The Harbor Bank of Maryland jobs in Baltimore, MD - 24 jobs

Job Title: Customer Service Representative/Teller Reports To: Branch Manager Department: Branch Administration Type/Status: Full-Time/Non-Exempt The Customer Service Representative/Teller plays a pivotal role in driving our mission at The Harbor Bank of Maryland. This position is responsible for delivering exceptional service, supporting team development, and ensuring operational excellence. Under general supervision, but in compliance with established policies and procedures, performs a broad variety of customer services such as opening new checking, savings, and certificate accounts; handling savings bonds transactions, and answering questions concerning services provided by the bank from customers and branch staff. Sets up tele-transfer, direct deposit, cross-sells services, performs a variety of account maintenance, opens IRA retirement accounts, and type letters and correspondence. Over sees and adheres to requirements pertaining to branch security, fraud prevention and BSA. Key Responsibilities: Opens new accounts, explaining options such as single and joint ownership, revocable trust accounts, and various savings and certificate and checking account programs available, gathering needed information from the customer, transferring funds from existing accounts, and /or preparing sight drafts to obtain funds from other sources. Prepares all paperwork and assists the customer in the signing of documents necessary to process new accounts. Receives initial deposit and ensures that all new accounts are properly processed. Actively cross-sells the bank's services in a professional manner. Performs collection forms for maturing saving bonds, counsels' customers on the merits of the various investment options, and processes changes of ownership and exchanges of savings bonds. Complete all arrangements and documents for such services as charge savings, tele-transfer, and direct deposit. Returns drafts or foreign checks through channels to the originating source for collection. Answer questions and solve problems for customers and branch staff concerning all services provided by the bank by listening to problems, collecting data, securing answers, and reporting results to the inquiring party. Open IRA retirement accounts, including acquainting the customer with various legal requirements, gathering necessary information, and preparing the documents. Processes all retirement accounts and direct deposit forms, checking for accuracy before forwarding to the appropriate area. Conducts sales and referral communications, promoting bank services to customers. Supervise the Teller line and operate vault in the absence of the Team Lead or Head Teller. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities Required: The interpersonal skills necessary to relate to and empathize with other people and to maintain a friendly, cheerful, and courteous demeanor throughout the day. Thorough knowledge of an on-line teller terminal and other standard office equipment. Qualifications: Required: A High School Diploma or GED equivalent is required One to two years of job-related experience, including at least six months teller experience. Preferred: Previous experience in regulated or high-volume environments. All other duties as assigned EOE MV

Job Title: Loan Operations Administrator (Part-Time) Location: Baltimore, MD Reports To: Loan Servicing Manager, VP Department: Credit Administration Type/Status: Part-Time / Non-Exempt (Salaried Hourly) The Loan Operations Administrator plays a pivotal role in driving our mission at The Harbor Bank of Maryland. This position is responsible for delivering exceptional service, supporting team development, and ensuring operational excellence. The loan operations administrator is responsible for performing a variety of duties related to loan processing and servicing of commercial, residential mortgage, and retail loans and escrow accounts, boarding all new loans onto the core system and maintenance of existing loans, customer billing and set-up and maintenance of loan ticklers. Key Responsibilities: Review daily system generated maintenance reports to validate the accuracy of the loan system records (including interest rate adjustments on adjustable-rate loans) and ensure related general ledger accounts are properly maintained. Perform daily and monthly settlement and reconciliation of all loan related general ledger and checking accounts used for loan processing and escrows. Read and interpret loan documents to validate the accuracy of loan booking packages and loan maintenance requests prior to boarding new loans onto core system and performing maintenance on existing loans. Perform loan maintenance as necessary for renewal, extension and/or modification of existing loans and maintain the accuracy of the loan data in the core system. Process loan payments, loan advances, loan payoffs and other transactions for all loans (active loans, charge-offs and non-accruals) in the core system including participation remittances, general ledger transactions, deferred fees, adjustments, fee processing and other changes. Process escrow transactions, including the setup, review, analysis and disbursement of funds for all escrow accounts regarding taxes, insurance, ground rents, etc.; process and complete escrow account maintenance in core system. Research and resolve routine inquiries from customers (internal and external) regarding loan balances, payments, escrow disbursements, etc. and process written requests for loan payoffs and account verifications in accordance with applicable laws, regulations and Bank policies. Provide support for audits and compliance reviews by gathering data electronically, pulling loan files for scanning, if required. Communicate with various insurance agencies to obtain renewals of existing insurance policies and initiate forced place insurance with the bank's blanket insurance coverage, for any canceled policy. Scanning of work process for upload into core system once transition has been completed and general filing of documents to be maintained in the loan operations department. Process loan transactions for affiliate organizations as required. Ensuring not to harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities: High level of interpersonal skills necessary to represent the bank positively in dealing with internal and external customers. Well organized and attentive to detail with a high degree of accuracy. Able to assist and coordinate activities with others. Ability to work in a fast-paced environment and prioritize tasks consistently throughout each day, with minimum direct supervision and good deal of autonomy. Strong analytical skills necessary to understand various types of loan and general ledger transactions. Experience with software applications including MS Office and ability to use PC, various software tools and other basic business equipment essential job functions. Qualifications: Required: High school diploma or equivalent. Strong knowledge of State and Federal regulatory requirements and general banking compliance requirements pertaining to servicing and monitoring of commercial, real estate and consumer loans and escrow processing. Preferred: Associate's degree 3-5 years of experience Formal education through 2 years of college is preferred with a minimum of 3-5 years of banking experience or appropriate work experience, including professional training and certifications, as an acceptable alternative. Knowledge of loan processes, operations, and basic loan accounting is preferred. All other duties as assigned

Job Title: AVP/Banking Operations Lead Location: Baltimore, MD Reports To: VP, Operations Manager Department: Banking Operations Type/Status Full-Time/Exempt With guidance from the VP/Banking Operations Manager, The Banking Operations Lead is responsible for supporting the management of the Operations team. This position will drive strategic initiatives and internal improvements; including monitoring of systems, developing, and implementing enhancements that improve the overall efficiency of HBM banking operations. Key Responsibilities Responsible for the Bank's electronic and cash management-based products and services, including their development, deployment, and ongoing maintenance in partnership with the Banking Operations Manager. Partner with account and business development officers to support the sales and onboarding of electronic banking solutions and provide training to internal teams. Support the Operations Manager at oversee departmental operations, supervises staff, coordinates vendor relationships, and ensures regulatory compliance across all banking activities. Provide strategic leadership, technical expertise, and a strong focus on process improvement to drive innovation and operational excellence in the Bank's digital channels in partnership with the Banking Operations Manager. Support strategic and tactical oversight of daily operations for the department, including statement rendering, large-dollar verifications, bank-by-mail, wires, ACH, returned items, deposited item returns, cash settlements, ATM settlements, cash orders, and IRA processing. Monitor and analyze dormant accounts, ensuring compliance with escheatment laws and internal procedures. Research and respond to subpoenas, legal requests, and customer inquiries in a professional and timely manner. Manage the processing of returned mail and oversee skip tracing functions; ensure accurate documentation and secure storage of deposit records in accordance with the Bank's record retention policies. Maintain strong knowledge of key operational systems and their direct and indirect impact on the Bank's operations. Assess, design, and implement workflow and system enhancements to improve operational efficiency and identify gaps across Electronic, Deposit and Loan Operations in partnership with the Banking Operations Manager. Participate in and oversee product development initiatives from an operational perspective, including integration with other departments and ensuring alignment with operational capabilities. Coordinate and prepare documentation for Federal and State examinations and external audits; ensure compliance with applicable laws and regulations. Serve as an active member of the IT Committee and other organizational committees as required, providing subject matter expertise on operational initiatives and technology integration. Comply with all federal and state regulations impacting banking operations and complete all mandatory risk and compliance training. Skills and Abilities In-depth knowledge of funds transfer services, ACH, wire transfers, and operating rules ( Strong understanding of federal and state banking regulations applicable to operations, including BSA/AML, OFAC, and escheatment laws. Excellent leadership and team management skills with the ability to inspire, mentor, and develop staff. Superior analytical, problem-solving, and decision-making abilities. Proficiency in core banking systems, electronic banking platforms, and Microsoft Office Suite (Excel, Word, Outlook, PowerPoint). Exceptional time management skills and the ability to manage multiple priorities under tight deadlines. Strong written and verbal communication skills; ability to present complex operational concepts clearly to technical and non-technical audiences. High level of integrity, professionalism, and sound judgment in handling sensitive and confidential information. Demonstrated ability to work collaboratively across departments and influence stakeholders at all levels. Qualifications Required: Bachelor's degree in Business Administration, Finance, or a related field, or equivalent combination of education and professional experience. Minimum of 3 years of progressive experience in banking operations with a focus on deposit and electronic-based financial services. Minimum of 3 years in a leadership or supervisory role within a financial institution. Preferred: Experience with community or regional banking environments. Prior involvement in system conversions, technology upgrades, or process reengineering initiatives. Certifications such as Accredited ACH Professional (AAP), Certified Treasury Professional (CTP), or Certified Anti-Money Laundering Specialist (CAMS).

Job Title: BSA AML Analyst Location: Baltimore, MD Reports To: GVP/BSA Compliance OfficerDepartment: Compliance & BSA Type/Status: Full-Time/Exempt The BSA AML Analyst is responsible for assisting with the coordinating and monitoring day-to-day Anti-Money Laundering / Countering the Financing of Terrorism (AML/CFT) & OFAC compliance and is charged with assisting with all aspects of the implementation of the BSA/AML compliance program. This includes the Bank's adherence to the BSA and related regulations, (i.e., Bank Secrecy Act (BSA), US PATRIOT Act, OFAC and/or UIGEA). Key Responsibilities: Assist with maintaining the bank's AML/CFT Program including policies, procedures, processes, and internal controls by ensuring any additions or changes to the BSA/AML laws or regulations are reflected in policies and procedures, approved by the Board of Directors, as appropriate, and are implemented. Responsible for assisting the Sr. BSA Analysist with conducting certain day to day AML/CFT activities, including conducting monitoring to detect, investigate, and report suspicious activity and file Currency Transaction Reports (CTRs), conduct OFAC searches, 314a searches, CDD/EDD Reviews of high-risk customers. File currency transaction exemptions on appropriate listed and non-listed businesses and ensure these exemptions are re-examined and recertified, as required. Review and, as required, recommend updates to the software programs the bank utilizes to perform its AML/CFT functions. Ensure that the confidentiality of Suspicious Activity Reporting (SAR) reporting is maintained, that supporting documentation for SAR filings is only released as appropriate. Assist in the Development, document, and implement a bank wide BSA training program for new hires and employees, to include job specific training for business lines, and continuing education requirements for department staff. Assist quality control and/or quality assurance reviews across all business lines to ensure the bank's compliance with BSA policies and procedures and regulatory requirements. Remain current on industry best practices related to AML/CFT & OFAC by attending appropriate external training based on the risk of the bank and to stay current with BSA/AML trends and emerging risks to satisfy continuing education requirements. Assist with the information sharing processes with FinCEN and other banks as applicable Assist the Compliance department with coordinating internal audits for adherence to AML/CFT regulations and laws. Assist with any recommendations or corrective actions made to address deficiencies noted in any audits or examinations are addressed and implemented in a timely manner. Be available to employees to address questions regarding AML/CFT regulations and the bank's own policy and procedures. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities: Proficient with Verafin BSA/AML transaction monitoring software preferred, and computer software applications, including CLEAR, and Microsoft Office Suite. Duties and responsibilities require the ability to read, write, and understand oral and written instructions and complex regulations. Requires the ability to effectively communicate with internal and external leaders, customers, and employees respectfully to solve day-to-day problems involving different scenarios in routine and complex situations. Requires knowledge of regulatory expectations, and industry best practices for AML/CFT work output including familiarity with open-source research and investigative techniques. Well-developed communication skills to effectively work well with colleagues, and stakeholders. AML/CFT Compliance Manager will need to communicate key regulatory changes and updates. Possessing strong analytical skills, paying careful and particular attention to detail, and having an investigative mindset. Possess a positive attitude, and a winning mindset. Qualifications: Required: Education: Associates degree in Business Administration, finance or relevant field Experience: Minimum of 1-2 years of direct BSA/AML/OFAC compliance experience within a financial institution. In-depth understanding of BSA/AML, OFAC, USA PATRIOT Act, and related laws and regulations. Proven experience conducting investigations, analyzing transactions, and preparing SARs/CTRs. Familiarity with transaction monitoring systems, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) processes. Preferred: Experience in a regulated, high-volume banking environment with exposure to FinCEN, FFIEC, and other regulatory agency expectations. Proficiency in using AML software systems such as Verafin or similar platforms. All other duties as assigned EOE DV

Job Description Job Title: BO/Area Relationship Manager Reports To: GVP/Retail Branch Strategy & Performance Officer Department: Branch Administration Type/Status: Full-Time/ Exempt As an integral part of The Harbor Bank of Maryland's mission, the BO/Associate Area Relationship Banker is responsible for driving business growth and deepening client relationships within an assigned market area. This role combines consultative sales expertise with community engagement to expand the Bank's footprint and deliver tailored financial solutions. The Relationship Banker proactively identifies, acquires, and cultivates customer relationships by presenting a full range of bank products and services including deposit accounts, consumer lending, mortgage referrals, commercial banking solutions, and investment opportunities. The position requires a high level of professional maturity, strategic outreach capabilities, and the ability to develop Centers of Influence (COIs) while serving as an ambassador for the Bank within the community. Key Responsibilities: Business Development & Sales Strategy Proactively call on existing and potential clients to develop, grow, and retain relationships by recommending appropriate financial solutions. Develop and execute an individualized business development plan for acquiring new customers in target markets and industries. Identify customer needs and provide cross-sell referrals to mortgage, commercial lending, and wealth management teams. Actively pursue sales and revenue goals for deposits, loans, and ancillary services by conducting pipeline reviews and maintaining robust follow-up practices. Community Engagement & Branding Represent the Bank in the community by participating in civic organizations, chambers of commerce, and networking groups. Serve as an active participant in local events, committees, and boards to expand the Bank's network and strengthen its community presence. Promote the Bank's mission and act as a brand ambassador to build trust and visibility in assigned territories. Relationship Management Conduct thorough needs assessments with customers to deliver tailored financial solutions and strengthen long-term loyalty. Follow up on all new account, loan, and referral opportunities to ensure an exceptional customer experience. Develop Centers of Influence (COIs) and leverage relationships to generate referrals. Operational Excellence Maintain knowledge of current banking policies, procedures, and regulatory requirements. Stay abreast of new bank products, services, and technology to ensure clients are informed of all available options. Support branch operations by assisting with account opening, loan processing, and ensuring compliance with all security and BSA requirements. Other Duties Maintain flexibility to work evenings, weekends, and travel regularly across branches and corporate locations as needed. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities Required: Sales Strategy and Business Development: Demonstrated ability to develop and implement sales strategies, customer acquisition plans, and business development initiatives aimed at driving branch success and growth. Community and Customer Engagement: Proven ability to engage with the community and local businesses to enhance brand visibility and foster long-term customer relationships. Branch Operations Management: Thorough knowledge of branch banking operations and the ability to coordinate daily functions, address customer issues, and maintain a high level of operational efficiency. Product and Service Knowledge: Familiarity with the Bank's products and services, including savings, checking, and loan offerings. Ability to explain these products to customers and develop solutions that meet their needs. Compliance and Risk Management: Knowledge of federal and state banking regulations and the ability to ensure the branch meets all compliance obligations, including fraud prevention and BSA requirements. Leadership and Interpersonal Skills: Strong leadership abilities to manage staff performance and promote a culture of accountability and excellence. Excellent interpersonal skills to develop business relationships and drive sales. Qualifications: Required: Associate's degree in Business Administration, Finance, Marketing, or a related field, or equivalent combination of education and experience. Minimum of 5 years of progressively responsible experience in retail or commercial banking, with a proven track record in business development, customer relationship management, and sales. Strong working knowledge of bank products and services, consumer lending, and cross-functional referral processes. Exceptional interpersonal, communication, and presentation skills with the ability to develop trust and rapport with diverse clientele. Proven ability to generate business through proactive outreach and develop meaningful relationships with clients and community leaders. Preferred: Bachelor's degree in Business Administration, Finance, or a related field. Prior experience in high-volume or commercial banking environments. Demonstrated success in leading community engagement initiatives and contributing to market growth strategies. All other duties as assigned

Job Title: VP/ Senior Systems and Cloud Engineer Reports To: GVP/Senior Technical Support Manager Department: IT/Operations Type/Status: Exempt The Senior Systems and Cloud Engineer will lead the design, implementation, and management of cloud-based solutions within Microsoft Azure and Microsoft 365 ecosystems. This role focuses on security, compliance, and operational excellence across platforms such as MS Purview, Microsoft Defender Suite, Exchange Online, and endpoint management via Intune and Windows Hello for Business. The ideal candidate will also possess strong networking knowledge, including experience with FortiGate firewalls, Meraki wireless, and Ubiquiti switches, and provide Tier 3 endpoint support. Banking industry experience and familiarity with systems like FIS or Fiserv is highly preferred. The Senior Cloud Engineer is also responsible for implementing security systems that ensure data is not compromised. This position will require some travel to all of the company's locations. Adheres to requirements pertaining to bank security, fraud prevention and BSA. Key Responsibilities Design, deploy, and manage Microsoft Azure and Microsoft 365 environments, including Exchange Online, Teams, SharePoint, and OneDrive. Implement and maintain security and compliance solutions such as MS Purview, Microsoft Defender for Endpoint, Identity, and Office 365. Configure and optimize Azure Active Directory, conditional access policies, and identity governance. Deploy and manage Microsoft Intune for device compliance, application deployment, and endpoint security. Implement Windows Hello for Business for secure authentication and identity protection. Provide Tier 3 support for complex endpoint and cloud-related issues. Collaborate on network security initiatives, including firewall configuration (FortiGate), wireless (Meraki), and switching (Ubiquiti). Develop and maintain documentation for cloud architecture, security policies, and operational procedures. Ensure compliance with banking regulations, risk management, and cybersecurity standards. Assist in integrating cloud solutions with on-premises systems and legacy banking applications. Monitor system performance, troubleshoot issues, and implement proactive improvements. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. All other duties as assigned. Skills and Abilities Deep expertise in Microsoft Azure, Microsoft 365 administration, and Intune endpoint management. Strong knowledge of cloud security frameworks, compliance tools, and data governance. Familiarity with Windows Hello for Business and modern authentication methods. Networking fundamentals and experience with networking technologies such as FortiGate, Meraki, and Ubiquiti. Ability to diagnose and resolve complex technical issues across cloud and endpoint environments. Proficiency in scripting and automation using PowerShell, Python, or similar languages. Excellent communication and documentation skills. Qualifications Required: Bachelor's Degree in Computer Science, Information Technology, or related field. 5+ years of experience in Systems/Cloud Engineering or Microsoft 365/Azure administration, with a focus on designing, implementing, and troubleshooting enterprise infrastructures. Hands-on experience with Microsoft Azure, 365, Purview, Defender Suite, Intune, and Exchange Online. Strong understanding of network security and firewall technologies. Preferred: Banking industry experience and familiarity with FIS, Fiserv, or similar systems. Certifications such as Microsoft Certified: Azure Solutions Architect Expert, Microsoft 365 Certified: Enterprise Administrator Expert, or Fortinet NSE. Experience integrating cloud and on-premises environments in regulated industries.

Job Title: VP/Commercial Lending Officer Location: Baltimore, MD Reports To: SEVP/Chief Banking Officer Department: Lending Type/Status Full-Time/Exempt The Commercial Lending Officer plays a pivotal role in driving our mission at The Harbor Bank of Maryland. This position is responsible for delivering exceptional service, supporting team development, and ensuring operational excellence. The Commercial Lending Officer will develop and manage commercial loan accounts that meet established lending requirements and provide maximum profitability to the Bank at minimum risk. They are responsible for establishing and maintaining relationships with customers and developing referral networks in an attempt to identify new commercial loan opportunities. Key Responsibilities: Interviews loan applicants, collects and analyze financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request. Underwrites loans, establishes, and negotiates where necessary, terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements. Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, and other means. Monitors loan repayment activities and take necessary action to collect from past-due accounts. Develop new business by contacting prospects and customers, cross-sells Bank services. Serves as a member of the loan committee, which makes preliminary evaluations of loan requests. Participates in community affairs to increase the Bank's visibility and to enhance new business opportunities. These include Chamber Events and other events. Undertakes special projects relating to departmental services as assigned by Senior Lender. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities: Possess the ability to effectively network and work with various businesses, civic, social organizations and centers of influence to contribute to attaining the ongoing goals of the Bank. A thorough knowledge of commercial lending criteria and the business objectives of the lending department. Displays a thorough knowledge of HBM's credit analysis and underwriting guidelines. Good interpersonal, verbal, written, and presentation skills to represent the Bank and effectively negotiate/present commercial lending deals to borrowers, and board/committee members. The flexibility to work irregular hours when inspecting and evaluating prospective deals. Completion of a formalized credit training program. Qualifications: Required: Bachelor's degree in Business Administration, Finance, Accounting, Economics, or a related field. 5-7 years of progressive experience in commercial lending, credit analysis, or portfolio management within a financial institution. Proven track record of structuring, negotiating, and closing commercial loans while adhering to regulatory requirements and internal credit policies. Experience in managing a commercial loan portfolio with a focus on asset quality and risk mitigation. Preferred: 7-10 years of commercial lending experience, with a demonstrated ability to grow and manage a high-performing portfolio of commercial clients. Prior experience leading large and/or complex commercial transactions, including CRE (Commercial Real Estate) and C&I (Commercial & Industrial) loan types. Background in developing business development strategies and managing relationships with high-net-worth individuals, business owners, and key community leaders. All other duties as assigned

Job Description Job Title: BSA AML Analyst Reports To: GVP/BSA Compliance Officer Department: Compliance & BSA Type/Status: Full-Time/Exempt The BSA AML Analyst is responsible for assisting with the coordinating and monitoring day-to-day Anti-Money Laundering / Countering the Financing of Terrorism (AML/CFT) & OFAC compliance and is charged with assisting with all aspects of the implementation of the BSA/AML compliance program. This includes the Bank's adherence to the BSA and related regulations, (i.e., Bank Secrecy Act (BSA), US PATRIOT Act, OFAC and/or UIGEA). Key Responsibilities: Assist with maintaining the bank's AML/CFT Program including policies, procedures, processes, and internal controls by ensuring any additions or changes to the BSA/AML laws or regulations are reflected in policies and procedures, approved by the Board of Directors, as appropriate, and are implemented. Responsible for assisting the Sr. BSA Analysist with conducting certain day to day AML/CFT activities, including conducting monitoring to detect, investigate, and report suspicious activity and file Currency Transaction Reports (CTRs), conduct OFAC searches, 314a searches, CDD/EDD Reviews of high-risk customers. File currency transaction exemptions on appropriate listed and non-listed businesses and ensure these exemptions are re-examined and recertified, as required. Review and, as required, recommend updates to the software programs the bank utilizes to perform its AML/CFT functions. Ensure that the confidentiality of Suspicious Activity Reporting (SAR) reporting is maintained, that supporting documentation for SAR filings is only released as appropriate. Assist in the Development, document, and implement a bank wide BSA training program for new hires and employees, to include job specific training for business lines, and continuing education requirements for department staff. Assist quality control and/or quality assurance reviews across all business lines to ensure the bank's compliance with BSA policies and procedures and regulatory requirements. Remain current on industry best practices related to AML/CFT & OFAC by attending appropriate external training based on the risk of the bank and to stay current with BSA/AML trends and emerging risks to satisfy continuing education requirements. Assist with the information sharing processes with FinCEN and other banks as applicable Assist the Compliance department with coordinating internal audits for adherence to AML/CFT regulations and laws. Assist with any recommendations or corrective actions made to address deficiencies noted in any audits or examinations are addressed and implemented in a timely manner. Be available to employees to address questions regarding AML/CFT regulations and the bank's own policy and procedures. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities: Proficient with Verafin BSA/AML transaction monitoring software preferred, and computer software applications, including CLEAR, and Microsoft Office Suite. Duties and responsibilities require the ability to read, write, and understand oral and written instructions and complex regulations. Requires the ability to effectively communicate with internal and external leaders, customers, and employees respectfully to solve day-to-day problems involving different scenarios in routine and complex situations. Requires knowledge of regulatory expectations, and industry best practices for AML/CFT work output including familiarity with open-source research and investigative techniques. Well-developed communication skills to effectively work well with colleagues, and stakeholders. AML/CFT Compliance Manager will need to communicate key regulatory changes and updates. Possessing strong analytical skills, paying careful and particular attention to detail, and having an investigative mindset. Possess a positive attitude, and a winning mindset. Qualifications: Required: Education: Associates degree in Business Administration, finance or relevant field Experience: Minimum of 1-2 years of direct BSA/AML/OFAC compliance experience within a financial institution. In-depth understanding of BSA/AML, OFAC, USA PATRIOT Act, and related laws and regulations. Proven experience conducting investigations, analyzing transactions, and preparing SARs/CTRs. Familiarity with transaction monitoring systems, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) processes. Preferred: Experience in a regulated, high-volume banking environment with exposure to FinCEN, FFIEC, and other regulatory agency expectations. Proficiency in using AML software systems such as Verafin or similar platforms. All other duties as assigned EOE DV

Job Description Job Title: Loan Operations Administrator (Part-Time) Reports To: Loan Servicing Manager, VP Department: Credit Administration Type/Status: Part-Time / Non-Exempt (Salaried Hourly) The Loan Operations Administrator plays a pivotal role in driving our mission at The Harbor Bank of Maryland. This position is responsible for delivering exceptional service, supporting team development, and ensuring operational excellence. The loan operations administrator is responsible for performing a variety of duties related to loan processing and servicing of commercial, residential mortgage, and retail loans and escrow accounts, boarding all new loans onto the core system and maintenance of existing loans, customer billing and set-up and maintenance of loan ticklers. Key Responsibilities: Review daily system generated maintenance reports to validate the accuracy of the loan system records (including interest rate adjustments on adjustable-rate loans) and ensure related general ledger accounts are properly maintained. Perform daily and monthly settlement and reconciliation of all loan related general ledger and checking accounts used for loan processing and escrows. Read and interpret loan documents to validate the accuracy of loan booking packages and loan maintenance requests prior to boarding new loans onto core system and performing maintenance on existing loans. Perform loan maintenance as necessary for renewal, extension and/or modification of existing loans and maintain the accuracy of the loan data in the core system. Process loan payments, loan advances, loan payoffs and other transactions for all loans (active loans, charge-offs and non-accruals) in the core system including participation remittances, general ledger transactions, deferred fees, adjustments, fee processing and other changes. Process escrow transactions, including the setup, review, analysis and disbursement of funds for all escrow accounts regarding taxes, insurance, ground rents, etc.; process and complete escrow account maintenance in core system. Research and resolve routine inquiries from customers (internal and external) regarding loan balances, payments, escrow disbursements, etc. and process written requests for loan payoffs and account verifications in accordance with applicable laws, regulations and Bank policies. Provide support for audits and compliance reviews by gathering data electronically, pulling loan files for scanning, if required. Communicate with various insurance agencies to obtain renewals of existing insurance policies and initiate forced place insurance with the bank's blanket insurance coverage, for any canceled policy. Scanning of work process for upload into core system once transition has been completed and general filing of documents to be maintained in the loan operations department. Process loan transactions for affiliate organizations as required. Ensuring not to harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities: High level of interpersonal skills necessary to represent the bank positively in dealing with internal and external customers. Well organized and attentive to detail with a high degree of accuracy. Able to assist and coordinate activities with others. Ability to work in a fast-paced environment and prioritize tasks consistently throughout each day, with minimum direct supervision and good deal of autonomy. Strong analytical skills necessary to understand various types of loan and general ledger transactions. Experience with software applications including MS Office and ability to use PC, various software tools and other basic business equipment essential job functions. Qualifications: Required: High school diploma or equivalent. Strong knowledge of State and Federal regulatory requirements and general banking compliance requirements pertaining to servicing and monitoring of commercial, real estate and consumer loans and escrow processing. Preferred: Associate's degree 3-5 years of experience Formal education through 2 years of college is preferred with a minimum of 3-5 years of banking experience or appropriate work experience, including professional training and certifications, as an acceptable alternative. Knowledge of loan processes, operations, and basic loan accounting is preferred. All other duties as assigned

Job Title: Branch Manager Location: Baltimore, MD Reports To: GVP/Retail Strategy & Operations Officer Department: Branch Administration Type/Status: Full-Time/ Exempt The Branch Manager is responsible for the efficient and effective management of a full-service branch office, ensuring that established policies and procedures are followed. The role has evolved involves being operational leader with significant responsibilities in business development, sales strategy, and community engagement. The Branch Manager will drive branch success through customer acquisition strategies, business development efforts, and enhancing the bank's visibility in the community. They will also represent the Bank at civic functions, build community branding, and develop strategies to strengthen the Bank's presence in the local market. Key Responsibilities: Leadership and Team Management: Trains, schedules, and assigns work to branch staff, establishes performance goals, reviews job performance, and makes recommendations regarding hiring, discipline, and salary decisions. Conducts regular meetings to keep staff informed, resolve problems, and align team efforts with branch objectives. Branch Operations Oversight: Ensures the branch is open and operational each business day. Delegates operational duties to the assistant branch manager or head teller but assumes overall administrative responsibility for branch operations. Sales and Business Development: Actively drives business development through customer acquisition strategies, promoting the Bank's products and services to both new and existing clients. Develops and implements sales plans to meet branch targets, identifies growth opportunities, and makes regular calls to local businesses and prospective clients to generate new accounts Customer Acquisition and Retention: Develops and executes strategies aimed at attracting and retaining customers. Provides exceptional customer service, explains Bank products effectively, and ensures that the branch meets its service and sales goals. Oversees the quality of customer interactions and manages escalations as needed. Community Engagement and Branding: Engages in community development initiatives by representing the Bank at local events, civic organizations, and service club functions. Builds the Bank's brand in the community through active participation and collaboration with local businesses and stakeholders, enhancing the Bank's visibility and reputation. Business Development Strategy: Partners with senior leadership to align branch initiatives with broader Bank goals. Plays a key role in the execution of the Bank's strategic goals by actively seeking out business development opportunities within the community and developing relationships with key decision makers. Mortgage and Loan Services: Regularly reviews and processes applications for mortgages, consumer loans, and commercial loans, explaining different financing options. Preliminarily qualifies applicants and ensures that loan documentation is accurate and processed in a timely manner. Branch Financial and Operational Management: Oversees daily financial transactions, ensures the branch balances at the close of each business day, and helps resolve any issues with teller operations. Conducts 'surprise audits' as necessary and ensures the branch adheres to all compliance and regulatory requirements. Branch Maintenance and Security: Ensures the branch is properly maintained, walkways are safe, and all security measures are followed. Oversees the ATM operations, ensuring they are operational and balanced each day. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities Required: Sales Strategy and Business Development: Demonstrated ability to develop and implement sales strategies, customer acquisition plans, and business development initiatives aimed at driving branch success and growth. Community and Customer Engagement: Proven ability to engage with the community and local businesses to enhance brand visibility and foster long-term customer relationships. Branch Operations Management: Thorough knowledge of branch banking operations and the ability to coordinate daily functions, address customer issues, and maintain a high level of operational efficiency. Product and Service Knowledge: Familiarity with the Bank's products and services, including savings, checking, and loan offerings. Ability to explain these products to customers and develop solutions that meet their needs. Compliance and Risk Management: Knowledge of federal and state banking regulations and the ability to ensure the branch meets all compliance obligations, including fraud prevention and BSA requirements. Leadership and Interpersonal Skills: Strong leadership abilities to manage staff performance and promote a culture of accountability and excellence. Excellent interpersonal skills to develop business relationships and drive sales. Qualifications: Required: High School Diploma or GED equivalent is required. Must have completed relevant coursework or on-the-job training in retail banking operations, sales, and compliance. Minimum of 5 years of progressively responsible experience within a financial institution, including at least 2 years in a leadership or supervisory role managing teams in a branch banking environment. Demonstrated success in: Sales strategy development and execution. Business development and customer acquisition efforts. Branch operations oversight, including compliance and risk management. Proven ability to engage with the local community and build long-term business relationships. Preferred: Bachelor's degree in Business Administration, Finance, Banking, or a related discipline. Prior supervisory or management experience in a banking or financial services environment with a focus on sales and customer retention. Demonstrated success in meeting or exceeding branch sales goals and fostering a high-performance team culture. Prior experience managing a high-volume branch office with complex operations and a large customer base. Demonstrated success in leading community engagement initiatives to increase brand visibility and market share. Experience with small business banking, mortgage lending, or commercial lending Strong understanding of data-driven decision making, with experience analyzing branch performance metrics to inform strategy All other duties as assigned

Job Title: VP/ Senior Systems and Cloud Engineer Reports To: GVP/Senior Technical Support Manager Department: IT/Operations Type/Status: Exempt The Senior Systems and Cloud Engineer will lead the design, implementation, and management of cloud-based solutions within Microsoft Azure and Microsoft 365 ecosystems. This role focuses on security, compliance, and operational excellence across platforms such as MS Purview, Microsoft Defender Suite, Exchange Online, and endpoint management via Intune and Windows Hello for Business. The ideal candidate will also possess strong networking knowledge, including experience with FortiGate firewalls, Meraki wireless, and Ubiquiti switches, and provide Tier 3 endpoint support. Banking industry experience and familiarity with systems like FIS or Fiserv is highly preferred. The Senior Cloud Engineer is also responsible for implementing security systems that ensure data is not compromised. This position will require some travel to all of the company's locations. Adheres to requirements pertaining to bank security, fraud prevention and BSA. Key Responsibilities Design, deploy, and manage Microsoft Azure and Microsoft 365 environments, including Exchange Online, Teams, SharePoint, and OneDrive. Implement and maintain security and compliance solutions such as MS Purview, Microsoft Defender for Endpoint, Identity, and Office 365. Configure and optimize Azure Active Directory, conditional access policies, and identity governance. Deploy and manage Microsoft Intune for device compliance, application deployment, and endpoint security. Implement Windows Hello for Business for secure authentication and identity protection. Provide Tier 3 support for complex endpoint and cloud-related issues. Collaborate on network security initiatives, including firewall configuration (FortiGate), wireless (Meraki), and switching (Ubiquiti). Develop and maintain documentation for cloud architecture, security policies, and operational procedures. Ensure compliance with banking regulations, risk management, and cybersecurity standards. Assist in integrating cloud solutions with on-premises systems and legacy banking applications. Monitor system performance, troubleshoot issues, and implement proactive improvements. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. All other duties as assigned. Skills and Abilities Deep expertise in Microsoft Azure, Microsoft 365 administration, and Intune endpoint management. Strong knowledge of cloud security frameworks, compliance tools, and data governance. Familiarity with Windows Hello for Business and modern authentication methods. Networking fundamentals and experience with networking technologies such as FortiGate, Meraki, and Ubiquiti. Ability to diagnose and resolve complex technical issues across cloud and endpoint environments. Proficiency in scripting and automation using PowerShell, Python, or similar languages. Excellent communication and documentation skills. Qualifications Required: Bachelor's Degree in Computer Science, Information Technology, or related field. 5+ years of experience in Systems/Cloud Engineering or Microsoft 365/Azure administration, with a focus on designing, implementing, and troubleshooting enterprise infrastructures. Hands-on experience with Microsoft Azure, 365, Purview, Defender Suite, Intune, and Exchange Online. Strong understanding of network security and firewall technologies. Preferred: Banking industry experience and familiarity with FIS, Fiserv, or similar systems. Certifications such as Microsoft Certified: Azure Solutions Architect Expert, Microsoft 365 Certified: Enterprise Administrator Expert, or Fortinet NSE. Experience integrating cloud and on-premises environments in regulated industries.

Job Title: BO/Area Relationship Manager Reports To: GVP/Retail Branch Strategy & Performance Officer Department: Branch Administration Type/Status: Full-Time/ Exempt As an integral part of The Harbor Bank of Maryland's mission, the BO/Associate Area Relationship Banker is responsible for driving business growth and deepening client relationships within an assigned market area. This role combines consultative sales expertise with community engagement to expand the Bank's footprint and deliver tailored financial solutions. The Relationship Banker proactively identifies, acquires, and cultivates customer relationships by presenting a full range of bank products and services including deposit accounts, consumer lending, mortgage referrals, commercial banking solutions, and investment opportunities. The position requires a high level of professional maturity, strategic outreach capabilities, and the ability to develop Centers of Influence (COIs) while serving as an ambassador for the Bank within the community. Key Responsibilities: Business Development & Sales Strategy Proactively call on existing and potential clients to develop, grow, and retain relationships by recommending appropriate financial solutions. Develop and execute an individualized business development plan for acquiring new customers in target markets and industries. Identify customer needs and provide cross-sell referrals to mortgage, commercial lending, and wealth management teams. Actively pursue sales and revenue goals for deposits, loans, and ancillary services by conducting pipeline reviews and maintaining robust follow-up practices. Community Engagement & Branding Represent the Bank in the community by participating in civic organizations, chambers of commerce, and networking groups. Serve as an active participant in local events, committees, and boards to expand the Bank's network and strengthen its community presence. Promote the Bank's mission and act as a brand ambassador to build trust and visibility in assigned territories. Relationship Management Conduct thorough needs assessments with customers to deliver tailored financial solutions and strengthen long-term loyalty. Follow up on all new account, loan, and referral opportunities to ensure an exceptional customer experience. Develop Centers of Influence (COIs) and leverage relationships to generate referrals. Operational Excellence Maintain knowledge of current banking policies, procedures, and regulatory requirements. Stay abreast of new bank products, services, and technology to ensure clients are informed of all available options. Support branch operations by assisting with account opening, loan processing, and ensuring compliance with all security and BSA requirements. Other Duties Maintain flexibility to work evenings, weekends, and travel regularly across branches and corporate locations as needed. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities Required: Sales Strategy and Business Development: Demonstrated ability to develop and implement sales strategies, customer acquisition plans, and business development initiatives aimed at driving branch success and growth. Community and Customer Engagement: Proven ability to engage with the community and local businesses to enhance brand visibility and foster long-term customer relationships. Branch Operations Management: Thorough knowledge of branch banking operations and the ability to coordinate daily functions, address customer issues, and maintain a high level of operational efficiency. Product and Service Knowledge: Familiarity with the Bank's products and services, including savings, checking, and loan offerings. Ability to explain these products to customers and develop solutions that meet their needs. Compliance and Risk Management: Knowledge of federal and state banking regulations and the ability to ensure the branch meets all compliance obligations, including fraud prevention and BSA requirements. Leadership and Interpersonal Skills: Strong leadership abilities to manage staff performance and promote a culture of accountability and excellence. Excellent interpersonal skills to develop business relationships and drive sales. Qualifications: Required: Associate's degree in Business Administration, Finance, Marketing, or a related field, or equivalent combination of education and experience. Minimum of 5 years of progressively responsible experience in retail or commercial banking, with a proven track record in business development, customer relationship management, and sales. Strong working knowledge of bank products and services, consumer lending, and cross-functional referral processes. Exceptional interpersonal, communication, and presentation skills with the ability to develop trust and rapport with diverse clientele. Proven ability to generate business through proactive outreach and develop meaningful relationships with clients and community leaders. Preferred: Bachelor's degree in Business Administration, Finance, or a related field. Prior experience in high-volume or commercial banking environments. Demonstrated success in leading community engagement initiatives and contributing to market growth strategies. All other duties as assigned

Job Description Job Title: Customer Service Representative/Teller Reports To: Branch Manager Department: Branch Administration Type/Status: Full-Time/Non-Exempt The Customer Service Representative/Teller plays a pivotal role in driving our mission at The Harbor Bank of Maryland. This position is responsible for delivering exceptional service, supporting team development, and ensuring operational excellence. Under general supervision, but in compliance with established policies and procedures, performs a broad variety of customer services such as opening new checking, savings, and certificate accounts; handling savings bonds transactions, and answering questions concerning services provided by the bank from customers and branch staff. Sets up tele-transfer, direct deposit, cross-sells services, performs a variety of account maintenance, opens IRA retirement accounts, and type letters and correspondence. Over sees and adheres to requirements pertaining to branch security, fraud prevention and BSA. Key Responsibilities: Opens new accounts, explaining options such as single and joint ownership, revocable trust accounts, and various savings and certificate and checking account programs available, gathering needed information from the customer, transferring funds from existing accounts, and /or preparing sight drafts to obtain funds from other sources. Prepares all paperwork and assists the customer in the signing of documents necessary to process new accounts. Receives initial deposit and ensures that all new accounts are properly processed. Actively cross-sells the bank's services in a professional manner. Performs collection forms for maturing saving bonds, counsels' customers on the merits of the various investment options, and processes changes of ownership and exchanges of savings bonds. Complete all arrangements and documents for such services as charge savings, tele-transfer, and direct deposit. Returns drafts or foreign checks through channels to the originating source for collection. Answer questions and solve problems for customers and branch staff concerning all services provided by the bank by listening to problems, collecting data, securing answers, and reporting results to the inquiring party. Open IRA retirement accounts, including acquainting the customer with various legal requirements, gathering necessary information, and preparing the documents. Processes all retirement accounts and direct deposit forms, checking for accuracy before forwarding to the appropriate area. Conducts sales and referral communications, promoting bank services to customers. Supervise the Teller line and operate vault in the absence of the Team Lead or Head Teller. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities Required: The interpersonal skills necessary to relate to and empathize with other people and to maintain a friendly, cheerful, and courteous demeanor throughout the day. Thorough knowledge of an on-line teller terminal and other standard office equipment. Qualifications: Required: A High School Diploma or GED equivalent is required One to two years of job-related experience, including at least six months teller experience. Preferred: Previous experience in regulated or high-volume environments. All other duties as assigned EOE MV

Job Title: BSA AML Analyst Reports To: GVP/BSA Compliance Officer Department: Compliance & BSA Type/Status: Full-Time/Exempt The BSA AML Analyst is responsible for assisting with the coordinating and monitoring day-to-day Anti-Money Laundering / Countering the Financing of Terrorism (AML/CFT) & OFAC compliance and is charged with assisting with all aspects of the implementation of the BSA/AML compliance program. This includes the Bank's adherence to the BSA and related regulations, (i.e., Bank Secrecy Act (BSA), US PATRIOT Act, OFAC and/or UIGEA). Key Responsibilities: Assist with maintaining the bank's AML/CFT Program including policies, procedures, processes, and internal controls by ensuring any additions or changes to the BSA/AML laws or regulations are reflected in policies and procedures, approved by the Board of Directors, as appropriate, and are implemented. Responsible for assisting the Sr. BSA Analysist with conducting certain day to day AML/CFT activities, including conducting monitoring to detect, investigate, and report suspicious activity and file Currency Transaction Reports (CTRs), conduct OFAC searches, 314a searches, CDD/EDD Reviews of high-risk customers. File currency transaction exemptions on appropriate listed and non-listed businesses and ensure these exemptions are re-examined and recertified, as required. Review and, as required, recommend updates to the software programs the bank utilizes to perform its AML/CFT functions. Ensure that the confidentiality of Suspicious Activity Reporting (SAR) reporting is maintained, that supporting documentation for SAR filings is only released as appropriate. Assist in the Development, document, and implement a bank wide BSA training program for new hires and employees, to include job specific training for business lines, and continuing education requirements for department staff. Assist quality control and/or quality assurance reviews across all business lines to ensure the bank's compliance with BSA policies and procedures and regulatory requirements. Remain current on industry best practices related to AML/CFT & OFAC by attending appropriate external training based on the risk of the bank and to stay current with BSA/AML trends and emerging risks to satisfy continuing education requirements. Assist with the information sharing processes with FinCEN and other banks as applicable Assist the Compliance department with coordinating internal audits for adherence to AML/CFT regulations and laws. Assist with any recommendations or corrective actions made to address deficiencies noted in any audits or examinations are addressed and implemented in a timely manner. Be available to employees to address questions regarding AML/CFT regulations and the bank's own policy and procedures. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities: Proficient with Verafin BSA/AML transaction monitoring software preferred, and computer software applications, including CLEAR, and Microsoft Office Suite. Duties and responsibilities require the ability to read, write, and understand oral and written instructions and complex regulations. Requires the ability to effectively communicate with internal and external leaders, customers, and employees respectfully to solve day-to-day problems involving different scenarios in routine and complex situations. Requires knowledge of regulatory expectations, and industry best practices for AML/CFT work output including familiarity with open-source research and investigative techniques. Well-developed communication skills to effectively work well with colleagues, and stakeholders. AML/CFT Compliance Manager will need to communicate key regulatory changes and updates. Possessing strong analytical skills, paying careful and particular attention to detail, and having an investigative mindset. Possess a positive attitude, and a winning mindset. Qualifications: Required: Education: Associates degree in Business Administration, finance or relevant field Experience: Minimum of 1-2 years of direct BSA/AML/OFAC compliance experience within a financial institution. In-depth understanding of BSA/AML, OFAC, USA PATRIOT Act, and related laws and regulations. Proven experience conducting investigations, analyzing transactions, and preparing SARs/CTRs. Familiarity with transaction monitoring systems, Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) processes. Preferred: Experience in a regulated, high-volume banking environment with exposure to FinCEN, FFIEC, and other regulatory agency expectations. Proficiency in using AML software systems such as Verafin or similar platforms. All other duties as assigned EOE DV

Job Description Job Title: AVP/Banking Operations Lead Reports To: VP, Operations Manager Department: Banking Operations Type/Status Full-Time/Exempt With guidance from the VP/Banking Operations Manager, The Banking Operations Lead is responsible for supporting the management of the Operations team. This position will drive strategic initiatives and internal improvements; including monitoring of systems, developing, and implementing enhancements that improve the overall efficiency of HBM banking operations. Key Responsibilities Responsible for the Bank's electronic and cash management-based products and services, including their development, deployment, and ongoing maintenance in partnership with the Banking Operations Manager. Partner with account and business development officers to support the sales and onboarding of electronic banking solutions and provide training to internal teams. Support the Operations Manager at oversee departmental operations, supervises staff, coordinates vendor relationships, and ensures regulatory compliance across all banking activities. Provide strategic leadership, technical expertise, and a strong focus on process improvement to drive innovation and operational excellence in the Bank's digital channels in partnership with the Banking Operations Manager. Support strategic and tactical oversight of daily operations for the department, including statement rendering, large-dollar verifications, bank-by-mail, wires, ACH, returned items, deposited item returns, cash settlements, ATM settlements, cash orders, and IRA processing. Monitor and analyze dormant accounts, ensuring compliance with escheatment laws and internal procedures. Research and respond to subpoenas, legal requests, and customer inquiries in a professional and timely manner. Manage the processing of returned mail and oversee skip tracing functions; ensure accurate documentation and secure storage of deposit records in accordance with the Bank's record retention policies. Maintain strong knowledge of key operational systems and their direct and indirect impact on the Bank's operations. Assess, design, and implement workflow and system enhancements to improve operational efficiency and identify gaps across Electronic, Deposit and Loan Operations in partnership with the Banking Operations Manager. Participate in and oversee product development initiatives from an operational perspective, including integration with other departments and ensuring alignment with operational capabilities. Coordinate and prepare documentation for Federal and State examinations and external audits; ensure compliance with applicable laws and regulations. Serve as an active member of the IT Committee and other organizational committees as required, providing subject matter expertise on operational initiatives and technology integration. Comply with all federal and state regulations impacting banking operations and complete all mandatory risk and compliance training. Skills and Abilities In-depth knowledge of funds transfer services, ACH, wire transfers, and operating rules ( Strong understanding of federal and state banking regulations applicable to operations, including BSA/AML, OFAC, and escheatment laws. Excellent leadership and team management skills with the ability to inspire, mentor, and develop staff. Superior analytical, problem-solving, and decision-making abilities. Proficiency in core banking systems, electronic banking platforms, and Microsoft Office Suite (Excel, Word, Outlook, PowerPoint). Exceptional time management skills and the ability to manage multiple priorities under tight deadlines. Strong written and verbal communication skills; ability to present complex operational concepts clearly to technical and non-technical audiences. High level of integrity, professionalism, and sound judgment in handling sensitive and confidential information. Demonstrated ability to work collaboratively across departments and influence stakeholders at all levels. Qualifications Required: Bachelor's degree in Business Administration, Finance, or a related field, or equivalent combination of education and professional experience. Minimum of 3 years of progressive experience in banking operations with a focus on deposit and electronic-based financial services. Minimum of 3 years in a leadership or supervisory role within a financial institution. Preferred: Experience with community or regional banking environments. Prior involvement in system conversions, technology upgrades, or process reengineering initiatives. Certifications such as Accredited ACH Professional (AAP), Certified Treasury Professional (CTP), or Certified Anti-Money Laundering Specialist (CAMS).

Job Title: Loan Operations Administrator (Part-Time) Reports To: Loan Servicing Manager, VP Department: Credit Administration Type/Status: Part-Time / Non-Exempt (Salaried Hourly) The Loan Operations Administrator plays a pivotal role in driving our mission at The Harbor Bank of Maryland. This position is responsible for delivering exceptional service, supporting team development, and ensuring operational excellence. The loan operations administrator is responsible for performing a variety of duties related to loan processing and servicing of commercial, residential mortgage, and retail loans and escrow accounts, boarding all new loans onto the core system and maintenance of existing loans, customer billing and set-up and maintenance of loan ticklers. Key Responsibilities: Review daily system generated maintenance reports to validate the accuracy of the loan system records (including interest rate adjustments on adjustable-rate loans) and ensure related general ledger accounts are properly maintained. Perform daily and monthly settlement and reconciliation of all loan related general ledger and checking accounts used for loan processing and escrows. Read and interpret loan documents to validate the accuracy of loan booking packages and loan maintenance requests prior to boarding new loans onto core system and performing maintenance on existing loans. Perform loan maintenance as necessary for renewal, extension and/or modification of existing loans and maintain the accuracy of the loan data in the core system. Process loan payments, loan advances, loan payoffs and other transactions for all loans (active loans, charge-offs and non-accruals) in the core system including participation remittances, general ledger transactions, deferred fees, adjustments, fee processing and other changes. Process escrow transactions, including the setup, review, analysis and disbursement of funds for all escrow accounts regarding taxes, insurance, ground rents, etc.; process and complete escrow account maintenance in core system. Research and resolve routine inquiries from customers (internal and external) regarding loan balances, payments, escrow disbursements, etc. and process written requests for loan payoffs and account verifications in accordance with applicable laws, regulations and Bank policies. Provide support for audits and compliance reviews by gathering data electronically, pulling loan files for scanning, if required. Communicate with various insurance agencies to obtain renewals of existing insurance policies and initiate forced place insurance with the bank's blanket insurance coverage, for any canceled policy. Scanning of work process for upload into core system once transition has been completed and general filing of documents to be maintained in the loan operations department. Process loan transactions for affiliate organizations as required. Ensuring not to harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities: High level of interpersonal skills necessary to represent the bank positively in dealing with internal and external customers. Well organized and attentive to detail with a high degree of accuracy. Able to assist and coordinate activities with others. Ability to work in a fast-paced environment and prioritize tasks consistently throughout each day, with minimum direct supervision and good deal of autonomy. Strong analytical skills necessary to understand various types of loan and general ledger transactions. Experience with software applications including MS Office and ability to use PC, various software tools and other basic business equipment essential job functions. Qualifications: Required: High school diploma or equivalent. Strong knowledge of State and Federal regulatory requirements and general banking compliance requirements pertaining to servicing and monitoring of commercial, real estate and consumer loans and escrow processing. Preferred: Associate's degree 3-5 years of experience Formal education through 2 years of college is preferred with a minimum of 3-5 years of banking experience or appropriate work experience, including professional training and certifications, as an acceptable alternative. Knowledge of loan processes, operations, and basic loan accounting is preferred. All other duties as assigned

Job Description Job Title: VP/ Senior Systems and Cloud Engineer Reports To: GVP/Senior Technical Support Manager Department: IT/Operations Type/Status: Exempt The Senior Systems and Cloud Engineer will lead the design, implementation, and management of cloud-based solutions within Microsoft Azure and Microsoft 365 ecosystems. This role focuses on security, compliance, and operational excellence across platforms such as MS Purview, Microsoft Defender Suite, Exchange Online, and endpoint management via Intune and Windows Hello for Business. The ideal candidate will also possess strong networking knowledge, including experience with FortiGate firewalls, Meraki wireless, and Ubiquiti switches, and provide Tier 3 endpoint support. Banking industry experience and familiarity with systems like FIS or Fiserv is highly preferred. The Senior Cloud Engineer is also responsible for implementing security systems that ensure data is not compromised. This position will require some travel to all of the company's locations. Adheres to requirements pertaining to bank security, fraud prevention and BSA. Key Responsibilities Design, deploy, and manage Microsoft Azure and Microsoft 365 environments, including Exchange Online, Teams, SharePoint, and OneDrive. Implement and maintain security and compliance solutions such as MS Purview, Microsoft Defender for Endpoint, Identity, and Office 365. Configure and optimize Azure Active Directory, conditional access policies, and identity governance. Deploy and manage Microsoft Intune for device compliance, application deployment, and endpoint security. Implement Windows Hello for Business for secure authentication and identity protection. Provide Tier 3 support for complex endpoint and cloud-related issues. Collaborate on network security initiatives, including firewall configuration (FortiGate), wireless (Meraki), and switching (Ubiquiti). Develop and maintain documentation for cloud architecture, security policies, and operational procedures. Ensure compliance with banking regulations, risk management, and cybersecurity standards. Assist in integrating cloud solutions with on-premises systems and legacy banking applications. Monitor system performance, troubleshoot issues, and implement proactive improvements. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. All other duties as assigned. Skills and Abilities Deep expertise in Microsoft Azure, Microsoft 365 administration, and Intune endpoint management. Strong knowledge of cloud security frameworks, compliance tools, and data governance. Familiarity with Windows Hello for Business and modern authentication methods. Networking fundamentals and experience with networking technologies such as FortiGate, Meraki, and Ubiquiti. Ability to diagnose and resolve complex technical issues across cloud and endpoint environments. Proficiency in scripting and automation using PowerShell, Python, or similar languages. Excellent communication and documentation skills. Qualifications Required: Bachelor's Degree in Computer Science, Information Technology, or related field. 5+ years of experience in Systems/Cloud Engineering or Microsoft 365/Azure administration, with a focus on designing, implementing, and troubleshooting enterprise infrastructures. Hands-on experience with Microsoft Azure, 365, Purview, Defender Suite, Intune, and Exchange Online. Strong understanding of network security and firewall technologies. Preferred: Banking industry experience and familiarity with FIS, Fiserv, or similar systems. Certifications such as Microsoft Certified: Azure Solutions Architect Expert, Microsoft 365 Certified: Enterprise Administrator Expert, or Fortinet NSE. Experience integrating cloud and on-premises environments in regulated industries.

Job Title: BO/Area Relationship Manager Location: Baltimore, MD Reports To: GVP/Retail Branch Strategy & Performance Officer Department: Branch Administration Type/Status: Full-Time/ Exempt As an integral part of The Harbor Bank of Maryland's mission, the BO/Associate Area Relationship Banker is responsible for driving business growth and deepening client relationships within an assigned market area. This role combines consultative sales expertise with community engagement to expand the Bank's footprint and deliver tailored financial solutions. The Relationship Banker proactively identifies, acquires, and cultivates customer relationships by presenting a full range of bank products and services including deposit accounts, consumer lending, mortgage referrals, commercial banking solutions, and investment opportunities. The position requires a high level of professional maturity, strategic outreach capabilities, and the ability to develop Centers of Influence (COIs) while serving as an ambassador for the Bank within the community. Key Responsibilities: Business Development & Sales Strategy Proactively call on existing and potential clients to develop, grow, and retain relationships by recommending appropriate financial solutions. Develop and execute an individualized business development plan for acquiring new customers in target markets and industries. Identify customer needs and provide cross-sell referrals to mortgage, commercial lending, and wealth management teams. Actively pursue sales and revenue goals for deposits, loans, and ancillary services by conducting pipeline reviews and maintaining robust follow-up practices. Community Engagement & Branding Represent the Bank in the community by participating in civic organizations, chambers of commerce, and networking groups. Serve as an active participant in local events, committees, and boards to expand the Bank's network and strengthen its community presence. Promote the Bank's mission and act as a brand ambassador to build trust and visibility in assigned territories. Relationship Management Conduct thorough needs assessments with customers to deliver tailored financial solutions and strengthen long-term loyalty. Follow up on all new account, loan, and referral opportunities to ensure an exceptional customer experience. Develop Centers of Influence (COIs) and leverage relationships to generate referrals. Operational Excellence Maintain knowledge of current banking policies, procedures, and regulatory requirements. Stay abreast of new bank products, services, and technology to ensure clients are informed of all available options. Support branch operations by assisting with account opening, loan processing, and ensuring compliance with all security and BSA requirements. Other Duties Maintain flexibility to work evenings, weekends, and travel regularly across branches and corporate locations as needed. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. Skills and Abilities Required: Sales Strategy and Business Development: Demonstrated ability to develop and implement sales strategies, customer acquisition plans, and business development initiatives aimed at driving branch success and growth. Community and Customer Engagement: Proven ability to engage with the community and local businesses to enhance brand visibility and foster long-term customer relationships. Branch Operations Management: Thorough knowledge of branch banking operations and the ability to coordinate daily functions, address customer issues, and maintain a high level of operational efficiency. Product and Service Knowledge: Familiarity with the Bank's products and services, including savings, checking, and loan offerings. Ability to explain these products to customers and develop solutions that meet their needs. Compliance and Risk Management: Knowledge of federal and state banking regulations and the ability to ensure the branch meets all compliance obligations, including fraud prevention and BSA requirements. Leadership and Interpersonal Skills: Strong leadership abilities to manage staff performance and promote a culture of accountability and excellence. Excellent interpersonal skills to develop business relationships and drive sales. Qualifications: Required: Associate's degree in Business Administration, Finance, Marketing, or a related field, or equivalent combination of education and experience. Minimum of 5 years of progressively responsible experience in retail or commercial banking, with a proven track record in business development, customer relationship management, and sales. Strong working knowledge of bank products and services, consumer lending, and cross-functional referral processes. Exceptional interpersonal, communication, and presentation skills with the ability to develop trust and rapport with diverse clientele. Proven ability to generate business through proactive outreach and develop meaningful relationships with clients and community leaders. Preferred: Bachelor's degree in Business Administration, Finance, or a related field. Prior experience in high-volume or commercial banking environments. Demonstrated success in leading community engagement initiatives and contributing to market growth strategies. All other duties as assigned

Job Description AVP/Loan Documentation Manager Department: Credit Administration Reports to: Loan Administration Manager/GVP Level: Exempt Responsible for performing a variety of loan administration duties for moderately complex loans, using comprehensive knowledge of policies and procedures for loan products. Responsible for preparing accurate loan documents for commercial/commercial real estate, residential mortgage, and consumer loans while keeping current with compliance issues. Counsel lending department, as needed, regarding various documentation issues and updates. Primary Duties Prepare new, renewal, extension and/or modification loan documents in accordance with credit approval, loan documentation standards and regulatory requirements for all loan types (retail, residential mortgage and commercial). Complete pre-closing loan checklist for each loan documentation request completed to ensure complete and accurate loan package is prepared for each closing. Each checklist must be signed and dated with acknowledgement of the loan terms and conditions, as approved. Review attorney prepared documents for completeness, compliance and accuracy. Order/review title work, applicable due diligence reports and insurance documents for all loan closings. Calculate closing costs and prepare settlement statement/closing disclosure other loan closing disclosures for all loan types (consumer, residential mortgage and commercial), as required Review all loan packages to ensure accurate and necessary documentation for closing is requested. Follow up on any outstanding closing conditions; track receipt of incoming documents and handle requests and inquiries to ensure timely closing of loans, as necessary. Maintain open lines of communication with all parties (i.e., loan officer, attorneys, title companies and others) and provide information regarding loan closing to appropriate parties, as requested. Maintain loan document tracking log to ensure timely completion of all loan documentation requests received. Review and negotiate loan documents with the Loan Officer and borrower. Works routinely with legal counsel with review and accuracy of attorney prepared loan documents. Communicate with external and internal customers as needed. Daily interaction with loan officers, lending department staff and outside contacts including attorneys, escrow/title companies and insurance agents. Prepare lien releases for paid loans and maintain record retention files for all paid loans. Retrieve archived files as requested. Counsel loan officers on matters regarding loan documentation. Responsible for training junior team members. Perform quality control 2nd review on documents prepared by junior team members. Maintain current knowledge of all federal and state laws and regulations, along with the Bank's policies and procedures and not harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice Assist with collection of data for HMDA reporting. Assist Loan Administration Manager as required to complete special projects and other duties relating to the department. Perform other duties as assigned. Skills and Abilities Required Ability to review, read and interpret moderately complex loan documents. Good analytical skills needed to understand various types of commercial, commercial real estate, residential mortgage and consumer loans transactions. Excellent communication skills, both verbal and written. A high level of interpersonal skills to communicate documentation and compliance issues with lenders and others. Knowledge of applicable due diligence and risk management requirements. Ability to multi-task and meet deadlines. Must be accurate and detail oriented. Minimum Requirements: Bachelor's Degree (preferred) and 3+ years of loan documentation, closing or other directly related experience, preferably in commercial loan documentation. A combination of education and experience may meet requirements. Comprehensive knowledge of general loan documentation, loan closing processes and procedures, lending policies, insurance requirements, compliance and lending regulations. Knowledge of State and Federal regulatory requirements and general banking compliance requirements pertaining to commercial loans, residential real estate and consumer loan transactions Knowledge of PC's and various, loan documentation systems, tickler maintenance and/or related software. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training.