Spencer Savings Bank jobs in Edison, NJ

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 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 Title CORPORATE COMMUNICATIONS COORDINATOR Department CORPORATE COMMUNICATIONS Reports to (Title) VP & DIRECTOR OF CORPORATE COMMUNICATIONS Job Code E-10 BASIC FUNCTION Assists Director of Corporate Communications in the administration of a variety of communications and public relations objectives. Supports the Director with all internal and external corporate communications and public relations initiatives for the bank. This includes coordinating a variety of tasks to help execute plans that advance company strategy, support Executive Management and key business objectives, build/protect company reputation and more. MAJOR RESPONSIBILITIES Assists Corporate Communications Director with all functions of the department. Contribute to a variety of Corporate Communications and PR plans, campaigns and initiatives that support business initiatives, enhance the Bank's reputation and brand, etc. Assist director in developing new content for social media platforms Manage the media coverage process for the company Assist with writing and creating newsletters for both employees and customers Work with Executives, and department heads, to produce customer email communications Coordinate a variety of internal and external ongoing events Performs other duties as required. JOB REQUIREMENTS Education: Bachelor's degree in communications or other related field required. Experience: Previous experience in communications, pr or marketing preferred. Previous experience in a banking environment a plus, but not required. Excellent multitasker Excellent storyteller with strong business storytelling strategies Excellent writer, proofreader and editor Effective communication skills Keen eye for design and ability to present information in an aesthetically pleasing way Ability to work effectively with Senior Management and all areas of the bank on various projects Proficient in MS Office with design software skills a plus but not required

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 Salary Range: $33,591 - $49,863 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 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

SUMMARY OF RESPONSIBILITIES Responsible for the Bank's financial records, reporting and processes are accurate, consistent with regulatory and generally accepted accounting principles (GAAP) and standards, adheres to tax laws and properly reflects the financial position of the Bank at time of reporting, and distributed in a manner to support the Board of Directors, Executive and Senior Management decisions regarding the Bank's goals and plans. Provides leadership, staff growth and development, and direct supervision of the accounting department. Key Responsibilities Financial Reporting: Responsible for preparing accurate financial statements, including balance sheets, income statements, and cash flow statements. CECL preparation and reporting Regulatory Compliance: Ensuring that all financial reports comply with Generally Accepted Accounting Principles (GAAP) and relevant banking regulations is a core duty. This includes preparing regulatory reports such as the Consolidated Reports of Condition and Income (call reports). Accounting Oversight: Manages the entire accounting cycle, from transaction entry to the final closing of the books each month and quarter. This involves reconciling accounts, managing accruals, and ensuring all financial data is consolidated correctly. Oversees the review of expenditures to ensure they are properly approved, documented, and recorded. Team Management: Leads a team of accounting professionals, providing guidance and support to ensure efficient operations within the accounting department. Internal Controls and Risk Management Designing and implementing robust internal controls. Identifies and mitigates financial risks by analyzing operations for weaknesses that could lead to losses. Budgeting and Financial Planning Leads the operating plan aspect of the annual budget. This process involves collaborating with department heads to operational revenues and expenses. Monitors and reports the budget performance throughout the year, analyzing variances between actual performance and budgeted figures. 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 $134,529-$212,600 annually

Job Description BASIC FUNCTION The Assistant Financial Center Manager provides exceptional customer service while attending to customers' needs. The AFCM creates and fosters a cohesive team and promotes a positive work environment while overseeing the Financial Center Service Reps who perform both routine financial transactions and/or customer service functions. May cover multiple branches within the region. Assists tellers with more complex tasks and schedules the work flow. Demonstrates sound judgment and accountability with operational standards. Provides leadership, conflict resolution, process improvement and communication to the Financial Center Service Reps. Responsible for performing audit functions, participates in daily branch opening and closing procedures and required to perform operational tasks, coaching and performance management. In the absence of, or assisting the Financial Center Manager, responsible for the overall branch management including but not limited to operations, sales management and productivity. MAJOR RESPONSIBILITIES Responsible for managing and executing the operations of the teller line Is the second in charge in the branch and is the acting manager in the absence of the Financial Center Manager Ensures all FCSRs are proficient with operations and compliance as it relates to their job Daily/Weekly/Monthly scheduling and coordination of teller line workflow Operates a teller draw and/or fills in on the platform as needed Ensures all FCSR's and themselves actively & successfully participate in the internal sales process on a daily basis to meet all referral and sales expectations Assists the Financial Center Manager with the accurate completion of the branch monthly self-audit program Observes, coaches and develops FCSRs on an ongoing basis Recommends and implements the performance management process with FCSRs as needed Required to travel & work at other branches as needed Performs other duties as assigned SUPERVISORY RESPONSIBILITIES Supervises Financial Center Service Reps SKILLS Good 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 Strong relationship building skills Proven ability to build relationships through consultative conversations and to identify customer needs and translate those needs to sales opportunities Strong customer service/advocacy skills Good organizational and time management skills Good 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 or GED is required. Experience Minimum of 2-5 retail banking experience Supervisory experience preferred Salary Range: $50,501 -$78,105 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 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 JOB REQUIREMENTS Education: High school diploma or GED Experience: 6 months - 2 years in a retail sales/service environment preferred Salary Range: $33,591 - $49,863 Benefits Vacation Short Term Disability Life Insurance 401k Savings Plan Employee Assistance Program Free Employee Checking Account

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 Salary Range $43,941-$55,911 annually

BASIC FUNCTION Responsible for serving in the capacity of Deputy Department Head reporting to the Director of Loan Administration. To provide managerial oversight of daily operations of Loan Administration/Collections in a support role focusing on mastering Spencer's core loan system, developing efficiencies through automation and ensuring a high level of customer service and employee oversight. MAJOR RESPONSIBILITIES The primary individual responsibilities of the position include, but are not limited to): Responsible for providing support to the Director of Loan Administration as to managing the day-to-day functions and activities of the Loan Administration staff. Responsible for Spencer's core loan system and creating new processing efficiencies and automation. Responsible for to ensuring the loan portfolio is administered in accordance with bank regulations and the bank's policies and procedures. Responsible for managing and evaluating the Loan Administration employees. Provides customer support as it may relate to inquiries, investor monitoring, account maintenance and portfolio review. Responsible for preparing administrative reports as well as reconciliations as necessary. Review the daily posting/transactional activity to the servicing system including new loan setups, loan payments, payoffs, and general system maintenance in accordance with servicing contracts, agreements and state/federal regulations. Ensure that adjustable-rate mortgage loans are adjusted in accordance loan documents. Monitor post-closing activities and customer adherence to pertinent loan documents and agreements. Maintain communication with AVP of Collections in order to ensure that collection activities limit risk and maximize recoveries. Responsible for communicating with external vendors towards resolving outstanding servicing issues. Ability to interact with other Lending areas regarding operational functions. Performs other related duties as assigned ore requested. JOB REQUIREMENTS: Education: College Graduate or equivalent related business experience. Experience: Minimum of 3 years' experience as a manager in a servicing environment Excellent written/verbal communication skills. Strong customer service skills required. Proficiency with various software programs, including Word and Excel spreadsheet applications. 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

BASIC FUNCTION Responsible for preparing annual review memos for existing borrowers tied to the commercial lending loans portfolios. The Portfolio Manager will be assigned a portfolio of C&I facilities to manage MAJOR RESPONSIBILITIES Assume account management responsibility for any C&I loan as described above under Basic Function. Provide ongoing credit oversight and portfolio management of the 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. Analyze income producing properties and/or business financial statements/ tax return and identify financial ratios and trends. Ensure annual review and covenant compliance are completed. Consult with the Senior Portfolio Manager regarding their financial performance trends and pro-actively anticipate and manage deteriorating credits. Work with the Senior Portfolio Manager in in all matters related to the management of troubled C&I assets. Negotiate and recommend for approval, financial covenant waivers and loan modifications. 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. Assist with site visits/ property inspections as needed. Order appraisals, flood searches, and credit reports. Assist SVP Lending Division with monthly reporting as required. JOB REQUIREMENTS Education: College Degree Experience: Minimum of 2+ years related work experience (Lending, collections, bankruptcy, and foreclosure). Formal credit training required. Excellent written/verbal communication skills required. Ability to work independently and meet specified deadlines. Assertive, self-directed personality type. Working knowledge of word processing and spreadsheet software 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 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

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 $43,941-$55,911 annually

BASIC FUNCTION The Assistant Financial Center Manager provides exceptional customer service while attending to customers' needs. The AFCM creates and fosters a cohesive team and promotes a positive work environment while overseeing the Financial Center Service Reps who perform both routine financial transactions and/or customer service functions. May cover multiple branches within the region. Assists tellers with more complex tasks and schedules the work flow. Demonstrates sound judgment and accountability with operational standards. Provides leadership, conflict resolution, process improvement and communication to the Financial Center Service Reps. Responsible for performing audit functions, participates in daily branch opening and closing procedures and required to perform operational tasks, coaching and performance management. In the absence of, or assisting the Financial Center Manager, responsible for the overall branch management including but not limited to operations, sales management and productivity. MAJOR RESPONSIBILITIES Responsible for managing and executing the operations of the teller line Is the second in charge in the branch and is the acting manager in the absence of the Financial Center Manager Ensures all FCSRs are proficient with operations and compliance as it relates to their job Daily/Weekly/Monthly scheduling and coordination of teller line workflow Operates a teller draw and/or fills in on the platform as needed Ensures all FCSR's and themselves actively & successfully participate in the internal sales process on a daily basis to meet all referral and sales expectations Assists the Financial Center Manager with the accurate completion of the branch monthly self-audit program Observes, coaches and develops FCSRs on an ongoing basis Recommends and implements the performance management process with FCSRs as needed Required to travel & work at other branches as needed Performs other duties as assigned SUPERVISORY RESPONSIBILITIES Supervises Financial Center Service Reps SKILLS Good 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 Strong relationship building skills Proven ability to build relationships through consultative conversations and to identify customer needs and translate those needs to sales opportunities Strong customer service/advocacy skills Good organizational and time management skills Good 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 or GED is required. Experience Minimum of 2-5 retail banking experience Supervisory experience preferred Salary Range: $50,501 -$78,105 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 Financial Center Service Representative (FCSR) 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 JOB REQUIREMENTS Education: High school diploma or GED Experience: 6 months - 2 years in a retail sales/service environment 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