Fidelity Bank MA jobs - 98 jobs

The Human Resources Specialist will be responsible for all hiring activities, from creating to interviewing candidates and closing hires. The Human Resources Specialist responsibilities include connecting with potential candidates online and offline, screening applications and supporting hiring managers. PRINCIPAL ACCOUNTABILITIES: Time: Description: 75% Assist with the recruitment, interview, selection and on boarding process including: job posting; social media and job board advertising; applicant tracking, including receiving, processing, and tracking resumes; scheduling interviews as directed by hiring managers; and coordinating preemployment testing (e.g., background checks and drug screening). 5% Assist with the management of the Affirmative Action Reporting process, including collection and verification of data. 10% Assist with the development and progression of employee performance standards and expectations. Coordinate and track the annual performance review and performance goal setting process. 5% Assists with the maintenance and custody of confidential employee records. 5% Provides backup support for other HR-related activities as assigned. BASIC QUALIFICATIONS: Bachelor's degree with 3 years of human resources experience including at least 1 year of recruiting experience or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone. * Demonstrated computer skills; high proficiency level working in Microsoft Office software, especially Word and Excel. * Outstanding interpersonal skills with the ability to effectively lead and work with individuals and groups at all organizational levels; ability to work independently and as part of a team. * Firm understanding of various techniques used to properly manage a diverse workforce; ability to resolve conflict with an objective approach. * Good understanding of procedures and policies used for recruitment, termination, promotion, and retention. * Strong analytical ability with active listening skills; ability to effectively use research methods, thoroughly analyze work situations, and draw valid conclusions from data. * Ability to work accurately with close attention to detail; take initiative and prioritize tasks; good time management, organizational, problem-prevention, and problem-solving skills; maintain confidentiality of extremely sensitive information; study and apply new information. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer

The Digital Strategy Team is the primary advocate for developing and enhancing the digital customer experience at United Bank. We support multiple lines of business, Consumer and Commercial Banking, Wealth Management and Brokerage. Digital Banking Product Administrator will work in the Digital Strategy Team supporting Digital Banking Platforms. This individual's primary responsibility will be to maintain the administrative platform for Online and Mobile Banking Applications. RESPONSIBILITIES: * Responsible for bringing the digital strategy to life for consumers and commercial clients. * Serve as the vanguard for the bank's evolving channel experiences to enable customers to manage their finances, plan and budget for the future. * Develop proposals for further development of the organization and business process to support the business strategy. * Manage the Administrative platforms to support online and mobile banking, these include but are not limited to Money Movement, Bill Pay, Zelle, Transfers, Alerts, and Mobile Deposits * Customer Communications for existing and new feature/functionality * Contribute and manage multiple initiatives simultaneously. * Manage individual initiatives, including but not limited to project management, team communication and leadership communications. * Maintain measurement plans in a result driven culture. * Ability to collaborate on, lead and deliver complex initiatives across the organization. * Ability to work with and direct external agencies and vendor management including creative oversight, digital experience, and budgets. * Other projects and duties as assigned. Qualifications SKILLS/QUALIFICATIONS: * Bachelor's degree in a relevant field is required. Master's Degree highly desired. * Minimum of eight (8) to ten (10) years of working experience in digital commerce strategies, technology digital marketing, agency management and Fintech partnerships is required. * Minimum of eight (8) to ten (10) years working experience in a Retail/Commercial banking leadership role with financial institutions or equivalent consulting role is required. * Ability to work independently and as part of a team, the ability to manage time and resources to meet assigned deadlines * Strong perspective on great digital consumer and/or enterprise experiences across multiple form factors * Ability to interpret customer and business needs and translate them into requirements * Demonstrated ability to communicate broadly and in detail with various audiences. * Proficiency in Microsoft Office products is required. * Ability to travel up to 20%. KEY COMPETENCIES: * Industry Proficiency * Effective Communication and Presentation Skills * Creativity * Collaborative Company Profile Please click here to access a list of benefits for which this position is eligible. Additional information regarding United's Mission, Values and Culture can be found here. At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values. Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law. Nearest Major Market: Charlotte Job Segment: Bank, Banking, Marketing Manager, Project Manager, Finance, Marketing, Technology

The Loan Operations Supervisor position is responsible for overseeing one or more business units within Loan Operations which may include Loan Document Preparation and Processing, Loan Document Review and Imaging, and Loan Booking and Maintenance. This role ensures operational efficiency, regulatory compliance, and a high standard of customer service while leading and developing team members. PRINCIPAL ACCOUNTABILITIES: Time: Description: 40% Manage daily activities of Loan Operations team members. Ensure adequate staffing and oversee performance appraisals, disciplinary actions, and career development plans. Provide coaching and mentoring, identifying strengths and areas for improvement, and implement strategies to enhance team performance. 20% Deliver a best-in-class customer experience while adhering to internal policies and regulatory guidelines. Resolve inquiries and issues from customers, branches, and internal team members in a professional and timely manner. 20% Navigate multiple systems to research and assess needs, providing appropriate solutions. Manage relationships with external vendors related to systems and operational processes. 20% Perform daily operational tasks as needed, including document preparation, booking, loan package review, GL balancing, settlements, maintenance, monitoring, and reporting relevant to the teams managed. BASIC QUALIFICATIONS: Bachelor's degree or equivalent combination of education and experience. Minimum of 4 years in Loan Operations, customer service, and leadership roles. ADDITIONAL QUALIFICATIONS: Requires exceptional verbal, interpersonal and written communication skills. Excellent computer skills including knowledge of Microsoft Office products. Ability to work on and manage projects. PREFERRED QUALIFICATIONS: Supervisory experience preferred. Fiserv Precision Core. LaserPro Document Preparation System. Abrigo Loan Origination System. Fiserv's Source Capture. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer

The Relationship Banker I is responsible for conducting teller transactions and cash vault transactions in an accurate and timely manner. The incumbent is also responsible for providing exceptional customer service while following Bank policies and procedures, maintaining essential controls and mitigating risk. The incumbent is responsible for helping customers achieve their financial goals through the sales and servicing of bank products and services. The incumbent works with the branch team to achieve their team scorecard goals and is responsible for achieving their own individual scorecard goals. PRINCIPAL ACCOUNTABILITIES: Time: Description: 40% Responsible for handling customer transactions and helping with account related inquiries. Responsible for accurately maintaining and balancing cash drawers and vault as well as reconciling any discrepancies. 15% Responsible for identifying the needs of new and existing customers and offering appropriate products and services. 10% Responsible for assisting with internal controls and daily report follow-up as well as handling night depository deposits and other operational duties as assigned. 10% Responsible for consistently demonstrating the Bank's Right by You quality standards by providing a superior level of customer service. 10% Mitigate losses through work accuracy and adherence with Bank policies and procedures, internal controls and regulatory guidelines more fully described within the Bank Operations and Procedures Manual. 10% Responsible for achieving individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. 5% Other duties as assigned. BASIC QUALIFICATIONS: High school diploma or GED with one year of cash handling and customer service experience or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Strong relationship skills. * Basic math and computer skills. * High level of accountability, efficiency, and accuracy. * Exceptional time management, communication, and customer service skills. * Must maintain a friendly, courteous, and professional demeanor. * Must complete teller training classes. * Ability to pass a background check. PREFERRED QUALIFICATIONS: Strong sales skills The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer

The position of Enterprise Content Solutions Specialist I is responsible for the first line of support for associate inquiries, requests and troubleshooting within the document management system and for learning and assisting with discovery, development, maintenance and troubleshooting opportunities within the document management system, OnBase, as related to system administration, workflow, reporting tools and application modules. The position is a learning and entry level position to the Enterprise Content Solutions Specialist II. The position reports directly to the Enterprise Content Operations Manager. ESSENTIAL FUNCTIONS: Monitor and respond to inquiries, support requests, routine problem solving via all access areas such as individual email, departmental email, chat, phone, teleconference/video, and/or in-person, escalating issues as needed. Assist, and/or participate in training sessions for departments and associates using the same access areas listed above for all areas of document management, workflow and application modules of the document management system. May include some travel. Study, learn, and perform, with basic efficiency, the system administration of the document management system which includes but is not limited to the creation, development, testing, troubleshooting and regular maintenance of document type groups, document types, keywords, custom queries, workflow folders and other features necessary for document storage and retrieval. Work in conjunction with Project Management, along with other Departments, to bring project planning from inception to completion for document management solutions which may include but are not limited to workflow, reporting tools, and application modules. Assist in meetings for solution discovery and progress updates for projects and/or maintenance requests with departmental line of business owners, which may or may not include Project Management. Learn to create and assist with developing project profile documents detailing the project assumptions, project scope, deliverables, and specific details for solution build work. Review and seek the approval of the line of business owners. Learn to develop, design, build, test and troubleshoot all aspects of the document management system including but not limited to customized workflow, reporting tools and application solutions. Learn to create, test and assist in the maintenance of the document management system training materials, training videos and other necessary aids outside of and within a knowledge base application or similar platform. Document system configuration changes or major project documentation in applicable systems for SOX reporting purposes. Participate in other project implementations as assigned which include, but are not limited to, acquisition projects and department specific projects. Complete, assist, and perform maintenance assignments, as needed or scheduled by manager, in all aspects of the document management system which may include some after-hours and/or weekend work. Participate in Bank internal committee appointments/meetings as assigned. Pursue and maintain required Hyland certifications such as, but not limited to, OnBase Certified System Administrator (OCSA), OnBase Certified Workflow Administrator (OCWA) and OnBase Certified WorkView Administrator (OCWV). As available, OnBase Certified Advanced Workflow Administrator (OCAWA) Adhere to all levels of our Service Excellence standards. Complete annual compliance courses. Completed other training as assigned. Adhere specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. Perform other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience : These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. High school diploma or general education degree (GED); or the equivalent combination of education and experience. Work-related experience should consist of duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Document management experience preferred. Ability to obtain and demonstrate knowledge of OnBase Certified System Administrator certificate or equivalent within 6 months of onboarding. Excellent organizational and time management skills. Ability to work with minimal supervision. Ability to prioritize work and responses to customers. Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions. Application of Active Listening to effect problem solving for customer inquiries. Intermediate skills in personal computer operation, word processing, spreadsheets, web-based programs and specialty software programs. Basic skills in computer terminal and mainframe computer systems which include server-based access. Basic knowledge of Bank operations, products and services; related state and federal laws and regulations, and other Bank operational policies and procedures. Previous experience with OnBase, Zoom, Zoom Contact Center, and ServiceNow a plus. Additional preferred skills include customer service, project management ideals, ability to share product knowledge, quality focus, problem solving, attention to detail and documentation, conflict resolution, information analysis, and multi-tasking. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Commercial Banker II

Supports the Bank's mission to be the best bank in the markets we serve through effective sales and service leadership, targeted business development efforts, and community involvement. The Senior Business Development Officer is responsible for developing and managing business banking relationships in accordance with Fidelity Bank's core Supports the Bank's mission to be the best bank in the markets we serve through effective sales and service leadership, targeted business development efforts, and community involvement. The Senior Business Development Officer is responsible for developing and managing business banking relationships in accordance with Fidelity Bank's core values and business principles in an assigned area. The incumbent assists with accomplishing the area's business objectives including business development strategies, sales efforts, and market expansion. The focus is on loan production and deposit growth level Determination - The Bank segments its' markets into 4 market categories (Expansion, Growth, Core and Established) and certain positions within the Bank have levels within that role to differentiate goals by market type and level of responsibility within the Bank. values and business principles in an assigned area. The incumbent assists with accomplishing the area's business objectives including business development strategies, sales efforts, and market expansion. The focus is on loan production and deposit growth Level Determination - The Bank segments its' markets into 4 market categories (Expansion, Growth, Core and Established) and certain positions within the Bank have levels within that role to differentiate goals by market type and level of responsibility within the Bank. PRINCIPAL ACCOUNTABILITIES: Time: Description: 34% Business Development and Quality Customer Service: * Achieves annual deposit, loan and referral sales results by developing new client relationships through networking with existing customers, leveraging COIs and making prospecting calls. * Interview potential loan custom-Achieves annual deposit, loan and referral sales results by developing new client relationships through networking with existing customers, leveraging COIs and making prospecting calls. * Interview potential loan customers and process loan requests. * Create a Personal Business Development Plan for the designated area. Include prospect list on predetermined profitable business and retail relationships. * Partner closely with the Branch Manager to ensure consistent and quality relationship building and quality commercial and consumer referrals between BDO and Branch Manager. * Develop partnership with Branch Manager and associates to cultivate a positive referral process. * Represent the Bank within the community by developing and promoting additional business. Serve as an officer with at least one community organization. * Meet production and performance goals process loan requests. * Create a Personal Business Development Plan for the designated area. Include prospect list on predetermined profitable business and retail relationships. * Partner closely with the Branch Manager to ensure consistent and quality relationship building and quality commercial and consumer referrals between BDO and Branch Manager. * Develop partnership with Branch Manager and associates to cultivate a positive referral process. * Represent the Bank within the community by developing and promoting additional business. Serve as an officer with at least one community organization. * Meet production and performance goals. 33% Credit Quality/Loan Yield/Portfolio Management: * Thoroughly analyzes credit risks, including the purpose of the credit, source of repayment, collateral, financial history, terms and conditions. * Analyze loan applications, financial statements, and base credit decisions on Bank Loan Policy. * Ensure ongoing credit quality by monitoring loans, managing past dues and watchlist loans. * Minimize Loan losses and exceptions through effective documentation, underwriting, timeliness, and relationship building. * Ensures profitability by maintaining average loan yield objectives. * Manages a portfolio of commercial loans. Prepares credit packages for review and approval by credit partners. * Perform loan-servicing duties to ensure conformity with loan terms and conditions. * Assists with timely collection of loan delinquencies. * Manage and enhance the growth of a quality loan portfolio with a focus on business lending. 33% Operational Risk/Compliance: * Ensures adherence with Bank policies and procedures and regulatory guidelines. * Minimize Loan losses and exceptions through effective documentation, underwriting, timeliness, and relationship building. BASIC QUALIFICATIONS: Bachelor's degree with 6 years of experience in commercial lending, credit, and business development or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Possess in-depth knowledge of commercial lending, including the ability to evaluate cash flow and collateral. * Advanced financial analysis, strong credit underwriting, and analytical skills. * Ability to handle confidential and proprietary information. * Excellent communication skills, oral and written. * Thorough understanding of loan laws and regulations. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer

Job Description The position of Head Teller is responsible for performing routine and intermediate branch and customer services duties; accepts retail and commercial checking and savings deposits; processes loan payments; cashes checks and savings withdrawals; assists with night depository duties; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The position of Head Teller also is required to be fully knowledgeable and skilled in the areas of new accounts, teller, vault, safe deposit and branch operations, and is expected to provide leadership, training and support to less experienced tellers and other staff members. ESSENTIAL FUNCTIONS: Receives retail and commercial checking and savings deposits by determining that all necessary deposit documents are in proper form, and issuing receipts. Cashes checks, savings withdrawals and processes cash advances; confirms all necessary documents are properly authorized, are in proper form and are within authorized limits; makes decisions when questionable items are presented for cashing or depositing. Assists with night depository duties; logging bags, processing deposits, making change orders, issuing receipts and returning bags to customers. May assist in opening and closing the vault daily; assists in balancing vault currency and coin. Promotes and cross-sells the Bank's products and services by assisting customers in their selection to meet their needs. Establishes proper identification of new customers and determines need and extent of reference investigation. Completes forms requiring customer signature(s); accepts initial deposits. Operates computer terminal or personal computer to process account activity, determine balances, and resolve problems within given authority. Issues official checks, traveler's checks and gift cards. May reconcile petty cash. ATM Balancing, etc. CTR's, SAR's: Completes and review for accuracy. Opening and closing vault, incoming & outgoing shipments. Balances general ledger accounts. May reconcile travelers checks and gift cards monthly. Monthly reports. Cross-sells the Bank's other products and services, referring customers to appropriate staff as indicated. Performs safe deposit duties by controlling access and assisting customers. Receives and processes stop payment and hold orders. Accepts loan, installment and collection payments. Balances cash drawer daily and verifies cash being bought from and sold to the vault. Provides effective customer service and assists in resolving problems within given authority. Records, files, updates information and sorts mail or reports as required. Answers telephones and directs callers to proper Bank personnel. May gather data and process various reports (e.g., currency transaction, returned items, overdrafts, callbacks, etc.) Processes credit reports, credit card orders, address changes, traveler's checks, check and deposit slip orders, endorsement stamp orders, incoming and outgoing wires, incoming and outgoing collections, change orders and deposit slip corrections. Processes teller work through branch capture and assists with imaging research. Type's routine letters, reports and forms. Maintains files, copies and faxes documents, and orders and distributes supplies. Trains other employees on various tasks; provides additional training for new tellers. Makes schedules for tellers. Orders cash. Familiar with all security procedures; test alarms monthly. Completes annual compliance courses. Adheres specifically to all corporate policies and procedures. Also adheres to Federal and State regulations and laws; including, the Bank Secrecy Act and the Anti-Money Laundering Act. Adheres to all levels of our Service Excellence standards. Performs other duties as required. GENERAL QUALIFICATIONS: Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. High school diploma or general education degree (GED); or the equivalent combination of education and experience. Work related experience could consist of reception or secretarial duties in a business environment. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Intermediate knowledge of Bank operations, products and services; related state and federal laws and regulations, and other Bank operational policies and procedures. Excellent organizational and time management skills - ability to work with minimal supervision. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs. Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct personnel. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The SBA Credit Analyst will support the SBA associates in completing credit memorandums for new and existing bank relationships. Key responsibilities include inputting and analyzing financial statement data and interpreting the repayment capacity of borrowers. The position will report to the Manager of SBA Credit Administration of the bank and work closely with Senior Credit Officers to minimize risk and help grow revenue for the bank. The SBA Credit Analyst will be crucial in completing timely annual reviews of the bank's largest loan customers. PRINCIPAL ACCOUNTABILITIES: Time: Description: 10% Insure loan packages are complete according to bank policy. 25% Input and analyze financial statements and credit bureaus using proprietary bank software (primary tax returns). 20% Determine business and global cash flow of commercial borrowers. 15% Perform analysis on diverse types of collateral. 5% Assist lenders in determining the most appropriate loan structure. 5% Partner with SBA bankers in completing credit memorandums for various sized businesses and requests. 10% Collaborate with SBA bankers and Senior Credit officers to complete annual reviews on large borrowers. 5% Assist Chief Credit Officer with regulatory compliance. 5% Other duties as assigned. BASIC QUALIFICATIONS: Bachelor's degree and 2 years of experience in Small Business Administration lending or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Experienced in reading balance sheets, income statements, credit reports, personal financial statements. * Strong understanding of business entity legal structures, risk rating, and financial statement ratio analysis. * Ability to locate and use relevant industry analysis. PREFERRED QUALIFICATIONS: Excellent computer skills including experience with proprietary bank software and Microsoft Office. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Employer

Job Description The Item Exceptions Processing Specialist supports daily exception processing activities for both consumer and commercial banking operations. This role is responsible for handling transactional tasks such as return item processing, unposted item repair, and posted exception resolution for DDA and savings accounts. Additional duties include reviewing stop payment suspect reports, processing daily chargebacks, and managing death notification entries. This position is considered essential and requires on-site presence or secure VPN access during inclement weather or emergency situations to ensure continuity of operations. ESSENTIAL FUNCTIONS Process return items and unposted items, including unauthorized and Federal Reserve returns. Handle chargeback items and follow special instructions for chargeback processing. Review and return stop payment suspects as directed by branch instructions. Balance general ledger (GL) accounts, including: FED Returns Clearing GL DDA/Savings Unposted GL Special Handling GL Review and correct ACH exception items by updating account numbers or types in Horizon XE. Upload ACH Federal Reserve Notifications of Change (NOCs) into OnBase. Verify company ID numbers and check for missing customer notices on all new stop payments. Receive and process Stop Pay Release Forms with customer authorization signatures. Review incoming Death Notification Entries (DNEs) in accordance with established procedures. Audit the Duplicate Transaction Report to ensure duplicate or piggyback items are properly returned. Assist branches and branch support with inquiries related to ACH, NOCs, ACH returns, reclamations, RIP/UIR, and teller outages. Monitor customer Positive Pay accounts via the First Bank Positive Pay website; return or correct items after the 11:00 a.m. customer cutoff. Maintain availability as an essential employee, with on-site or VPN access required during inclement weather or disaster scenarios per the Bank's BCP (Business Continuity Plan). Log support tickets or contact vendors (e.g., FIS/Horizon, Charge-Back Manager, other financial institutions) as needed. Complete all required annual compliance training courses. Adhere to all corporate policies, procedures, and applicable federal and state regulations, including the Bank Secrecy Act and Anti-Money Laundering Act. Uphold all levels of the Bank's Service Excellence standards. Perform additional duties as assigned. GENERAL QUALIFICATIONS Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. High school diploma or general education degree (GED); or the equivalent combination of education and experience. 1-2 years of experience in banking or financial operations. Knowledge and understanding of financial terminology, bank operations, policies, procedures and regulation Knowledge and experience in FIS Horizon will be a plus Strong attention to detail and analytical skills Excellent organizational and time management skills - ability to work with minimal supervision. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs. Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct personnel. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This position will ensure loans meet company standards for sale to the secondary market. A person will identify, analyze and balance transactional, borrower and property related risks to arrive at a loan decision of approval, suspense, counteroffer, or denial. PRINCIPAL ACCOUNTABILITIES: Time: Description: 10% Reviews all items and conditions provided by borrowers and ensures they meet the required guidelines by utilizing internal and external (e.g., agency) policies and procedures [e.g., automated underwriting systems such as DU or LPA] 10% Reviews applications and all pertinent disclosures to ensure compliance with all Federal, State and investor requirements are met and upheld. 10% Monitors property appraisal process to ensure value of property is accurately presented. 10% Analyzes documentation such as credit, income, assets, and appraisals to make sound underwriting decisions based on this analysis by using internal checklist. 10% Analyzes loan applications to identify any risk issues and/or potential misrepresentation. 10% Reviews documentation and ensures documents are properly classified and organized. 10% Makes quality underwriting decisions while maintaining Company turn-time expectations. 10% Reviews and clears conditions on all loans to ensure a complete loan package prior to closing. 10% Have the ability to rework loans to new terms, and identify additional conditions as needed. 10% Ability to work in a fast-paced, high-volume environment, while practicing sound lending judgment. BASIC QUALIFICATIONS: Bachelor's degree with 4 years of experience in mortgage underwriting or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Must have an active DE CHUMS and SAR number. * Must be familiar with all investor guidelines. * Working experience with DU, LP and GUS underwriting systems * Extensive knowledge of residential appraisal deficiencies according to USPAP * Experience with FHA/VA new-construction documentation, and condominium project approval requirements. * Experience handling multiple investors. * Possess excellent communication and organizational skills. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer

Reviews all loan types for document package completion, accuracy of documentation, perfection of security interest and accuracy of loan setup on the Bank's Core. Ensures that bank is in secure lien position. PRINCIPAL ACCOUNTABILITIES: Time: Description: 75% Review all documents for loans and renewals to ensure that the bank's security interest is perfected and that bank policies are adhered to. Ensure that all documents are imaged or noted as missing. 15% Document all exceptions found during loan reviews. Review all documents submitted to clear exceptions and update the exception system as appropriate. 5% Answer branch questions related to exceptions and help to educate branch personnel on how to clear and avoid exceptions. 5% Other duties as assigned (examples: UCC monitoring, Appraisal Violation Report, etc.) BASIC QUALIFICATIONS: High school diploma or GED with 3 years of experience with loan documentation review and loan systems or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Excellent oral and written communication skills. * Ability to work independently. * Detail oriented, self-motivated, and excellent organization and prioritization skills. PREFERRED QUALIFICATIONS: Working knowledge with Word, Excel, and Access The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Employer

Manage individual cash drawer and process customer transactions Maintain established teller cash drawer limits (top & bottom) and adhere to the work quality standards as outlined in the Teller Balancing Standards. Assist customers with account maintenance, service issues and inquiries to include but not limited to change of address, debit card servicing, stop payment, etc.) Assist with all bank functions (e.g. night drop, notary, ATM duties) Cross-sell additional bank products other than those requested by the customer. Achieve stated individual sales goals. Refer clients to other departments Provide exceptional customer service. Be flexible and adaptable to frequent changing environments, particularly important for Banking Associates who often work outside of their home branches. Be up to date with all technology and remote services. Attendance: Reporting to work on time and on scheduled day at your scheduled location. Face-to-face interaction with co-workers and the ability to work in a team environment. This position works 30-34 hrs/week Other Duties: (Additional things necessary to assist) Perform other branch specific tasks as defined by the Banking Center Manager or the Assistant Banking Center Manager. Process loose coin and maintain the coin machine. Facilitates cash shipments/orders Assist in balancing vault and ATM cash. Order branch supplies as required by branch activities. Assist customers in entering their safe deposit boxes. Log activity and customer interaction in Synapsys Liaison to special projects. Training: (Training required to be fully proficient in this position) Computer/Software training. Product specific training (e.g. IRA's). Quality customer service, including telephone etiquette. Bank security. Regulation CC (Procedures for placing holds on checks) HR training Bank Secrecy Act Privacy Act Other compliance training as assigned Communication: (Requirement to communicate orally and verbally) Each Banking Associate must possess well refined verbal and written communications skills to effectively and efficiently execute their duties. Effective communication with subordinates, management, and customers will greatly impact the success of the branch. Knowledge and Skills: (Any academic levels, years of experience or required skill) Proficiency in the above listed "training" requirements will be expected of each Banking Associate. Due to differences in personal experiences and education levels, these skills will be evaluated on an individual basis. Each Banking Associate will be required to pass a product proficiency exam annually and adhere to teller balancing standard requirements. Working Conditions: (How much time is spent standing, sitting, talking, use of hands, requirements to lift maximum weight amount and frequency) Depending upon the role of the Banking Associate, the majority of the day is generally spent at either the teller window or at a desk. The BA position requires the ability to move about the office and continuously operate a computer and other office machinery. In addition, some duties require the ability to move 45lbs. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed under the knowledge/skills section are representative of the knowledge, skill set, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

The Relationship Banker II is responsible for opening accounts for customers, preparing new account paperwork and requesting the required identification. This position is also responsible for conducting teller transactions and cash vault transactions in an accurate and timely manner. The incumbent is responsible for providing exceptional customer service while following Bank policies and procedures, maintaining essential controls and mitigating risk. The incumbent is also responsible for helping customers achieve their financial goals through the sales and servicing of bank products and services. The incumbent works with the branch team to achieve their team scorecard goals and is responsible for achieving their own individual scorecard goals. PRINCIPAL ACCOUNTABILITIES: Time: Description: 20% Responsible for opening accounts for customers and preparing new account paperwork and requesting the required identification. 20% Responsible for handling customer transactions and helping with account-related inquiries. Responsible for accurately maintaining and balancing cash drawers and vault as well as reconciling any discrepancies. 15% Responsible for identifying the needs of new and existing customers and offering appropriate products and services. 10% Responsible for assisting with internal controls and daily report follow-up as well as handling night depository deposits and other operational duties as assigned. 10% Responsible for consistently demonstrating the Bank's Right by You quality standards by providing a superior level of customer service. 10% Mitigate losses through work accuracy and adherence with Bank policies and procedures, internal controls and regulatory guidelines more fully described within the Bank Operations and Procedures Manual. 10% Responsible for achieving individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. 5% Other duties as assigned. BASIC QUALIFICATIONS: High school diploma or GED with one year of banking experience and two years of cash handling and customer service experience or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Demonstrates banking and product knowledge. * Strong relationship and sales skills. * Basic math and computer skills. * High level of accountability, efficiency, and accuracy. * Exceptional time management, communication, and customer service skills. * Must maintain a friendly, courteous, and professional demeanor. * Must complete teller training classes. * Must complete product knowledge, account maintenance, and account opening training classes. * Ability to pass a background check. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer

This position is responsible for assisting the loan officer in all loan related duties. This includes preparing and processing all loan approval and closing documents, clearing any loan deficiencies, contacting clients regarding necessary documents, collecting past dues, reviewing loan reports, and resolving customer account issues. This position is accountable for ensuring all loan documentation is in compliance with FDIC and Bank guidelines. In addition, this position helps with the preparation of new loan requests including data input, gathering financial information from customers and reviewing analysis for accuracy. This position may help with the preparation of loan renewals and modifications as well as portfolio management. PRINCIPAL ACCOUNTABILITIES: Time: Description: 20% Accurately and efficiently enter customer and loan information into the Banks loan documentation system. Ensure loans submitted are documented properly and the files contain all required information and documents. 20% Assist with loan closing process: loan packaging, closing, and post-closing duties. 15% Follow up on any document exceptions. Keep document exceptions to a minimum. 10% Assist with past due collections efforts. 15% Assist with loan processing items. Order property title searches and appraisals when appropriate. Order and review flood determinations. Request and review required income verifications. Submit appropriate and accurate attorney instruction letters and loan commitment letters. 10% Help with the preparation of new loan requests including data input, gathering financial information from customers and reviewing analysis for accuracy. 10% Help with the preparation of loan renewals and modifications as well as portfolio management. BASIC QUALIFICATIONS: High school diploma or GED with 3 years banking experience or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Strong MS Word, Excel and detail oriented. * Moderate analytical ability required to: Review customer information against established credit criteria, perform basic mathematical calculations, research and respond to customer inquiries promptly and accurately. * Must have the ability to effectively communicate. * Strong and demonstrated verbal, written, and listening skills are required. * Professional telephone skills and manners. PREFERRED QUALIFICATIONS: Bachelor's degree and previous loan processing and/or credit experience. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer

Supports the Bank's mission to be the best bank in the markets we serve through effective sales and service leadership, targeted business development efforts, and community involvement. The Senior Business Development Officer is responsible for developing and managing business banking relationships in accordance with Fidelity Bank's core Supports the Bank's mission to be the best bank in the markets we serve through effective sales and service leadership, targeted business development efforts, and community involvement. The Senior Business Development Officer is responsible for developing and managing business banking relationships in accordance with Fidelity Bank's core values and business principles in an assigned area. The incumbent assists with accomplishing the area's business objectives including business development strategies, sales efforts, and market expansion. The focus is on loan production and deposit growth level Determination - The Bank segments its' markets into 4 market categories (Expansion, Growth, Core and Established) and certain positions within the Bank have levels within that role to differentiate goals by market type and level of responsibility within the Bank. values and business principles in an assigned area. The incumbent assists with accomplishing the area's business objectives including business development strategies, sales efforts, and market expansion. The focus is on loan production and deposit growth Level Determination - The Bank segments its' markets into 4 market categories (Expansion, Growth, Core and Established) and certain positions within the Bank have levels within that role to differentiate goals by market type and level of responsibility within the Bank. PRINCIPAL ACCOUNTABILITIES: Time: Description: 34% Business Development and Quality Customer Service: * Achieves annual deposit, loan and referral sales results by developing new client relationships through networking with existing customers, leveraging COIs and making prospecting calls. * Interview potential loan custom-Achieves annual deposit, loan and referral sales results by developing new client relationships through networking with existing customers, leveraging COIs and making prospecting calls. * Interview potential loan customers and process loan requests. * Create a Personal Business Development Plan for the designated area. Include prospect list on predetermined profitable business and retail relationships. * Partner closely with the Branch Manager to ensure consistent and quality relationship building and quality commercial and consumer referrals between BDO and Branch Manager. * Develop partnership with Branch Manager and associates to cultivate a positive referral process. * Represent the Bank within the community by developing and promoting additional business. Serve as an officer with at least one community organization. * Meet production and performance goals process loan requests. * Create a Personal Business Development Plan for the designated area. Include prospect list on predetermined profitable business and retail relationships. * Partner closely with the Branch Manager to ensure consistent and quality relationship building and quality commercial and consumer referrals between BDO and Branch Manager. * Develop partnership with Branch Manager and associates to cultivate a positive referral process. * Represent the Bank within the community by developing and promoting additional business. Serve as an officer with at least one community organization. * Meet production and performance goals. 33% Credit Quality/Loan Yield/Portfolio Management: * Thoroughly analyzes credit risks, including the purpose of the credit, source of repayment, collateral, financial history, terms and conditions. * Analyze loan applications, financial statements, and base credit decisions on Bank Loan Policy. * Ensure ongoing credit quality by monitoring loans, managing past dues and watchlist loans. * Minimize Loan losses and exceptions through effective documentation, underwriting, timeliness, and relationship building. * Ensures profitability by maintaining average loan yield objectives. * Manages a portfolio of commercial loans. Prepares credit packages for review and approval by credit partners. * Perform loan-servicing duties to ensure conformity with loan terms and conditions. * Assists with timely collection of loan delinquencies. * Manage and enhance the growth of a quality loan portfolio with a focus on business lending. 33% Operational Risk/Compliance: * Ensures adherence with Bank policies and procedures and regulatory guidelines. * Minimize Loan losses and exceptions through effective documentation, underwriting, timeliness, and relationship building. BASIC QUALIFICATIONS: Bachelor's degree with 6 years of experience in commercial lending, credit, and business development or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Possess in-depth knowledge of commercial lending, including the ability to evaluate cash flow and collateral. * Advanced financial analysis, strong credit underwriting, and analytical skills. * Ability to handle confidential and proprietary information. * Excellent communication skills, oral and written. * Thorough understanding of loan laws and regulations. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Opportunity Employer

The Credit Analyst will support the field associates in completing credit memorandums for new and existing bank relationships. Key responsibilities include inputting and analyzing financial statement data and interpreting the repayment capacity of borrowers. The position will report to the Chief Credit Officer of the bank and work closely with Senior Credit Officers to minimize risk and help grow revenue for the bank. The Credit Analyst will be crucial in completing timely annual reviews of the bank's largest loan customers. PRINCIPAL ACCOUNTABILITIES: Time: Description: 10% Insure loan packages are complete according to bank policy. 25% Input and analyze financial statements and credit bureaus using proprietary bank software (primary tax returns). 20% Determine business and global cash flow of commercial borrowers. 15% Perform analysis on diverse types of collateral. 5% Assist lenders in determining the most appropriate loan structure. 5% Partner with bankers in completing credit memorandums for various sized businesses and requests. 10% Collaborate with bankers and Senior Credit officers to complete annual reviews on large borrowers. 5% Assist Chief Credit Officer with regulatory compliance. 5% Other duties as assigned. BASIC QUALIFICATIONS: Bachelor's degree and 2 years of experience in commercial or consumer lending or an equivalent combination of education and experience. ADDITIONAL QUALIFICATIONS: * Experienced in reading balance sheets, income statements, credit reports, personal financial statements. * Strong understanding of business entity legal structures, risk rating, and financial statement ratio analysis. * Ability to locate and use relevant industry analysis. PREFERRED QUALIFICATIONS: Excellent computer skills including experience with proprietary bank software and Microsoft Office. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Affirmative Action/Equal Employer

Commercial Banker II Reports To: City Executive/Commercial Market Executive/Area Executive/Regional Executive None FLSA Status: Exempt The position is responsible for the development and maintenance of profitable commercial banking client relationships. Make and service a variety of secured and unsecured business loans or lines of credit. May receive assistance from senior officers in credit extensions above his/her authority, or for complex credits, but will handle most loans and customers independently. Obtain and direct analysis of financial data. May also provide other banking services as needed by customers. Specific Job Functions (Duties/Responsibilities): Solicit, originate, underwrite and approve Small Business and Commercial Loans, Mortgage Loans and Leases within assigned authority and present recommendations to Loan Committee for higher amounts. Make sound credit decisions based on Bank lending policy. Analyze and underwrite credit requests fully to understand client need and to protect Bank asset quality. Insure all loans made or rejected comply with laws and regulations. Insure accurate, proper and complete loan documentation on all loans (review all documents completed by loan officer assistant or a closing attorney). Administer rates fairly and price according to bank policy for risk and credit quality. Develop business through an active calling program and community involvement. Establish commercial loan and business development goals with Supervisor. Identify target loan clients. Join and be active in key civic clubs and/or area Chamber of Commerce. Join and be active in community development projects/committees. Actively sell and cross-sell the Banks products and services in a professional manner, inside as well as outside the Bank. Work with retail or branch staff to refer consumer loans and deposits per needs identified. Introduce Clients to other Bank business services specialists as needed to fully meet client needs. Maintain current knowledge of all Bank services and products. Proactively manage and service both new and existing (or assigned) loan portfolios to ensure a minimum of delinquencies, substandard loans and documentation exceptions. Collect past due loans and work to resolve any workout loan situations. Actively monitor past due accounts and communicate and coordinate resolutions to any past due and workout situations with Credit Administration. Anticipate maturities, obtain financials and renew loans on time. Perform other duties as assigned. JOB REQUIREMENTS: Knowledge/Skills/Abilities Required: The ability to schedule, prepare for and conduct professional business development calls on customers and prospects. Ability to organize and schedule daily appointments. Ability to analyze commercial and small business financials and tax returns, and to underwrite loan requests. Knowledge of the types of loans and loan documentation utilized at Southern Bank. A thorough working knowledge of Southern Bank lending policy. Knowledge of applicable lending laws and regulations. Ability to work with limited supervision, and seek assistance as needed. Personal credibility and the ability to sell Bank products and services. Strong oral and written communications skills. Education/Experience Requirements: Bachelor's degree in business or a related field. Typically a minimum of ten years of experience originating and/or underwriting commercial loans, small business loans; mortgage loans and leases. Experience with not-for-profit and/or government guaranteed lending (I.E. SBA Loans, Tax Credit lending, Farm Service Ag Loans, Churches, Rural Fire and EMT Stations, etc) preferred.

Job Description The Item Exceptions Processing Specialist supports daily exception processing activities for both consumer and commercial banking operations. This role is responsible for handling transactional tasks such as return item processing, unposted item repair, and posted exception resolution for DDA and savings accounts. Additional duties include reviewing stop payment suspect reports, processing daily chargebacks, and managing death notification entries. This position is considered essential and requires on-site presence or secure VPN access during inclement weather or emergency situations to ensure continuity of operations. ESSENTIAL FUNCTIONS Process return items and unposted items, including unauthorized and Federal Reserve returns. Handle chargeback items and follow special instructions for chargeback processing. Review and return stop payment suspects as directed by branch instructions. Balance general ledger (GL) accounts, including: FED Returns Clearing GL DDA/Savings Unposted GL Special Handling GL Review and correct ACH exception items by updating account numbers or types in Horizon XE. Upload ACH Federal Reserve Notifications of Change (NOCs) into OnBase. Verify company ID numbers and check for missing customer notices on all new stop payments. Receive and process Stop Pay Release Forms with customer authorization signatures. Review incoming Death Notification Entries (DNEs) in accordance with established procedures. Audit the Duplicate Transaction Report to ensure duplicate or piggyback items are properly returned. Assist branches and branch support with inquiries related to ACH, NOCs, ACH returns, reclamations, RIP/UIR, and teller outages. Monitor customer Positive Pay accounts via the First Bank Positive Pay website; return or correct items after the 11:00 a.m. customer cutoff. Maintain availability as an essential employee, with on-site or VPN access required during inclement weather or disaster scenarios per the Bank's BCP (Business Continuity Plan). Log support tickets or contact vendors (e.g., FIS/Horizon, Charge-Back Manager, other financial institutions) as needed. Complete all required annual compliance training courses. Adhere to all corporate policies, procedures, and applicable federal and state regulations, including the Bank Secrecy Act and Anti-Money Laundering Act. Uphold all levels of the Bank's Service Excellence standards. Perform additional duties as assigned. GENERAL QUALIFICATIONS Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines. High school diploma or general education degree (GED); or the equivalent combination of education and experience. 1-2 years of experience in banking or financial operations. Knowledge and understanding of financial terminology, bank operations, policies, procedures and regulation Knowledge and experience in FIS Horizon will be a plus Strong attention to detail and analytical skills Excellent organizational and time management skills - ability to work with minimal supervision. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs. Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct personnel. Physical Demands/Work Environment: Vision, hearing, speech, dexterity, visual concentration. A valid driver's license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment. Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations' environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations' situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.