Commercial Bank Jobs

Responsible for the management and operation of the branch staff to ensure branch profitability is met and customer satisfaction is exceeded. Implements policy, ensures proper security controls, assures conformance with compliance, and has total knowledge of products, services, policies, procedures and systems, practices excellent customer service skills and exercises managerial authority as a team leader. The Assistant Branch Manager is also responsible for assisting all customers with new and existing deposit accounts and personal lending needs. Essential Duties and Responsibilities Included but are not limited to: * Directly manage the CSR and SuperBanker staff; preparing work schedules, delegating responsibilities and appropriately assigning duties to staff to ensure efficient operation of the branch occurs. * Carry out account related & SuperBanker responsibilities as needed within the branch to ensure customer needs are exceeded. Including, but not limited to, deposit functions, account opening and consumer lending. * Provides exceptional customer service delivery, fostering an environment that cultivates relationships with existing and new customers, local businesses, and community stakeholders. * Listen and refer banking products and solutions to existing and new customers to deepen their relationship with Commercial Bank. * Take, address, and resolve customer issues and complaints while including appropriate parties within the bank. * Maintains superior product knowledge for all products and services and the procedures for selling, opening, and servicing products and services related to deposits and consumer lending. * Work with the Senior Branch Manager to ensure team understands branch and company-wide objectives for collective contribution to success, while establishing standards, setting realistic goals, and maintaining team accountability by holding staff responsible. * Ensure adherence to regulatory and compliance standards is followed through all responsibilities. * Develops an effective network of communication within the branch team and with key working departments to ensure shared knowledge and understanding of business activities. * Identifies, address and escalate systemic issues and takes the appropriate actions to remedy exceptions. Managerial Responsibilities Included but not limited to: * Be an exemplary leader fostering a positive and productive work environment. * Supervise the branch team: interview job applicants, make hiring and termination decisions in-line with Senior Branch Manager and Human Resources, coordinate training and development for branch staff and address employee performance appropriately. * Continually develop self and branch staff by communicating regularly, conducting staff meetings, meet one-on-one with staff, develop skills, provide ongoing training, and share process/procedural changes as they arise. * Provide accurate and timely performance reviews and salary adjustments to staff. * Manages employee time records and approval of paid time off. * Additional duties and projects as assigned by management. Other Functions 1. Familiar with and abides by all bank regulations including but not limited to BSA and OFAC. 2. Adhere and comply with all Bank Policies. 3. Other duties as assigned. Requirements Job Qualifications & Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Education/Certification/Licensing: * High School Diploma/GED required. * Advanced education in accounting, business administration or related field preferred. Experience: * Minimum requirement of 1 year banking or related experience required. * At least 1 year of prior supervisory/management experience preferred. Other Requirements: * Good understanding of the Horizon system, Word, Excel, Outlook * Good understanding of bank policies and procedures. * Ability to identify priorities and meet deadlines. * Ability to multitask. * Requires team-building skills. * Excellent written, verbal, interpersonal, and problem-solving skills; ability to communicate effectively and project a professional image. * This position may require Saturday hours. Equipment Used * PC, laser printer, calculator, copy machine, fax machine, DL scanner, check encoder, mobile devices such as iPad and iPhone or similar. Software Used * Word, Excel, PowerPoint, Publisher, Adobe Reader, Outlook, Horizon XE, FIS Image Centre, BAI Learning & Development and various other financial institution platform systems. Physical Demands While performing the duties of this job, the employee is frequently required to work in front of a computer for extended periods of hours; use hands to finger, handle, or feel and talk or hear. Must be able to travel from location to location throughout the office and to other bank offices, clients, and outside meetings. The employee is occasionally required to reach with hands and arms; stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision, depth perception and ability to adjust focus. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. In-person work is required however telework exceptions may be applicable. Regular and prompt attendance is required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job operates in a professional office setting with low to moderate noise level work environment; and, at times in various other environments of the clients they meet with. Equal Employment Opportunity & ADA Compliance: Commercial Bank provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. Equal employment opportunity applies to all terms and conditions of employment including hiring, placement, promotion, termination, layoff, recall, transfer, leave of absence, compensation, and training. To ensure equal employment opportunities to qualified individuals with a disability, Commercial Bank will make reasonable accommodations for the known disability of an otherwise qualified individual, unless undue hardship on the operation of the organization would result. We support and promote equal employment opportunity, human dignity, and racial, ethnic, and cultural diversity by taking positive steps to eliminate barriers that may exist in hiring and in employment practices. Discrimination of any type will not be tolerated.

WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews. What you will do * Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies * Identifies issues and recommends appropriate resolution within policy service level agreements * Analyzes and determines the financial capacity of the borrower's ability to repay: * Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads * Reviews for stability of residency and employment * Verifies income per established policy * Identifies any exceptions to current policies * Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid * Accurately sets and clears conditions * Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required * Updates System(s) with pertinent information and appropriate data as required * Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority * Originates appropriate client letters; Commitment, Counter Offer, Declination * Certifies and provides a final Workbook to the Processor * Ensures compliance with bank and statutory/regulatory guidelines * Client Satisfaction * Promotes a team environment fostering a positive working environment * Functions as a collaborator and innovator to drive continuous improvement * Provides guidance and support to the RLC and Processor when required * Utilizes systems and tools to ensure that the RLC's are updated on the status of loans * Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met * Provides timely, complete and accurate response to inquiries * Handles all situations in a professional and ethical manner * Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions * Supports and contributes to the quality and customer satisfaction goals of the bank * Productivity * Ensures all goals and service level agreements (SLAs) are met * Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management * Consistently meets quality control and data integrity standards * Effectively utilizes available systems, workflow and imaging tools * Mentor and train Underwriters I and II * 2nd level review of Underwriters I and IIs' work * Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. *Must-Have** * Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required. * Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required * Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). *Skills and Knowledge* * Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required * Familiar with FNMA/FHLMC guidelines * Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. * Superior ability to communicate effectively in both verbal and written form * Strong time management skills to plan and organize a high daily loan volume * Strong ability to be very detail oriented * Must be a team player and work constructively with their fellow colleagues * Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives *Compensation* Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.' ABOUT CITY NATIONAL We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.

Credit Solutions Advisor II At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! Job Description: This job is responsible for providing specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of client's life plan. Key responsibilities include acquiring new and deepening existing client relationships by conducting client meetings and presenting customized solutions to clients to help them achieve their financial goals. Job expectations include effectively balancing sales performance, operational risk, and client relationship care by leveraging expertise. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination. Responsibilities: * Recommends financial advice and guidance that align with the clients' financial goals and needs * Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank * Analyzes the client's financial needs and applies knowledge of borrowing and banking to recommend alternative or additional financial services that best align with the client's unique priorities * Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs * Makes decisions on client requests and makes referrals to appropriate internal partners based on client needs * Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates during meetings to assist with team delivery of an exceptional client experience Required Qualifications: * Minimum of 2 years of mortgage origination experience. In lieu of this requirement, has previously held the role of: * Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year * Knowledge of credit and home lending requirements * Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively. * Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone. * Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information. * Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution. * Strong written and verbal communications skills. * Ability to handle ambiguity and adapt to changing circumstances. * Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic. * Can be flexible to work weekends and/or extended hours as needed. * A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally. * Ability to learn and understand technology. * Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies. Desired Qualifications: * Experience working in a financial center where goals were met or exceeded. * Knowledge in analyzing and comprehending complex financial data and providing financial alternatives. * Knowledge of banking products and services. * Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. * Experience in a loan origination role in a retail environment and knowledge of * Mortgage Products (Conventional, Jumbo and HELOC, Government) * Structuring, Processing, underwriting and closing procedures * Federal regulations governing real estate lending * FHA and HUD guidelines * Other Lending Products (Credit Card, Vehicle Loans) * Strong computer skills including MS applications and previous experience utilizing laptop technology. Skills: * Client Management * Client Solutions Advisory * Customer and Client Focus * Referral Identification * Risk Management * Client Experience Branding * Credit Documentation Requirements * Credit and Risk Assessment * Pipeline Management * Referral Management * Attention to Detail * Collaboration * Issue Management * Prospecting * Relationship Building Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

Be Proud, Be You, Be Independent! Are you a skilled Customer Service professional looking to take the next step in your career? Or maybe even an early Wealth Management professional seeking to acquire licensing? If so, we need you! At Independent Bank we promote a culture that encourages professional growth and embraces the collective sum of your individual differences, life experiences, knowledge, innovation, self-expression, unique capabilities and talent. We value diversity of thought, ideas, and background. Our inclusive and collaborative culture helps us find the best solutions to meet the needs of our clients and company. About the Job: Being a Digital Banker is an exciting journey to creating a fulfilling and rewarding career as a member of the Digital Banking team at Independent Bank. As a Digital Banker, you will focus on learning and/or reviewing the basic banking functions, and the fundamental banking terms, products, and solutions offered by Independent Bank. Although your primary role is to service the customer through various digital channels (which include phone, email and online banking), you may also grow to conduct new account opening, lending, or even participate in our Licensed Bank Executive Pilot Program! Why You Should Apply: Competitive compensation package. Accommodating and flexible paid time off. A knowledgeable, goal-driven, and exciting team of colleagues. Exposure to different areas of banking and the ability to work with leaders within the industry. Community-focused events and volunteer opportunities. What You Will Do: Services and provides solutions to Independent Bank clients in a friendly and efficient manner. Provides support in a fast-paced environment. Has a thorough understanding of how to solve complex issues through digital channels. Delivers financial solutions to clients utilizing the Independent Bank products and services. Utilizes all available technology to perform daily tasks. Understands the basic framework of Independent Bank products including but not limited to consumer and business accounts and digital banking. Fully knowledgeable regarding bank policies and procedures. Responsible for completing the modules and metrics of the position and continuing education as assigned through the Career Path. Performs other related duties as assigned. What We're Looking For: High school diploma or equivalent education required. Customer service and/or cash handling experience preferred but not required. Excellent interpersonal, presentation and communication skills. This includes verbal and non-verbal forms of communication, email and phone etiquette and the ability to work cohesively as part of a team. Able to thrive in a fast-paced and rapidly changing environment while maintaining a commitment to accuracy, timeliness and customer focus. Full understanding of the Independent Bank customer service standards and following these standards daily. Ability to adapt and adjust to new ideas, processes, workflows, and systems. Be Proud. Be YOU. Be Independent!

Be Proud, Be YOU, Be Independent! Are you an experienced Banking Professional looking to progress in your career? If so, we need you! At Independent Bank we promote a culture that encourages professional growth and embraces the collective sum of your individual differences, life experiences, knowledge, innovation, self-expression, unique capabilities and talent. We value diversity of thought, ideas, and background. Our inclusive and collaborative culture helps us find the best solutions to meet the needs of our clients and company. About the Job: The AVP Bank Manager is responsible for efficiently and effectively managing a full-service retail banking office, ensuring that all established policies and procedures are followed. This position will positively influences branch profitability by expanding and developing new personal and business banking relationships. Employee in this position will consistently deliver high quality customer service, develop customer base and grow branch portfolio in a cost effective manner. Why You Should Apply: Competitive compensation package. Accommodating and flexible paid time off. A knowledgeable, goal-driven, and exciting team of colleagues. Exposure to different areas of banking and the ability to work with leaders within the industry. Community-focused events and volunteer opportunities. What You Will Do: Manage employees, organize and direct activities, maximize branch profitability, provide high level of quality customer service and has overall daily operational responsibility for the performance of the office location. Participates in the selection, training and development of assigned staff; completes and conducts performance reviews; acts as final authority for basic issue resolution at office level. Oversees organization of branch sales, operations and service processes and procedures to maximize customer service and staff productivity and operational efficiencies. Ensures staff compliance with regulations, requirements and procedures; ensures staff follows operational and security policies and procedures. Develops and maintains profitable, multi-product relationships with individuals, small businesses and other organizations within their respective community. Calls on prospective and existing customers to develop professional relationships for the purpose of developing new business relationships. Initiates and/or collects customer loan applications; interviews loan applicants; forwards loan applications and appropriate supporting documentation for review. Works with Community Banker to establish, achieve and/or exceed branch performance and personal production goals; ensures that staff members meet or exceed established sales and CRA goals. Manages cost effectiveness of the branch; maximizes profitability. Supports the organizations Community Reinvestment Act (CRA) goals through business development efforts; educates branch staff in CRA requirements including documentation. Reviews, audits, modifies and/or prepares a variety of operational and financial reports and general correspondence within required timeframes. Participates in establishing and overseeing staff training and development plans; coaches employees daily/weekly as necessary. Receives and resolves routine customer issues and inquiries. Involves Community Banker when necessary. Performs other related duties as assigned. What We're Looking For: Associate's or Bachelor's degree or equivalent of working experience. 3+ years of sales experience, preferably in a retail banking environment. 2+ years of management experience, or 3+ years in a Team Leader or Assistant Manager position. Adhere to all applicable regulatory compliance and personnel policies in the fulfillment of the specific duties of the position, including Bank Secrecy Act (BSA), confidentiality, information security, and ethical standards. Completes all online compliance and regulatory courses. Knowledge of key banking operations and security policies, practices and procedures. Knowledge of effective customer service methods and practices. Ability to meet and/or exceed established sales, operational and CRA goals. Ability to manage and lead others to achieve desired results. Ability to provide solutions to a wide variety practical and customer service challenges and problems. Excellent interpersonal and communication skills. Strong sales skills in a retail environment. Be Bold. Be YOU. Be Independent!

Join a growing community bank in Southeast Michigan. Bank Michigan is currently seeking qualified applicants for the position of Senior Commercial Loan Closing Coordinator. Hybrid-Remote work available with onsite time required from either the Brooklyn or Ann Arbor office. JOB SUMMARY The Senior Commercial Loan Closing Coordinator is responsible for generating accurate loan documentation and the coordination of all aspects of commercial loan closings to ensure compliance with regulations and bank policies. Works collaboratively with various third party sources, assembles digital files, and verifies all proper documentation and collection of required due diligence. Knowledge of or general experience with SBA loans and SOP guidelines preferred. Candidates should be very detail oriented, demonstrate exceptional critical thinking skills and ability to prioritize work tasks. Job Responsibilities: Primary: Prepares all loan documentation required based upon a loan approval document that has the approving signatures per loan policy. Ensures loan documentation (internally or attorney prepared) is complete and conforms to all terms and conditions of the loan approval, meets regulatory requirements, ensures collateral perfection and satisfies all closing requirements prior to funding. This may include new money, renewals, extensions, and modifications of multiple commercial loan types. Coordinates and communicates with all bank and external partners to support the closing process, including Loan Officers, Underwriters, Title Companies, Legal Counsel and Clients. Responsible for the determination of requirements, review and completion of due diligence associated with loan documentation and closing process for Commercial and, from time-to-time, Consumer loans. Supports cross-training of team members in the operations of loans and/or the relevant programs/systems. Understands the legal and procedural requirements of each loan type and the corresponding processing/underwriting requirements thereof. Verifies all loan file data includes the proper details (i.e. legal descriptions, signatures, dates, covenants, monetary figures, entity authority, etc.) Supports Quality Control review of files/documents, general file review and exception item clean-up as needed. Must be proficient in all computer programs/systems used to operate the loans, (including Bankway, LaserPro, Abrigo, etc.). Prepares and maintains procedural documentation of relevant tasks/responsibilities. Prioritizes work according to necessity, complexity and deadlines. Supports and resolves inquiries throughout loan operations. Responds to customer inquiries. Acts as an advocate for the Bank in all interactions both internally and externally, including overall product knowledge of deposit and loans for aligning customers/prospects with the products that best meet their needs. Attends regular trainings/seminars both inside and outside the bank, as needed. Work harmoniously and collaboratively with team members to accomplish bank objectives. Other: Excellent written and oral communication skills. Assists with other duties as assigned. Ability to utilize general office equipment, Internet and various business software programs (i.e. MS office). Job Requirements: Education: Associate's Degree in business, economics, finance or equivalent combination of education/experience. Certifications: None Required Knowledge, Skills, Abilities, Training and Experience: Minimum of 5 years of prior banking experience required; prior loan operations/servicing experience required; knowledgeable with loan file structure and familiarity with loan origination software such as LaserPro. Excellent interpersonal communication, attention to detail and critical-thinking abilities. Naturally inquisitive and takes initiative to problem solve. Successful completion of in-house training program. Ability to work autonomously and with little guidance. Displays the confidence and competence to gain/maintain the Bank's credibility. Takes initiative to learn, develop oneself and see tasks, duties and projects through from start to finish. See attached job description for full position details. EEO Statement: Bank Michigan provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. Further, the company takes affirmative action to ensure that applicants are treated fairly during employment without regard to any of these characteristics. Discrimination of any type will not be tolerated. Must successfully complete a comprehensive background check.

WHAT IS THE OPPORTUNITY? This position is responsible for sales of first mortgage and concurrent second loan products to existing and potential banking diverse segment clients. Community Loan Officer duties include outside sales activities to cultivate new business and expand CNB's client relationships through the sale of mortgage loan products and services, uses consultative sales skills in support of sales and business development activities, meets directly with clients in to assess client needs and present multiple mortgage product solutions, and ethically market and promote the bank's mortgage products as require in growing his/her assigned territory. Regularly and customarily travels to prospective client and referral source locations (away from CNB offices) to perform sales, business development, and related activities; following up by telephone or electronic mail as needed. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act. WHAT WILL YOU DO? * Outside Sales: Originate residential mortgage loans and related bank products and expand network of referral sources. Originations, in large part, are to be sourced through professional relationships (example: realtors, attorneys, CPAs, business managers, nonprofits, trade organizations, financial advisors) that fit within the banks overarching financial and diverse strategy * Calls on clients or their designated representative's and referral sources at their places of business or other locations away from the office to prospect for and originate mortgage loans * Provide sound and ethical loan counseling to all potential applicants. * Act as liaison between Bank and customer during processing and underwriting, as procedures dictate, to ensure timely processing and best in industry customer service * Complete the loan application and related processes with applicants while keeping with Bank policies, procedures and product guidelines and with applicable laws, regulations and accepted business practices. * Forward substantially complete application packages to Processing and Underwriting within a system that adheres to TRID requirements * Develop and/or implement sourcing strategies as required by written goals. * Meeting or exceeding quantitative and qualitative goals as designed by sales management. Pursuing and fulfilling compensation goals within the spirit in which they were designed and with respect to the CNB brand * Stay abreast of sales and business development techniques, product offerings, legal and regulatory requirements and industry and real estate trends. * Acquire and maintain proficiency in the use of the specific software systems utilized by the bank directly and indirectly related to mortgage originations * Attend regularly scheduled sales meetings, training sessions and Bank functions. * Perform other duties as requested or assigned by management, such as special projects within the Residential Lending Division * Foster and maintain active relationships with civic organizations within assigned territories for community service and business development purposes. * Commitment to work of nonprofit organizations and making a positive impact in the community * Increase mortgage loan volume, primarily focusing on underserved communities and low to moderate income consumers and geographies or targeted areas WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * H.S. Diploma * Minimum 5 years of retail residential mortgage sales experience * Minimum 3 years of mortgage or financial experience as part of a community lending team * Minimum of 5 years of experience with diverse and underserved clients * Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act; Must remain in good standing under the Safe Act. *Additional Qualifications* * Highly prefer network of professional and nonprofit referral sources * Highly prefer a BA/BS degree with preference for business, finance, or economics degree * Demonstrated superior sales and marketing ability * Consistent written and verbal communication that is professional, thoughtful, clear and effective across all audiences, both inside and outside the bank * Preferred experience with Net Oxygen, Salesforce, Blend, and Microsoft Office suite * Knowledge of mortgage credit policies and current industry compliance standards * Must meet and comply with all requirements set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLS. * Promote the Bank's CRA efforts, fair and responsible banking goals, and the underserved communities *WHAT'S IN IT FOR YOU?* *Compensation* This is a commission-based role and does not have a set salary range. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.

Be Proud, Be You, Be Independent! Are you an experienced Banker or Bookkeeper looking to take the next step in your career? If so, we need you! At Independent Bank we promote a culture that encourages professional growth and embraces the collective sum of your individual differences, life experiences, knowledge, innovation, self-expression, unique capabilities and talent. We value diversity of thought, ideas, and background. Our inclusive and collaborative culture helps us find the best solutions to meet the needs of our clients and company. About the Job: We are seeking an Exception Processing Specialist to join our team. This role involves processing overdrafts, non-post transactions, holds, check adjustments, stop payments, ACH returns, and balancing considerations. The specialist will work closely with the Retail, Loss Prevention, and Balancing departments to ensure accurate and timely processing. If you have a keen eye for detail, strong collaborative skills, and a commitment to excellence, we invite you to apply. Join us to inspire financial independence today, with tomorrow in mind by helping maintain our high standards of service and accuracy. Why You Should Apply: * Competitive compensation package. * Accommodating and flexible paid time off. * A knowledgeable, goal-driven, and exciting team of colleagues. * Exposure to different areas of banking and the ability to work with leaders within the industry. * Community-focused events and volunteer opportunities. What You Will Do: * Review NSF/OD items to be processed or returned based on set criteria or by obtaining authorization from bank personnel. * Make corrections to Exception/Non-post Items (i.e no account found, closed account, etc.). * Monitor completion and audit accuracy of stop payment/hold documents. * Processing Large Dollar notifications through EARNS via an internet site. * Maintain and clear considerations in general ledger account(s). * Monitor ACH reporting, for returns, notification of change, unresolved items. * Process deposit returns through TCM system, including IRD printing, generation of customer notices, and confirm notices are stuffed for mailing. * Research information and answer requests from bank personnel. * Responds to Tracer Requests, and/or Return Requests submitted by other Financial Institutions, or Gov't agencies. * Create Account to Account ACH batch, work with Loss Prevention to prevent fraud. * Process and monitor check adjustments in conjunction with the Research department. * Process Instant Issue cards, support branches with instant issue machines, troubleshooting and inventory needs. * Performs other related duties as assigned. What We're Looking For: * High school diploma or equivalent education required. * Associates Degree or equivalent working experience preferred. * Prior banking, accounting or bookkeeping experience preferred. * Excellent interpersonal, presentation and communication skills. This includes verbal and non-verbal forms of communication, email and phone etiquette and the ability to work cohesively as part of a team. * Able to thrive in a fast paced and rapidly changing environment while maintaining a commitment to accuracy, timeliness and customer focus. * Ability to adapt and adjust to new ideas, processes, workflows and systems. Be Proud. Be YOU. Be Independent!

Full-time Description The Assistant Loan Operations Manager is primarily responsible for the leadership, development, and performance of employees within the Commercial Loan Support, Commercial Loan Documentation, and Mortgage Loan Documentation teams. This role focuses on building a strong, collaborative work environment that supports employee engagement, professional growth, and operational excellence. Working in close partnership with Human Resources, Compliance, and Lending Leadership, this manager ensures that team members are well-supported, well-trained, and positioned for success. Essential Duties and Responsibilities Included but are not limited to: · Provide leadership, coaching and direction to teams responsible for commercial loan support, commercial loan documentation, and mortgage loan documentation. · Promote a positive, inclusive work culture that values teamwork, accountability, and open communication. · Ensure timely and accurate processing of commercial and consumer loan documents and mortgage files in compliance with internal policies and regulatory requirements. · Ensure prompt and precise servicing of commercial, consumer, and mortgage loans in accordance with internal policies and regulatory standards. · Develop and implement efficient workflows, procedures, and quality control standards. · Collaborate with lenders and underwriters to resolve documentation or processing issues and improve turnaround times. · Monitor and manage performance metrics, ensuring service levels and productivity goals are met. · Coordinate training and professional development opportunities for team members. · Work closely with Human Resources department to address employee relations, manage performance issues, assist with staffing needs, and support overall team well-being. · Partner with Compliance and risk management to ensure regulatory adherence, including audit preparedness. · Identify opportunities for process improvements and technology enhancements. · Resolve employee concerns and support team members in navigating work-related challenges. Other Functions 1. Familiar with and abides by all bank regulations including but not limited to BSA and OFAC. 2. Adhere and comply with all Bank Policies. 3. Other duties as assigned. Requirements Job Qualifications & Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Education/Certification/Licensing: · High School Diploma/GED required. · Advanced education in accounting, business administration or related field preferred. Experience: · Minimum of 3-5 years in a supervisory or management role. · Strong knowledge of commercial loan documentation, mortgage loan documentation, and related regulations · Comfortable managing performance, coaching, and navigating employee issues in partnership with HR. · Experience with loan origination systems and document preparation software. · Proven leadership, organizational, and project management skills. · Ability to work cross-functionally and manage multiple priorities in a fast-paced environment. · Excellent communication, problem-solving, and decision-making skills. . Other Requirements: · Excellent written, verbal, interpersonal, and problem-solving skills; ability to communicate effectively and project a professional image. · Familiarity with basic employment law or HR best practices. · Training or certification in leadership or employee management (preferred but not required). · Requires excellent communication skills, both written and verbal. · Strong supervisory and leadership skills. · Must be able to multitask. · Must possess PC skills at an intermediate level. Ability to use the Internet. · Ability to learn compliance and law issues as they apply to lending. Equipment Used · PC, laser printer, calculator, copy machine, scanner, fax, typewriter, mobile devices such as iPad and iPhone or similar. Software Used · Word, Excel, PowerPoint, Publisher, Adobe Reader, Horizon XE, FIS Image Centre, BAI Learning & Development and various other financial institution platform systems. · Finastra Laser Pro and MortgageBot, FIS Horizon XE, Word, Excel, PDF, FCM, ETran, USDA, ProSign, FarmerMac, DocMagic Physical Demands While performing the duties of this job, the employee is frequently required to work in front of a computer for extended periods of hours; use hands to finger, handle, or feel and talk or hear. Must be able to travel from location to location throughout the office and to other bank offices, clients, and outside meetings. The employee is occasionally required to reach with hands and arms; stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision, depth perception and ability to adjust focus. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. In-person work is required. Regular and prompt attendance is required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job operates in a professional office setting with low to moderate noise level work environment; and, occasionally in other environments where the clients are located. Equal Employment Opportunity & ADA Compliance: Commercial Bank provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. Equal employment opportunity applies to all terms and conditions of employment including hiring, placement, promotion, termination, layoff, recall, transfer, leave of absence, compensation, and training. To ensure equal employment opportunities to qualified individuals with a disability, Commercial Bank will make reasonable accommodations for the known disability of an otherwise qualified individual, unless undue hardship on the operation of the organization would result. We support and promote equal employment opportunity, human dignity, and racial, ethnic, and cultural diversity by taking positive steps to eliminate barriers that may exist in hiring and in employment practices. Discrimination of any type will not be tolerated.

Be Proud. Be You. Be Independent! Are you an experienced Credit Analyst, Accountant, or even CPA looking to advance in your career? If so, we need you! At Independent Bank we promote a culture that encourages professional growth and embraces the collective sum of your individual differences, life experiences, knowledge, innovation, self-expression, unique capabilities and talent. We value diversity of thought, ideas, and background. Our inclusive and collaborative culture helps us find the best solutions to meet the needs of our clients and company. About the Job: Independent Bank is on the lookout for a diligent Commercial Loan Credit Analyst to join our thriving team. Reporting to the VP/FVP Commercial Credit Officer, your primary role will be to perform comprehensive commercial loan credit analysis. You'll prepare detailed credit analyses and loan proposals, spread financial statements, and conduct thorough credit reviews. Your keen analytical skills will help determine cash flow, debt service ability, balance sheet strength, and collateral coverage. You'll review loan structures, assign credit risk ratings, and join officers on customer calls. Additionally, you'll assist in compiling monthly, quarterly, and annual financial reports. Help to inspire financial independence today, with tomorrow in mind at Independent Bank! Why You Should Apply: Comprehensive total rewards package. A knowledgeable, goal-driven, and exciting team of colleagues. Exposure to different areas of banking and the ability to work with leaders within the industry. Community-focused events and volunteer opportunities. What You Will Do: Spreading financial statements for borrowers, co-borrowers, guarantors, and others as requested; Performing and reviewing credit inquiries; Using independent judgment to analyze financial information in order to determine: Sufficiency of cash flow; Debt service ability; Collateral adequacy; and Borrower risk rating. Reviewing/recommending loan structures consistent with bank policies and guidelines; Preparing credit analysis and loan proposals that assist in the prudent granting of credit; Performing trend analysis on financial reports of borrowers to evaluate their ongoing credit-worthiness; Accompanying lenders on customer contact calls; Performs other related duties as assigned. Knowledge, Skills, and Abilities: Bachelor's degree in Accounting, Business, Finance or equivalent years of working experience. 2+ years commercial credit analyst experience preferred. Excellent interpersonal, presentation and communication skills. Must be conversant with (at least) intermediate level accounting (cash/accrual basis, cost, and contractor), lending experience helpful. Be Proud. Be YOU. Be Independent!

Assume responsibility for developing new loan and deposit customers while servicing existing loan customers in assigned portfolio. Must have the ability to establish and promote business development efforts throughout the bank's market which lead to relationship and lending opportunities. This position requires a high level of organizational skill and attention to detail. Ability to communicate effectively with both customers and bank staff, both verbally and in writing. Ability to understand, analyze and structure various types of commercial loan requests. Must be able to identify priorities and deadlines and determine work schedule to meet those deadlines. Must demonstrate sales and business development skills. Must maintain a high level of confidentiality. Must possess PC skills at an intermediate level. Ability to learn compliance and legal issues as they apply to business loans. Ability to make decisions within set parameters. Essential Duties and Responsibilities Included but are not limited to: * Develops and manages a customer portfolio that includes commercial loans, consumer loans and deposit products. * Attends loan committee meetings as required, with the ability to provide structural feedback to the committee. * Processes loan maturities and renewals. * Collects all necessary documents to submit to the Credit Department for analysis. * Assists the Credit Department with loan information for loan committee presentations. * Represents the Bank at various networking functions to further the Bank's reputation and reach in the community. * Performs job functions in compliance with all company policies, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC, and GLBA/privacy rules. * Other responsibilities will include assisting in the overall management of the branch as well as supporting other needs that may arise in the course of running a bank. * Close loan with borrower(s) * Conduct collection activity on delinquent loan accounts - including phone calls, written correspondence, and face-to-face contact with borrower and property inspections. Other Functions 1. Familiar with and abides by all bank regulations including but not limited to BSA and OFAC. 2. Adhere and comply with all Bank Policies. 3. Other duties as assigned. Requirements Job Qualifications & Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Education/Certification/Licensing: * Associates degree in finance, business, economics or a related field of study. Experience: * Minimum requirement of 3 years' experience in commercial lending or related experience preferred. Other Requirements: * A high level of organizational skills * Strong organizational skills * Excellent written, verbal, interpersonal, and problem-solving skills; ability to communicate effectively and project a professional image. Equipment Used * PC, laser printer, calculator, copy machine, scanner, fax, mobile devices such as iPad and iPhone or similar. Software Used * Word, Excel, PowerPoint, Publisher, Outlook, Harland Laser Pro, Bankway, Adobe Reader, Horizon XE, FIS Image Centre, BAI Learning & Development and various other financial institution platform systems. Physical Demands While performing the duties of this job, the employee is frequently required to work in front of a computer for extended periods of hours; use hands to finger, handle, or feel and talk or hear. Must be able to travel from location to location throughout the office and to other bank offices, clients, and outside meetings. The employee is occasionally required to reach with hands and arms; stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision, depth perception and ability to adjust focus. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. In-person work is required however telework exceptions may be applicable. Regular and prompt attendance is required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job operates in a professional office setting with low to moderate noise level work environment; and, at times in various other environments of the clients they meet with. Equal Employment Opportunity & ADA Compliance: Commercial Bank provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. Equal employment opportunity applies to all terms and conditions of employment including hiring, placement, promotion, termination, layoff, recall, transfer, leave of absence, compensation, and training. To ensure equal employment opportunities to qualified individuals with a disability, Commercial Bank will make reasonable accommodations for the known disability of an otherwise qualified individual, unless undue hardship on the operation of the organization would result. We support and promote equal employment opportunity, human dignity, and racial, ethnic, and cultural diversity by taking positive steps to eliminate barriers that may exist in hiring and in employment practices. Discrimination of any type will not be tolerated.

Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of the largest businesses of its kind in the world specializing in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance. Merrill's Financial Advisors and Wealth Management Client Associates help clients pursue the life they envision through a personal relationship with their advisory team committed to their needs. We believe trust comes from transparency. Our trusted advisory teams are equipped with access to the investment insights of Merrill coupled with the banking convenience of Bank of America. At Merrill, we empower you to bring your whole self to work. We value diversity in our thoughts, business, and within our employees and clients. Our Wealth Management team represents an array of different backgrounds and bring their unique perspectives, ideas and experiences, helping to create a work community that is culture driven, resilient, results focused and effective. Job Description: This job is responsible for providing client service support to potentially multiple Financial Advisors (FAs). Key responsibilities include supporting enterprise strategic objectives, operational excellence goals, and client advocacy within the FA's business, while customizing solutions based on their specific needs. Job expectations include serving as the most frequent point of contact within Merrill to address all service needs of their clients. Responsibilities: Provides excellent Client Service to the bank's clients through educating them on all of the bank's service and banking offerings Ensures timeliness, accuracy, and completeness in client materials and follows up on all client and Financial Advisor (FA) requests Assists with ensuring practices are in alignment with the bank's policies and procedures to support operational excellence, protect the bank's clients, and manage risk Identifies, deepens, and maintains client relationships through emphasizing the bank's offerings and promoting incorporation of banking into day-to-day practices, while communicating outputs to the FA Supports day-to-day team activities and needs including covering roles in times of absence or seasonal need increases, while leading with a client first mindset Skills: Account Management Client Management Customer and Client Focus Issue Management Oral Communications Business Development Client Solutions Advisory Pipeline Management Prioritization Administrative Services Emotional Intelligence Referral Identification Written Communications Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 37.5

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being a diverse and inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for providing comprehensive advice and customized solutions to clients to help them achieve their financial goals. Key responsibilities include triaging client leads, making referrals to business partners based on client needs and asset thresholds, meeting with clients to review financial and investment goals, building a financial plan, and recommending brokerage products. Job expectations include applying and expanding knowledge by completing required licenses and trainings. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination. Responsibilities: • Works with clients to plan their short and long-term financial goals by building a financial plan with brokerage products, including stocks, bonds, mutual funds, annuities, and banking and money managed solutions • Recommends banking and investments strategies that align with client financial goals and needs • Triages client requests and makes referrals to appropriate internal service providers based on client needs and asset thresholds • Mitigates and controls risk as part of daily activities • Identifies and engages potential new clients through referrals or financial center clientele • Provides coaching and feedback to referral partners based on knowledge of client needs and potential product services recommended Required Qualifications: • Currently holds Series 7 & 66 (63 & 65 in lieu of 66) licenses. If you do not currently hold the 66 but have either a 63 or 65, an offer can be extended with the condition that a passing score is received for the missing series within 60 days. • Has at least one year experience in the investments industry, including investment training and in-depth knowledge of investment products and services. • Has at least one year experience working in the financial service industry and/or a sales environment where goals were met or exceeded. • Sets and accomplishes goals, achieving whatever you put your mind to. • Builds and nurtures strong relationships. • Collaborates effectively with others to get things done. • Communicates effectively and confidently and is comfortable engaging all clients. • Manages goals, navigates complexity, prioritizes tasks and executes in a fast-paced environment. • Likes to learn, adapts to new information and seeks the right solutions for clients. • Efficiently manages your time and capacity. • Is thorough and thoughtful in incorporating relevant regulatory due diligence into daily activities and long-term strategies for clients. Desired Qualifications: • Strong computer skills with an ability to multitask in a demanding environment. • At least three years' experience working in the financial service industry and/or a sales environment where goals were met or exceeded. • Achieved additional professional designations such as Certified Financial Planner (CFP) and/or Chartered Retirement Planning Counselor (CRPC). • Obtained your insurance licenses. • Bilingual Spanish Preferred Skills: • Advisory • Account Management • Client Experience Branding • Customer and Client Focus • Oral Communications • Issue Management • Client Solutions Advisory • Pipeline Management • Active Listening • Attention to Detail • Risk Management • Policies, Procedures, and Guidelines • Client Management • Causation Analysis • Written Communications *Please note that this requisition contains multiple locations but there is not an immediate opening for every location listed. Shift: 1st shift (United States of America) Hours Per Week: 40

*MORTGAGE LOANPROCESSOR II* WHAT IS THE OPPORTUNITY? The Mortgage Loan Processor II is responsible for managing a pipeline of purchase and/or refinance transactions. The Mortgage Loan Processor II is also responsible for ensuring closing dates are met or exceeded, following up on conditions as needed, completing all re-disclosures in accordance with regulatory service levels, and working in a team environment from the initial decision to the final approval. Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act. WHAT WILL YOU DO? * Review loan decisions to determine what documents are required to move to closing. * Utilize pipeline reports to effectively manage and prioritize daily work flow. * Responds to business partners' e-mails, questions, and phone calls. * Manages to key dates, such as but not limited to - rate lock expiration, contingency date, contract date, credit expiration, income expiration, asset expiration, and TRID. * Ensures all parallel support models such as HOI, Flood, Title, & Project Approval are seamlessly moving through the process. * Prepares, validates, communicates and delivers any and all Revised Loan Estimates in accordance with regulatory service levels. * Acts as the primary liaison between Sales, Title, Escrow & Centralized Services. * Effectively manage a pipeline of 25-40 loans. * Works with the Loan Officer & Loan Officer Assistant to collect all conditions through final approval. * Remain accountable for all loan files once they are received from sales. * Ensure all initial reviews & follow ups occur within the established SLA. * Maintain current knowledge of CNB guidelines and loan programs. * Other duties as/or assigned by management. WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * Minimum 2 years of mortgage loan processing experience required. * Minimum 2 years of experience of state and federal lending regulations (e.g. RESPA, Reg Z, ECOA, TRID) required * Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"; or must be able to be registered under the Safe Act. Must remain in good standing under the Safe Act. *Additional Qualifications* * Ability to identify and resolve problems in a timely manner. * Strong attention to detail and accuracy. * Ability to maintain high levels of performance, especially in stressful situations. * Strong knowledge of federal/state regulatory requirements. (TRID Experience Required) * Excellent written and verbal skills * Excellent organizational skills * Ability to multi-task and work in a deadline driven environment * Proficient PC skills, including Microsoft Office and Loan Originations Systems. *WHAT'S IN IT FOR YOU?* *Compensation*Starting base salary: $24.46 - $36.69 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.

**Credit Solutions Advisor II** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! **Job Description:** This job is responsible for providing specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of client's life plan. Key responsibilities include acquiring new and deepening existing client relationships by conducting client meetings and presenting customized solutions to clients to help them achieve their financial goals. Job expectations include effectively balancing sales performance, operational risk, and client relationship care by leveraging expertise. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination. **Responsibilities:** + Recommends financial advice and guidance that align with the clients' financial goals and needs + Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank + Analyzes the client's financial needs and applies knowledge of borrowing and banking to recommend alternative or additional financial services that best align with the client's unique priorities + Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs + Makes decisions on client requests and makes referrals to appropriate internal partners based on client needs + Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates during meetings to assist with team delivery of an exceptional client experience **Required Qualifications:** + Minimum of 2 years of mortgage origination experience. In lieu of this requirement, has previously held the role of: + Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year + Knowledge of credit and home lending requirements + Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively. + Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone. + Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information. + Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution. + Strong written and verbal communications skills. + Ability to handle ambiguity and adapt to changing circumstances. + Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic. + Can be flexible to work weekends and/or extended hours as needed. + A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally. + Ability to learn and understand technology. + Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies. **Desired Qualifications:** + Experience working in a financial center where goals were met or exceeded. + Knowledge in analyzing and comprehending complex financial data and providing financial alternatives. + Knowledge of banking products and services. + Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. + Experience in a loan origination role in a retail environment and knowledge of + Mortgage Products (Conventional, Jumbo and HELOC, Government) + Structuring, Processing, underwriting and closing procedures + Federal regulations governing real estate lending + FHA and HUD guidelines + Other Lending Products (Credit Card, Vehicle Loans) + Strong computer skills including MS applications and previous experience utilizing laptop technology. **Skills:** + Client Management + Client Solutions Advisory + Customer and Client Focus + Referral Identification + Risk Management + Client Experience Branding + Credit Documentation Requirements + Credit and Risk Assessment + Pipeline Management + Referral Management + Attention to Detail + Collaboration + Issue Management + Prospecting + Relationship Building **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "Know your Rights" poster, CLICK HERE (************************************************************************************** . View the LA County Fair Chance Ordinance (************************************************************************************************** . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. To view Bank of America's Drug-free Workplace and Alcohol Policy, CLICK HERE . Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: Member of a highly productive, industry leading team of treasury professionals. Responsible for business development (new and cross-selling), client service excellence, client retention, and client consultation. Revenue growth and client retention are paramount. Self sourcing, networking externally, and partnering with key team members (within the local affiliate and/or group) to drive business. Responsible to prospect with internal partners. Work with a One Bank team to understand clients and prospects business environments, strategies, and industries to best determine the financial needs and appropriate working capital management solutions to provide. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Must be able to persuasively articulate Fifth Third's value proposition to both internal and external clients to influence the outcome within the sales process. * Demonstrate ability to identify client needs and the ability to present working capital solutions to clients and prospects. * Demonstrate ability to understand payment and commerce solutions/ processes. * Demonstrate proficiency in knowledge of all strategic TM solutions and their benefits to our clients. * Understand competitions' capabilities and gaps and how to position 5/3's services against them. * Prepares and deliver quarterly client service reviews to clients. * Expected to develop personal relationships with C-suite and senior management decision makers at client and prospect organizations. * Devise and execute a plan to exceed sales goals. * Accountable for the development of a sales pipeline of both new and cross-sell opportunities and appropriately managing those to a win/loss decision. * Actively manage a pipeline using the CRM tool. * Maintain lines of communications with RMs individually and as a group. * Review sales goals with RMs and ensure RMs are advised of calling strategies. * Educate and advise RMs of new TM product development initiatives. * Assess knowledge level of individual RMs and bring each up to a minimum standard. * Partner with RMs to provide recommendations on sales opportunities to include sales to new prospects and cross-sell opportunities to existing clients. * Work closely with assigned client specialists to ensure excellent client service on an on-going basis. * Assist with general bank communications to clients. * Take ownership and deliver timely resolution of client issues. * Develop knowledge of internal resources for accurate response to client issues. * Understand and communicate implementation time-line to align with client expectations. * Ensure proper account documentation and all requisite agreement execution. * Communicate recurring or serious product issues to management. * Recommend viable solutions to improve client service. * Understands, appreciates, and promotes the history of 5/3 Bank, its financial position, operating model and commitment to a positive client experience. MINIMUM KNOWLEDGE AND SKILLS REQUIRED: * Undergraduate degree is required. * MBA or advanced degree is desirable. * CTP certification is strongly encouraged. * Minimum of 2 years Wholesale/Commercial Banking experience, prefer at least 1 to 3 years of experience in a financial services sales environment is preferred. * Demonstrated record of consistently exceeding performance goals. * Possess a strong desire to constantly strive to improve oneself. * Must have strong client interaction skills and has demonstrated the ability to influence the outcome of a sales process. * Requires the aptitude for powerful presentations and negotiation skills with internal and external clients. * Demonstrated ability to articulate the benefits of strong working capital management solutions to clients. * Proven product and sales knowledge sufficient to help mentor new team members. * Demonstrated knowledge of a wide array of treasury management products. * Excellent oral and written skills. * Basic proficiency in PC software (MS Office). * Technical Treasury Management competencies. * Understanding of Treasury Management products and solutions. * Ability to build new & existing client relationships. * Ability to evaluate client needs. * Basic understanding of financial statement analysis. Treasury Management Officer II LOCATION -- Grand Rapids, Michigan 49503 Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

Be Proud, Be You, Be Independent! Are you a skilled Customer Service professional looking to take the next step in your career? Or maybe even an early Wealth Management professional seeking to acquire licensing? If so, we need you! At Independent Bank we promote a culture that encourages professional growth and embraces the collective sum of your individual differences, life experiences, knowledge, innovation, self-expression, unique capabilities and talent. We value diversity of thought, ideas, and background. Our inclusive and collaborative culture helps us find the best solutions to meet the needs of our clients and company. About the Job: Being a Digital Banker is an exciting journey to creating a fulfilling and rewarding career as a member of the Digital Banking team at Independent Bank. As a Digital Banker, you will focus on learning and/or reviewing the basic banking functions, and the fundamental banking terms, products, and solutions offered by Independent Bank. Although your primary role is to service the customer through various digital channels (which include phone, email and online banking), you may also grow to conduct new account opening, lending, or even participate in our Licensed Bank Executive Pilot Program! Why You Should Apply: * Competitive compensation package. * Accommodating and flexible paid time off. * A knowledgeable, goal-driven, and exciting team of colleagues. * Exposure to different areas of banking and the ability to work with leaders within the industry. * Community-focused events and volunteer opportunities. What You Will Do: * Services and provides solutions to Independent Bank clients in a friendly and efficient manner. * Provides support in a fast-paced environment. * Has a thorough understanding of how to solve complex issues through digital channels. * Delivers financial solutions to clients utilizing the Independent Bank products and services. * Utilizes all available technology to perform daily tasks. * Understands the basic framework of Independent Bank products including but not limited to consumer and business accounts and digital banking. * Fully knowledgeable regarding bank policies and procedures. * Responsible for completing the modules and metrics of the position and continuing education as assigned through the Career Path. * Performs other related duties as assigned. What We're Looking For: * High school diploma or equivalent education required. * Customer service and/or cash handling experience preferred but not required. * Excellent interpersonal, presentation and communication skills. This includes verbal and non-verbal forms of communication, email and phone etiquette and the ability to work cohesively as part of a team. * Able to thrive in a fast-paced and rapidly changing environment while maintaining a commitment to accuracy, timeliness and customer focus. * Full understanding of the Independent Bank customer service standards and following these standards daily. * Ability to adapt and adjust to new ideas, processes, workflows, and systems. Be Proud. Be YOU. Be Independent!

This position requires a high level of organization and attention to detail. Must be able to communicate effectively. Must be able to identify priorities and deadlines and determine work schedule to meet those deadlines. Must be able to multitask effectively and able to task switch quickly and effectively due to multiple items in process at all times. Must be able to work effectively in a fast past work environment and be self-motivated. Willingness and flexibility to work in a team setting. Must possess PC skills at an intermediate level. The ability to make decisions within set parameters. Essential Duties and Responsibilities Included but not limited to: * · Processing of loan files. * · Processing of files after loan closing. * · Assisting Lenders on various tasks related to loan files. * · Daily loan servicing responsibilities. * · Provide efficient, friendly service to lenders, customers and vendors on the phone and/or in person as needed. * · Scanning, typing and clerical work as needed. * · Communicating effectively through both verbal and written formats Requirements Job Qualifications & Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Education/Certification/Licensing: * High School Diploma/GED required. * Advanced education in accounting, business administration or related field preferred. Experience: * Minimum of two years' experience utilizing Microsoft Excel, Internet, and related computer skills. * Some banking or related experience or education preferred Other Requirements: * Excellent written, verbal, interpersonal, and problem-solving skills; ability to communicate effectively and project a professional image. * Willingness and flexibility to work in a team setting. * Requires excellent communication skills, both written and verbal. * Must be able to multitask. * Must possess PC skills at an intermediate level. Ability to use the Internet. * Ability to learn compliance and law issues as they apply to mortgages. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Equipment Used PC, printer, calculator, copy machine, fax, scanner, typewriter Software & Internet Sites Used Finastra Laser Pro, FIS - Horizon XE, Word, Excel, PDF, FCM, CLS-ETran, SBA, USDA, ProSign, FarmerMac Physical Demands While performing the duties of this job, the employee; sit for extended periods of time; use hands/fingers to type, handle, pickup or feel; to talk and/or hear. The employee is occasionally required to reach with hands and arms; stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, color vision, depth perception and ability to adjust focus. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. In-person work is required. Regular and prompt attendance is required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job operates in a professional office setting with low to moderate noise level work environment. This does not list all of the duties of the job. This job description is not a contract for employment, and either the employer or the employee may terminate the employment at any time. Equal Employment Opportunity & ADA Compliance: Commercial Bank provides equal employment opportunity to all individuals regardless of their race, color, creed, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. Equal employment opportunity applies to all terms and conditions of employment including hiring, placement, promotion, termination, layoff, recall, transfer, leave of absence, compensation, and training. To ensure equal employment opportunities to qualified individuals with a disability, Commercial Bank will make reasonable accommodations for the known disability of an otherwise qualified individual, unless undue hardship on the operation of the organization would result. We support and promote equal employment opportunity, human dignity, and racial, ethnic, and cultural diversity by taking positive steps to eliminate barriers that may exist in hiring and in employment practices. Discrimination of any type will not be tolerated.

Be Proud. Be You. Be Independent! Are you an experienced Credit Analyst, Accountant, or even CPA looking to advance in your career? If so, we need you! At Independent Bank we promote a culture that encourages professional growth and embraces the collective sum of your individual differences, life experiences, knowledge, innovation, self-expression, unique capabilities and talent. We value diversity of thought, ideas, and background. Our inclusive and collaborative culture helps us find the best solutions to meet the needs of our clients and company. About the Job: Independent Bank is on the lookout for a diligent Commercial Loan Credit Analyst to join our thriving team. Reporting to the VP/FVP Commercial Credit Officer, your primary role will be to perform comprehensive commercial loan credit analysis. You'll prepare detailed credit analyses and loan proposals, spread financial statements, and conduct thorough credit reviews. Your keen analytical skills will help determine cash flow, debt service ability, balance sheet strength, and collateral coverage. You'll review loan structures, assign credit risk ratings, and join officers on customer calls. Additionally, you'll assist in compiling monthly, quarterly, and annual financial reports. Help to inspire financial independence today, with tomorrow in mind at Independent Bank! Why You Should Apply: * Comprehensive total rewards package. * A knowledgeable, goal-driven, and exciting team of colleagues. * Exposure to different areas of banking and the ability to work with leaders within the industry. * Community-focused events and volunteer opportunities. What You Will Do: * Spreading financial statements for borrowers, co-borrowers, guarantors, and others as requested; * Performing and reviewing credit inquiries; * Using independent judgment to analyze financial information in order to determine: * Sufficiency of cash flow; * Debt service ability; * Collateral adequacy; and * Borrower risk rating. * Reviewing/recommending loan structures consistent with bank policies and guidelines; * Preparing credit analysis and loan proposals that assist in the prudent granting of credit; * Performing trend analysis on financial reports of borrowers to evaluate their ongoing credit-worthiness; * Accompanying lenders on customer contact calls; * Performs other related duties as assigned. Knowledge, Skills, and Abilities: * Bachelor's degree in Accounting, Business, Finance or equivalent years of working experience. * 2+ years commercial credit analyst experience preferred. * Excellent interpersonal, presentation and communication skills. * Must be conversant with (at least) intermediate level accounting (cash/accrual basis, cost, and contractor), lending experience helpful. Be Proud. Be YOU. Be Independent!