, as well as a working knowledge of non-bank services, such as brokerage and insurance, in order to effectively promote and refer these products. Tracks outstanding referrals and completes follow up as necessary. Performs call monitoring weekly on each member of the team and follows up immediately to make sure all aspects of Customer Service Promise are met and exceeded. Must excel at hands on coaching and developing team members across the entire Engagement Center. Essential Job Responsibilities____________________________________ 1. Supervises, monitors, and coaches assigned team of Engagement Center Specialists with goal of career development within the EC Excels at hands on coaching and developing team members across the entire Engagement Center. 2. Supports the Financial Solutions Engagement Center Manager in developing a highly talented, motivated, and effective team through the following activities: a. Assists in the selection of new personnel as appropriate. b. Makes provisions for the proper orientation and training of new personnel. c. Reviews employee performance throughout the probationary period and on a regularly scheduled basis thereafter. d. Organizes, schedules, and distributes work among assigned personnel. e. Keeps personnel informed of pertinent policies and procedures affecting the department and/or their jobs. f. Creates an atmosphere in which upward communication from employees is encouraged. g. Administers personnel policies and procedures as established by the Bank. 3. Provides support to all Engagement Center Specialists with incoming service calls and digital interactions from customers, or potential customers, having questions regarding their current account relationships or seeking information about additional products and services, existing deposit and loan account inquiries. Including but not limited to: a. account maintenance requests, including name and address changes b. Online Banking and Mobile banking access issues and inquiries, c. Online BillPay, and Mobile Remote Deposit inquiries, d. debit card transaction inquiries, hot cards, and replacements, e. details on rates and promotional offerings, f. general "switchboard" type transfers to other employees, departments, g. calls transferred from the integrated voice response system 4. Completes any customer follow up resulting from inbound calls (i.e. account maintenance requests, records research, appropriate mailings, outbound calls to other departments, and calls back to customers). 5. Receives and responds to messages from online chat, banno conversations, or emails. 6. Initiates and actively participates in customer conversations to determine and appropriately address customer needs. 7. Maintains current and detailed knowledge of all bank products and services, as well as a working knowledge of non-bank services, such as brokerage and insurance, in order to effectively promote and refer these products. Tracks outstanding referrals and when necessary contacts appropriate branch personnel requesting action on sales referrals not yet progressed. 8. Performs call monitoring weekly on each member of the team and follows up immediately to make sure all aspects of Customer Service Promise are met and exceeded. 9. Completes all self-education assignments in a timely manner (i.e. online compliance training, supervisor-assigned readings/exercises). 10. Productively utilizes non-phone time to review e-mail, read Insite articles, review procedural updates, and access any Insite resources available to enhance job knowledge. Bona Fide Occupational Qualifications_____________________________ 1. High school diploma or equivalent is required. 2. Three (3) years related work experience is required. 3. Previous supervisory experience is preferred. 4. Exceptional customer services skills and excellent interpersonal and communication skills, and a professional manner are required. 5. Proficient computer skills and ability to learn company utilized systems is required. 6. Ability to work day, evening, and weekend hours, with possible shift changes, is required. 7. Must register and maintain current registration with the National Mortgage Licensing System & Registry (NMLS). The NMLS website (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position.

This is a remote role that may be hired in several markets across the United States. This position is aligned to our Data Center Support networking group. This position provides complex technical support for the Bank's data network infrastructure. Responsible for installing, maintaining, and supporting network infrastructure, and will provide Tier 3 support for issues related to networking. Resolves escalated technical issues reported by users or system alerts. Responsible for network components, asset inventory, and capacity planning, including developing and documenting network device upgrades. Collaborates with vendors, colleagues and management to implement services and reduce costs. Drives operational excellence and network efficiency, providing continuous service both through daily activities and through on-call rotation for after-hours support. May oversee less experienced associates in the work group and assist with disaster recovery testing. Responsibilities Principle Accountabilities: * 60% Provide Level 3 technical support for data or voice network systems * 20% Monitoring and auditing performance * 10% Document and procedures updates * 10% Operational Excellence Responsibilities: * Configure and install network hardware and software infrastructure including Wireless, Route/Switch, Cisco ACI, SolarWinds Experience, Cisco SDWAN * Cloud Network Support/Implementation * Provide expertise in BGP and other dynamic routing protocols * Implement, document and plan regular upgrades of all devices under Network Operations responsibility while maintaining compliance with SLAs, security, OS code and configuration standards * Monitor and respond to system generated events (alerts) to identify, analyze, resolve or escalate and update management of any issues * Collaborate with vendors, colleagues and management to implement services and reduce costs * Manage network asset inventory and capacity planning * Assist with Disaster Recovery testing efforts throughout the year * Drive operational excellence * Monitor and assess network components and take appropriate action * Participate in on-call rotation for after hours support Qualifications Bachelor's Degree and 4 years of experience in Data, voice or converged networking OR High School Diploma or GED and 8 years of experience in Data, voice or converged networking Required Qualifications: * In-depth knowledge of numerous networking technologies and protocols and how they interrelate. * Experience with Cisco ACI, Cisco SDWAN deployment, configuration and troubleshooting and expert level in route/switch, dynamic routing. * Experience with large-scale network design, maintenance, and operations. * Familiarity with automation tools (Ansible, SaltStack) and scripting languages (Python, Shell) * Experience with encapsulation protocols like EVPN/VXLAN. * Excellent communication and collaboration abilities and experience leading complex projects Preferred Qualifications: * 10+ years of experience with enterprise network systems and excellent troubleshooting expertise * Certifications: CCNP Routing and Switching/CCIE * Certifications in: Wireless, Cisco ACI, Thousand Eyes This job posting is expected to remain active for 45 days from the initial posting date. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants. The base pay for this position is generally between $109,000 and $140,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. We are looking for candidates who live within a commutable drivable distance to our Raleigh, North Carolina office. This position is responsible for assisting the first line risk program with implementing and executing programs to ensure successful implementation and sustained execution and will provide guidance to other department associates as needed. Risk programs include Risk and Control Self-Assessment (RCSA), Issues Management, Operational Risk Events, New Products & Services, Material Risk Identification, Third Party Risk Management, and Model Risk Management, among others. Responsibilities * Cross-Functional Collaboration - Works with respective business process and business teams to assess impact and help facilitate execution of risk programs throughout the business, in partnership with the frontline risk program team. Advises on impacts based on understanding of processes within the Enterprise Operations. Provides necessary feedback to support management of risk within Enterprise Operations. Partners with the business and frontline risk programs team to help execute the implementation of effective program policies, standards, and procedures. * Process Management/Continuous Improvement - Analyzes and understands processes with Enterprise Operations to understand current and future impacts of risk programs. Serves as a business process subject matter expert within the Enterprise Operations, providing guidance and process coaching to ensure appropriate and effective collaboration between the BU and the frontline risk program teams. * Risk Management - Maintains an understanding of risk program requirements, regulatory expectations, Enterprise Operation's risk environment and risk appetite, as well as related policies, standards and procedures to ensure alignment of Enterprise Operations activities to requirements. Qualifications Bachelor's Degree and 4 years of experience in OR High School Diploma or GED and 8 years of experience in Risk. Business process skills, Attention to detail, Knowledge of risk programs, Process mapping and analysis skills, Data analysis and reporting skills, Process improvement, Risk assessment and mitigation skills, Knowledge of risk techniques, practices, and control frameworks. Knowledge of various banking and government regulatory requirements and processes. Ability to work effectively with associates, senior management, and various committees. Knowledge of regulatory guidance pertaining to enterprise risk and operational risk. Knowledge of product management and supporting risk management programs within a product organization. Stakeholder management and collaboration skills. Highly Preferred Qualifications: * Process mapping and analysis * Operations Management experience * Project Management skills * Large Financial Institution First Line of Defense Risk Management experience * Strong experience in Visio and Archer platforms The base pay for this position is generally between $95,000.00 and $149,500.00. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. This position serves as personnel available to borrowers by phone that are experiencing financial hardships. Provides assistance and information to borrowers on possible Loss Mitigation options and the subsequent needed actions. Facilitates the receipt of a complete hardship application and remains in contact with the borrower throughout the process. Prepares and reviews documentation to ensure all servicing efforts on covered accounts comply with applicable regulations and investor guidelines. This position is considered the first line of defense and expected to maintain a high level of attention to detail, analyze facts, and make sound decisions in order to mitigate risk to the Bank. Responsibilities * Loan Resolution - Responsible for contacting borrowers in financial distress to gather information and required documentation for a complete Loss Mitigation Application. Maintains contact with borrower throughout the process, sending applicable written notices or disclosures. Monitors approved plans until the borrower completes short term repayment plans or makes the required payments. * Client Support - Identifies and supports clients who are eligible for assistance. Contacts clients who are in Foreclosure, who were dismissed or discharged from bankruptcy, or who have inquired about possible assistance in order to begin the process. * Operational Support - Acts as a liaison between business units, Retail Credit Underwriting teams, and branches regarding distressed borrowers. * Portfolio Servicing - Participates in servicing efforts for acquired institutions. Works with acquired institutions to service defaulted or covered assets, and to assist with mortgage loans. Modifies or recommends charge offs as appropriate. Qualifications Bachelor's Degree and 1 years of experience in Collections, Loss Mitigation, Bankruptcy, Foreclosure, or Default OR High School Diploma or GED and 5 years of experience in Collections, Loss Mitigation, Bankruptcy, Foreclosure, or Default Spanish bilingual abilities highly preferred. Skill(s): Knowledge of applicable regulations Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

**COMMERCIAL RELATIONSHIP SPECIALIST-FRANCHISE FINANCE & HEALTHCARE** At UMB Bank, the Commercial Relationship Specialist provides a highly skilled level of support to Relationship Managers and Clients within Commercial Banking while maintaining and supporting the development of relationships with customers and internal partners. **Primary Responsibilities** + Assist Relationship Manager(s) by performing daily support activities related to client relationships and keep respective Relationship Manager informed when appropriate + Act as point of contact for Commercial Banking clients for all servicing requests related to client relationship + Manage post-closing requirements such as exception citing's, collateral perfections, covenant items, etc. + Work closely with Treasury Management team to successfully onboard new Deposit Account and Treasury Services for clients as well as provide guidance to clients to the appropriate resource for servicing and assistance + Maintain client records for both loan and deposit accounts + Provide professional and courteous customer service while answering questions, researching issues, and providing resolutions as needed + Facilitate loan payoffs and collateral release requests + Assist with Analysis Refund requests + Facilitate no-pin wires + Assist with transfers + Handle customer overdraft communication and decisioning + Provide and assist with Loan and Deposit Account information/documentation **Requirements** + High School Diploma or GED and three (3) years general banking experience OR a Bachelor's degree and two (2) years banking or client support experience. Application Deadline: December 31, 2025 **Compensation Range:** $37,490.00 - $71,920.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. Job DescriptionPrivate Wealth Management (PWM) Private Banking is responsible for developing, managing, and retaining full service relationships with high income/high net worth private banking clients. Provides advice, counsel, and high level customer service to meet the financial needs of clients. Supports standards for managing net portfolio in a manner that ensures compliance with banking regulations, policies and procedures, credit quality and credit policy requirements. Shared responsibility for soliciting, developing, managing, and retaining client relationships for Private Wealth Management. This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.Basic Qualifications - Bachelor's degree, or equivalent work experience - Ten or more years of private wealth management experience in the financial services industry Preferred Skills/Experience - Strong relationship management and lending skills - Strong sales and new buinsess development skills - Advanced knowledge of Private Wealth Management products and services - Expert knowledge of private banking products and services, including credit processes - Strong networking and business development skills - Ability to partner with clients to identify and service unique customer needs - Well-developed analytical and problem-solving skills - Ability to make critical decisions independently - Excellent presentation, verbal and written communication skills This role is hybrid. Team members who are in a hybrid role typically spend three days a week at a U.S. Bank location, while having flexibility on their work location for the other working days. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants. Benefits: Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Pregnancy disability and parental leave 401(k) and employer-funded retirement plan Paid vacation (from two to five weeks depending on salary grade and tenure) Up to 11 paid holiday opportunities Adoption assistance Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $126,820.00 - $149,200.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. Posting may be closed earlier due to high volume of applicants.

This is a remote role that may only be hired in the following location(s): AZ, GA, NC, and TX. Silicon Valley Bank (SVB), a division of First Citizens Bank, is the bank of the world's most innovative companies and investors. SVB provides commercial and private banking to individuals and companies in the technology, life science and healthcare, private equity, venture capital and premium wine industries. SVB operates in centers of innovation throughout the United States, serving the unique needs of its dynamic clients with deep sector expertise, insights, and connections. SVB's parent company, First Citizens Bancshares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $200 billion in assets. First Citizens Bank, Member FDIC. Learn more at svb.com. We are looking for a hands-on Manager, IT to join our Onboarding, Automation, Servicing Technology team, which provides technology solutions and business process management solutions for our Global Services organization. The ideal candidate should have the necessary skills and experience to provide resource management, technical guidance, estimation of efforts, understanding and deciding upon the optimal technology solution to achieve the desired business needs, day to day application support, should be able to navigate differing levels of gray/unknowns, and have excellent communication skills with other IT management levels, individual contributors and business stakeholders. They must be able to move at a rapid pace of execution to deliver requests and take advantage of any opportunities as they present themselves and navigate through any resource constraints. They must have both the short- and long-term strategic view when deciding on the best technical approach. They must be able manage a team to develop code and effectively oversee distributed development team members. As a Manager, primary responsibility will be towards managing the development and support of Global Operations and Enterprise Services technology solutions/projects. The Manager will be responsible for all resource management aspects for an engineering team that is focused on research, design, technology insertion, development, testing and supporting them. Responsibilities As a Manager, primary responsibility will be towards managing the development and support of Global Operations and Enterprise Services technology solutions/projects. The Manager will be responsible for all resource management aspects for an engineering team that is focused on research, design, technology insertion, development, testing and supporting them. * Demonstrated expertise in designing and developing BPM solutions using Appian, workflow automation, system integrations and be able to optimize the use of database level processing. * Design and develop technical solutions that meet user needs with respect to functionality, performance, scalability, and reliability. * Provide development leadership (Architecture, Design, Development) for medium to large sized projects and maintenance on our client facing online and mobile banking systems. * Work closely with Product Managers to execute on the business requirements * Oversee proactive maintenance on our existing Iaas/SaaS and on premise applications within the Digital, Mobile, Cards, Merchant Services, Payments, Foreign Exchange, Core banking and Trade Finance space to ensure our mission critical systems remain stable, are able to scale as our business grows, and remain fit-for-purpose. * Coordinate and assist with troubleshooting of code defects, data errors and configuration problems to determine the origin of application error. * Exercise Judgement within defined procedures and practices to determine appropriate action. * Drive departmental best practices, guidelines implementation and adhere to standards. * Empathize with developers. Innate desire to create a superlative developer experience down to the last detail. * Drive to learn new things and go above and beyond the call of duty. * Always working to improve yourself and constructively support the team around you. Qualifications Bachelor's Degree and 6 years of experience in Applications development, applications analysis or systems engineering OR High School Diploma or GED and 10 years of experience in Applications development, applications analysis or systems engineering Preferred Qualifications: * Bachelor's degree in Computer Science with 10+ Years of experience * Experience in resource management and managing large team of engineers * Experience in vendor management * Expert in Appian 20.x * Expert in Oracle DB/SQL, Web Services, Microservices * Expert in Appian component implementation, SAIL UIs, Custom Data Types (CDTs), Records, Dashboards, Sites * Expert in Appian Forms, Process Modelers, Rules & Expressions, Document Knowledge Center, Data Management through Complex Data Types, XSD's, and SQL queries * Experience in Appian system administration and management is preferred * Solid understanding of the online security both infrastructure and application side including but not limited to LDAP, Active Directory, Certificates etc. * Experience is cross functional delivery across other IT teams to integrate the Appian applications with other existing platforms * Experience with distributed systems architecture and design * Hands-on experience must include: * Design of UI SAIL Forms for Site and Tempo environment. * Design of CDTs that interact with external databases o Design of role-based access control Appian components. * Development of Records and Reports using SAIL. * Use of Appian Plugins for use in SAIL and process models o Ability to traverse logs to determine system and development errors. * Build/consumption of web services in Appian. * Design of expression rules, constants, and query rules. * Experience with complex enterprise integration services/solutions * Expert and working knowledge of cloud technologies such as AWS / Azure. * Post-delivery experience in assisting client teams in supporting the live application and perform hand-off and knowledge transfer activities, positioning our clients for long term success. * Experience and exposure to API gateways, working with SOA platforms like MuleSoft, APGIEE, Oracle ESB etc. * Implementation experience with SAAS/PAAS based solutions * Knowledge of Banking Services, Payments, Risk/Fraud, BSA/AML, KYC etc * Experience implementing solutions using Agile/Kanban delivery methodologies * Experience in business analysis, requirements gathering, detailed designing and development * Experience creating functional & technical design documents following SDLC principles * Experience in CI/CD, version control, deployments, cut-over planning & strategy, postproduction support etc * Must have good verbal and written communication skills * Experience with Test Driven Development and Agile Methodologies in a distributed team environment is a plus Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

This is a remote role that may be hired in several markets across the United States. This position is responsible for working a portfolio of accounts with default statuses such as repossession, foreclosure, loss projection and forecast, coordinating default related projects or other default-related litigation. Manages legal pleadings following referral to ensure accuracy and completeness of actions to collect indebtedness. Analyzes documentation, account statements, maintenance, and other necessary information and take the next appropriate step such as assignment to external attorneys or vendors for foreclosure or repossession. This position is considered a first line of defense and expected to maintain a high level of attention to detail, analyze facts and make sound decisions to mitigate risk to the Bank. May also assist with vendor audits, customer complaints, and special projects as needed to achieve departmental goals and may also provide guidance to less experienced analysts in the work group through knowledge of default loan accounts. Responsibilities * Account Analysis - Analyzes documentation and information within a portfolio account. Reviews system notes, loan history, and other relevant case information prior to initiating foreclosure actions. Ensures completeness and accuracy of included documentation. May investigate or resolve discrepancies identified in account analysis. * Account Management - Works pipeline of accounts, completing all tasks within the required timeframes. Updates systems with detailed account notations and arranges account maintenance if necessary. Decides next steps, passing accounts onto external attorneys, vendors, and other key contacts for default-related litigation. Follows up to ensure work is completed in a timely fashion and to continuously monitor assigned account status. * Business Support - Supports the tracking and response requirements of customer complaints. Assists with internal audit of attorney vendors, ensuring compliance with vendor management and regulatory guidelines. Performs additional tasks as needed to aid department initiatives and projects. Maintains a strategic knowledge of department goals and objectives. * Relationship Development - Builds and maintains strong relationships with managers, associates, vendors, and other key vendors involved in handling portfolio accounts. * Coordinating default related projects. Qualifications Bachelor's Degree and 3 years of experience in Financial Services industry, including Bankruptcy, Foreclosure, Collections, or Default Litigation OR High School Diploma or GED and 7 years of experience in Financial Services industry, including Bankruptcy, Foreclosure, Collections, or Default Litigation Preferred Qualifications: * Paralegal Degree and 3 years of experience in Creditor's Rights or Financial Services industry, including Repossession, Loss Projection and Forecast, Default Litigation, and Foreclosure. * Knowledge of industry specific regulations and laws pertaining to collections, default, repossession, losses, and foreclosure * Experience with bank acquisition * Experience with servicing of investor accounts The base pay for this position is generally between $70,000.00 and $95,000.00. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. This job posting is expected to remain active for 45 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants. Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. This is a remote position available to candidates who currently reside in the state of Washington. Responsible for the administration, risk management and servicing of assigned fiduciary and investment management accounts. May include Relationship Management responsibilities as well as product specialty knowledge and expertise (such as IRAs, Charitable/Philanthropic Accounts, ILITs, Estates, etc.). Will likely work as part of a team of experts administering accounts where tasks are assigned based on complexity. Accountable for servicing and retention of existing accounts. Administers accounts in a manner which ensures compliance with the governing documents, state statutes and U.S. Bank policies and procedures. Responsible for meeting all corporate and regulatory compliance standards. Basic Qualifications: Bachelor's degree, or equivalent work experience 10 or more years of experience in Trust administration Professional Designation is required and may include, but is not limited to: CTFA, CFP, JD, CPA and/or Graduate of National Trust School Program Preferred Skills/Experience: Considerable knowledge of estate settlement, income, estate and multi-generational taxation and trusts Thorough knowledge of fiduciary law, tax implications and practices in multiple jurisdictions, trust accounting/reporting, and other regulatory compliance requirements Strong project and information management skills Strong organizational, analytical and problem-solving skills Basic leadership and team-building skills Excellent interpersonal, verbal and communication skills Well-developed customer service/relations skills Additional Job Description: As an alternative to the above basic qualification of 10 or more years of experience in trust administration, we will also consider candidates with 3-4 years of experience practicing trusts and estate law. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants. Benefits: Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Pregnancy disability and parental leave 401(k) and employer-funded retirement plan Paid vacation (from two to five weeks depending on salary grade and tenure) Up to 11 paid holiday opportunities Adoption assistance Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $132,260.00 - $155,600.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. Posting may be closed earlier due to high volume of applicants.

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often-that's what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at-all from Day One. As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals-no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we're building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. Job Description Are you ready to bring a strategic vision that inspires and leads a high-performing sales team? Do you thrive on setting ambitious goals and motivating others to achieve them? Drive growth and lead a high-performing sales team in a fast-paced banking environment as Head of Retail & Services - Central/East Merchant Sales, ICG. This role focuses on setting bold goals, crafting innovative strategies, and building strong customer and industry relationships. If you're ready to shape market success and make a measurable impact, this is your opportunity. Lead and inspire a high-achieving sales team focused on delivering banking products and services within a defined region or industry segment. This role combines strategic leadership with hands-on execution to drive growth and strengthen customer relationships. Key Responsibilities Oversee and guide a team of sales professionals, ensuring alignment with revenue, volume, and market share objectives. Directly manage key client relationships and support your team in closing opportunities with customers and prospects. Set and achieve ambitious sales goals, budgets, and marketing strategies for assigned products and services. Build and maintain profitable customer relationships while identifying market trends and competitor actions to stay ahead. Develop and manage the annual budget for your area, ensuring financial targets are met. Foster partnerships with industry associations to expand influence and market presence. Train, motivate, and provide daily leadership to your team, creating an environment of growth and success. Basic Qualifications Bachelor's degree, or equivalent work experience Typically eight to 10 years of relevant experience Preferred Skills/Experience Advanced knowledge of sales and sales strategies Effective verbal and written communication skills Strong management and leadership skills Demonstrated new business development and relationship management skills Effective customer service/relations skills Thorough knowledge of banking products/services, banking operations, and current market trends Ability to make important decisions independently If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants. Benefits: Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Pregnancy disability and parental leave 401(k) and employer-funded retirement plan Paid vacation (from two to five weeks depending on salary grade and tenure) Up to 11 paid holiday opportunities Adoption assistance Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $111,605.00 - $131,300.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. Posting may be closed earlier due to high volume of applicants.

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One. Job Description Partners with their assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. Participates in projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations. Identifies gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. Identifies, responds and/or escalates risks as appropriate. Serves as a functional liaison between the Line of Business and the Lines of Defense. Basic Qualifications * Bachelor's degree, or equivalent work experience * Typically more than two years of applicable experience Preferred Skills/Experience * Intermediate knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business * Intermediate understanding of the business line's operations, products/services, systems, and associated risks/controls * Basic knowledge of Risk/Compliance/Audit competencies * Strong analytical, process facilitation and project management skills * Effective presentation, interpersonal, written and verbal communication skills * Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations This role requires working from a U.S. Bank location three (3) or more days per week. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants. Benefits: Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): * Healthcare (medical, dental, vision) * Basic term and optional term life insurance * Short-term and long-term disability * Pregnancy disability and parental leave * 401(k) and employer-funded retirement plan * Paid vacation (from two to five weeks depending on salary grade and tenure) * Up to 11 paid holiday opportunities * Adoption assistance * Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $66,640.00 - $78,400.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. Posting may be closed earlier due to high volume of applicants.

As a First Commonwealth Financial Solutions Specialist I you will live out our Mission to improve the financial lives of our neighbors and their businesses. You will understand the importance of the customer experience, and the role each employees plays in delivering on our Customer Service Promise every day. Through your involvement in day-to-day operations you will learn to create an amazing experience in the Center for employees and customers. You take personal pride in solving problems for your personal and business customers and you will own issues from beginning to end and help keep the Financial Solutions Center running smoothly and efficiently. You get excited about building relationships and identifying opportunities to equip our customers with financial solutions that will help them achieve Financial Confidence. You are intellectually curious, enjoy engaging customers in conversations to assess their needs, have strong listening skills and are not afraid to ask for your customers' business. You will work with your Manager on your Pathways progression and personal development, because you know that, as a Financial Solutions Specialist, you can change people's lives. As a Financial Solutions Center Specialist you are eligible for quarterly sales & service incentives. What Great Looks Like in this Role_________________________________ As an FSS I, your days will be divided into 5 essential job functions: 1. Champion Operations and Compliance - 80% of your time will be spent protecting the privacy and security of our customers. You will do this through the following activities: a. Protect the privacy and the security of our customers b. Process daily transactions and be alert to fraud c. Follow proper cash handling, teller differences and dual control guidelines d. Always maintain proper cash limits including drawer, vault and total FSC limits e. Mitigate risk by adhering to FCB policies, procedures and processes f. Ask questions and seek guidance 2. Grow Consumer Relationships - 5% of your time will be spent establishing and growing consumer relationships through the following activities: a. Engage in productive conversations on inbound calls and at the drive thru b. Utilize marketing campaigns to inform customers about our products and promotions c. Ask for referrals and advocate for the Refer-A-Friend program d. Partner with your team to uncover additional needs based sales opportunities 3. Deepen Consumer Relationships - 5% of your time will be spent growing relationships with your existing customer base. You will do this through the following activities: a. Conduct service related outbound calls and achieve assigned call goal b. Identify partner referrals by asking purposeful questions c. Obtain unsecured lending certification to uncover non-real estate secured lending opportunities 4. Personal Development - 10% of your time will be spent ensuring that you are engaging in the right activities to drive growth, both in balance sheets and in yourself. This will happen by engaging in the following activities: a. Take ownership of your own development b. Progress toward completion of Pathways c. Learn BUILD and BUILD 2.0, our sales conversation framework d. Become a subject matter expert on our digital products e. Stay informed with Need2Know and First2Know f. Complete all required trainings in a timely manner 5. Customer Experience - every day, every customer, every interaction you will always have the following at the top of your mind: a. Live our Mission and Core Values b. Be a Champion of our Customer Service Promise to Put Customers First, Be Relentless, Inspire Confidence, Champion Simplicity and Obsess with Yes c. Increase the sales effectiveness and efficiency of your team by championing BUILD and conducting consistent outbound calling d. Promptly follow-through and ensure you are the single contact for problem resolution e. Follow the "One to say YES, two to say NO" rule f. Maintain the highest standard of conduct and account integrity for yourself and your team Bona Fide Occupational Qualifications___________________________ 1. A high school diploma or equivalent. 2. Two (2) or more years of relevant experience in a client-centric sales environment with a proven track record of exceeding assigned goals, delivering a high level of client service and adhering to operational expectations. 3. Excellent communications skills, passionate about helping others, motivated to learn, solutions-based sales skills, professionalism, resourcefulness, exceptional relationship-building skills, ability to excel in a complex and dynamic environment. 4. Technologically savvy (i.e., Microsoft Office, Internet, mobile technology, bank systems). 5. A valid driver's license and ability/willingness to travel regionally.

Commercial Real Estate Underwriter II-Arizona Remote This role is responsible for assisting UMB relationship managers in the assessment and underwriting of new SBCRE (Small Balance Commercial Real Estate) managed investment loans (non-owner occupied CRE loans $1,000,000 to $5,000,000) in accordance with established underwriting policies, practices and standards. How you will spend your time: Partner with UMB relationship managers to perform credit underwriting duties for existing/prospective client relationships, which may include but are not limited to the following: Perform detailed credit analysis to determine borrower/guarantor repayment capacity Appropriate loan structuring recommendations Complete all of or portions of the credit packages (as agreed with the relationship manager) for submission to credit committee for approval (new business and renewals) Preparation of underwriting documents will also include collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request. Present loan submissions to the UMB senior loan committee on behalf of relationship managers and answer questions relative to the review and approval of the loan (as requested). Review appraisal upon receipt to confirm appraisal assumptions are in line with underwriting assumptions and satisfy any approval conditions. Provide recurring customer service to existing and prospective clients, which includes direct contact with customers either through participation in joint sales calls with relationship managers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE (The Unparalleled Customer Experience) at all times. File all required forms and reports and resolve all related issues in a timely and efficient manner. Work with team members in loan operations, credit analysis, regional commercial banking, business banking, special asset management group, loan review, public finance, capital markets and international banking to coordinate commercial loan decisions, the closing process, plus ongoing commercial loan administration. Lead/participate in various REG underwriting related projects, as available. May mentor less experienced REG underwriters and/or portfolio managers. We're excited to talk to you if you have: Bachelor's degree in business, accounting, finance or related fields 5+ years of commercial banking (including specific CRE) experience including credit underwriting Excellent communication skills (verbal & written) Expert knowledge & understanding in how to identify and process maturing loans, line renewals, term loans that need to be extended, how loans can be restructured, approval process, change terms, new underwriting, etc. Expert level of understanding of credit underwriting of all major investment CRE property types Demonstrates strong knowledge of bank products, services, and bank operations Ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents Strong analytical skills, including underwriting of CRE properties and markets; and guarantor financial statements, including real estate schedules Ability to be self-starter, show initiative, and transfer knowledge to less experienced peers Strong proficiency in Word, Excel, PowerPoint and commercial lending software Compensation Range: $69,230.00 - $149,000.00 The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information. UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. Are you ready to be part of something more? You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to ************************* to let us know the nature of your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.