Spencer Savings Bank jobs in Edison, NJ - 22 jobs

BASIC FUNCTION

Job DescriptionBASIC FUNCTION Responsible for ensuring mortgage accounts' insurance and real estate tax bills are paid in a timely and accurate manner. MAJOR RESPONSIBILITIES Handles customer escrow issues, analysis and other related escrow issues concerning the portfolio. Receives and records insurance and real estate tax bills. Inputs information to ensure accurate up-to-date system records and provides follow-up as needed. Monitors the handling of notifications of insurance cancellations and assists in resolving such issues as necessary. Ensures that there is a review of system reports and pre-edit listings prior to disbursements. Responsible for performing a tax proof by running totals on town/county, school, village and city tax bills; resolves exceptions as required. Responsible for the escrow disbursement amongst various insurance types within the portfolio. Performs other duties as required. JOB REQUIREMENTS Education: College Degree, or equivalent related business experience. Experience: Minimum of 5 years within a loan servicing environment handling real estate taxes and insurance issues. Knowledge of real estate taxes and/or insurance record keeping and associated regulatory guidelines. Strong customer service skills required. Proficiency with various software programs, including Word and Excel spreadsheet applications. Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account Salary Range $50,501.00-$78,105.00 annually

Purpose This internship program is designated to provide high school students with hands on exposure to community banking, customer service, and branch management, while supporting the Edison Board of Education's initiative to create meaningful community partnerships. Interns will gain real world professional experience while contributing to Spencer Savings Bank's legendary service culture. Key Responsibilities Serve as a meet and greet host for customers, learning how to create a welcoming environment and deliver legendary service. Shadow branch management to observe and understand day-to-day branch operations and leadership practices. Participate in team huddles to learn how to lead, motivate, and collaborate with a retail banking team. Assist with light administrative tasks such as filing and organizing. Join virtual meetings with department heads (e.g. Lending, Operations, Marketing, Treasury, Compliance) to gain exposure to multiple areas of the bank. Participate in community engagement activities, representing the bank. Travel to other branches or events may occasionally be required. Learning Objectives Develop professional workplace skills, including communication, customer service and teamwork. Gain a foundational understanding of retail banking operations. Learn how leadership and management practices are applied in a financial services environment. Understand the broader functions of a financial institution by engaging with various departments. Experience the role of community banking in supporting local customers and organizations. Qualifications HS senior enrolled in Edison BOE Interest in business, finance or customer service Strong communication and interpersonal skills Dependable, professional and eager to learn. Hours/Duration Part-time schedule: typically 4-5 hours per day as coordinated with Edison BOE and Spencer Savings Bank. Duration will be determined jointly with the school. Dress Attire Business casual is required. Examples include khakis or dress pants paired with a button-down shirt or blouse. Closed toe shoes are required. Jeans, sneakers and t-shirts are not permitted.

BASIC FUNCTION Financial Center Service Representative (FCSR) is generally more experienced and is responsible for processing a variety of financial transactions including check cashing, withdrawals, deposits and loan payments. This position is responsible for managing and balancing a cash drawer and preparing daily paperwork according to branch procedures. The FCSR is responsible for engaging clients during their transaction to identify any customer needs and refer them over to the platform for fulfillment. The FCSR is responsible for providing an extraordinary customer experience by executing Spencer's customer service behaviors with every client interaction. They also assist the Assistant Financial Center Manager with teller line and end of day proof functions. Works under general supervision. MAJOR RESPONSIBILITIES Operates a teller window to process all types of banking transactions including deposits, withdrawals, payments, buy/sell cash and cashier's checks Responsible for providing a consistent extraordinary client experience by executing on Spencer's customer service behaviors Researches and resolves all transaction errors that occur and engages management support when needed Executes the internal sales process by engaging the customer in conversation during the customer transaction to identify needs and refers them to the platform Operates within the confines of the bank's compliance and operational policy and procedures Diligently completes all necessary paperwork such as CTRs, SARs etc… accurately and in a timely manner Assists Assistant Financial Center Manager with end-of-day branch proof tasks including ATM and Vault Participates in internal and external branch events as well as local community events Must be able to work a flexible hourly schedule as requested May be asked to travel & work at other branches in the network Presents a professional image Provides access to safe deposit boxes Opens and/or closes branch with management Perform other duties as required J OB REQUIREMENTS Education: High school diploma or GED Experience: 6 months - 2 years in a retail sales/service environment preferred Benefits Vacation Short Term Disability Life Insurance 401k Savings Plan Employee Assistance Program Free Employee Checking Account

BASIC FUNCTION The Universal Banker responsibilities may vary day to day based on the work that needs to be done in the branch that day. Responsibilities include responding to customers' needs by processing a variety of financial transactions including but not limited to check cashing, withdrawals, deposits, and loan payments and/or greeting customers, performing customer needs assessment (profiling), opening accounts, cross selling, tele-consulting, developing relationships thru a book of business, and servicing accounts. The Universal Banker may also research and resolve account issues or customer inquiries, promotes organizational products and services by referring current or prospective customers to other departments within the organization. This position is responsible for managing and balancing cash drawers well as meeting sales expectations, which include deposit, loan and revenue generating referrals. Responsibilities may also include assisting the Financial Center supervisor with the teller line and end of day functions and preparing daily paperwork according to branch procedures. Works under general supervision. MAJOR RESPONSIBILITIES Operates a teller window to process all types of banking transactions including deposits, withdrawals, payments, buy/sell cash and cashier's checks Operates at the platform to open accounts and resolve customer service issues Responsible for providing consistent extraordinary client experience by executing on Spencer's customer service behaviors Research and resolves all transaction errors that occur and engages management support when needed Executes the internal sales process by engaging the customer in conversation during customer platform interaction to identify needs and recommends appropriate products and services Engages customer in conversation during the customer transaction to identify needs and refers them to the platform when working at the teller window Operates within the confines of the bank's compliance and operational policy and procedures Diligently completes all necessary paperwork such as CTRs, SARs etc… accurately and in a timely manner Assists AFCM with end-of-day branch proof tasks including ATM and Vault Participates in internal and external branch events as well as local community events Must be able to work a flexible hourly schedule as requested May be asked to travel & work at other branches in the network Presents a professional image Provides access to safe deposit boxes Opens and/or closes branch with management Perform other duties as required JOB REQUIREMENTS Education: High school diploma or GED Experience: Minimum of 2 years bank teller and/or platform experience preferred Benefits • Holidays • Vacation • Health/Dental • Vision Service Plan • Short Term Disability • Long Term Disability • Life Insurance • Flexible Spending Accounts • 401k Savings Plan • Tuition Reimbursement • Employee Assistance Program • Free Employee Checking Account Salary Range $41,814-$64,670 annually

BASIC FUNCTIONManagerial responsibility and oversight of the CRE and C&I loans, as well as loans that are risk rated special mention or worse, delinquent more than 15 days past due and /or loans requiring special attention as directed by the Director of Portfolio Management. The Sr. Portfolio Manager will be responsible for monitoring both the Real Estate and C&I Portfolios including, but not limited to, annual reviews and analysis of financial information, identification of negative trends, report preparation and market conditions. This role will coordinate with third party vendors and various regulatory bodies. MAJOR RESPONSIBILITIES The Sr. Portfolio Manager is responsible for monitoring and assessing the credit risk of the banks commercial loan portfolio. The role entails leading credit monitoring, control, and administration of a portfolio of borrowers with a view to identifying potential credit issues early. Effectively mentor a team of Portfolio Managers. Provide ongoing credit oversight and portfolio management of the CRE and C&I loan portfolio through annual reviews, monitoring of covenant compliance and the creation and maintenance of “Watch List” credits. Interact with Loan Officers, Borrowers or CPAs to obtain necessary financial information required to complete annual reviews. Completes annual reviews, loan renewals, maturities, and asset quality reports on a timely basis Proactively manages the portfolio to both maximize profitability and ensure strong asset quality through consistent and timely identification and resolution of issues as well as accurate assessment and assignment of loan risk ratings. Consult with customers regarding their financial performance trends and pro-actively anticipate and manage deteriorating credits. Manage and track borrowing bases, A/R Aging, Field Exams, etc. Manage the Stress Test Data Collection Process with the Portfolio Managers. Manage portfolio risk on a forward and proactive basis with respect to economic and industry trends, borrower concentrations, industry concentrations, likelihood of default and loss and criticized and classified loan migration. Recommend specific action plans upon identifying increased borrower credit risk to mitigate non performing / non-accrual loan status. Monitor and resolve past dues working with the Relationship Manager. Assist with site visits / property inspections as needed. Assist SVP Director of Portfolio Management with monthly reporting and special projects as required. JOB REQUIREMENTS Education: College Degree Experience: Minimum of 15+ years related work experience (Lending, underwriting CRE / C&I loans, portfolio management, managing and mentoring employees, collections, bankruptcy, note sales and foreclosure). Formal credit training required. Strong analytical and quantitative skills. Excellent written/verbal communication skills required. Ability to work independently and meet specified deadlines. Working knowledge of MS Word, MS Excel, CRM Platforms, etc. Strong credit skills, analytical skills, and financial acumen. Uses time effectively and efficiently; and keep projects/tasks moving forward within a reasonable and quick timeframe. Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account

BASIC FUNCTION The AT & Financial Center Manager (FCM) is generally more experienced and is responsible for managing the day-to-day operations of the branch, the internal sales process and customer experience. They are responsible for ensuring all policies and procedures are followed and that the branch staff practices sound risk management. This position is responsible for providing required reporting related to operations and control and adherence to income, expense, and budgetary guidelines and standards. This position is also responsible for security of equipment and premises, financial controls, collections and loss handling, as well as daily opening and closing procedures. In addition, the incumbent may supplement platform sales and service responsibilities as required. The AT & FCM is also responsible for the coaching, performance management and talent management of direct reports. Approximately 50% of the AT & FCMs' time is spent in the branch managing, observing, coaching and driving the internal sales and operational processes of the branch. Approximately 50% of their time is spent outside the branch developing business and participating in community/business related activities/events. MAJOR RESPONSIBILITIES Manages and owns all facets of day-to-day branch operations Manages and owns the successful execution of the internal sales process by all staff to drive results Ensures all staff are providing an extraordinary customer experience by executing Spencer's customer service behaviors Ensures all staff are operating proficiently with regards to branch operations, policies and procedures and compliance. Actively participates in in local community and business events to help get the bank's brand out in the market Assists the VP Market Manager in creating the annual business plan for their financial center Creates, with the support of the Assistant Financial Center Manager, a monthly branch sales tactical plan to ensure branch sales goals are being met Ensure the branch meets and exceeds corporate audit and compliance audit expectations Participates in outside business development activities Responsible for managing branch profitability Responsible for ensuring the coaching & employee development process is conducted consistently on a monthly basis. Responsible performance management and talent management Handles scheduling to effectively meet branch productivity and efficiency standards Performs and reviews branch audits May perform other duties as requested SUPERVISORY RESPONSIBILITIES Directly supervises Assistant Financial Center Manager & Financial Center Relationship Representative and indirectly supervises Financial Center Service Representatives SKILLS Solid interpersonal skills, including listening, written and verbal communication Ability to work with a wide variety of personalities in a courteous and professional manner Solid math and analytical skills Ability to understand and follow safety and security practices Solid relationship building skills Ability (strong) to build relationships through consultative conversations and to identify customer needs and translate those needs to sales opportunities Strong customer service/advocacy skills Solid organizational and time management skills Solid PC skills; and the ability to quickly learn other computer programs, including Microsoft office Ability to evaluate others on their performance Ability to effectively coach, develop and manage staff performance Education High School diploma is required. Experience Minimum of 3 years financial center management/supervision experience preferred 3-5 years Sales/Service management preferred Revised 07/11/2025 Salary Range: 78,468-124,007 annually Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account

Job Description BASIC FUNCTION Responsible for acting in place of the Director of the Commercial & Industrial Lending (C&I) and Small Business Finance (SBF) Department. The position will oversee all other Bank departments, ensuring C & I and SBF are compliant with policy and appropriate procedures. Assist with identification of lending and deposit opportunities as well as qualifies loans to borrowers for real estate secured and non-real estate financing opportunities. Ensures the quality of prospective commercial loan opportunities/portfolio to meet/exceed the Bank's standards for C & I and SBF loans. This position will also have management responsibility for evaluating, structuring, underwriting, loan transactions originated from the C & I and Small Business Finance Departments, both new transactions and modifications. MAJOR RESPONSIBILITIES Deputy: Oversees the department's Administration, Underwriting and Production (Relationship Managers) to ensure they are following the bank's Commercial C & I and Small Business Finance lending policies and practices. Will further oversee all Department Teams to ensure transactions are effectively/efficiently proceeding toward approval and closing. Makes telephone and personal calls to customers and potential customers. Expedites the resolution of customer problems/complaints. Oversees the quality of new/existing accounts. Verifies that potential loans conform to policy. Ensures that necessary documentation is completed, and requests additional data as needed. Confers with Department Director on portfolio opportunities/issues. Maintains a state-of-the-art knowledge of the bank's Commercial/Small Business lending market, with respect to products, pricing and demand. Reviews/signs-off on new loan and modification underwritings (as long as position is not a producing position). Review commitment letters and loan documentation to insure conformance with approval and Bank policies. Performs other duties as required. Underwriting: Responsible for reviewing and analyzing commercial real estate and non-real estate loan requests/submissions, financial statements, property/business soundness and viability, industry trends, competition, management capability and financial leverage. Responsible for reviewing each underwriter and/or performing in-depth due diligence on prospective clients (Borrowers/Principle/Guarantors) and their financial statements including cash flow modeling and projections. Interact with Relationship Managers to establish appropriate loan structure which is consistent with prescribed credit policies, underwriting guidelines and general best practices considering risk elements inherent in loan purpose, ownership structure, management depth and experience. Responsible for preparing Credit Memorandum for approval by Department Head, Senior Lending Officer and/or Credit Committee. Interact with customers, Relationship Managers, underwriting staff, and administrative staff to obtain timely and complete financial information. Assist in recommending, updating, and writing Departmental Credit Policies and Procedures as well as underwriting procedures. Negotiate and recommend for approval loan modifications. Responsible for managing the Underwriting staff and Sales staff (RM) workflow. Department Support: Interact with Loan Review and Internal Audit relating to asset reviews Interact with external Bank Accountants and Regulators during their review. Prepare draft responses to Loan Review and Internal Audit reports for Department Director and SLO review and sign off. Assist the Department Director in overseeing the activities of the Commercial C & I and Small Business Finance departments including C & I and SBF policies, procedures and other management reporting requirements. JOB REQUIREMENTS Education: College Degree or education (or a combination of education and experience) equivalent to an undergraduate degree, Bank lending experience with successful completion of a credit training program. Experience: Minimum of 15 years' commercial lending/Small Business real estate and non-real estate experience required. Minimum of 5 years' Supervisory/Management experience. Minimum 5 years' experience as a Senior Underwriter with demonstrated ability to independently analyze, structure, negotiate and close commercial real estate loan transactions. Minimum 5 years' experience managing high performing sales teams with processes, prospecting and COI cultivation. Excellent organizational skills. Thorough knowledge of commercial real estate and non-real estate loan product lines. Goal oriented individual - displaying self-motivation and initiative being a detail oriented and conscientious leader. Excellent leadership and teamwork skills required. Strong customer service skills required. Experience with bank credit policies and procedures, loan analysis and guarantor/sponsor financial analysis. Previous leadership role in a senior capacity with demonstrated ability to manage and direct subordinates. Excellent organizational, presentation, interpersonal, communication skills and the ability to multi-task. Ability to work independently under stringent time constraints. Proficient in Word, Excel, Office, and other spreadsheet software applications. Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account

BASIC FUNCTION Responsible for ensuring mortgage accounts' insurance and real estate tax bills are paid in a timely and accurate manner. MAJOR RESPONSIBILITIES Handles customer escrow issues, analysis and other related escrow issues concerning the portfolio. Receives and records insurance and real estate tax bills. Inputs information to ensure accurate up-to-date system records and provides follow-up as needed. Monitors the handling of notifications of insurance cancellations and assists in resolving such issues as necessary. Ensures that there is a review of system reports and pre-edit listings prior to disbursements. Responsible for performing a tax proof by running totals on town/county, school, village and city tax bills; resolves exceptions as required. Responsible for the escrow disbursement amongst various insurance types within the portfolio. Performs other duties as required. JOB REQUIREMENTS Education: College Degree, or equivalent related business experience. Experience: Minimum of 5 years within a loan servicing environment handling real estate taxes and insurance issues. Knowledge of real estate taxes and/or insurance record keeping and associated regulatory guidelines. Strong customer service skills required. Proficiency with various software programs, including Word and Excel spreadsheet applications. Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account Salary Range $50,501.00-$78,105.00 annually

Purpose This internship program is designated to provide high school students with hands on exposure to community banking, customer service, and branch management, while supporting the Edison Board of Education's initiative to create meaningful community partnerships. Interns will gain real world professional experience while contributing to Spencer Savings Bank's legendary service culture. Key Responsibilities Serve as a meet and greet host for customers, learning how to create a welcoming environment and deliver legendary service. Shadow branch management to observe and understand day-to-day branch operations and leadership practices. Participate in team huddles to learn how to lead, motivate, and collaborate with a retail banking team. Assist with light administrative tasks such as filing and organizing. Join virtual meetings with department heads (e.g. Lending, Operations, Marketing, Treasury, Compliance) to gain exposure to multiple areas of the bank. Participate in community engagement activities, representing the bank. Travel to other branches or events may occasionally be required. Learning Objectives Develop professional workplace skills, including communication, customer service and teamwork. Gain a foundational understanding of retail banking operations. Learn how leadership and management practices are applied in a financial services environment. Understand the broader functions of a financial institution by engaging with various departments. Experience the role of community banking in supporting local customers and organizations. Qualifications HS senior enrolled in Edison BOE Interest in business, finance or customer service Strong communication and interpersonal skills Dependable, professional and eager to learn. Hours/Duration Part-time schedule: typically 4-5 hours per day as coordinated with Edison BOE and Spencer Savings Bank. Duration will be determined jointly with the school. Dress Attire Business casual is required. Examples include khakis or dress pants paired with a button-down shirt or blouse. Closed toe shoes are required. Jeans, sneakers and t-shirts are not permitted.

Job Description BASIC FUNCTION The Universal Banker responsibilities may vary day to day based on the work that needs to be done in the branch that day. Responsibilities include responding to customers' needs by processing a variety of financial transactions including but not limited to check cashing, withdrawals, deposits, and loan payments and/or greeting customers, performing customer needs assessment (profiling), opening accounts, cross selling, tele-consulting, developing relationships thru a book of business, and servicing accounts. The Universal Banker may also research and resolve account issues or customer inquiries, promotes organizational products and services by referring current or prospective customers to other departments within the organization. This position is responsible for managing and balancing cash drawers well as meeting sales expectations, which include deposit, loan and revenue generating referrals. Responsibilities may also include assisting the Financial Center supervisor with the teller line and end of day functions and preparing daily paperwork according to branch procedures. Works under general supervision. MAJOR RESPONSIBILITIES Operates a teller window to process all types of banking transactions including deposits, withdrawals, payments, buy/sell cash and cashier's checks Operates at the platform to open accounts and resolve customer service issues Responsible for providing consistent extraordinary client experience by executing on Spencer's customer service behaviors Research and resolves all transaction errors that occur and engages management support when needed Executes the internal sales process by engaging the customer in conversation during customer platform interaction to identify needs and recommends appropriate products and services Engages customer in conversation during the customer transaction to identify needs and refers them to the platform when working at the teller window Operates within the confines of the bank's compliance and operational policy and procedures Diligently completes all necessary paperwork such as CTRs, SARs etc… accurately and in a timely manner Assists AFCM with end-of-day branch proof tasks including ATM and Vault Participates in internal and external branch events as well as local community events Must be able to work a flexible hourly schedule as requested May be asked to travel & work at other branches in the network Presents a professional image Provides access to safe deposit boxes Opens and/or closes branch with management Perform other duties as required JOB REQUIREMENTS Education: High school diploma or GED Experience: Minimum of 2 years bank teller and/or platform experience preferred Benefits • Holidays • Vacation • Health/Dental • Vision Service Plan • Short Term Disability • Long Term Disability • Life Insurance • Flexible Spending Accounts • 401k Savings Plan • Tuition Reimbursement • Employee Assistance Program • Free Employee Checking Account

Job Title VP & C&I RELATIONSHIP MANAGER Department Commercial & Industrial Lending Reports to (Title) VP & DIRECTOR, C&I LENDING Job Code E-18 BASIC FUNCTION Responsible for generating C&I business by focusing on developing new business relationships and a strong referral network - specifically with accountants, public agencies, attorneys, and Chambers of Commerce. MAJOR RESPONSIBILITIES Cultivates referrals from branch network for business-related products and services. Participates in meetings of branch offices to enlist their consistent support and heightened awareness of new products and services. Prospects for new business customers via networking, cold-calling and telemarketing. Successfully develops new business and manages relationships to retain business over the long-term. Makes telephone and personal calls and presentations to customers and potential customers. Tracks and reports sales results on a monthly basis. Supports Branch business development activities. Insures the profitability and credit quality of the portfolio in accordance with SSB's credit policy. Manages the day-to-day credit process, including credit write-ups, customer inquiries, and deal structures. Gathers financial information, prepares loan proposals, and manages several aspects of the underwriting function. Monitors quality of existing accounts. Verifies that potential loans conform to policy. Ensures that necessary documentation is completed and requests additional data as needed. Confers with superiors on difficult or sensitive issues. Ensures strong, effective market share of the products and services by providing direction and information on the products and applications and related services. Keeps abreast of the products, applications, technical service, market conditions, and competitive activities. Performs other duties as required. JOB REQUIREMENTS Education: College Degree; or a combination of education and experience equivalent to an undergraduate degree. Experience: Minimum of 3 years C&I lending experience required. Excellent verbal/written communication skills. Capability of working independently in a fast-paced and changing environment. Good organizational and sales skills to facilitate and cultivate all leads. Credit and risk analysis skills required - with a working knowledge of various financing options. Goal oriented individual - displaying self-motivation and initiative. Excellent teamwork skills required. Basic knowledge of word processing and spreadsheet software required. Strong customer service skills required. Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account

BASIC FUNCTION Responsible for ensuring mortgage accounts' insurance and real estate tax bills are paid in a timely and accurate manner. MAJOR RESPONSIBILITIES Handles customer escrow issues, analysis and other related escrow issues concerning the portfolio. Receives and records insurance and real estate tax bills. Inputs information to ensure accurate up-to-date system records and provides follow-up as needed. Monitors the handling of notifications of insurance cancellations and assists in resolving such issues as necessary. Ensures that there is a review of system reports and pre-edit listings prior to disbursements. Responsible for performing a tax proof by running totals on town/county, school, village and city tax bills; resolves exceptions as required. Responsible for the escrow disbursement amongst various insurance types within the portfolio. Performs other duties as required. JOB REQUIREMENTS Education: College Degree, or equivalent related business experience. Experience: Minimum of 5 years within a loan servicing environment handling real estate taxes and insurance issues. Knowledge of real estate taxes and/or insurance record keeping and associated regulatory guidelines. Strong customer service skills required. Proficiency with various software programs, including Word and Excel spreadsheet applications. Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account Salary Range $50,501.00-$78,105.00 annually

BASIC FUNCTION

BASIC FUNCTION The Universal Banker responsibilities may vary day to day based on the work that needs to be done in the branch that day. Responsibilities include responding to customers' needs by processing a variety of financial transactions including but not limited to check cashing, withdrawals, deposits, and loan payments and/or greeting customers, performing customer needs assessment (profiling), opening accounts, cross selling, tele-consulting, developing relationships thru a book of business, and servicing accounts. The Universal Banker may also research and resolve account issues or customer inquiries, promotes organizational products and services by referring current or prospective customers to other departments within the organization. This position is responsible for managing and balancing cash drawers well as meeting sales expectations, which include deposit, loan and revenue generating referrals. Responsibilities may also include assisting the Financial Center supervisor with the teller line and end of day functions and preparing daily paperwork according to branch procedures. Works under general supervision. MAJOR RESPONSIBILITIES Operates a teller window to process all types of banking transactions including deposits, withdrawals, payments, buy/sell cash and cashier's checks Operates at the platform to open accounts and resolve customer service issues Responsible for providing consistent extraordinary client experience by executing on Spencer's customer service behaviors Research and resolves all transaction errors that occur and engages management support when needed Executes the internal sales process by engaging the customer in conversation during customer platform interaction to identify needs and recommends appropriate products and services Engages customer in conversation during the customer transaction to identify needs and refers them to the platform when working at the teller window Operates within the confines of the bank's compliance and operational policy and procedures Diligently completes all necessary paperwork such as CTRs, SARs etc… accurately and in a timely manner Assists AFCM with end-of-day branch proof tasks including ATM and Vault Participates in internal and external branch events as well as local community events Must be able to work a flexible hourly schedule as requested May be asked to travel & work at other branches in the network Presents a professional image Provides access to safe deposit boxes Opens and/or closes branch with management Perform other duties as required JOB REQUIREMENTS Education: High school diploma or GED Experience: Minimum of 2 years bank teller and/or platform experience preferred Benefits • Holidays • Vacation • Health/Dental • Vision Service Plan • Short Term Disability • Long Term Disability • Life Insurance • Flexible Spending Accounts • 401k Savings Plan • Tuition Reimbursement • Employee Assistance Program • Free Employee Checking Account

BASIC FUNCTION Responsible for acting in place of the Director of the Commercial & Industrial Lending (C&I) and Small Business Finance (SBF) Department. The position will oversee all other Bank departments, ensuring C & I and SBF are compliant with policy and appropriate procedures. Assist with identification of lending and deposit opportunities as well as qualifies loans to borrowers for real estate secured and non-real estate financing opportunities. Ensures the quality of prospective commercial loan opportunities/portfolio to meet/exceed the Bank's standards for C & I and SBF loans. This position will also have management responsibility for evaluating, structuring, underwriting, loan transactions originated from the C & I and Small Business Finance Departments, both new transactions and modifications. MAJOR RESPONSIBILITIES Deputy: Oversees the department's Administration, Underwriting and Production (Relationship Managers) to ensure they are following the bank's Commercial C & I and Small Business Finance lending policies and practices. Will further oversee all Department Teams to ensure transactions are effectively/efficiently proceeding toward approval and closing. Makes telephone and personal calls to customers and potential customers. Expedites the resolution of customer problems/complaints. Oversees the quality of new/existing accounts. Verifies that potential loans conform to policy. Ensures that necessary documentation is completed, and requests additional data as needed. Confers with Department Director on portfolio opportunities/issues. Maintains a state-of-the-art knowledge of the bank's Commercial/Small Business lending market, with respect to products, pricing and demand. Reviews/signs-off on new loan and modification underwritings (as long as position is not a producing position). Review commitment letters and loan documentation to insure conformance with approval and Bank policies. Performs other duties as required. Underwriting: Responsible for reviewing and analyzing commercial real estate and non-real estate loan requests/submissions, financial statements, property/business soundness and viability, industry trends, competition, management capability and financial leverage. Responsible for reviewing each underwriter and/or performing in-depth due diligence on prospective clients (Borrowers/Principle/Guarantors) and their financial statements including cash flow modeling and projections. Interact with Relationship Managers to establish appropriate loan structure which is consistent with prescribed credit policies, underwriting guidelines and general best practices considering risk elements inherent in loan purpose, ownership structure, management depth and experience. Responsible for preparing Credit Memorandum for approval by Department Head, Senior Lending Officer and/or Credit Committee. Interact with customers, Relationship Managers, underwriting staff, and administrative staff to obtain timely and complete financial information. Assist in recommending, updating, and writing Departmental Credit Policies and Procedures as well as underwriting procedures. Negotiate and recommend for approval loan modifications. Responsible for managing the Underwriting staff and Sales staff (RM) workflow. Department Support: Interact with Loan Review and Internal Audit relating to asset reviews Interact with external Bank Accountants and Regulators during their review. Prepare draft responses to Loan Review and Internal Audit reports for Department Director and SLO review and sign off. Assist the Department Director in overseeing the activities of the Commercial C & I and Small Business Finance departments including C & I and SBF policies, procedures and other management reporting requirements. JOB REQUIREMENTS Education: College Degree or education (or a combination of education and experience) equivalent to an undergraduate degree, Bank lending experience with successful completion of a credit training program. Experience: Minimum of 15 years' commercial lending/Small Business real estate and non-real estate experience required. Minimum of 5 years' Supervisory/Management experience. Minimum 5 years' experience as a Senior Underwriter with demonstrated ability to independently analyze, structure, negotiate and close commercial real estate loan transactions. Minimum 5 years' experience managing high performing sales teams with processes, prospecting and COI cultivation. Excellent organizational skills. Thorough knowledge of commercial real estate and non-real estate loan product lines. Goal oriented individual - displaying self-motivation and initiative being a detail oriented and conscientious leader. Excellent leadership and teamwork skills required. Strong customer service skills required. Experience with bank credit policies and procedures, loan analysis and guarantor/sponsor financial analysis. Previous leadership role in a senior capacity with demonstrated ability to manage and direct subordinates. Excellent organizational, presentation, interpersonal, communication skills and the ability to multi-task. Ability to work independently under stringent time constraints. Proficient in Word, Excel, Office, and other spreadsheet software applications. Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account

Job Description BASIC FUNCTION Responsible for the cultivation and development of Centers of Influence (COIs) that refer profitable new business relationships that have strong commercial non-interest bearing deposit, cash management and commercial lending needs. Also works closely with the Market Manager, Retail Financial Center Management, the Business Banker, and the C&I and CRE Lenders in support of the above mentioned expectations. The BDO will focus on developing relationships with “deposit rich” industries and companies with annual revenues greater than $5mm. MAJOR RESPONSIBILITIES Cultivate, develop, and leverage Centers of Influence that will refer to non-interest bearing DDA relationships, cash management and commercial lending prospects to the bank. Gathers and presents completed loan package for underwriting which includes financial information, loan structure, pricing recommendation, collateral description and write-up outlining company history, type of business, customer base, purpose of loan, and other supporting information. Develops and implements a business development plan annually Develop business relationships through their COIs, networking events, prospecting and telemarketing within assigned markets. Participates in the Retail Bank's activities regarding community involvement. Cross sells the bank's complete product line including BankingPlus, Merchant and Cash Management services. Tracks and reports business development activities on monthly basis. Participates in monthly business development meetings with Business Banker, Retail Bank Management and participates in individual branch sales meeting. Participates in sales calls with Retail Bank Management, and C & I & CRE Lending partners to uncover non-interest bearing deposit, cash management & commercial lending opportunities. Works closely with the Market Manager and Director of Retail Administration in providing feedback on service and retail sales related issues. Keeps abreast of the products, applications, technical services, market conditions and competitive activities. Performs other duties as required. JOB REQUIREMENTS Education: College Degree; or a combination of education and experience equivalent to an undergraduate degree. Formal small business credit training a plus. Experience: Minimum of 5 years as a Business Banking Officer at a commercial bank. Excellent communication, organizational and sales skills required. Excellent customer service/interpersonal skills required. Basic knowledge of word processing and spreadsheet software required. Goal oriented individual - displaying self-motivation, initiative and team player. Skills & Training: Strong Leadership Collaborative Skills Solid People Skills Strong Verbal, Written & Presentation Skills Knowledge of Bank Policy and Procedures Solid Commercial Product Knowledge (Commercial Deposits, Loans & Cash Management Strong Time Management Working Knowledge of Microsoft Office (Word, Excel, Power Point) Goal Oriented Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account

BASIC FUNCTION The Universal Banker responsibilities may vary day to day based on the work that needs to be done in the branch that day. Responsibilities include responding to customers' needs by processing a variety of financial transactions including but not limited to check cashing, withdrawals, deposits, and loan payments and/or greeting customers, performing customer needs assessment (profiling), opening accounts, cross selling, tele-consulting, developing relationships thru a book of business, and servicing accounts. The Universal Banker may also research and resolve account issues or customer inquiries, promotes organizational products and services by referring current or prospective customers to other departments within the organization. This position is responsible for managing and balancing cash drawers well as meeting sales expectations, which include deposit, loan and revenue generating referrals. Responsibilities may also include assisting the Financial Center supervisor with the teller line and end of day functions and preparing daily paperwork according to branch procedures. Works under general supervision. MAJOR RESPONSIBILITIES Operates a teller window to process all types of banking transactions including deposits, withdrawals, payments, buy/sell cash and cashier's checks Operates at the platform to open accounts and resolve customer service issues Responsible for providing consistent extraordinary client experience by executing on Spencer's customer service behaviors Research and resolves all transaction errors that occur and engages management support when needed Executes the internal sales process by engaging the customer in conversation during customer platform interaction to identify needs and recommends appropriate products and services Engages customer in conversation during the customer transaction to identify needs and refers them to the platform when working at the teller window Operates within the confines of the bank's compliance and operational policy and procedures Diligently completes all necessary paperwork such as CTRs, SARs etc… accurately and in a timely manner Assists AFCM with end-of-day branch proof tasks including ATM and Vault Participates in internal and external branch events as well as local community events Must be able to work a flexible hourly schedule as requested May be asked to travel & work at other branches in the network Presents a professional image Provides access to safe deposit boxes Opens and/or closes branch with management Perform other duties as required JOB REQUIREMENTS Education: High school diploma or GED Experience: Minimum of 2 years bank teller and/or platform experience preferred Benefits • Holidays • Vacation • Health/Dental • Vision Service Plan • Short Term Disability • Long Term Disability • Life Insurance • Flexible Spending Accounts • 401k Savings Plan • Tuition Reimbursement • Employee Assistance Program • Free Employee Checking Account

BASIC FUNCTION Responsible for acting in place of the Director of the Commercial & Industrial Lending (C&I) and Small Business Finance (SBF) Department. The position will oversee all other Bank departments, ensuring C & I and SBF are compliant with policy and appropriate procedures. Assist with identification of lending and deposit opportunities as well as qualifies loans to borrowers for real estate secured and non-real estate financing opportunities. Ensures the quality of prospective commercial loan opportunities/portfolio to meet/exceed the Bank's standards for C & I and SBF loans. This position will also have management responsibility for evaluating, structuring, underwriting, loan transactions originated from the C & I and Small Business Finance Departments, both new transactions and modifications. MAJOR RESPONSIBILITIES Deputy: Oversees the department's Administration, Underwriting and Production (Relationship Managers) to ensure they are following the bank's Commercial C & I and Small Business Finance lending policies and practices. Will further oversee all Department Teams to ensure transactions are effectively/efficiently proceeding toward approval and closing. Makes telephone and personal calls to customers and potential customers. Expedites the resolution of customer problems/complaints. Oversees the quality of new/existing accounts. Verifies that potential loans conform to policy. Ensures that necessary documentation is completed, and requests additional data as needed. Confers with Department Director on portfolio opportunities/issues. Maintains a state-of-the-art knowledge of the bank's Commercial/Small Business lending market, with respect to products, pricing and demand. Reviews/signs-off on new loan and modification underwritings (as long as position is not a producing position). Review commitment letters and loan documentation to insure conformance with approval and Bank policies. Performs other duties as required. Underwriting : Responsible for reviewing and analyzing commercial real estate and non-real estate loan requests/submissions, financial statements, property/business soundness and viability, industry trends, competition, management capability and financial leverage. Responsible for reviewing each underwriter and/or performing in-depth due diligence on prospective clients (Borrowers/Principle/Guarantors) and their financial statements including cash flow modeling and projections. Interact with Relationship Managers to establish appropriate loan structure which is consistent with prescribed credit policies, underwriting guidelines and general best practices considering risk elements inherent in loan purpose, ownership structure, management depth and experience. Responsible for preparing Credit Memorandum for approval by Department Head, Senior Lending Officer and/or Credit Committee. Interact with customers, Relationship Managers, underwriting staff, and administrative staff to obtain timely and complete financial information. Assist in recommending, updating, and writing Departmental Credit Policies and Procedures as well as underwriting procedures. Negotiate and recommend for approval loan modifications. Responsible for managing the Underwriting staff and Sales staff (RM) workflow. Department Support: Interact with Loan Review and Internal Audit relating to asset reviews Interact with external Bank Accountants and Regulators during their review. Prepare draft responses to Loan Review and Internal Audit reports for Department Director and SLO review and sign off. Assist the Department Director in overseeing the activities of the Commercial C & I and Small Business Finance departments including C & I and SBF policies, procedures and other management reporting requirements. JOB REQUIREMENTS Education: College Degree or education (or a combination of education and experience) equivalent to an undergraduate degree, Bank lending experience with successful completion of a credit training program. Experience: Minimum of 15 years' commercial lending/Small Business real estate and non-real estate experience required. Minimum of 5 years' Supervisory/Management experience. Minimum 5 years' experience as a Senior Underwriter with demonstrated ability to independently analyze, structure, negotiate and close commercial real estate loan transactions. Minimum 5 years' experience managing high performing sales teams with processes, prospecting and COI cultivation. Excellent organizational skills. Thorough knowledge of commercial real estate and non-real estate loan product lines. Goal oriented individual - displaying self-motivation and initiative being a detail oriented and conscientious leader. Excellent leadership and teamwork skills required. Strong customer service skills required. Experience with bank credit policies and procedures, loan analysis and guarantor/sponsor financial analysis. Previous leadership role in a senior capacity with demonstrated ability to manage and direct subordinates. Excellent organizational, presentation, interpersonal, communication skills and the ability to multi-task. Ability to work independently under stringent time constraints. Proficient in Word, Excel, Office, and other spreadsheet software applications. Benefits Holidays Vacation Health/Dental Vision Service Plan Short Term Disability Long Term Disability Life Insurance Flexible Spending Accounts 401k Savings Plan Tuition Reimbursement Employee Assistance Program Free Employee Checking Account