Retail Teller
Heartland Bank & Trust Co job in Princeton, IL
Text "2326" to ************** to apply. Wage Range: Min: $16.00, Mid: $17.99, Max: $19.99 The Retail Teller is a frontline representative and the face of Heartland Bank and Trust within the communities we serve. The Retail Teller is an essential, service-oriented part of the retail team and is responsible for efficient and accurate processing of customer transactions. Provides excellent customer experiences while building and developing relationships.
What you will do
* Facilitate an excellent customer experience, engaging customers by name, in a friendly professional manner.
* Build and foster customer relationships by proactively identifying their needs and offering appropriate solutions.
* Knowledge of and ability to provide products and services available through the retail banking branch.
* Complete transactions accurately and efficiently, including cash handling.
* Comply with all policies and procedures to minimize the risk of fraud.
Qualifications/Requirements
* Participate in various retail and bank projects as necessary.
* H.S. Diploma or GED preferred or equivalent combination of education and experience.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click
Commercial Lender II
Heartland Bank & Trust Co job in Springfield, IL
Text "2427" to ************** to apply. Wage Range: Min: $72,689, Mid: $95,069, Max: $117,449 Solicits and services a variety of smaller commercial and/or agricultural loans. Interviews applicants and obtains information regarding earnings and financial condition to evaluate the applicant's creditworthiness. Approves or denies loan within established limits or refers loan to designated members of Senior Management for approval. May assist more experienced loan officers with larger or more complex loans. Works on projects/matters of limited complexity in a support role. Work is closely managed.
Commercial Lender II - Manages a portfolio of up to 200 notes consisting of small business and/or agricultural loans, and smaller/noncomplex CRE loans, with average total loan portfolio balances of $10MM to $20MM and has yet to demonstrate consistent business development skills. Annual new loan generation of $1MM plus.
Commercial Lender II - (Suburban-Metro) Manages a portfolio of up to 200 notes consisting of small business and/or agricultural loans, and smaller/noncomplex CRE loans, with average total loan portfolio balances of $20MM to $30MM and has yet to demonstrate consistent business development skills. Annual new loan generation of $2MM plus.
What you will do
* Engage in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Banks products and services.
* Gather and analyze all information necessary to present a financing request to Senior Management for approval; meet with existing or potential customers; visit sites of loans; negotiate loan terms and conditions; approve loans within established lending limits or refer and recommend approval to designated members of Senior Management and/or the Chief Credit Officer.
* Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; solve problems and ensure maintenance relative to processing and servicing of loans within his or her portfolio; approve loan disbursements in accordance with agreements; Negotiate, underwrite and process renewals of credit facilities.
* Authorize commitment, engagement, auction, and decline letters.
* Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competition.
* Responsible for meeting annual loan and deposit growth goals assigned by Senior Management.
* Assume responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel.
* Review NSF and overdraft reports for customers assigned within his or her portfolio; approve or decline such exceptions within established lending limits.
Other Qualifications/Requirements
* Bachelors degree and minimum 1-year related experience preferred or equivalent combination of education and experience.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click
Relationship Manager Senior CB
Springfield, IL job
WHAT IS THE OPPORTUNITY? Develops and manages relationships with commercial clients in the assigned business segment and/or geographic areas. Presents a variety of product solutions to client needs. Provides responsive, quality service. Approves transactions within delegated authority. Manages overall relationship profitability and portfolio risk and is responsible for profitable growth of the portfolio assigned. This may be accomplished through active calling efforts and referrals from existing customers, providing the CNB exemplary level of service, identifying and promoting solutions to customer needs, and maintaining an active calling program.
WHAT WILL YOU DO?
* Identifies develops and builds profitable relationships with prospects and customers consistent with the objectives of the bank.
* Actively works with customers and develops prospects consistent with the credit culture of the bank. Is pro-actively identifying and working with customers to ensure the credit quality standards of the bank.
* Develops relationships and support other CNB departments and colleagues to provided customers and prospects the solutions recommended. Participates in internal and external community activities as a representative of CNB, promoting and attracting new colleagues and customers.
* Prepares a Relationship Plan and calling schedule for each client or prospect in conjunction with the strategic business development program. Identifies business opportunities and solicits referrals of other Bank products or services and/or externally from existing customers, a network of referral sources, and other professionals in the industry. Develops a strong understanding of company, industry, business and needs to assist in customer calling efforts. Sets objectives for each relationship in terms of revenue contribution, etc.
* Calls on existing or prospective clients to discuss and promote all Bank products and services in order to establish a total client banking relationship. Discusses financing opportunities and general business conditions; may assist in forecasting clients' credit needs and develops solutions to serve their financial needs. Brings in product specialists, as necessary, to help problem solve or structure transactions.
* Negotiates transactions; prices loan products within targeted rate of return; documents and closes loan transactions, ensures conformance with Bank policy and regulatory requirements. Exercises sound credit and risk judgement in approving transactions. Recommends approval when transaction size exceeds authority limits. Ensures the quality of all business introduced to the Bank.
* Represents the Bank by actively participating in outside civic and community affairs, business and industry-related organizations, and other professional activities as appropriate.
* Interfaces with other Bank departments as necessary. Defines responsibilities and coordinates objectives for all product areas in a relationship or transaction. Resolves all client needs and any internal issues.
* Monitors and analyzes relationship results and account activities. Determines client profitability. Makes a recommendation regarding accounts to be further developed or eliminated. Prepares reports for management.
* Monitors portfolio for quality, risk and adherence to policy. Works with the appropriate staff departments to resolve issues.
* Maintains awareness of competitive products, practices, rates and changes in market conditions.
* Analyzes problem credits and meets with client to develop solutions to minimize loss exposure.
* May serve as a product specialist acting as a technical consultant to clients and Relationship Managers in various business segments and geographic locations.
* Relationships in portfolio may contain numerous accounts requiring extensive operational expertise to manage workflow to match client needs, risk control and maximize cross selling potential
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* Minimum 5 years of lending experience required.
* Minimum 5 years of credit experience required
*Additional Qualifications*
* Good understanding of all products and services applicable to target client segment.
* Good knowledge of commercial credit policies and procedures, and bank operations policies and procedures.
* Demonstrated sales and marketing abilities.
* Good credit analysis and accounting skills.
* Capable of working well independently and in teams.
* Has the ability to work autonomously in making sound business decisions and exercises appropriate level of authority commensurate with experience and responsibility.
* Strong interpersonal, verbal, and written communication skills.
* Strong demonstrated sales and marketing abilities including cross selling skills.
* Superior client relationship skills.
* Good understanding of commercial credit policies and procedures.
* General knowledge of Bank credit products and underwriting standards required to identify credit opportunities with clients and initiate the credit transaction.
* Sound credit analysis and accounting skills.
* Must be able to work autonomously in making sound business decisions and exercising appropriate level of authority commensurate with experience and responsibility.
* Must be capable of working well independently and in teams.
* Strong interpersonal, verbal, and written communication skills.
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $122,535 - $208,715 per year. 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.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
Security Guard
Chicago, IL job
It's fun to work at a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business.
Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.
The Security Guard is responsible for maintaining a safe and secure environment for all those who enter the bank by actively monitoring the premises, including patrolling a variety of locations. They preserve order while enforcing regulations and directives.
Essential Job Functions include, but are not limited to:
Staying alert, always looking for potential threats to the safety of associates and customers.
Investigate suspicious behavior.
Monitor and authorize the entry/departure of all those coming and going at the bank (employees, customers, vendors).
Diffuse potential threats to associates, customers, or the branch.
In the case of a robbery, safeguard associates and customers.
Act as a liaison between the police and the branch.
Open and close bank facilities, setting alarms when appropriate.
Escort customers with large sums of cash, or when needed, to their vehicles safely.
Maintain service logs of all outside vendors who enter the branch.
Perform duties related to the Bank Secrecy Act under the guidance of the BSA Officer.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. In accordance with the Americans with Disabilities Act, Reasonable Accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.
Skills and Abilities Required to Perform Essential Job Functions:
Strong internal and external customer service focus.
Excellent interpersonal and communication skills.
Proficiency in Word, Excel, PowerPoint, and Outlook.
Possess a high degree of integrity when dealing with sensitive information.
Ability to work with individuals across all levels of the organization.
Ability to be a proactive and energetic team player.
Ability to be a self-starter and adapt to a fast-paced work environment.
Ability to work under high pressure.
Education, Experience and Qualifications:
High School Diploma or GED equivalent required.
1 -2 years armed security experience required.
Valid 40-Armed Security Training Certificate Required.
Physical Requirements of Essential Job Functions:
The associate is frequently required to sit and/or stand, walk, or run, communicate, reach, and manipulate objects, tools or controls that are typical of an office/bank environment. Lifting items weighting up to 10 pounds on a consistent basis. Manual dexterity and coordination are required over 80% of the work period while operating equipment such as computers, phones, calculators, alarms, vault doors, etc.
Working Conditions:
Typical office environment.
Extended viewing of computer screens.
Periodic travel between locations.
Hours per week are usually 25-28, Saturday rotation required.
The above statements are intended to describe the general nature and level of work performed by associates assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of the associate classified as such. Duties and responsibilities may be added or changed as deemed appropriate by management at any time therefore, they could differ from those outlined above.
United Fidelity Bank is proud to be an Equal Opportunity/Affirmative Action employer All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law
.
Min. $16.60
Max $17.50
Auto-ApplyRetail Supervisor
Heartland Bank & Trust Co job in Jacksonville, IL
Text "2413" to ************** to apply. Wage Range: Min: $19.51, Mid: $23.45, Max: $27.39 The Retail Supervisor is a frontline leadership position with the growth opportunity to management. Serves as a role model and mentor, ensuring optimal customer experiences, efficient operations, and support of bank initiatives within the branch.
What you will do
* Demonstrate an excellent customer experience, engaging customers by name, in a friendly professional manner.
* Guide retail staff through frontline training to follow policies and procedures, promote compliance with auditing standards, and demonstrate sound judgement to minimize the risk of fraud.
* Coordinate and perform retail duties as needed including customer transactions, opening and servicing deposit accounts, and consumer lending.
* Demonstrate and share advanced knowledge of branch operations, bank products, and services.
* Schedule retail team to maintain optimal coverage and standards of service.
* Perform essential activities to meet established goals.
* Exercises independent judgement and proactively seeks solutions.
Other Qualifications/Requirements
* Participate in various retail and bank projects as necessary.
* H.S. Diploma or GED and minimum 2 years Banking, Sales/Marketing, Retail, Sales Associate preferred or equivalent combination of education and experience.
* Must comply with all requirements of the SAFE Act and obtain a Unique Identifier from the NMLS.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click
Investment Consultant
Remote or Springfield, IL job
*INVESTMENT CONSULTANT - Remote based in CO* WHAT IS THE OPPORTUNITY? Expand and deepen the network of Independent Financial Advisors, CPA's & attorneys referring clients to Royal Bank of Canada (RBC) Rochdale and to communicate and meet high net worth investors who have expressed an interest in RBC Rochdale investment services. Develops "partnering" relationships with Independent Financial Advisor, accounting firms, and estate planning firms with the objective of providing the highest level of investment management services to their clients. Performance in the role is based on the acquisition of new assets under management.
WHAT WILL YOU DO?
* Develop and implement programs designed to increase the quality and quantity of Independent Financial Advisors, accounting and law firms referring clients to RBC Rochdale.
* Ensure that Independent Financial Advisors are kept abreast of firm and industry developments.
* Ensure that the transition from the sales process to portfolio management is smooth and accurate.
* Facilitate the new accounts and account transfer process.
* Handle Independent Financial Advisor and client communication.
* Prepare client presentations.
* Communicate regularly with centers of influence to ensure that products and services are meeting their needs, expectations and specifications.
* Facilitate and conduct individual meetings and presentations in assigned territory.
* Generate new assets to the firm using a highly professional consultative sales approach.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree
* Minimum 5 years of financial experience preferably in Investment Management
* 2 years of experience in the High Net Worth or Ultra High Net Market markets
* 2 + years delivering formal client presentations
* FINRA Series 7 and 63 or 66 licenses
* Ability to travel 40-50% of the time
*Additional Qualifications*
* CFA - Chartered Financial Analyst (or in process of becoming CFA Charterholder)
* Highly competitive and goal-oriented
* A focus on sales and new business development
* Masters Degree preferred
* Working knowledge of portfolio management, including knowledge of investment techniques and asset allocation, investment research, capital market behaviors, and financial instruments generally acquired through years of investment and /or HNW related experience.
* Experience in the High Net Worth or Ultra High Net Market markets
* Working knowledge of financial planning, investment and/or HNW economic issues (aka "continual learner") and the ability to apply principal techniques of portfolio management, along with excellent communication skills to effectively interface with clients and investment colleagues.
* Prior success in the HNW or UHNW market
* Excellent communication skills
* Self-motivated and self-disciplined
* Strategic thinker, able to assess and recommend a course of action
* Highest level of both personal and professional demeanor and ethical behavior
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $101,231 - $172,355 per year. 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.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
\#LI-DN1
\#CA-DN1
Portfolio Manager
Remote or Chicago, IL job
WHAT IS THE OPPORTUNITY? Manage Royal Bank of Canada (RBC) Rochdale client assets. Develop investment strategies and make investment decisions, to achieve clients' investment goals. WHAT WILL YOU DO? * Relationship Management * Expand and deepen relationships with financial advisors and clients.
* Act in a leadership role and as technical resource for advisors.
* Ensure that advisors are kept abreast of firm and industry developments.
* Ensure that the transition from the sales process to portfolio management is smooth and accurate.
* Handle advisor and client communication. Serve as the central point of the relationship.
* Prepare client presentations.
* Communicate regularly with advisors to ensure that investment solutions and services are meeting their needs, expectations, and specifications.
* Facilitate and conduct individual meetings and presentations.
* Operate and represent RBC Rochdale with the highest level of integrity and work ethic.
* Account and Portfolio Management
* Manage an assigned group of investment portfolios.
* Work closely with clients and advisors, advising them on strategies to achieve investment goals.
* Structure investment portfolios and rebalance asset allocation within client's investment objects and risk tolerance.
* Trade implementation and strategic rebalancing for new and existing client accounts.
* Review the assets in each account periodically to ensure that investments meet the intent and strategies of the client.
* Manage cash flow, reinvestment and liquidity requirements.
* Communicate to clients about current market conditions, investment alternatives, asset allocation and portfolio results. Make adjustments to their investment strategies as needed.
* Attend client meetings.
* Business Development
* Work with advisors to acquire new business, work on bringing in additional assets from existing clients.
* Investment Strategy/Trading and Research
* Demonstrate expert knowledge of both internal and external investment solutions.
* Communicate strategic shifts and changes in the marketplace to clients, advisors, and internal colleagues.
* Analyze alternative investment and risk scenarios (e.g. relative value, overall investment return, interplay of various asset classes, and comparative return of different markets)
* Risk Management and Compliance
* Follow appropriate Regulation 9 process.
* Accurately complete various compliance related reporting in a timely manner.
* Maintain all appropriate training and continuing education requirements for both internal programs and external licenses and certifications.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* CFA - Charter Financial Analyst
* Master's Degree
* A minimum of 10 years of investment management experience
* FINRA Series 7 and 66 licenses (or ability to obtain)
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $122,548 - $208,711 per year. 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.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
\#LI-DN1
\#CA-DN1
Part Time Relationship Banker
Heartland Bank & Trust Co job in Minooka, IL
Text "2409" to ************** to apply. Wage Range: Min: $17.95, Mid: $20.90, Max: $23.84 The Relationship Banker is a frontline representative and the face of Heartland Bank within the communities we serve. Responsible for welcoming our customers, providing excellent customer experiences, and building relationships. The Relationship Banker is a multi-functional, service-oriented individual that is ready to meet our customers' needs. Proactively promotes all Heartland Bank products and services. Offers financial solutions to fit customers' needs in a confident manner.
What you will do
* Create an excellent customer experience and engage customers by name.
* Provide customer support needed to reinforce the value of current and new technology.
* Engage current and prospective customers in relationship building conversations to identify needs and offer appropriate solutions to grow customer relationships.
* Maintain a working knowledge of products, services, and processes.
* Open and service customer accounts, including customer outreach and follow up.
* Follow policies and procedures to minimize the risk of fraud.
Other Qualifications/Requirements
* Participate in various retail and bank projects as necessary.
* May assist with Retail Teller duties as needed.
* H.S. Diploma or GED preferred or equivalent combination of education and experience.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click
Retail Manager
Heartland Bank & Trust Co job in Decatur, IL
Text "2426" to ************** to apply. Wage Range: Min: $57,574, Mid: $71,428, Max: $85,282 The Retail Manager develops business, people, and accomplishes goals to drive top performance of the branch. They collaborate with other lines of business to maximize growth opportunities within the communities they serve. Ensures optimal customer experiences, efficient operations, and support of bank initiatives within the branch.
What you will do
* Attracts, retains, and supports the career development of retail team members.
* Develop and foster relationships with key customers and prospects within the community.
* Demonstrate an excellent customer experience, engaging customers by name, in a friendly professional manner.
* Coach and mentor retail staff through frontline training to follow policies and procedures, promote compliance with auditing standards, and demonstrate sound judgement to minimize the risk of fraud.
* Maintain a well-developed working knowledge of the Bank's products and services.
* Lead and drive successful sales and service initiatives.
* Facilitate and support sales meetings and daily huddles.
* Coordinate and perform retail duties including customer transactions, opening and servicing deposit accounts, and consumer lending.
* Collaborate with Retail Support Manager and other lines of business to align branch efforts with the strategic direction of Heartland Bank.
Other Qualifications/Requirements
* Participate in bank and community initiatives.
* Associates Degree in related Curriculum and minimum 3 years banking, sales/marketing, retail, sales associate preferred or equivalent combination of education and experience.
* Minimum 1 year leadership preferred or equivalent combination of education and experience.
* Must comply with all requirements of the SAFE Act required.
* Obtain a Unique Identifier from the NMLS required.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click
Mortgage Loan Underwriter Senior
Springfield, IL job
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 ****************************************************************************************************
ABOUT CITY NATIONAL
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.
*City National Bank does business in Miami and the state of Florida as CN Bank.
For more information about City National, visit *********************
*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. 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 the laws or regulations in the locations where we operate or in our Code of Conduct. **************************************************************************************************
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
Residential Lending Loan Officer Associate
Remote or Springfield, IL job
WHAT IS THE OPPORTUNITY? Provide support to one or more Residential Loan Officer to facilitate the timely review and submission of completed mortgage loan application packages, including supporting documentation required to process loan requests or modification requests. Support the Loan Officer in loan preparation and coordination with the operation teams to obtain/transmit necessary documentation and condition requests. Track and update Loan Officer on loan and pipeline status.
WHAT WILL YOU DO?
* Assists the Loan Officer with new loan application by collecting supporting documentation, entering information into loan operating system and any other administrative responsibilities related to the preparation of a mortgage application.
* Managing all loan related documents in a share drive or other repository for such documents.
* Manage reporting to track needs by loan and the Loan Officer.
* Assists the Loan Officer in submitting conditions, monitoring expiration date on credit commitments.
* Contacts borrowers directly for additional information related to loan requests including documentation require to meet conditions necessary to complete the successful closing of the loan.
* Provide ongoing support for compliance with all applicable laws, regulations and administrative duties.
* Answers calls from borrowers, escrow, title, agents etc. regarding status and general questions throughout the process of the loan.
* Maintains a proactive commitment to established Bank programs, such as Customer first, Community Reinvestment Act (CRA) and Equal Employment Opportunity.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* H.S. Diploma
* Minimum 1 year of Customer Service experience or financial experience
* SAFE Act Registration. 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.
*Additional Qualifications*
* Bachelor's degree highly preferred
* Excellent verbal and written communication skills. Must have good analytical skills and the ability to pay close attention to detail.
* Utilizes independent judgment under general supervision.
* May interact with clients, and occasionally with vendors and other outside lending institutions to obtain information and/or request documents.
* Considerable knowledge of the job and the practical application to problems and situations ordinarily encountered.
*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.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
\#LI-RK
\#CA-RK
Retail Teller Regional Float
Heartland Bank & Trust Co job in Springfield, IL
Text "2416" to ************** to apply. We are looking for someone that is willing to travel and work in different locations. The schedule will vary due to branch needs. This position covers branch staffing needs of our "Springfield and Jacksonville" Branches.
Wage Range: Min: $16.00, Mid: $17.99, Max: $19.99
A Brief Overview
The Retail Teller is a frontline representative and the face of Heartland Bank and Trust within the communities we serve. The Retail Teller is an essential, service-oriented part of the retail team and is responsible for efficient and accurate processing of customer transactions. Provides excellent customer experiences while building and developing relationships.
What you will do
* Facilitate an excellent customer experience, engaging customers by name, in a friendly and professional manner.
* Build and foster customer relationships by proactively identifying their needs and offering appropriate solutions.
* Knowledge of and ability to provide products and services available through the retail banking branch.
* Complete transactions accurately and efficiently, including cash handling.
* Comply with all policies and procedures to minimize the risk of fraud.
Other Qualifications/Requirements
* Participate in various retail and bank projects as necessary.
* H.S. Diploma or GED preferred or equivalent combination of education and experience.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click
Community Lending Mortgage Banker
Springfield, IL job
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.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
\#LI-RK
\#CA-RK
Relationship Banker
Heartland Bank & Trust Co job in Champaign, IL
Text "2421" to ************** to apply. Wage Range: Min: $17.95, Mid: $20.90, Max: $23.84 The Relationship Banker is a frontline representative and the face of Heartland Bank within the communities we serve. Responsible for welcoming our customers, providing excellent customer experiences, and building relationships. The Relationship Banker is a multi-functional, service-oriented individual that is ready to meet our customers' needs. Proactively promotes all Heartland Bank products and services. Offers financial solutions to fit customers' needs in a confident manner.
What you will do
* Create an excellent customer experience and engage customers by name.
* Provide customer support needed to reinforce the value of current and new technology.
* Engage current and prospective customers in relationship building conversations to identify needs and offer appropriate solutions to grow customer relationships.
* Maintain a working knowledge of products, services, and processes.
* Open and service customer accounts, including customer outreach and follow up.
* Follow policies and procedures to minimize the risk of fraud.
Other Qualifications/Requirements
* Participate in various retail and bank projects as necessary.
* May assist with Retail Teller duties as needed.
* H.S. Diploma or GED preferred or equivalent combination of education and experience.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click
Portfolio Manager II
Chicago, IL job
*Portfolio Manager II - Middle Market, Food and Beverage* WHAT IS THE OPPORTUNITY? The Portfolio Manager is part of the credit management team focused on the long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub-set of existing credits and is a key partner in the origination of new credits. Primary responsibilities include: Provide comprehensive credit recommendations and presentations to key risk partners related to prospect(s) and existing clients of the bank (including moderate to complex new credit structures, modifications, and extensions) based on a comprehensive review of the borrower(s) and guarantor(s)' financials (which may include current and historical financial statements, tax returns, projections and/or cash flow proformas.) This individual is expected to present credit recommendations within the bank's risk appetite and framework and follow the bank's policies, processes and procedures. This individual is expected to be responsive to their clients' credit needs with an elevated level of client service and credit acumen to address their needs appropriately and timely. This individual is responsible for the ongoing oversight and management of its portfolio (including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.).
*Role:* Underwrite and manage cash-flow and asset-based loans ≥$25.0 million for the national Food & Beverage ("F&B") platform across the sponsor and strategic channels. Target Borrower profiles, both private and public, have EBITDA >$10.0 million and Revenue >$100.0 million. Structures typically include revolvers, term loans, delayed draw term loans, and CAPEX lines across multiple product lines. Transaction types typically include leveraged buyouts, management buyouts, refinances, growth capital, recapitalizations, add-on acquisitions, etc.
*Underwriting:* Lead or support due diligence efforts as Agent or Participant for Borrowers across the F&B value chain (i.e. manufacturers, processors distributors, grocers, etc.). Core competencies include historical and projected financial statement analysis, dynamic 3-statement financial modeling, credit memorandum preparation, legal documentation and loan closing. Focus areas often include commodity/labor/freight management, customer and supplier terms, capital intensity and utilization, product/channel/customer/supplier stratification, food safety, etc.
*Portfolio Monitoring:* Manage a portfolio of Borrowers across multiple F&B subsectors with various structures, roles, commitments and risk ratings. Perform monthly/quarterly and annual reviews covering financial performance, risk ratings, capacity to repay, covenants, etc. Evaluate credit requests to assess creditworthiness, prepare the corresponding approval memorandums, and document waivers/consents/amendments, as applicable. Focus areas often include same-store sales, input costs, consumer demand, tariffs, inflation, etc.
WHAT WILL YOU DO?
* Teamwork: Mentors junior colleagues, fosters a culture of continuous improvement and professional growth.
* Portfolio Management: Owns and manages an assigned credit portfolio, ensuring alignment with organizational goals and risk management practices, including underwriting all types of credit exposures, managing credit risk, and responding to prospective client inquiries.
* Credit Analysis: Analyzes credit data and perform underwriting to assess creditworthiness and recommend appropriate structures to the Sales team and client. Prepare underwriting memorandums and approval documents for presentation to Credit Risk.
* Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
* Data Analysis: Analyzes credit data to support underwriting and creditworthiness assessments including developing and presenting individual credit recommendations.
* Risk Management: Practices effective risk management, maintaining high standards of credit quality and origination in alignment with Bank's credit risk appetite, and compliance with institutional and regulatory requirements.
* Collaboration: Partners with Relationship Manager(s) to successfully manage credit account relationships. Work closely with cross-functional teams to ensure cohesive and effective credit operations to achieve the Bank's strategic initiatives. Participate in ad-hoc projects to support the organization's priorities.
* Client Service: Provides exceptional client service by maintaining professionalism and effectively interacting with clients to understand their needs and provide tailored credit solutions. Participate in joint sales pitches with Relationship Manager(s).
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree in Finance, Business, or related field
* Minimum 5 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries
*Additional Qualifications*
* Intermediate experience in credit management and lending operations, with a strong understanding of risk management principles
* Desire to build leadership and coaching skills, with the ability to train and develop talent
* Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
* Intermediate analytical skills, with the ability to interpret complex data and make informed decisions
* Industry-specific knowledge and expertise
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $48.66 - $82.86 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.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
\#LI-JO1
\#GD-JO
\#CA-JO
Sr. Commercial Review Appraiser
Remote or Springfield, IL job
*COMML REVIEW APPRAISER SENIOR* WHAT IS THE OPPORTUNITY? The Commercial Real Estate Review Appraiser is responsible for the engagement of third-party vendors and review of appraisal reports for the Bank's real estate secured loans and related supporting functions. This position works to minimize risk by conducting valuation research, analysis and providing guidance and recommendations to the lending and credit risk staff. The Commercial Real Estate Review Appraiser will be evaluating a variety of property types, including but not limited to, industrial, multi-family, office, retail shopping centers, special use, etc.
WHAT WILL YOU DO?
* Primary responsibility is to manage the full process of a valuation request from the procurement of the appraisal report to the completion of the review report.
* Develops scope of work for soliciting appraisals bids in line with internal appraisal selection process and provides lending team with recommendations.
* Maintain effective communication with engaged vendors and manage issues/field questions to maintain the integrity of the appraisal assignment.
* Reviews the quality and accuracy of appraisal reports to ensure compliance with federal and state regulations, including FIRREA, Interagency Appraisal and Evaluation Guidelines, Uniform Standards of Professional Appraisal Practice (USPAP) and internal Bank policies, as well as review the reasonableness of the value conclusion (if warranted, develop an internal value conclusion).
* Coordinates the resolution for any appraisal deficiencies with third party vendors and request revisions, as well as being a liaison between lending team and appraiser regarding any appraisal disputes.
* Monitors regulatory standards and industry guidelines for any changes that impact the real estate valuation process; assists with updating related internal policies, procedural manuals, and research libraries.
* Familiarity with trends in local markets, being knowledgeable of economic and industry changes, and applying that knowledge to ascertain the accuracy and quality of appraisal reports under review.
* May complete internal real estate market evaluations on commercial or residential properties where an appraisal report is not required.
* Provide support to the department on additional responsibilities as directed.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* Minimum 7 years of experience appraising and/or reviewing appraisals of various commercial property types for a financial institution required.
* Minimum 5 years of experience in real estate, banking or financial industry
* Property/Real Estate Management\Certified Real Estate Appraiser
*Additional Qualifications*
* Strong written and oral communication skills with an ability to effectively communicate between the lending team and third-party vendors.
* Proficiency with Microsoft Word, Excel and cash flow software applications such as Argus; familiarity with appraisal order management software.
* Must have a clear understanding and knowledge of USPAP and federal appraisal regulatory requirements.
* Strong analytical and research skills; developed technical writing ability.
* Proven ability to be self-motivated and manage multiple projects simultaneously in order to meet deadlines and quality standards.
* Strong problem resolution and analytical skill; ability to make objective decisions based on analysis of data within restricted time frames.
* Familiarity with environmental assessment reports is a plus.
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $70,000 - $130,000 per year. 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.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
Retail Manager
Heartland Bank & Trust Co job in Farmer City, IL
Text "2412" to ************** to apply. Wage Range: Min: $57,574, Mid: $71,428, Max: $85,282 The Retail Manager develops business, people, and accomplishes goals to drive top performance of the branch. They collaborate with other lines of business to maximize growth opportunities within the communities they serve. Ensures optimal customer experiences, efficient operations, and support of bank initiatives within the branch.
What you will do
* Attracts, retains, and supports the career development of retail team members.
* Develop and foster relationships with key customers and prospects within the community.
* Demonstrate an excellent customer experience, engaging customers by name, in a friendly professional manner.
* Coach and mentor retail staff through frontline training to follow policies and procedures, promote compliance with auditing standards, and demonstrate sound judgement to minimize the risk of fraud.
* Maintain a well-developed working knowledge of the Bank's products and services.
* Lead and drive successful sales and service initiatives.
* Facilitate and support sales meetings and daily huddles.
* Coordinate and perform retail duties including customer transactions, opening and servicing deposit accounts, and consumer lending.
* Collaborate with Retail Support Manager and other lines of business to align branch efforts with the strategic direction of Heartland Bank.
Other Qualifications/Requirements
* Participate in bank and community initiatives.
* Associates Degree in related Curriculum and minimum 3 years banking, sales/marketing, retail, sales associate preferred or equivalent combination of education and experience.
* Minimum 1 year leadership preferred or equivalent combination of education and experience.
* Must comply with all requirements of the SAFE Act required.
* Obtain a Unique Identifier from the NMLS required.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click
Investment Consultant
Remote or Springfield, IL job
*INVESTMENT CONSULTANT - Remote based in TX* WHAT IS THE OPPORTUNITY? Expand and deepen the network of Independent Financial Advisors, CPA's & attorneys referring clients to Royal Bank of Canada (RBC) Rochdale and to communicate and meet high net worth investors who have expressed an interest in RBC Rochdale investment services. Develops "partnering" relationships with Independent Financial Advisor, accounting firms, and estate planning firms with the objective of providing the highest level of investment management services to their clients. Performance in the role is based on the acquisition of new assets under management.
WHAT WILL YOU DO?
* Develop and implement programs designed to increase the quality and quantity of Independent Financial Advisors, accounting and law firms referring clients to RBC Rochdale.
* Ensure that Independent Financial Advisors are kept abreast of firm and industry developments.
* Ensure that the transition from the sales process to portfolio management is smooth and accurate.
* Facilitate the new accounts and account transfer process.
* Handle Independent Financial Advisor and client communication.
* Prepare client presentations.
* Communicate regularly with centers of influence to ensure that products and services are meeting their needs, expectations and specifications.
* Facilitate and conduct individual meetings and presentations in assigned territory.
* Generate new assets to the firm using a highly professional consultative sales approach.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree
* Minimum 5 years of financial experience preferably in Investment Management
* 2 years of experience in the High Net Worth or Ultra High Net Market markets
* 2 + years delivering formal client presentations
* FINRA Series 7 and 63 or 66 licenses
* Ability to travel 40-50% of the time
*Additional Qualifications*
* CFA - Chartered Financial Analyst (or in process of becoming CFA Charterholder)
* Highly competitive and goal-oriented
* A focus on sales and new business development
* Masters Degree preferred
* Working knowledge of portfolio management, including knowledge of investment techniques and asset allocation, investment research, capital market behaviors, and financial instruments generally acquired through years of investment and /or HNW related experience.
* Experience in the High Net Worth or Ultra High Net Market markets
* Working knowledge of financial planning, investment and/or HNW economic issues (aka "continual learner") and the ability to apply principal techniques of portfolio management, along with excellent communication skills to effectively interface with clients and investment colleagues.
* Prior success in the HNW or UHNW market
* Excellent communication skills
* Self-motivated and self-disciplined
* Strategic thinker, able to assess and recommend a course of action
* Highest level of both personal and professional demeanor and ethical behavior
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $101,231 - $172,355 per year. 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.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
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Retail Teller
Heartland Bank & Trust Co job in Farmer City, IL
Text "2423" to ************** to apply. Wage Range: Min: $16.00, Mid: $17.99, Max: $19.99 The Retail Teller is a frontline representative and the face of Heartland Bank and Trust within the communities we serve. The Retail Teller is an essential, service-oriented part of the retail team and is responsible for efficient and accurate processing of customer transactions. Provides excellent customer experiences while building and developing relationships.
What you will do
* Facilitate an excellent customer experience, engaging customers by name, in a friendly and professional manner.
* Build and foster customer relationships by proactively identifying their needs and offering appropriate solutions.
* Knowledge of and ability to provide products and services available through the retail banking branch.
* Complete transactions accurately and efficiently, including cash handling.
* Comply with all policies and procedures to minimize the risk of fraud.
Other Qualifications/Requirements
* Participate in various retail and bank projects as necessary.
* H.S. Diploma or GED preferred or equivalent combination of education and experience.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Banks mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click
Relationship Banker
Heartland Bank and Trust Company job in Champaign, IL
Text "2421" to ************** to apply.
Wage Range: Min: $17.95, Mid: $20.90, Max: $23.84
The Relationship Banker is a frontline representative and the face of Heartland Bank within the communities we serve. Responsible for welcoming our customers, providing excellent customer experiences, and building relationships. The Relationship Banker is a multi-functional, service-oriented individual that is ready to meet our customers' needs. Proactively promotes all Heartland Bank products and services. Offers financial solutions to fit customers' needs in a confident manner.
What you will do
Create an excellent customer experience and engage customers by name.
Provide customer support needed to reinforce the value of current and new technology.
Engage current and prospective customers in relationship building conversations to identify needs and offer appropriate solutions to grow customer relationships.
Maintain a working knowledge of products, services, and processes.
Open and service customer accounts, including customer outreach and follow up.
Follow policies and procedures to minimize the risk of fraud.
Other Qualifications/Requirements
Participate in various retail and bank projects as necessary.
May assist with Retail Teller duties as needed.
H.S. Diploma or GED preferred or equivalent combination of education and experience.
Who We Are
Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.
Heartland Bank s mission is to create value for the customer, earn a profit for the Bank, and have fun doing it! At Heartland, employees have the opportunity to make a difference every day.
What We Offer
At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click here to learn more about what benefits we have to offer.
Physical Demands
Regularly: Standing, Feeling/Touching, Talking, Hearing, Vision - close peripheral, depth
Frequently: Sitting, Walking, Grasping/Reaching - with arms and hands, Repetitive Motions
Occasionally: Climbing and/or Balancing, Stooping, Kneeling, Crouching, and/or Crawling, Lifting (30 lbs.)
Equal Opportunities and Accommodations Statement
Heartland Bank is deeply committed to creating a workplace where inclusion is not only valued but prioritized. We re proud to be an equal opportunity employer, seeking to create a welcoming and diverse environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity or expression, family status, marital status, sexual orientation, national origin, genetics, disability, age, or any other non-merit based or legally protected grounds.
Salary Disclaimer
The salary range represents the range of possible compensation at the time of posting. Heartland Bank considers several factors when extending an offer, including but not limited to, the role and associated responsibilities, a candidate s work experience, education/training, key skills, and internal equity.
The salary range minimum, midpoint, and maximum listed above represent a full range of career compensation growth over time in this position and pay grade. Starting pay typically starts between minimum and midpoint upon hire. The Bank offers compensation growth opportunities within its career architecture.