Orange Bank & Trust jobs

The primary focus will be to support multiple lenders with management of their portfolios and other department related assigned functions. This will include site visits, collection of all required financial information, the preparation of short-term extensions, modifications and underwriting for new requests. Essential Duties and Job Responsibilities: * Review/approve all financial information request letters prior to mailing to customer to ensure request is accurate and timely. * Manage financial information collection process. * Manage site inspection process. * Review/manage pending loan maturities 90 days prior to maturity date to ensure there are no administrative past dues and to eliminate last-minute extensions. * Correspond with loan officer and customer to take inventory on financials and determine whether all information for expiring loans is collected. Then follow everything under bullet #4. * Collect/review all required financial data prior to submission to Credit, pre-closing and post-closing. * Spread all business returns, financial statements, personal tax returns, personal financial statements and rent rolls. * Run all Lexis Nexis and Experian credit reports. UCC Searches. OFAC & DNBI. * Complete all HMDA forms. * Lender portion of loan presentations. * File all documents, create new files all housed in Abrigo and remove staging docs * Assist in managing Credit file documents to ensure all appropriate information is updated and maintained, such as credit memos, financials, correspondence, etc.., and all outdated information is removed. * Identify/address credit weaknesses/deficiencies, including non-compliance with financial covenants and bring to attention of loan officer & credit * Interfacing with loan review, regulators and/or auditor as required, including follow up on cited loans when requested * Handle special projects as assigned. * Assist Team Leader, Commercial Loan Officers as needed with client interaction, etc. * Prepare adverse action letters for customers. * Assist/mentor new portfolio management trainees as needed. * Customer calls with assigned loan officers. * Review of loan documents prepared in-house or by bank counsel to verify compliance with original credit approval. * Cross train on other department functions to be able to provide support if needed. * Perform all duties and projects as assigned by management. EDUCATION, CERTIFICATION, EXPERIENCE: Education Required: Bachelor's Degree required in Accounting, Finance, Business, or Economics. Preferred: MBA or equivalent a plus. Experience Required: Three (3) to five (5) years of experience working as a Commercial Loan Portfolio Manager Preferred: 5 Years' Banking Experience preferre KNOWLEDGE, SKILLS, ABILITIES: Role-Based Competencies: * Must be a self-starter with initiative. * Exceptional customer service ability. * Excellent verbal and written communication skills. * Excellent problem-solving and analytical ability. * Represent bank in professional and friendly manner. * Must have strong interpersonal skills. * Must be proficient in Microsoft Office software and be able to quickly master the Bank's operating system. Leadership- This position requires someone with strong communication and leadership skills. Need the ability to maintain a positive demeanor, handle difficult situations and have an open mind. Needs to be able to handle change and pressure. Needs to coach, cross train and motivate employees. Needs the ability to assist customers and employees in a professional manner. Confidentiality - This position requires a high level of confidentiality. This position has access to customers' financial information and personal information, employee records, and security and closing procedures. Communication- This position has a high level of contact with the public and departments. This position also interacts with a large number of internal and external contacts. Must be able to communicate effectively with vendors as needed. Multitasking/Sound Judgment- Needs the ability to multitask, quick and accurate decisions and be organized. Decisions need to be made in the best interest of the bank while mitigating any risk or loss. Must be able to handle various processes at the same time, i.e.: taking customer calls while processing daily work or working on projects. Computer Skills/Technology- This position requires a high volume of computer usage, including core systems, vendor sites, new product testing, etc. Should be familiar with copier/scanner/shredder equipment. WORK ENVIRONMENT: * Flexibility to work additional hours including nights, weekends and holidays, as required. * Typically, the noise level in the work environment is low to moderate. * Will have high volume of interactions in person and over the telephone. * Fast-paced environment. * May experience occasional job stress in response to job demands. * There are no significant hazardous conditions. PHYSICAL DEMANDS: * Frequently required to sit for prolonged periods of time. * Frequently required to talk and hear. * Normal range of vision and hearing abilities required. * Mobility required greeting and assisting employees and visitors. * Frequently required to skillfully operate a computer, telephone and other standard office equipment. * Occasionally travel outside of work location to attend meetings and training programs. * Occasionally lift and/or move up to 20 pounds. Special Note: External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances. Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job. This job description in no way states or implies that these are the only duties to be performed by an employee. Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee's knowledge, skill and ability as well as his/her mental and physical abilities.

LNB has a Part-Time opening for a Custodian in our Newark Branch. The hours for this position occur after normal business hours. This position will be responsible for performing a variety of duties relating to the cleanliness and maintenance of the Bank's buildings, grounds, and equipment. Duties include but are not limited to sweeping, mopping, and vacuuming floors; cleaning restrooms and trash removal. Skills needed for this position include basic reading, writing, and math skills; ability to bend, stoop, sit, stand, reach, and lift objects weighing up to 50 pounds, visual and auditory skills; valid driver's license. Qualified candidates will possess a high school diploma or equivalent. Candidates must be able to successfully pass a background check, including criminal history. The pay range for this position is $17.00 to $20.00 per hour, depending on experience and qualifications. (Range may be adjusted for applicants with significant experience.) The Lyons National Bank is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply.

Human Resources Specialist The Lyons National Bank, a growth-oriented community bank located in the Finger Lakes Region of Central New York, is currently seeking an extremely self-motivated and responsible professional to fill the position of Human Resources Specialist, working out of Geneva, NY. If you are passionate about fostering a positive workplace culture and have a knack for problem-solving, we'd love to hear from you! In this role, you will play a key part in assisting with the management of a number of HR operations, ensuring compliance with policies and labor law knowledge and supporting employees throughout their journey with our organization including onboarding. Additional responsibilities will include the assistance of payroll processing, monthly reconciliations and federal, state and internal reporting requirements. The successful candidate will possess exceptional interpersonal relations and communication skills, strong organizational and multitasking abilities, and a comprehensive knowledge of operating systems/software. The ability to handle sensitive information with confidentiality and professionalism are a must as well as having a high level of attention to detail. Experience with ADP Workforce Now is preferred. Qualified candidates will possess an Associates degree or equivalent along with a minimum of two (2) years related experience. The pay range for this position is $22.00 to $30.80 per hour, depending on experience and qualifications. (Range may be adjusted for applicants with significant experience.) The Lyons National Bank is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply.

in our Wolcott Branch If you are a Confident individual who exemplifies an Enthusiastic Personality with a Passion to provide Superior Customer Service, why not consider joining our team at LNB. LNB is a growth oriented community bank who is committed to building strong customer relationships in providing quality products and exceptional service. This position will be responsible for performing a variety of duties to support the paying and receiving function of the branch office; such as accepting deposits for several account types, cashing checks within approved authority and operating policy, selling various cashier checks, money orders, and certified checks. Other responsibilities include coordinating work within the department, providing guidance and on-the-job training to Senior Tellers and Tellers; assisting the immediate supervisor with administrative tasks to support department operations. Qualified candidates will possess a high school diploma or equivalent along with a minimum of three years related experience. The pay range for this position is $19.00 to $26.60 per hour, depending on experience and qualifications. (Range may be adjusted for applicants with significant experience.) The Lyons National Bank is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply.

The Trust Coordinator is responsible for administrative support for Account Managers/Trust Officers, maintaining all account files for compliance and audit and a variety of administrative and clerical support duties. Essential Functions • Follow established and defined policies and procedures requiring sound reasoning, judgment and initiative • Coordinate account documentation, including establishing, maintaining, and closing accounts on the trust accounting system • Coordinate documentation and communication with Trust Operations • Verify and/or process transactions, as directed • Initiate specific transactions , as directed • Identify/resolve daily account/administrative issues • Assist with special projects, seminars, and special events • Ensure total document and data integrity • Organize and file correspondence and documentation • Manage personal workload/workflow • Originate and type correspondence/documentation • Answer the telephone • Identify and resolve customer/operational issues • Assist customers, as needed • Partner with Trust personnel and operational staff • Generate customer documents and agreements, as directed • Input new account system information • Monitor overdrafts and excess cash balances in Trust Accounts • Monitor the timely processing of transfers when opening/closing accounts • Process distributions requests and bill payments for clients, as directed • Check previous days operational transactions • Monitor receipt of new account assets and money • Monitor receipt of closing account assets and money • Update current client system information to operations • Deposit/post all transactions • Provide assistance/training to other personnel • Contribute to various committees (as requested) • Perform Committee Secretary duties (as assigned) • Monitor and reconcile daily balance sheets, including those that come from outside record keepers • Coordinate and monitor all incoming rollovers into designated plan • Provide administrative support for all Account Managers/Trust Officers • Assist with audits and special projects as needed • Recommend improvements to procedures • Provide appropriate customer service levels • Minimizing departmental non-payroll costs • Maximize technology tools available • Ensure accuracy of financial data • Communicate problems or areas requiring attention to manager Additional Essential Functions • Ensure compliance with Northwest's policies and procedures, and Federal/State regulations • Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency • Work as part of a team • Work with on-site equipment QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Preferred Education High School Diploma or equivalent Preferred Work Experience 3 - 5 years customer service experience and Trust experience General Employee Knowledge, Skills, and Abilities • Ability to establish effective working relationships among team members and participate in solving problems and making decisions • Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written • Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information • Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information • Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas Additional Knowledge, Skills and Abilities Ability to work with PC's, word processing and spreadsheets Skill in telephone etiquette Clerical aptitude The pay range for this position is generally $21.60 - $24.50 per hour. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available. Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

The C & I Commercial Relationship Manager is responsible for serving as a trusted business advisor to customers with revenues ranging from 10mm - 100mm. The Relationship Manager will provide a full breadth of banking solutions to meet their financial objectives and needs while also establishing a network of referral sources and Centers of Influence with regular calling efforts to generate new business opportunities. The C & I Commercial Relationship Manager is also responsible for managing a portfolio of relationships, ensuring an exceptional client experience, while appropriately managing risk, credit quality, servicing, etc. in accordance with Northwest standards and in partnership with a portfolio management team. Essential Functions * Prospect actively and successfully bring in new relationships to Northwest * Develop and expand existing commercial banking relationships * Engage with the various product partners on a regular basis to discuss cross selling opportunities and referrals to expand and deepen client relationships * Achieve and exceed budget goals as assigned individually and by region * Actively participate in community and professional networking events * Develop meaningful "Centers of Influence" relationships * Establish and maintain an ongoing prospect list, and a set calling and meeting schedule for prospects, existing clients, and COIs * Encourage existing clients to provide ongoing referrals for all types of products and services, and clients and their employees to maintain their personal banking at Northwest * Manage a commercial loan portfolio of both credit and noncredit clients * Make loan presentations and recommendations to Credit, team leaders, and senior line of business managers as required * Partner with credit and portfolio management to ensure annual reviews and line of credit renewals are completed on a timely basis * Ensure noncredit clients have appropriate treasury management and other related commercial services, and risk ratings are appropriate * As required, collect on delinquent accounts * Analyze financial statements and related credit material to stay apprised of client performance and assess risk on a continuous basis in conjunction with Portfolio Management * Complete loan closings in partnership with Portfolio Management * Ensure all credit files include current financial statements, agency reports, etc. in partnership with Portfolio Management, compliance with Northwest policies and procedures, and with Federal and State regulations * Participate in continued sales, product and credit training * Ensure compliance with Northwest's policies and procedures, and Federal/State regulations * Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency * Work as part of a team * Work with on-site equipment Education + Work Experience * Bachelor's degree in Business, Accounting, Finance, Economics, or Marketing * 5-6 years of account relationship management experience * Experience consistently delivering strong sales performance * Comprehensive knowledge and understanding of C & I lending, loan servicing, and credit and non-credit products. * Strong negotiating skills in terms loan structure and pricing. * Knowledge and understanding of risk management. * This individual will be responsible for covering the broader WNY region and can be based anywhere from Buffalo, NY to Syracuse, NY.* The base pay range for this position is generally $140,000 - $180,000 + eligibility for our competitive incentive plan. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. #LI-EK1 Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

The Business Banker is responsible for performing intermediate duties and support related to branch operational activities and financial services; handles all teller transactional activity, processes all new account transactions; assisting customers in their selection of various accounts and financial services; cross-selling the Bank's products and services; opening, maintaining and closing of all account types; performing branch clerical duties; promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The position of Business Banker also is required to be fully knowledgeable and skilled in the areas of new account desk, teller, and safe deposit. Essential Duties and Job Responsibilities: * Provides support to all assigned areas of branch operations where service or assistance is needed, including platform area, teller line, and safe deposit. * Perform regular daily, weekly and monthly customer service duties. * Maintain a cash drawer to process client transactions. * Handle large sums of cash accurately and efficiently. Maintain Cash Limits. Perform all phases of teller work. * To achieve and maintain customer satisfaction through excellence in service delivery, follow up and problem resolution. * Assist consumer and business customers in their selection of various accounts, products and financial services available from the Bank; ensures cross-sell opportunities are presented by applying professional sales techniques. * Interviews customers to obtain information; establishes proper identification of new customers; determines need and extent of reference investigation. * Assist management with business phone calls and client outreach as necessary to achieve budget goals. * Prepare for audits. * Alternate opening and closing branch with management. * Maintains a working knowledge of the complete line of products and services offered. Takes responsibility to keep up to date and request assistance for further development needs. * Assisting with any training or mentoring of the business banking staff as required. * Travel to all branches, as required, within the assigned area. Travel to locations outside of your area may be required from time to time. (Orange County, Rockland County, Westchester County, Bronx) * Perform all other duties assigned by management. EDUCATION, CERTIFICATION, EXPERIENCE: Education: Required: High School Diploma or GED Preferred: Associate degree Experience: Required: Cash Handling Experience and 1 Year Customer Service Experience Preferred: 2 Years Banking Experience and 1 Year Sales Experience. KNOWLEDGE, SKILLS, ABILITIES: * Required: Needs the ability to maintain a positive and professional attitude at all times. Accurately count currency, friendly and outgoing personality, good customer service skills. Good decision making skills. Must be able to make quick informed decisions and seek assistance when needed. Must be a team player and work well with co-workers and management. Must have the ability to work with minimal supervision. This position has a high level of confidentiality. This position has access to customer's financial information, accounts, security procedures and closing procedures. High levels of internal & external contact with the public and departments * Preferred: This position also requires organization, the ability to work at a fast pace and perform multi-tasks, the knowledge of the bank policies and procedures for the teller line & customer service, and good judgment skills. An ability to handle change, stress and the pressures of daily activity when multi-tasking and working at a fast pace. WORK ENVIRONMENT: Position is performed in a branch setting with some external business conduct. Equipment Operations: Network System, Computer (various software programs), adding machine, office equipment.

Job Description Deposit Operations Help Desk Specialist The Lyons National Bank has a Full Time opening for a Deposit Operations Help Desk Specialist at our Operations Center, Geneva NY. This available call center position will be responsible for performing a variety of duties to support the customer service function of the bank. This individual will be a critical player working closely with other departments within in the bank to resolve customer issues. The ideal candidate will possess interpersonal relations and communication skills at a level to provide customers with service that exceeds their expectation during each and every encounter. This position requires a high school diploma or equivalent, with an emphasis in business curriculum, and preferably one year related experience. The pay range for this position is $19.00 to $26.60 per hour, depending on experience and qualifications. (Range may be adjusted for applicants with significant experience.) The Lyons National Bank is an equal opportunity employer and does not discriminate on the basis of any legally protected status or characteristic. Protected veterans and individuals with disabilities are encouraged to apply.

The Senior Contact Center Specialist is responsible for providing quality and efficient customer service to clients, utilizing multiple customer databases, and providing technical assistance as required. This position works to achieve monthly call quality performance while educating clients on products and services. This position assists with answering questions for prospect and existing clients, helping with client retention efforts, and support of Contact Center Specialists with questions through our normal escalation process within the Contact Center. This position is eligible for a shift differential. Essential Functions * Meet productivity standards and complete work in a timely manner * Ensure compliance with scheduling requirements and attendance standards * Maintain client and Northwest confidentiality * Meet service level standards * Achieve Contact Center performance standards * Written correspondence proficiency, accurately and professional responding to customer inquiries * Perform office administration tasks * Serve as a Contact Center mentor to new hires * Serve as subject matter expert and answers peer inquires and client escalations * Back up Contact Center Supervisors as needed * Identify and resolve customer problems in an efficient manner * Gather and analyze information skillfully and develop alternative solutions * Manage difficult or emotional client situations * Respond promptly to client needs * Respond to requests and meet commitments * Speak clearly and persuasively in positive or negative situations * Educate clients and possess extensive knowledge of technical support of products and services * Approach others in a tactful manner and react well under pressure * Demonstrate accuracy and thoroughness * Look for ways to improve and promote quality * Demonstrate excellent listening and interpretative skills * Demonstrate ability to establish collaborative customer relationships in a fast paced environment * Aim to resolve customer inquiries utilizing a First Call Resolution approach * Appropriate use of established call processes and procedures and scripts * Ability to troubleshoot online access issues * Answer customer chat, email and secure message requests in an efficient manner * Make all outbound calls for different calling campaigns as delivered and instructed in an efficient manner * Document results as instructed * Utilize cross selling efforts of products and services with clients * Provide solutions to clients based on their needs * Ensure compliance with Northwest's policies and procedures, and Federal/State regulations * Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency * Work as part of a team * Work with on-site equipment * Complete other duties and special projects as requested by management QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education High School Diploma or equivalent preferred Associate's Degree preferred Work Experience Less than 2 years Banking/financial and contact center experience preferred Good technical experience preferred General Employee Knowledge, Skills, and Abilities * Ability to establish effective working relationships among team members and participate in solving problems and making decisions * Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written * Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information * Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information * Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas Additional Knowledge, Skills and Abilities Ability to adapt to a quick changing environment Knowledge of Northwest products and services Knowledge of computer, mobile app and bill pay systems Knowledge and proficiency of debit and credit card systems Knowledge of Northwest's automated system Technological understanding of computers and online systems The pay range for this position is generally $18.50 to $21.00 per hour. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available. All applicants will be screened; however, only those most closely matching the qualifications of the job posting will be contacted. You can check the status of your application by logging back into your account. We appreciate your interest in our position! #LI-EB1 Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

The Client Relationship Portfolio Analyst is responsible for gathering, researching, and analyzing both external and company-provided data to identify potential business opportunities. This role works closely with and supports the Relationship Managers in driving deposit growth and advancing the bank's strategic vertical initiatives by providing research, analysis, back office and client support. Additionally, this position serves as a key support contact for new clients, assisting with onboarding, account opening, and ongoing service needs to ensure a seamless client experience. Strong analytical, communication, and customer service skills are essential for success in this role. Essential Duties and Job Responsibilities: Gather, organize, and analyze data to identify potential leads and business opportunities. Develop reports and actionable insights to support the Relationship Manager's business development efforts. Assist in onboarding new clients, including preforming business banker / teller functions; such as, opening accounts and ensuring all documentation is accurate and compliant with bank policies. Provide timely and accurate lead information to the Relationship Manager's to facilitate outreach and client acquisition. Support the bank's strategic vertical initiatives by analyzing reports, evaluating opportunities, and assisting with client needs to strengthen and expand relationships. Maintain a database of leads and track progress to ensure follow-up and accountability. Serve as a point of contact for new clients during the onboarding process, addressing questions and concerns promptly. Provide ongoing support to clients by servicing accounts and resolving inquiries. Work collaboratively with other bank departments to ensure a positive client experience. Communicate effectively with team members and other departments to streamline processes and support bank goals. Provide regular updates to the Relationship Manager and leadership on progress and outcomes. Assist in developing and implementing strategies to attract and retain clients in the construction, manufacturing, and trade sectors. Participate in sales meetings and marketing campaigns. Perform all duties and projects as assigned by management. Knowledge, Skills, Abilities: Strong ability to gather, interpret and analyze data to identify trends and opportunities. Moderate to advanced Microsoft Excel skills. High attention to detail, ensuring data integrity and compliance with policies and procedures. Exceptional customer service skills. Excellent verbal and written communication skills. Ability to research and interpret data in order to make informed decisions. Willingness to be hands on and learn new technologies. Self-motivated. Education, Certifications, Experience: Education Required: Bachelor's degree in Business Administration, Finance, Data Analytics or equivalent required. Experience Experience in data analysis, lead generation or sales support preferred. Two (2+) years of banking preferred. Ability to adapt to changes and learn new technologies quickly. Computer Skills/Technology - Must have strong Excel skills. Previous Salesforce experience a plus. Confidentiality - This position requires a high level of confidentiality. This position has access to customers' financial information and personal information. Communication - This position will have contact with the public and departments. Must be able to communicate effectively and have strong oral and written communication skills. Multitasking/Sound Judgment - Needs the ability to multitask, quick and accurate decisions and be organized. Decisions need to be made in the best interest of the bank while mitigating any risk to loss. Must be able to handle various processes at the same time and be able to work, under tight deadlines. Work Environment: Flexibility to work additional hours including nights, weekends and holidays, as required. Will have high volume of interactions in person and over the telephone. Fast-paced environment. May experience occasional job stress in response to job demands. There are no significant hazardous conditions. Physical Demands: Frequently required to sit for prolonged periods of time. Normal range of vision, speech and hearing abilities required. Mobility required greeting and assisting employees and visitors. Frequently required to skillfully operate a computer, telephone and other standard office equipment. Travel between all locations of the bank. Occasionally travel outside of work location to attend meetings and training programs. Occasionally lift and/or move up to 50 pounds. Special Note: External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances. Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job.

The Corporate Governance Assistant provides administrative and organizational support to the governance team, ensuring that board and committee operations run efficiently and in compliance with legal and regulatory standards. The role is focused on the accurate and timely preparation and filing of corporate documents and filings, including but not limited to, the Securities and Exchange Commission (“SEC”), Federal Deposit Insurance Corporation (“FDIC”), Federal Reserve Board (“FRB”), New York Department of Financial Services (NYDFS), and other regulatory agencies, as determined. The position requires organization, confidentiality, and basic/growing knowledge in corporate law, compliance, and executive/board-level coordination. Essential Duties and Job Responsibilities: Assist the CGO and the CFO, as needed, in the following areas: Board & Committee Support Schedule and coordinate board, committee, and management committee meetings Prepare agendas, distribute meeting materials, and take minutes Ensure draft minutes are prepared timely for CGO and CFO review prior to publication Maintain accurate records of decisions and actions Governance Documentation Assist in drafting and updating governance policies and procedures, as requested Maintain and update corporate records, bylaws, charters, and compliance documents Track regulatory filings and deadlines Stockholder Liaison Assist in the facilitation and communication between board members, senior management, and shareholders Ensure SEC filings for company officers are filed timely and appropriately Manage stockholder information for timely distribution of reports and manage transfer agent activity Support reporting and analysis for additional departments, including Investor Relations, Accounting, Department Leaders, and other internal groups. Work with Transfer Agent and Accounting Department for accurate recordkeeping and proper disclosures Communicate with regulators, or stock exchange, as needed Respond to governance-related inquiries and requests Compliance & Reporting Support internal audits and compliance reviews, as requested Help prepare governance reports for senior leadership and regulatory bodies Update Corporate Governance policies and develop knowledge base to ensure compliance with CG requirements, including SEC Other responsibilities As directed by the CGO or CFO, coordinate various management or board related activities Any other duties as determined by management EXPERIENCE, CERTIFICATION, EXPERIENCE: Preferred: 1-3 years of experience in corporate governance, legal support, or executive support Understanding of corporate structure and governance principles with strong desire for continued development Familiarity with regulatory framework (SEC, SOX, ESG) is a plus Ability to manage multiple priorities and tight deadlines Professional demeanor and proactive mindset Excellent written and verbal communication skills High attention to details and confidentiality Some experience working with senior management and/or board is a plus KNOWLEDGE, SKILLS, ABILITIES: High energy level and strong work ethic to meet the demands of a fast paced, goal driven environment; results orientation, which includes meeting commitments, performance metrics, and targeted and required deadlines. Self-motivated with the ability to work without supervision. Ability to work under time constraints and manage multiple resources, priorities and projects. Demonstrated proficiency in computer applications, such as Microsoft Office software products, with an emphasis on spreadsheet, word processing and database software Preferred Qualifications: WORK ENVIRONMENT: Working Conditions: Office setting Equipment Operations: General office equipment PHYSICAL DEMANDS: Must be able to lift a minimum of 20 pounds. Special Note: External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances. Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job. This job description in no way states or implies that these are the only duties to be performed by an employee. Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee's knowledge, skill and ability as well as his/her mental and physical abilities.

General processing and providing service to clients in a professional and courteous manner. Position includes direct contact with clients on a daily basis; assisting with inquiries on various bank products and services. This position is responsible for overseeing the daily processing in the operations area, reporting directly to the Manager of Deposit Operations and Cash Management Support. This position includes heavy call volume and processing in deposit operations. Essential Duties and Job Responsibilities: DAILY PROCESSING Process daily exceptions including overdrafts and returns. This includes reporting delinquent accounts as necessary and following up with account officers to collect aging overdrafts. Process debit card and credit card requests- including all claims. Reconcile Deposit Operations GLs daily. Review watch status report and take appropriate action. Process charge backs and returned deposited items. Process Deposit Escrow transactions Review and process wire transactions Answer all phone calls that come into the bank's main switchboard. Route calls appropriately or respond to client needs. MONTHLY AND QUARTERLY PROCESSING Process various reports, monthly and quarterly. This includes the GL quarterly reporting. IOLA funds remittance Quarterly reporting to VISA. Account Analysis Processing-entry and maintenance as required OTHER RESPONSIBILITIES 1. Private Banking requests- meet or exceed established one hour SLA 2. Process Restraints, Levies and Subpoenas as required- contact the bank's Attorney as needed 3. Coordinate all debits and replies to the US Treasury for reclamations. 4. Cross train on other department functions to be able to provide support if needed. 5. Perform all duties and projects as assigned by management. EDUCATION, CERTIFICATION, EXPERIENCE: Education Required : High School Diploma or GED Preferred: College Degree/attending College Experience R equired : 3-8 years similar or related experience Preferred: 8+ years similar or related experience KNOWLEDGE, SKILLS, ABILITIES: Confidentiality - This position requires a high level of confidentiality. This position has access to customer's financial information and personal information. Communication- This position has a high level of contact with the public and departments. Must be able to communicate effectively. Multitasking/Sound Judgment- Needs the ability to multitask, quick and accurate decisions and be organized. Decisions need to be made in the best interest of the bank while mitigating any risk to loss. Must be able to handle various processes at the same time. Computer Skills/Technology- This position requires a high volume of computer usage, including core systems, vendor sites, etc. Should be familiar with copier/scanner/shredder equipment. WORK ENVIRONMENT: Flexibility to work additional hours if needed. Typically the noise level in the work environment is low to moderate. Will have high volume of interactions in person and over the telephone. Fast-paced environment. May experience occasional job stress in response to job demands. There are no significant hazardous conditions. PHYSICAL DEMANDS : Frequently required to sit for prolonged periods of time. Normal range of vision, speech and hearing abilities required. Mobility required greeting and assisting employees and visitors. Frequently required to skillfully operate a computer, telephone and other standard office equipment. Travel between all locations of the bank. Occasionally travel outside of work location to attend meetings and training programs. Occasionally lift and/or move up to 20 pounds. Special Note: External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances. Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job. This job description in no way states or implies that these are the only duties to be performed by an employee. Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee's knowledge, skill and ability as well as his/her mental and physical abilities.

This position will assist the Chief Financial Officer ("CFO") with strategic financial leadership, managing daily operations, overseeing budgeting, forecasting, financial analysis, and financial reporting. Additionally, the role will ensure regulatory compliance and SEC reporting as well as senior level oversight of the internal control testing program. The role involves supporting the CFO in developing and implementing financial strategies, policies, and procedures, acting as the CFO's direct support and representing the CFO within internal meetings, as needed Essential Duties and Job Responsibilities: Assisting the CFO, the role will have direct management and oversight of the company's SEC reporting, financial planning and analysis, internal control, and daily accounting teams. Specific job responsibilities include, and are not limited to, the following: * Oversee daily financial operations, including budgeting, forecasting, and cost management, ensuring they align with organizational goals. * Manage and support direct reports, providing leadership and support for the finance and accounting teams. * Manage the preparation and filing of SEC (and other regulatory) required financial statements and reports, providing accurate and timely data to reporting. * Identify and manage financial risks, ensuring the organization meets regulatory and compliance requirements * Manage the Company's expense control process with regular reporting and research on accounting issues and initiatives, as needed, and report to the CFO or the Board * Oversee the company's budgeting, long-range financial planning, and the analysis of potential investments and financial performance (or ad hoc reporting, as needed). * Supervise the company's internal control program for financial reporting, including managing staff, to ensure timely and complete internal and external audits, ensuring accuracy and compliance with financial regulations and practices as well as effectively operating control environment. * Serve as a key point of contact for matters determined by the CFO and communicate with other departments, stakeholders, and potentially external agencies * Complete any additional initiatives as needed in support of the CFO EXPERIENCE, CERTIFICATION, EXPERIENCE: Preferred: * Bachelor's degree Required. Masters preferred. * Minimum of 7-10 years of Management experience required. * 7-10 years of experience in public company reporting, corporate governance, internal control reviews, and regulatory reporting required. 10 - 15 years preferred. * CPA or similar work experience preferred. * Understanding of accounting principles and research associated with new topics * Familiarity with regulatory framework (SEC, SOX, ESG) is a plus * Ability to manage multiple priorities and tight deadlines * Professional demeanor and proactive mindset * Excellent written and verbal communication skills * High attention to details and confidentiality * Some experience working with senior management and/or board is a plus KNOWLEDGE, SKILLS, ABILITIES: * Strong understanding of financial accounting principles, financial planning, analysis, and reporting * Proven ability to manage finance teams, develop staff, and drive operational efficiency * Knowledge of financial regulations, especially SEC, and banking compliance requirements. * Strong verbal and written communication skills to effectively present financial information to various groups and departments * Excellent analytical and problem-solving skills for interpreting financial data and providing insight on data trends WORK ENVIRONMENT: * Working Conditions: Office setting * Equipment Operations: General office equipment PHYSICAL DEMANDS: * Must be able to lift a minimum of 20 pounds Special Note: External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances. Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job. This job description in no way states or implies that these are the only duties to be performed by an employee. Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee's knowledge, skill and ability as well as his/her mental and physical abilities.

The Senior IT Auditor performs specialized auditing tasks related to the bank's IT function. This includes thorough and efficient planning, testing, reporting, and follow up on audit results. The role is primarily engaged with audits of IT general controls and infrastructure, but could involve elements of cybersecurity, data governance, payments, business resiliency, project governance etc. This position is guided by general instruction and a limited amount of supervision, and the candidate demonstrates a fair level of autonomy and ability to exercise independent judgement. Essential Functions: * Ensure compliance with Northwest's policies and procedures, and Federal/State regulations * Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency * Work as part of a team * Work with on-site equipment * Work collaboratively with audit teams to execute IT and integrated audits * Conduct planning activities to identify significant risks, determine audit scope, and develop appropriate risk-based audit procedures * Be familiar with Northwest documentation/processes/procedures, and research/interpret relevance of specific regulations/current literature to audit work * Interview key personnel to assess business processes and the strength of their control environments * Collect and analyze necessary data for audits, evaluate information, and draw logical conclusions * Prepare clear, detailed audit documentation evidencing the results of actual testing procedures in accordance with departmental standards and the Institute of Internal Auditors (IIA) * Identify meaningful value-added recommendations for management to improve the adequacy, effectiveness, and efficiency of controls and related processes * Summarize and present audit results/findings to business unit management and audit management * Lead meetings involving various levels of management to effectively communicate audit status, align on significant audit issues, and recommended corrective actions * Prepare audit reports, including clearly written, concise audit observations that effectively communicate identified issues and their related corrective actions to stakeholders * Evaluate adequacy of the corrective action taken to improve deficient conditions * Meet departmental continuing education requirements Qualifications: * Bachelor's Degree in Computer Science, Information Systems, IT or Business-Related preferred * CISA, CISSP, CIA or other related certification preferred * 3 - 5 years IT audit, compliance, information security, risk, or governance-related experience required * 3 - 5 years Financial services/banking-related experience preferred * Technical knowledge of IT governance and compliance frameworks (e.g., COBIT, NIST, FFIEC CAT, FFIEC IT Handbook) * Proven analytical skills and ability to interpret data and statistics, * Knowledge of bank technology systems/data analysis tools/audit management software The pay range for this position is generally $85,000-$95,000 per year. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available. #LI-MM1 Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

Title: Cash Management Specialist Department: Deposit Operations FLSA Status: Non-Exempt Reports to: Manager of Deposit Operations and Cash Management Support General processing and providing service to clients in a professional and courteous manner. Position includes direct contact with clients on a daily basis; assisting with inquiries and support on all Cash Management products and services, including but not limited to Remote Deposit Capture, Internet Banking, Treasury, ACH Origination, Wire Transfers, Positive Pay and Lock Box. The Cash Management Specialist position includes all areas of support and operational duties related to Cash Management products. This position will also require occasionally going to a client's place of business as support to Cash Management Sales or for installs/demos of Cash Management products. Essential Duties and Job Responsibilities: Ensure client satisfaction by responding promptly to clients and staff in a positive manner, while escalating any client or internal issues to management as soon as possible. Review and process all paperwork required for all Cash Management products and services. Process all Treasury Applications-including obtaining proper approvals and set ups. This includes tracking and overall responsibility for annual reviews of ACH Originators. Remote Deposit Capture-Process all applications, assist with implementations at client's site when needed, responsible for tracking annual site visits and reviews. Positive Pay- Process all applications, daily work, ensure exceptions are processed, contact clients as needed, provide support Internet Banking- Provide client support via phone, email or through secured messaging through on line banking, handle enrollments and monitoring, review suspected fraudulent transactions and conduct client calls backs as needed, process mobile banking limit increases Lock Box- Assist the Cash Management Officer with set up and provide ongoing support Provide overall support for clients using any of the bank's products or services Provide internal support to staff as needed Be involved in any new product introduction, including testing and roll out of the product or upgrade. Cross train on other Deposit Operations functions to be able to provide support if needed. OTHER RESPONSIBILITIES Other responsibilities as required by management. EDUCATION, CERTIFICATION, EXPERIENCE: Education: Required: High School Diploma or GED Preferred: College Degree/Attending College Experience: Required: 1 Year Banking Experience Preferred: 2 or more years Banking Experience KNOWLEDGE, SKILLS, ABILITIES: Confidentiality - This position requires a high level of confidentiality. This position has access to customer's financial information and personal information. Leadership- This position requires someone with communication and leadership skills. Need the ability to maintain a positive demeanor, handle difficult situations and have an open mind. Needs to be able to handle change and pressure. Needs to coach, cross train and motivate employees. Needs the ability to assist customers and employees in a professional manner. Communication- This position has a high level of contact with the public and departments. Must be able to communicate effectively. Multitasking/Sound Judgment- Needs the ability to multitask, quick and accurate decisions and be organized. Decisions need to be made in the best interest of the bank while mitigating any risk to loss. Must be able to handle various processes at the same time. Computer Skills/Technology- This position requires a high volume of computer usage, including core systems, vendor sites, etc. Should be familiar with copier/scanner/shredder equipment. Professionalism- This position requires professionalism when providing support to clients and staff. This is a client facing position at times. WORK ENVIRONMENT: Flexibility to work additional hours including nights, weekends and holidays, as required. Typically the noise level in the work environment is low to moderate. Will have high volume of interactions in person and over the telephone. Fast-paced environment. May experience occasional job stress in response to job demands. There are no significant hazardous conditions. PHYSICAL DEMANDS : Frequently required to sit for prolonged periods of time. Normal range of vision, speech and hearing abilities required. Mobility required greeting and assisting employees and visitors. Frequently required to skillfully operate a computer, telephone and other standard office equipment. Travel between all locations of the bank and to clients as needed. Occasionally travel outside of work location to attend meetings, training programs and client visits. Occasionally lift and/or move up to 20 pounds. Special Note: External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances. Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job. This job description in no way states or implies that these are the only duties to be performed by an employee. Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee's knowledge, skill and ability as well as his/her mental and physical abilities.

Mortgage Specialist

The Contact Center Fraud Analyst is part of a dedicated team tasked with providing support to customers who are impacted by a fraud event. Within this role the analyst is responsible for investigating various fraud events that are escalated to the group from various business partners. Throughout their investigation they are tasked with accurately reporting and dispositioning, alerts and cases based on the type of fraud event. The fraud team is also responsible for monitoring fraud alerts through early detection, and other alert tools. During their investigation it is expected that the analyst substantiates investigative findings with statements and items of evidence, and referring fraudulent activity to federal, state and local law enforcement agencies for prosecution This individual may represent Northwest at trial. Essential Functions * Deliver best-in-class customer experience to both internal and external customers while achieving service levels, quality standards , and designated performance targets * Supporting various fraud related activities, including investigating and resolving reported external frauds, monitoring the fraud detection system, coordinating fraud alerts * Support fraud intake process ensuring that all operational steps are taken to further protect the customer and the institution from losses. Understand, and recognize fraud indicators on accounts, and take appropriate actions to reduce risk and loss exposer * Identify education opportunities and leverage industry resources, to stay current on fraud trends * Administer the fraud case management system, substantiating investigative findings with statements and items of evidence * Reporting findings to leadership * Referring fraudulent activity to federal, state and local law enforcement agencies for prosecution * Conduct interviews as needed depending on the investigation * Consult on issues of fraud, suspicious activity and security * Assist bank security as needed for related cases * Prepare and analyze department reports * Maintain strong levels of attention to detail while completing assigned tasks * Appropriately assess risk when business decisions are made, and escalate as needed * Ensure that customers issues are fully documented and that steps are followed on any additional actions that may be needed * Ensure compliance with Northwest's policies and procedures, and Federal/State regulations * Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency * Work as part of a team * Work with on-site equipment QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION Associate's Degree, Bachelor's Degree or equivalent preferred 2 - 3 years Bank or fraud related experience preferred 1 year Balancing fraud prevention with maintaining a positive customer transactional experience preferred 2 - 6 years Retail or branch banking experience preferred General Employee Knowledge, Skills, and Abilities * Ability to establish effective working relationships among team members and participate in solving problems and making decisions * Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written * Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information * Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information * Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas The pay range for this position is generally $20.00-24.00 per hour. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available. Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

Title: Business Banker Floater Department: Branch Operations FLSA Status: Non-Exempt Reports to: Branch Manager, Assistant Branch Manager, Business Banker Supervisor The Business Banker is responsible for performing intermediate duties and support related to branch operational activities and financial services; handles all teller transactional activity, processes all new account transactions; assisting customers in their selection of various accounts and financial services; cross-selling the Bank's products and services; opening, maintaining and closing of all account types; performing branch clerical duties; promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The position of Business Banker also is required to be fully knowledgeable and skilled in the areas of new account desk, teller, and safe deposit. The Business Banker Floater is responsible for floating to all of our locations as needed, primarily in Westchester and the Bronx, but occasionally Orange County as well. Essential Duties and Job Responsibilities: Provides support to all assigned areas of branch operations where service or assistance is needed, including platform area, teller line, and safe deposit. Perform regular daily, weekly and monthly customer service duties. Maintain a cash drawer to process client transactions. Handle large sums of cash accurately and efficiently. Maintain Cash Limits. Perform all phases of teller work. To achieve and maintain customer satisfaction through excellence in service delivery, follow up and problem resolution. Assist consumer and business customers in their selection of various accounts, products and financial services available from the Bank; ensures cross-sell opportunities are presented by applying professional sales techniques. Interviews customers to obtain information; establishes proper identification of new customers; determines need and extent of reference investigation. Assist management with business phone calls and client outreach as necessary to achieve budget goals. Prepare for audits. Alternate opening and closing branch with management. Maintains a working knowledge of the complete line of products and services offered. Takes responsibility to keep up to date and request assistance for further development needs. Assisting with any training or mentoring of the business banking staff as required. Travel to all branches, as required, within the assigned area. Travel to locations outside of your area may be required from time to time. (Orange County, Rockland County, Westchester County, Bronx) Perform all other duties assigned by management. EDUCATION, CERTIFICATION, EXPERIENCE: Education: Required: High School Diploma or GED Preferred: Associates Degree Experience: Required: Must have a minimum of 1 year experience working in a branch as a Teller / Universal Banker. Cash Handling Experience and 1 Year Customer Service Experience Preferred: 2 Years Banking Experience and 1 Year Sales Experience. KNOWLEDGE, SKILLS, ABILITIES: Required: Needs the ability to maintain a positive and professional attitude at all times. Accurately count currency, friendly and outgoing personality, good customer service skills. Good decision making skills. Must be able to make quick informed decisions and seek assistance when needed. Must be a team player and work well with co-workers and management. Must have the ability to work with minimal supervision. This position has a high level of confidentiality. This position has access to customer's financial information, accounts, security procedures and closing procedures. High levels of internal & external contact with the public and departments Preferred: This position also requires organization, the ability to work at a fast pace and perform multi-tasks, the knowledge of the bank policies and procedures for the teller line & customer service, and good judgment skills. An ability to handle change, stress and the pressures of daily activity when multi-tasking and working at a fast pace. WORK ENVIRONMENT: Position is performed in a branch setting with some external business conduct. Equipment Operations: Network System, Computer (various software programs), adding machine, office equipment. Special Note: External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances. Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job. This job description in no way states or implies that these are the only duties to be performed by an employee. Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee's knowledge, skill and ability as well as his/her mental and physical abilities.

Trust Officer is an experienced professional who is responsible for the management and administration and of an assigned book of accounts, with a focus on Special Needs Trusts. For fiduciary accounts, Officer must work with counsel and tax accountant(s) to coordinate administration, meet tax-reporting deadlines, and oversee all trust administrative functions. In all cases, the Trust Officer is the lead relationship officer and primary contact between Bank and interested parties/account-owners/co-fiduciaries. Develop new current and future appointments based on referrals from OBT & HVIA colleagues and COI network. Essential Duties and Job Responsibilities: Knowledgably manages a book of accounts and performs day-to-day administrative duties associated with their accounts under their watch. Demonstrate a high level of fiduciary knowledge through sound decisions and accurate administration. If applicable, oversee a Trust Administrator in performance of day-to-day administrative activities. Works actively and collaboratively with attorneys, accountants, beneficiaries and co-fiduciaries in the administration of Trusts/Estates abiding by the terms governing legal instruments and Court Orders to mitigate fiduciary risk. Reviews and discusses discretionary payment requests with Trust beneficiaries and Co-Fiduciaries in accordance with the terms and standards in the governing legal instruments. Provide evaluation and recommendation for the discretionary action and obtain the appropriate approval or non-approval of the same. Reviews all assigned accounts once per calendar year as per assigned Trust Administrative Committee (TAC) schedule and complete the review on the Fitek portal for presentation at the monthly TAC meeting. Cultivates and manages new business referrals received from Bank colleagues and area-professionals. Record activities in SalesForce. Regularly engages in new business activities as directed by Trust Services Director or Department Manager to meet annual business development and calling goals. Records activities in SalesForce. Proactively communicates and meets with existing clients on a regular basis to continuously evaluate their needs and deliver high quality service. Records all meetings and contacts of substance in SalesForce. Continues to build and grow their own Centers of Influence (COI) network. As a part of the Trust Division's new business development activities, serves as its representative in the market, including attendance at community events, seminars and professional networking events. Maintains awareness of products and services offered by the Trust Division, the Bank and HVIA. Makes presentations to Bank staff, clients and professional advisors, as required. Monitors real estate held in fiduciary accounts, verifying that taxes are paid, insurance is in place and minimizing risks associated with such assets. In responsible charge of engineering site inspections, coordinating appraisals, and “phase-one” engineering evaluations. Performs other duties as assigned. Remains current with fiduciary knowledge through attendance at seminars, schools and written publications Education, Certification and Experience Bachelor Degree or higher 5 to 10 years of experience as a Trust Officer or a practicing attorney preferred. Certified Trust Fiduciary Advisor (CTFA) is desired but not required. Bi-Lingual, Spanish speaking preferred. Knowledge, Skills, Abilities: Strong decision-making ability Ability to pay attention to details Strong working knowledge of investment management Ability to build relationships with clients and COIs Strong analytical skills Work Environment Professional office PHYSICAL DEMANDS: Frequently required to sit for prolonged periods. Normal range of vision, speech and hearing abilities required. Mobility required for greeting and assisting clients, prospective clients and COIs. Skillfully operate a computer, telephone and other standard office equipment. Travel to Bank, client, prospective client and COI locations. Occasionally lift and/or move up to 20 pounds Special Note: External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances. Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank. Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job. This job description in no way states or implies that these are the only duties to be performed by an employee. Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee's knowledge, skill and ability as well as his/her mental and physical abilities.