Somerset Trust jobs - 251 jobs

* Develop- As a Wealth Advisor with STC Wealth Management your goal is to build and grow a book of business through financial planning and Investment management. * Manage- Wealth Advisors are responsible for leading the client experience. This is accomplished by building a team around the client. This includes a portfolio manager, Trust officer, and various account administrators. * Maintain- Creating long term relationships with clients is a focus for this role. This is accomplished through continued review of our client's financial goals and updating the plan as objectives may change. STC Wealth Management offers advice and planning strategies focused on helping clients meet their investing and financial goals. This includes retirement planning, Trust and estate planning, as well as managing the overall risk of a client's investment, as well as their objectives. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Works with our team in creating personalized solutions on behalf of you and your clients. * Determines a client's goals and objectives. * Identifies sales opportunities through internal and external prospecting. * Develops and expands client relationships through business development and COI networking. * Offers planning and investment knowledge to solve client problems appropriately and efficiently. * Presents financial recommendations and guidance to clients. * Establishes individual financial plans based on client financial needs and objectives. * Monitors financial plans and recommends changes as needed. * Actively and regularly coaches and educates branch staff and internal business partners to identify investment opportunities. * Drives investment education and visibility among bank staff. * Partners with lenders and managers to develop opportunities for new business. * Has regular and effective communication with internal and external partners to build strong relationships that drive referral activity. * Understand and support all BSA/AML responsibilities as applicable to the position as well as consistently, accurately, and timely carry out these responsibilities in compliance with the Bank's internal policies. * Assumes additional duties/responsibilities as required. SUPERVISORY RESPONSIBILITIES: This job has no supervisory responsibilities. 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. 3+ years working in the financial services industry. CFP, CTFA, CPA, JD preferred but not required. EDUCATION and/or EXPERIENCE: Business degree (BS or BA); or twelve months related experience and/or training; or equivalent combination of education and experience. TECHNICAL SKILLS: Must be proficient in Microsoft Word and Excel. Must also have some knowledge of Microsoft Access. The ability to work with various browser-based systems and software systems is mandatory. Must be willing to learn new systems and not have any issues with emerging technology. LANGUAGE SKILLS: Must possess excellent communication skills and be able to clearly effectively communicate with both customers and bank personnel. Ability to read, analyze and interpret various documents such as industry journals, operating and maintenance instructions, and procedure manuals. Ability to compile reports and compose customer correspondence. MATHEMATICAL SKILLS: Ability to calculate figures and amounts such as discounts, interest, and percentages. REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Desire to understand and utilize systems to their utmost capabilities. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to operate office equipment such as keyboards, telephones, etc. and to talk and hear. The employee frequently is required to reach with hands and arms. The employee is occasionally required to stand; walk; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Opportunity Employer, including disability and protected veteran status.

Capital One Shopping is looking for a Director, Travel, to join the Partnerships Team. In this role, you will be responsible for cultivating relationships with our key travel partners, ensuring their success in leveraging Capital One Ads' solutions. This client-facing position requires an individual with a strong understanding of product, data, and strategic account management to develop and implement customized solutions for our top travel merchants. You will serve as the primary liaison between our clients and internal teams. **Key Responsibilities Include:** + Partner with key external stakeholders, including C-suite level contacts, to foster and expand Capital One Ads' presence within the travel sector. + Utilize data and analytical methodologies to optimize and grow your assigned portfolio of travel accounts. + Educate, support, and train agencies, industry partners, and other stakeholders on Capital One Shopping's offerings. + Collaborate with Product, Revenue Management, and other internal teams to drive business growth. + Manage a broad portfolio of enterprise travel relationships, demonstrating the ability to influence and build consensus across multiple teams. + Create and deliver executive-level presentations and materials. **An ideal candidate will possess:** + Strong strategic, analytical, and data-analysis skills. + Demonstrated experience in strategic client-facing interactions (in-person, phone, email). + Excellent written and verbal communication skills. + Experience in identifying, creating, and building strategies to achieve organizational objectives. + Prior experience taking full ownership of client relationships and partnering with internal stakeholders to create customized solutions for partners to drive results. + A strong commitment to team culture, collaboration, and open communication. **Basic Qualifications** **:** + Bachelor's Degree or Military experience + At least 12 years of experience in strategic client-facing sales or account management roles in the travel industry + At least 8 years of experience managing, selling, and developing relationships with merchants in the travel industry + At least 8 years of experience reviewing or analyzing data **Preferred Qualifications** **:** + MBA + 10+ years of affiliate, enterprise sales, or performance marketing experience + 8+ years of leading high functioning Sales teams + Robust existing relationships and a comprehensive understanding of the Travel ecosystem, including key stakeholders and partners + Experience managing technical integrations **At this time, Capital One will not sponsor a new applicant for employment authorization for this position.** The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Remote (Regardless of Location): $181,800 - $207,500 for Director, Capital One Ad Solutions Richmond, VA: $181,800 - $207,500 for Director, Capital One Ad Solutions Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website (******************************************* . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City's Fair Chance Act; Philadelphia's Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at ************** or via email at RecruitingAccommodation@capitalone.com . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to ********************** Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

The Investment Assistant/Program Coordinator provides administrative, operational, and client service support to the bank's investment and brokerage department. This position plays a key role in ensuring a smooth client experience by coordinating daily activities between financial advisors, clients, and back-office operations. While this is a non-licensed position, it requires strong financial awareness, attention to detail, and a high level of professionalism. Key Responsibilities Client Service & Relationship Support * Serve as the primary point of contact for clients regarding scheduling, paperwork status, and general inquiries (not investment advice). * Prepare and process client paperwork for new accounts, transfers, and service requests. * Assist in gathering and organizing client documentation and signatures for account maintenance. * Follow up with clients to ensure timely completion of required forms or disclosures. * Support Financial Advisors in delivering a high-quality client experience. Operational & Administrative Support * Coordinate daily office operations, including maintaining client files (electronic and paper) in compliance with firm and regulatory standards. * Input and track account information in ClientWorks and other internal systems. * Assist with data entry for account activity, transfers, and reports. * Manage calendars, schedule client meetings, and prepare meeting materials. * Handle correspondence, scanning, filing, and other administrative duties. Compliance & Recordkeeping * Ensure all documentation is complete, accurate, and compliant with firm policies and FINRA/SEC requirements. * Monitor pending applications, transfers, and service requests to ensure timely follow-through. * Maintain awareness of privacy, data security, and internal audit standards. * Understand and support all BSA/AML responsibilities as applicable to the position as well as consistently, accurately, and timely carry out these responsibilities in compliance with the Bank's internal policies. Program Coordination * Assist with marketing and client outreach initiatives, such as event coordination, email campaigns, and mailing lists. * Support reporting for management, including pipeline, referral, and revenue tracking. * Collaborate with bank staff to facilitate internal referrals and enhance communication between departments. * Help onboard new advisors or staff as needed by providing procedural training and resource coordination. Qualifications * Education: High school diploma or equivalent required. * Experience: 1-3 years of experience in banking, brokerage operations, or administrative support. * Licenses: None required; however, familiarity with investment products and FINRA regulations is preferred. * Skills: Strong organizational and time-management abilities; excellent communication; attention to detail; proficiency with Microsoft Office and CRM systems; confidentiality; teamwork. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to operate office equipment such as keyboards, telephones, etc. and to talk and hear. The employee frequently is required to reach with hands and arms. The employee is occasionally required to stand; walk; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Opportunity Employer, including disability and protected veteran status.

The Senior Credit Officer (SCO) is generally responsible for supporting our "Statement of Credit Risk Appetite" and Loan Policy and Procedures. The Senior Credit Officer supports the maintenance and review of lending policies and procedures consistent with guidelines established by FCB. Provide credit support services to all commercial business lines, including C&I, Sponsor Finance, Dealer Floor Plan, SBA and Commercial Real Estate, as well as credit support to Consumer, Indirect, Business Solutions, Credit Cards, Mortgage, Treasury Management and Equipment Finance loans and leases. Essential Job Responsibilities____________________________________ 1. Assists with the administration of the adjudication and loan portfolio management for each business line to ensure a proper mix of loan types, maximize yield, maintain quality control, and minimize losses. 2. Informs the Chief Credit Officer and Deputy Chief Credit Officer, of any material considerations affecting the loan portfolio, loan policy, and individual loan transactions. 3. Advises and guides lending officers and corporate leadership. Assists Chief Credit Officer, Deputy Chief Credit Officer, and Senior Credit Officers in assessing the overall soundness of the loan portfolio, advising on policy questions, business development and staff requirements as they relate to the lending function. a. Supports a Region as assigned. b. Supports loan officers on more complex and larger loans across footprint c. Consults with and supports loan officers seeking to meet the needs of larger, more critical borrowers. d. Assists in the training of loan officers, disseminates loan policies and procedures, and ensures that deviations from policy are corrected. e. Works to ensure loan services are provided to loan officers, including credit analysis, evaluation of financial statements, credit investigations, and collection of past due loans. 4. Works with the Chief Credit Officer, Deputy Chief Credit Officer, and Senior Credit Officers to set strategy for problem loan accounts, monitors progress on workout plans and reaches resolution. 5. Recommends actions to be taken on loans to assign regulatory classification, set loss reserves and determine accrual status. 6. Ensures Watch List properly captures all problem credits. Works with Finance staff to ensure provision expenses and credit costs are recognized in the appropriate accounting periods. 7. Personally handles large, complex problem accounts as directed by the Chief Credit Officer, Deputy Chief Credit Officer, or Special Assets Manager. 8. Works with the Credit Analysis Department to assess risk and prepare materials used in the approval and review of credit exposure. Works with Credit Analysis Department to assign Risk Ratings on all existing and prospective customers. Interviews and hires potential credit analysts. 9. Works with the Secured Credit Department on all aspects of collateral administration, including valuing collateral, ordering and reviewing appraisals, trending advances on collateral against borrowing base limitations, conducting collateral audits, performing lien searches, administering advances on construction loans, tracking recover rates by collateral type and quantifying loss given default. 10. Supports the direction of the risk rating and the review of underwriting, documentation and administration of loan portfolios of the affiliates. Monitors Risk Rating migration. 11. Performs management related administrative tasks pertaining to the loan review schedule and planning. 12. Reviews, drafts and recommends policies and procedures for lending and credit administration. Ascertains the extent to which policies and procedures are properly followed; takes appropriate action to correct improper activities with respect to internal procedure, external regulation, etc. by performing the following: a. Follows trends in the market place which relate to credit services financing; maintains a current awareness of market conditions, competitive rates and product designs, b. Recommends adjustments in product lines in terms of product designs, rate, etc. c. Maintains an accurate awareness of the credit quality of the portfolio and the inherent credit risk. d. Continually reviews journals, articles, publications, and other material to review regulatory and legal changes pertinent to the credit/lending operation and to ensure that department policies and procedures comply with all applicable laws and regulations. e. Works as a member of the credit services team to identify and correct problems relating to the lending function - customer service, internal operations credit control procedures, etc. 13. Produces reports and materials for the Board of Directors as directed by the Chief Credit Officer or Deputy Chief Credit Officer. 14. As directed by the Chief Credit Officer, or Deputy Chief Credit Officer, provides critical inputs needed for the preparation of the Allowance for Credit Losses (ACL). 15. Has extensive understanding of accounting terminology, financial analysis techniques and standards, and the process related to financial reporting. Maintains knowledge and skill sets. 16. Coordinates specific work tasks with other personnel within the unit or department as well as with other units and departments in order to insure the smooth and efficient flow of information. 17. Maintains a wide range understanding of bank terminology, process, and products. 18. Understands SOX, and other significant control related regulations. Understands and recognizes the inherent business risks facing the banking industry and the related controls. Has an extensive understanding of risk assessment concepts. Understands basic General and Application Controls. 19. Assists auditors and management in the development of process for maintaining business walk-throughs and highlighting the associated risks and controls. Understands and recommends control concepts to manager as they relate to business processes and risks. 20. Has familiarity with regulatory guidelines for key processes. Interfaces as needed and assists in representing the bank with regulatory authorities and external auditors. 21. Assures on an ongoing basis the timely completion full and interim credit risk assessments. Continually monitors the loan underwriting and approval processes. 22. Responds to loan review, internal reports, Committees and Regulators. 23. Assists in the preparation of the budget for Credit Administration annually and monitors year-to-date performance with respect to the budget monthly. 24. Performs the quarterly risk assessment to determine the level of credit risk. 25. Performs due diligence in relation to bank mergers and acquisitions. Bona Fide Occupational Qualifications_____________________________ 1. Bachelor's degree or related equivalent experience. A master's degree, preferred. 2. Minimum of fifteen (15) years related experience and previous commercial and/or consumer credit department management in a production environment. 3. Thorough knowledge of current lending regulation, proficient interpersonal relation skills, working knowledge of bank operating policies and procedures and demonstrated leadership skills. 4. A valid driver's license and the ability to travel within our footprint.

Protect the bank's assets by ensuring the integrity of all collateral and loan files. Process daily paid loan files for consumer and commercial loans as assigned. Prepare payoff quotes and payoff letter requests. Perform payoff processing for incoming 3rd party payoff remittance checks, wires, rejected and/or un-posted payoff transactions that require special handling to post correctly to the system. Provide phone support concerning problems and questions related to loan processing. High School Diploma or equivalent required. High School Diploma or equivalent required. Minimum of two (2) years related work experience preferred. 1. Process 3rd party payoffs that come into the department via checks, wires, electronic payments, etc. utilizing the SilverLake loan system. 2. Provide payoff quotes both verbal and written as requested by internal parties as well as external clients and third parties using SilverLake system and fee schedule. 3. Assess prepayment penalty fees, early termination fees, lien release fees, and other fees associated with the payoff of loans. 4. Coordinates necessary internal documents needed for the process of wire transfers and checks to pay off all loan types, process refunds and refund letters to clients. 5. Process release of collateral as approved by loan modification requests. 6. Process release of collateral for paid off loans in a timely manner, including but not limited to: life insurance, stocks, real estate, UCCs and vehicles. 7. Maintain/update a log of service events and email requests assigned to group. 8. Process maintenance related service events and email requests, including but not limited to: payment reversals, backdated payoffs, payoff quotes, and waivers. 9. Maintain various daily, weekly and monthly reports to update customer records concerning: (i) collateral, (ii) insurance, (iii) refinances and (iv) unposted items. a. Work the Unposted Report daily as provided by Payment Processing in order to rectify items that were not posted correctly to the loans on the previous day by external parties. i. Research to the extent necessary to verify loan account information. ii. Report corrective actions taken. b. Work the Refinance Report daily as provided in order to research any collateral tracking for loans in which payoffs were processed by a branch. i. Loans reflective of a status indicative of being refinanced with FCB to be updated to a closed status. ii. Coordinates with Account Officer or Financial Solutions Center to ensure accuracy of payoff amount and rectifies errors. c. Work HELOC Close and Satisfy Report daily to review expiring Home Equity Lines of Credit. i. Updates account statuses as appropriate. ii. Coordinates the processing of notifications to clients as applicable. d. Work the Zero Balance with Escrow Report daily to research any remaining escrow balances on loans that have a zero principal balance. i. Clear/refund escrow as research indicates applicable. 10. Collect dealership title releases in order to release titles to dealerships within one business day. 11. Prepare paid loan files for scanning. 12. Prepare Paid in Full Letters and refunds for clients. 13. Research dated or converted mortgages to determine if mortgage(s) should be satisfied. 14. Report MERS Mortgage payoff information to Supervisor. 15. Perform maintenance to cancel Private Mortgage Insurance when applicable. 16. Communicate with clients, Financial Solutions Centers, Engagement Center, and third parties to ensure the risk management of each client relationship is in compliance with policy and procedure, as well as commercial and regulatory guidelines. 17. Prepare Lien Release Letters for clients as well as dealerships. 18. Provide exceptional customer service through written and verbal communications with customers and branch operations. 19. Assist in various projects, including but not limited to: mergers, additional assignments from outside of department, forbearances, bank system release and upgrade testing. Expectations ______________________________________________ 1. Adheres to the Organizations' Core Values of Customer-Focused, Integrity, Excellence, Accountability and Inclusion. 2. Complies with regulations and laws relating to the function of the position. Abides by current organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace. Cooperates with, participates in, and supports the company's compliance with all regulatory requirements, e.g. Bank Secrecy Act (BSA), Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc. 3. Responds to inquiries relating to his/her particular area, or to the requests from customers, other bank personnel, etc., within given time frames and within established policy. 4. Conducts all business affairs, both personally and as a representative of the organization according to the high ethical and professional standards established by FCFC and the banking affiliate Board of Directors, and according to the approved Conflict of Interest/Business Ethics Policy. 5. Responsible for adherence to all internal policies, procedures, and practices in support of risk management, anti-money laundering and terrorism financing detection, information security and overall safety and soundness. 6. Assumes responsibility for assisting in his/her professional development; adheres to the guidelines and targets established within his/her Personal Scorecard. 7. Coordinates specific work tasks with other personnel within the unit or department as well as with other units and departments in order to insure the smooth and efficient flow of information. 8. Complies with established budgets and operates within budgetary constraints. 9. Other job-related duties as assigned or directed. Bona Fide Occupational Qualifications___________________________ 1. High School Diploma or equivalent required. Minimum of two (2) years related work experience preferred. 2. Excellent verbal and written communication skills, exceptional relationship-building skills, strong analytical and mathematical skills, and a motivation to learn and contribute to continuous improvements are required. 3. Proficiency in MS Word and Excel is required. 4. Ability to work closely with team members to ensure daily work is completed. 5. Ability to access filing cabinets and transport bulky files.

Velocity Black, a Capital One company, harnesses the power of technology, the warmth of human experts and the convenience of the latest interfaces to help high-performance people actualize the full potential of their lives. From access to the hottest restaurants to guaranteed upgrades at the world's finest resorts, our concierge team is available 24/7/365 via our proprietary app to support our customers and fulfill their requests. It's concierge, reimagined for the digital age. What unites us are the values we share: the relentless pursuit and celebration of excellence, actualizing the full potential of our lives, and impacting the world in a positive way. Capital One provides a fast paced, dynamic environment where you can excel in your career. At Capital One, diversity, inclusion & belonging are valued at our core, sparking and enabling us to do good for our associates, customers and communities. Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We nurture an environment that attracts and develops talent from all backgrounds and experiences, and empower our associates to do great work by creating a culture of belonging that values diverse perspectives, fosters collaboration and encourages innovative ideas - and are routinely recognized as one of the best companies to work for. **What You'll do:** + You will be responsible for the delivery of our promise to our members in San Francisco - 'localizing the core DNA of Velocity Black'. + Leveraging the global reach, resources and brand of Velocity Black with granular local expertise and up to the minute knowledge of the best San Francisco has to offer in order to develop the local member community. + Growing the community of high performance, HNW members in San Francisco + Managing the P&L for your city, ensuring it is utilized with the highest ROI with regard to maximizing the relevant KPIs. + Owning the Content & Engagement strategy for your city's member cohort. + Overseeing the conceiving of and execution of regular member events at inspired locations in your city. + You will work closely with our Membership, CRM, and Operations teams to ensure frictionless integration of city-level and corporate-level operations. + You will be responsible for the upholding of our Velocity culture throughout your teams - focused around high performance and exceeding customer expectations. + Our cultural pillars of Adaptability, Initiative, Yes First, Resilience and Ownership should be conspicuous in everything your team does. + You will need to be extremely organized, and able to move seamlessly from assisting a team member with a challenging customer situation, to assessing priorities and progress from strategic altitude. **Basic Qualifications:** ** ** + High School Diploma, GED, or Equivalent Certification + At least 5 years experience in the hospitality industry in San Francisco, CA **Preferred Qualifications:** + Strong relationship building skills, customer focus and ability to collaborate + Strong interest and knowledge of the hospitality market and industry + Ability to work quickly and efficiently under pressure **At this time, Capital One will not sponsor a new applicant for employment authorization for this position.** The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Remote (Regardless of Location): $115,200 - $131,500 for Manager, Concierge Specialist Richmond, VA: $115,200 - $131,500 for Manager, Concierge Specialist Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website (******************************************* . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City's Fair Chance Act; Philadelphia's Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at ************** or via email at RecruitingAccommodation@capitalone.com . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to ********************** Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Part-time hours can range from an average of 15 - 25 hours per week depending on the needs of the branch. SUMMARY - Employee that will accurately & efficiently perform in a professional environment and is the "face of Somerset Trust Company" to our retail branch customers by providing personable, quick service performing a set of regular procedures, as well as a variety of customer requests & transactions, including, but not limited to: check cashing and deposits, loan payments, product explanation and being able to identify opportunities to refer customers as needed. Employee will clearly & respectfully communicate with customers and have ability to resolve customer issues as they arise. QUALIFICATIONS - To perform this job successfully, an individual must be able to perform each essential duty with consistent accuracy. 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. Other duties may be assigned. * Greets customers with a smile. * Receives checks and cash for deposit, verifies amount, and examines checks for endorsements. * Cashes checks and pays out money after verification of signatures and customer balances. * Enters customers' transactions into computer to record transactions, and issues computer generated receipts. * Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen. * Recognizes opportunities to explain, promote, or sell financial products or services offered by the bank. * Removes deposits from, and counts and balances cash in, and night depository. * Accepts loan payments. * Resolves customers' issues as they arise. * Understands and supports all BSA/AML responsibilities as applicable to the position as well as consistently, accurately, and timely carry out these responsibilities in compliance with the Bank's internal policies. SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities. EDUCATION and/or EXPERIENCE High school diploma or general education degree (GED); or three to six months related experience and/or training; or equivalent combination of education and experience. LANGUAGE SKILLS - Ability to read and interpret documents such as procedures, operating and maintenance instructions, and security procedures. Ability to communicate clearly and respectfully communicate with customers or coworkers. Ability to write routine reports and correspondence. MATHEMATICAL SKILLS - Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. REASONING ABILITY - Ability to apply common sense to perform assigned duties and understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. OTHER SKILLS - Displays an eagerness & ability to learn, efficiently use the technology provided, and is receptive to new ideas. PHYSICAL DEMANDS - The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to operate office equipment such as keyboards, telephones, etc. and to talk and hear. The employee frequently is required to walk and reach with hands and arms. The employee is occasionally required to stand. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close and peripheral vision, and ability to adjust focus. WORK ENVIRONMENT - The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Opportunity Employer, including disability and protected veteran status.

SUMMARY: This position is responsible for working closely with in-house lenders to request appraisals for commercial, consumer, and mortgage loans and to ensure that the appraisals are requested and received in a timely manner and according to all required regulations. Upon receipt of these appraisals, the In-House Appraiser will complete a review of the appraisal and complete a checklist to ensure the document meets all required standards. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following: Other duties may be assigned as necessary. * Order and review residential and commercial appraisals. Conduct follow-up with appraisers to insure timely turnaround. * Review residential and commercial appraisals in detail, completing applicable checklists, identifying areas of concern, and communicating with loan officers/originators. * Review Fannie Mae's UCDP results, research appraisals identified with high-risk ratings and maintain proficiency in using Fannie Mae's Collateral Underwriter software * Maintain the Bank's appraisal tracking programs, monitoring timing of appraisals and appraiser usage. * Provide property evaluations/assessments and comparable property values for consumer and commercial real estate secured loans. * Maintain knowledge of regulations affecting collateral for real estate secured loans. * Monitor and maintain evaluations and appraisals for non-performing loans and OREO properties. * Take photos of properties securing consumer, mortgage, and commercial loans, including delinquent and non-performing loans. * The ability to multitask and work under time constraints with accuracy is necessary. * Understand and support all BSA/AML responsibilities as applicable to the position as well as consistently, accurately, and timely carry out these responsibilities in compliance with the Bank's internal policies. * Various other duties as they arise within the department. SUPERVISORY RESPONSIBILITIES: None 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 and/or EXPERIENCE: Bachelor's degree from four-year college or university and two years related lending or real estate experience and/or training; or equivalent combination of education and experience. LANGUAGE SKILLS: Ability to read, analyze, and interpret financial reports and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to effectively present information to management, public groups, and/or board of directors. BUSINESS WRITING SKILLS: Ability to convert financial reports and statements in various forms into concise business terminology. MATHEMATICAL SKILLS: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, etc. REASONING ABILITY: Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee is required to stand; walk; use hands and fingers to operate office equipment; reach with hands and arms; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Opportunity Employer, including disability and protected veteran status.

This position is responsible for overseeing all activities and processes within the Collections Department while adhering to all Bank, legal and regulatory compliance standards. This role includes directly supervising the Collections Department staff, communicating with customers, and collaborating with management and other departments within the Bank as well as coordinating collection efforts with third parties, such as attorneys, real estate agents, etc. ESSENTIAL DUTIES AND RESPONSIBILITIES * Develop, review, revise and implement any practices and/or procedures necessary to increase the effectiveness and efficiencies of the department. * Participate in any and all meetings as required. * Assist in any special projects and administrative duties, as assigned. * Prepare, present, and review any and all reports affecting collection activities. * Monitor and recognize trends of the performance of various types of loans. * Oversee the completion and submission of month end/quarterly reports to committees as assigned. * Prepares the agenda, exhibits, presentations, and scribing the minutes of committees as assigned. * Oversee compliance of all internal policies, procedures and practices as they relate to the Collections Department. * Maintain current knowledge of state and federal laws and regulations, along with internal policies governing collections. * Communicate with customers to resolve issues and negotiate resolutions and agreements that are acceptable to both the bank and the customer. * Assist the Fraud Department to investigate potential fraud losses/claims and to assist with the recovery of such funds. * Understand and train the Collections Department team on collection processes such as foreclosure, repossession and credit reporting. * Compile information necessary to make informed decisions on proceeding with collection efforts, and when to pause or stay collection efforts involving uncollectible debts. * Understand and support all BSA/AML responsibilities as applicable to the position as well as consistently, accurately, and timely carry out these responsibilities in compliance with the Bank's internal policies. * Performs other related duties as assigned. SUPERVISORY RESPONSIBILITIES: * Supervise the Collections Department team, including planning, assigning, directing and reviewing work. * Lead recruitment efforts, training new staff, coaching existing staff and disciplining employees within the Collections Department. * Conduct performance reviews, as necessary. QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty with accuracy and precision. 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 and/or EXPERIENCE: * Bachelor's degree (B. A.) from four-year college or university; or two years related experience and/or training; or equivalent combination of education and experience. * A minimum of two (2) years of banking/collecting experience. * Working knowledge of Microsoft Office Products. * Familiarity with laws and regulations affecting the banking industry and collections. * Familiarity with bankruptcy laws, regulations and procedures. REQUIRED SKILLS/ABILITIES: * Ability to read and interpret documents such as bank contracts, bank policies and procedures. * Ability to effectively present information to management. * Ability to communicate with customers and de-escalate a problem credit. * Ability to build relationships with co-workers * Possess strong negotiation skills * Legal writing and interpretation skills * Skilled in drafting legal documents for review. * Possess effective email and written correspondence skills * Ability to define problems, collect data, and draw a valid conclusion. * Ability to problem solve PHYSICAL REQUIREMENTS: * Prolonger periods sitting at a desk and working on a computer. * Use of hands and fingers to operate office equipment, telephones, etc.; and talk or hear. * The employee is occasionally required to stand, walk, and reach with hands and arms. * The employee must occasionally lift and/or move up to 10 pounds. Work environment * The noise level in the work environment is usually moderate. Equal Opportunity Employer, including disability and protected veteran status.

Value Proposition Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview This is a full-time career opportunity that can be remote within the Fulton Bank footprint as follows: DC, DE, MD, NJ, PA, VA. The Specialist - Loan Policy Management is responsible for the development, implementation, maintenance, and oversight of the organization's loan policies and procedures. This role ensures that lending activities are conducted in a safe and sound manner, adhering to regulatory requirements and aligning with the organization's risk appetite and strategic objectives, and will collaborate with various stakeholders, including lending teams, compliance, legal, and senior leadership. Responsibilities Develop, implement, and regularly review loan policies and procedures covering all lending areas (e.g., consumer, commercial, real estate, etc.). Ensure policies are comprehensive, clearly written, and address all relevant risk factors. Maintain an up-to-date policy manual. Stay abreast of current and evolving lending regulations (e.g., Reg B, Reg Z, HMDA, etc.) and incorporate necessary changes into loan policies and procedures to ensure compliance. Collaborate with the Compliance department on regulatory exams and audits. Conduct periodic risk assessments of the loan portfolio and identify potential areas of weakness. Develop and implement strategies to mitigate identified risks through policy adjustments and process improvements. Develop and deliver training programs to lending staff on loan policies, procedures, and regulatory requirements. Communicate policy changes and updates effectively to all relevant stakeholders. Establish and maintain a loan review process to assess loan quality and adherence to policies. Monitor key loan portfolio metrics and identify trends that may indicate emerging risks. Report findings to senior leadership. Work closely with lending teams, credit administration, legal, and compliance to ensure alignment on lending practices and risk management strategies. Participate in loan committees and other relevant meetings. Research and stay informed about industry best practices in loan policy and risk management. Recommend and implement changes to policies and procedures to incorporate best practices. Prepare regular reports on loan portfolio performance, policy compliance, and risk trends for senior leadership and the board of directors. Participate in special projects related to lending, risk management, and strategic initiatives. Qualifications Education Bachelor's Degree or the equivalent experience. Specialty: finance, business administration, economics, or a related field. (Required) Experience 7 or more years banking and/or finance regulatory and risk management experience. (Required) 5 or more years commercial and retail loan experience. (Required) 1 or more years of presentation experience. (Required) 5 or more years Commercial and retail lending experience. (Preferred) 2 or more years compliance and/or audit experience. (Preferred) Other Duties as Assigned by Manager This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Pay Transparency To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location. The salary range for this position is $88,500.00 - $147,600.00 annually. Additional Compensation Components This job is eligible to receive equity in the form of restricted stock units. This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance. Benefits Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank. EEO Statement Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status. Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.

Responsible for various duties in the LIFT including, but not limited to the following functions: Loan document follow up, Perfection of Collateral, including mortgages, titles & UCCs. Tracking collateral insurance policies & renewals. Renewing liens of vehicles and continuing liens on UCCs. Pay hazard & flood insurance escrow. Essential Job Responsibilities__________________________________ 1. Manages and pays escrow for Hazard and Flood Insurance. Researches as necessary for new policies, change in premium amount(s), cancellations of policies, and any other changes/discrepancies. 2. Answers questions from Financial Solutions Centers, Engagement Center, clients, and third parties regarding hazard and flood insurance escrows. 3. Processes service events from Special Assets, the Engagement Center, clients, and Financial Solutions Centers requesting the printing of paper titles for repossession and other reasons, as applicable. 4. Verifies the accuracy of initial hazard insurance coverage for SBA, Fannie Mae, Freddie Mac and any loan with a commitment of $1 million or more. 5. Ensures that hazard insurance renewal policies are in effect for SBA, Fannie Mae, Freddie Mac, and any loan with a commitment of $1 million or more. 6. Works separate reports weekly to track hazard, contents and flood insurance (SBA), Fannie Mae, Freddie Mac, and any loan with a commitment of $1 million or more. 7. Ensures the accuracy of initial flood insurance and that it is renewed annually as applicable. 8. Sends applicable document to respective state's DMV to add our lien onto new vehicle titles. 9. Appropriately records and stores securities in negotiable collateral vault, including stocks, bonds, etc. Assists with audits, additions and removal of securities from the negotiable collateral vault. 10. Audits negotiable collateral vault annually. 11. Prepares loan parameter maintenance forms to add or edit escrow payee codes. 12. Scans, documents, and prepares filing envelope for new credit agreements. 13. Verifies the accuracy of loan-specific Title policies, Recorded Mortgages, UCC filings, Life Insurance & all securities. 14. Verifies the accuracy of vehicle titles as compared to the loan documents for differences in names or Vehicle Identification Numbers (VIN). 15. Sorts incoming insurance mail before sending for scanning. Identifies cancellations and ensure applicable updates to loans and escrow accounts. 16. Works Insurance Cancellation Report daily; force place insurance if necessary. Applies Insurance refunds from force placed policies to loan accounts. 17. Force places insurance, as required when coverage amount is inefficient on any loan. 18. Scans and verifies wet signed documents and imports them into Synergy 19. Clears exceptions added by the Upload Team when documents are received and scan the documents to Synergy. Receives, documents, and scans all loan recorded documents. 20. Renews vehicle liens monthly, as applicable. 21. Communicates with clients, Financial Solutions Centers, Engagement Center, and third parties to ensure the risk management of each client relationship is in compliance with policy and procedure, as well as commercial and regulatory guidelines. 22. Prepares & pays invoices and refunds for Southeastern Underwriters (force placed insurance), CSC Diligentz (UCCs), and Esquire Assist (UCCs). 23. Assesses fees to affected loans. 24. Works Matched Error Report on VINtek. 25. Works Unrecognized Report on VINtek to research and identify why titles are not matched to a loan. 26. Works reports that show missing documents that LIFT is responsible to obtain, including Property Reports, Recorded Mortgages, Assignment of Rents, UCCs, Vehicle Titles, etc. Bona Fide Occupational Qualifications___________________________ 1. High School Diploma or equivalent is required. A minimum of one (1) year experience related to the above duties preferred. 2. Moderate reading, writing, grammar, and mathematics skills; these skills normally associate with a high school diploma or equivalent. 3. Proficient analytical skills; proficient communicative and interpersonal relations skills.

Somerset Trust Company is proud to partner with college students to help them gain some professional experience through our Internship Program. Our program allows students to immerse themselves in the daily operations of our various departments by working through daily tasks and projects to achieve real-life work experience. Internship Program Details Participants are paid an hourly wage and typically work between 35-40 hours per week (consideration can be given if less hours are needed). * This is considered a part-time, seasonal position - typically lasting 6-12 weeks, depending on student availability and department needs. * Interns will work directly within a department or departments. * Program may qualify for college credits based on the college/university's guidelines. * Interns are required to attend at least one volunteer opportunity while in the program. The volunteer opportunity can be chosen by the intern or organized by the bank. * Interns may also be asked to participate in bank sponsored community events such as Customer Appreciation meals, bank events, etc. * Opportunities to shadow and learn in other departments will be available. (SWAP Week, etc.) * Acceptance into the Internship Program is not a promise for long-term employment and is considered a temporary position. * Interns are required to act professionally, ethically and follow workplace requirements in accordance with all of Somerset Trust Company's Policies, Code of Conduct and Employee Handbook. (Any violation of policy or performance issues may result in disciplinary action or termination of the internship.) Questions regarding the Internship program can be directed to ************************* Equal Opportunity Employer, including disability and protected veteran status.

The Senior Credit Officer (SCO) is generally responsible for supporting our "Statement of Credit Risk Appetite" and Loan Policy and Procedures. The Senior Credit Officer supports the maintenance and review of lending policies and procedures consistent with guidelines established by FCB. Provide credit support services to all commercial business lines, including C&I, Sponsor Finance, Dealer Floor Plan, SBA and Commercial Real Estate, as well as credit support to Consumer, Indirect, Business Solutions, Credit Cards, Mortgage, Treasury Management and Equipment Finance loans and leases. Essential Job Responsibilities____________________________________ 1. Assists with the administration of the adjudication and loan portfolio management for each business line to ensure a proper mix of loan types, maximize yield, maintain quality control, and minimize losses. 2. Informs the Chief Credit Officer and Deputy Chief Credit Officer, of any material considerations affecting the loan portfolio, loan policy, and individual loan transactions. 3. Advises and guides lending officers and corporate leadership. Assists Chief Credit Officer, Deputy Chief Credit Officer, and Senior Credit Officers in assessing the overall soundness of the loan portfolio, advising on policy questions, business development and staff requirements as they relate to the lending function. a. Supports a Region as assigned. b. Supports loan officers on more complex and larger loans across footprint c. Consults with and supports loan officers seeking to meet the needs of larger, more critical borrowers. d. Assists in the training of loan officers, disseminates loan policies and procedures, and ensures that deviations from policy are corrected. e. Works to ensure loan services are provided to loan officers, including credit analysis, evaluation of financial statements, credit investigations, and collection of past due loans. 4. Works with the Chief Credit Officer, Deputy Chief Credit Officer, and Senior Credit Officers to set strategy for problem loan accounts, monitors progress on workout plans and reaches resolution. 5. Recommends actions to be taken on loans to assign regulatory classification, set loss reserves and determine accrual status. 6. Ensures Watch List properly captures all problem credits. Works with Finance staff to ensure provision expenses and credit costs are recognized in the appropriate accounting periods. 7. Personally handles large, complex problem accounts as directed by the Chief Credit Officer, Deputy Chief Credit Officer, or Special Assets Manager. 8. Works with the Credit Analysis Department to assess risk and prepare materials used in the approval and review of credit exposure. Works with Credit Analysis Department to assign Risk Ratings on all existing and prospective customers. Interviews and hires potential credit analysts. 9. Works with the Secured Credit Department on all aspects of collateral administration, including valuing collateral, ordering and reviewing appraisals, trending advances on collateral against borrowing base limitations, conducting collateral audits, performing lien searches, administering advances on construction loans, tracking recover rates by collateral type and quantifying loss given default. 10. Supports the direction of the risk rating and the review of underwriting, documentation and administration of loan portfolios of the affiliates. Monitors Risk Rating migration. 11. Performs management related administrative tasks pertaining to the loan review schedule and planning. 12. Reviews, drafts and recommends policies and procedures for lending and credit administration. Ascertains the extent to which policies and procedures are properly followed; takes appropriate action to correct improper activities with respect to internal procedure, external regulation, etc. by performing the following: a. Follows trends in the market place which relate to credit services financing; maintains a current awareness of market conditions, competitive rates and product designs, b. Recommends adjustments in product lines in terms of product designs, rate, etc. c. Maintains an accurate awareness of the credit quality of the portfolio and the inherent credit risk. d. Continually reviews journals, articles, publications, and other material to review regulatory and legal changes pertinent to the credit/lending operation and to ensure that department policies and procedures comply with all applicable laws and regulations. e. Works as a member of the credit services team to identify and correct problems relating to the lending function - customer service, internal operations credit control procedures, etc. 13. Produces reports and materials for the Board of Directors as directed by the Chief Credit Officer or Deputy Chief Credit Officer. 14. As directed by the Chief Credit Officer, or Deputy Chief Credit Officer, provides critical inputs needed for the preparation of the Allowance for Credit Losses (ACL). 15. Has extensive understanding of accounting terminology, financial analysis techniques and standards, and the process related to financial reporting. Maintains knowledge and skill sets. 16. Coordinates specific work tasks with other personnel within the unit or department as well as with other units and departments in order to insure the smooth and efficient flow of information. 17. Maintains a wide range understanding of bank terminology, process, and products. 18. Understands SOX, and other significant control related regulations. Understands and recognizes the inherent business risks facing the banking industry and the related controls. Has an extensive understanding of risk assessment concepts. Understands basic General and Application Controls. 19. Assists auditors and management in the development of process for maintaining business walk-throughs and highlighting the associated risks and controls. Understands and recommends control concepts to manager as they relate to business processes and risks. 20. Has familiarity with regulatory guidelines for key processes. Interfaces as needed and assists in representing the bank with regulatory authorities and external auditors. 21. Assures on an ongoing basis the timely completion full and interim credit risk assessments. Continually monitors the loan underwriting and approval processes. 22. Responds to loan review, internal reports, Committees and Regulators. 23. Assists in the preparation of the budget for Credit Administration annually and monitors year-to-date performance with respect to the budget monthly. 24. Performs the quarterly risk assessment to determine the level of credit risk. 25. Performs due diligence in relation to bank mergers and acquisitions. Bona Fide Occupational Qualifications_____________________________ 1. Bachelor's degree or related equivalent experience. A master's degree, preferred. 2. Minimum of fifteen (15) years related experience and previous commercial and/or consumer credit department management in a production environment. 3. Thorough knowledge of current lending regulation, proficient interpersonal relation skills, working knowledge of bank operating policies and procedures and demonstrated leadership skills. 4. A valid driver's license and the ability to travel within our footprint.

* Develop- As a Wealth Advisor with STC Wealth Management your goal is to build and grow a book of business through financial planning and Investment management. * Manage- Wealth Advisors are responsible for leading the client experience. This is accomplished by building a team around the client. This includes a portfolio manager, Trust officer, and various account administrators. * Maintain- Creating long term relationships with clients is a focus for this role. This is accomplished through continued review of our client's financial goals and updating the plan as objectives may change. STC Wealth Management offers advice and planning strategies focused on helping clients meet their investing and financial goals. This includes retirement planning, Trust and estate planning, as well as managing the overall risk of a client's investment, as well as their objectives. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Works with our team in creating personalized solutions on behalf of you and your clients. * Determines a client's goals and objectives. * Identifies sales opportunities through internal and external prospecting. * Develops and expands client relationships through business development and COI networking. * Offers planning and investment knowledge to solve client problems appropriately and efficiently. * Presents financial recommendations and guidance to clients. * Establishes individual financial plans based on client financial needs and objectives. * Monitors financial plans and recommends changes as needed. * Actively and regularly coaches and educates branch staff and internal business partners to identify investment opportunities. * Drives investment education and visibility among bank staff. * Partners with lenders and managers to develop opportunities for new business. * Has regular and effective communication with internal and external partners to build strong relationships that drive referral activity. * Understand and support all BSA/AML responsibilities as applicable to the position as well as consistently, accurately, and timely carry out these responsibilities in compliance with the Bank's internal policies. * Assumes additional duties/responsibilities as required. SUPERVISORY RESPONSIBILITIES: This job has no supervisory responsibilities. 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. 3+ years working in the financial services industry. CFP, CTFA, CPA, JD preferred but not required. EDUCATION and/or EXPERIENCE: Business degree (BS or BA); or twelve months related experience and/or training; or equivalent combination of education and experience. TECHNICAL SKILLS: Must be proficient in Microsoft Word and Excel. Must also have some knowledge of Microsoft Access. The ability to work with various browser-based systems and software systems is mandatory. Must be willing to learn new systems and not have any issues with emerging technology. LANGUAGE SKILLS: Must possess excellent communication skills and be able to clearly effectively communicate with both customers and bank personnel. Ability to read, analyze and interpret various documents such as industry journals, operating and maintenance instructions, and procedure manuals. Ability to compile reports and compose customer correspondence. MATHEMATICAL SKILLS: Ability to calculate figures and amounts such as discounts, interest, and percentages. REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Desire to understand and utilize systems to their utmost capabilities. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to operate office equipment such as keyboards, telephones, etc. and to talk and hear. The employee frequently is required to reach with hands and arms. The employee is occasionally required to stand; walk; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Opportunity Employer, including disability and protected veteran status.

Apply through this teller position only if you do not see a current job opening in your specific location listed on our Jobs page. This link provides a way for you to supply us with your resume & interest for locations that do not currently have a position open, but may in the near future. Please complete the questionnaire through the application process to indicate your employment status & location preferences. Teller Position information: SUMMARY - This position is required to accurately & efficiently perform in a professional environment and is the "face of Somerset Trust Company" to our retail branch customers by providing personable, quick service performing a set of regular procedures, as well as a variety of customer requests & transactions, including, but not limited to: check cashing and deposits, loan payments, product explanation, and being able to identify opportunities to refer customers as needed. Employee will clearly & respectfully communicate with customers and have ability to resolve customer issues as they arise. QUALIFICATIONS - To perform this job successfully, an individual must be able to perform each essential duty with consistent accuracy. 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. Other duties may be assigned. * Greets customers with a smile. * Receives checks and cash for deposit, verifies amount, and examines checks for endorsements. * Cashes checks and pays out money after verification of signatures and customer balances. * Enters customers' transactions into computer to record transactions, and issues computer generated receipts. * Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen. * Recognizes opportunities to explain, promote, or sell financial products or services offered by the bank. * Removes deposits from, and counts and balances cash in, and night depository. * Accepts loan payments. * Resolves customers' issues as they arise. * Understands and supports all BSA/AML responsibilities as applicable to the position as well as consistently, accurately, and timely carry out these responsibilities in compliance with the Bank's internal policies. SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities. EDUCATION and/or EXPERIENCE High school diploma or general education degree (GED); or three to six months related experience and/or training; or equivalent combination of education and experience. LANGUAGE SKILLS - Ability to read and interpret documents such as procedures, operating and maintenance instructions, and security procedures. Ability to communicate clearly and respectfully communicate with customers or coworkers. Ability to write routine reports and correspondence. MATHEMATICAL SKILLS - Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. REASONING ABILITY - Ability to apply common sense to perform assigned duties and understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. OTHER SKILLS - Displays an eagerness & ability to learn, efficiently use the technology provided, and is receptive to new ideas. PHYSICAL DEMANDS - The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to operate office equipment such as keyboards, telephones, etc. and to talk and hear. The employee frequently is required to walk and reach with hands and arms. The employee is occasionally required to stand. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close and peripheral vision, and ability to adjust focus. WORK ENVIRONMENT - The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Opportunity Employer, including disability and protected veteran status.

Responsible for processing legal records requests, conducting research, and supporting legal documentation needs in compliance with policies and deadlines. * Respond to subpoenas, search warrants, and legal summons with accurate documentation. * Complete research requests and decedent reporting to the PA Department of Revenue. * Assist with writs of execution, garnishments, and IRS tax levies. * Communicate professionally with internal and external contacts. Requirements: * High school diploma or equivalent required. * 1+ year of related experience preferred. * Strong typing, reading, grammar, analytical, and communication skills. * Proficiency in Microsoft Word and Excel; general MS Office knowledge.

Candidate must reside in PA or OH to be considered. As a Senior Credit Officer with the Equipment Finance Group, you provide Credit Support Services for equipment finance business lines and assists in the on-going management of credit risk. You perform credit analysis on small to middle ticket credit applications, analyze financial statements and credit reports. Prepares formal credit memos and presents recommendations to the Credit Manager or Loan Committee for middle ticket transactions. Essential Job Responsibilities__________________________________ 1. Performs credit analysis on small to middle ticket credit applications to $5,000,000. 2. Performs financial statement analysis, cash flow analysis and projection analysis. 3. Analyzes consumer credit reports and commercial credit reports as part of the credit decision process. 4. Communicates timely credit decisions in an accurate, clear and concise manner 5. Gathers data relevant to the credit request regarding the business, the guarantor, total exposure and the collateral. Provides direct communication to internal and external customers on credit and documentation matters. 6. Identifies credit applicants with minor weaknesses and apply appropriate structuring techniques e.g. rate enhancements, down payments, additional collateral, and term reduction. Presents applicant's strengths and weakness to internal and external customers. 7. Prepares formal credit memos and presents recommendations to the Credit Manager or Loan Committee for middle ticket transactions. 8. Requests the appropriate documentation as it relates to the size of the transaction and structure of the legal entity. 9. Provides due diligence on portfolio acquisitions. 10. Reviews and approves Source (Dealer/Broker/OEM) programs. 11. Performs annual reviews for Obligors and Sources. 12. Communicates EF credit underwriting strategies and business practices. 13. Interacts with Team Members, Customers, Sources, Legal Advisors, Corporate Executives and Sale Representatives regarding specific opportunities and programs. 14. Full knowledge and understanding of policies set forth by EF and the ability to abide by them. Bona Fide Occupational Qualifications___________________________ 1. Bachelor's degree in business or educational training specific to credit underwriting is preferred. 2. A minimum of seven (7) years of experience with financial statement analysis expertise to evaluate finance transactions to $5,000,000. 3. Strong reading, writing, and grammar skills; superior analytical and mathematical skills; proficient communicative and interpersonal relations skills required. 4. Microsoft Windows and Microsoft Office knowledge required. 5. May be eligible for Telecommuting.

Performs daily loan and portfolio system maintenance for consumer, small business solutions, commercial solutions, corporate commercial loans, and mortgage loans Completes full account activity review and documentation completeness, accuracy, integrity, and initiates any necessary corrections resulting from the review. Follows restricted guide procedures, which are system or application specific, to ensure system integrity and avoid probable errors that could result in a loss to the bank or client while executing requested maintenance. Supports both internal and external client questions related to loan accounts. Adds dealer floor plan units and processes corresponding monetary transactions such as interest payments, payoffs, real estate tax disbursements, and escrow account entries to the system and verifies that they balance. Corrects billing exceptions, posts accrual adjustments, and clears balance activity, as needed. Processes consumer and residential credit disputes of a general nature. Receives and prepares accurate disbursement of real estate taxes paid through escrow. Prepares maintenance and documentation for scanning to the Document Retention System. Bona Fide Occupational Qualifications___________________________ 1. Must have a high school diploma or equivalent. 2. Minimum of two (2) years related experience is required. 3. Proficient mathematics skills; knowledge of computer systems such as LaserPro, CIF, Word, Excel, Grow systems, mainframe, and Loan Prospector. 4. Moderate interpersonal relations; moderate typing skills; moderate report writing and analytical skills and supervisory skills sufficient to provide training. 5. Ability to comply with established budgets and operate within budgetary constraints.

Part-time hours can range from an average of 15 - 25 hours per week depending on the needs of the branch. SUMMARY - Employee that will accurately & efficiently perform in a professional environment and is the "face of Somerset Trust Company" to our retail branch customers by providing personable, quick service performing a set of regular procedures, as well as a variety of customer requests & transactions, including, but not limited to: check cashing and deposits, loan payments, product explanation and being able to identify opportunities to refer customers as needed. Employee will clearly & respectfully communicate with customers and have ability to resolve customer issues as they arise. QUALIFICATIONS - To perform this job successfully, an individual must be able to perform each essential duty with consistent accuracy. 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. Other duties may be assigned. * Greets customers with a smile. * Receives checks and cash for deposit, verifies amount, and examines checks for endorsements. * Cashes checks and pays out money after verification of signatures and customer balances. * Enters customers' transactions into computer to record transactions, and issues computer generated receipts. * Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen. * Recognizes opportunities to explain, promote, or sell financial products or services offered by the bank. * Removes deposits from, and counts and balances cash in, and night depository. * Accepts loan payments. * Resolves customers' issues as they arise. * Understands and supports all BSA/AML responsibilities as applicable to the position as well as consistently, accurately, and timely carry out these responsibilities in compliance with the Bank's internal policies. SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities. EDUCATION and/or EXPERIENCE High school diploma or general education degree (GED); or three to six months related experience and/or training; or equivalent combination of education and experience. LANGUAGE SKILLS - Ability to read and interpret documents such as procedures, operating and maintenance instructions, and security procedures. Ability to communicate clearly and respectfully communicate with customers or coworkers. Ability to write routine reports and correspondence. MATHEMATICAL SKILLS - Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent. REASONING ABILITY - Ability to apply common sense to perform assigned duties and understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. OTHER SKILLS - Displays an eagerness & ability to learn, efficiently use the technology provided, and is receptive to new ideas. PHYSICAL DEMANDS - The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to operate office equipment such as keyboards, telephones, etc. and to talk and hear. The employee frequently is required to walk and reach with hands and arms. The employee is occasionally required to stand. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close and peripheral vision, and ability to adjust focus. WORK ENVIRONMENT - The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Equal Opportunity Employer, including disability and protected veteran status.