Trustco Bank jobs in Oviedo, FL - 34 jobs

Management Trainee Reports to: Head of Human Resources FLSA Status: Exempt | Supervisory Role: Yes Why Join Us? At Trustco Bank, we're committed to fostering a supportive and inclusive workplace where our employees can grow their careers. We believe that our people are our greatest asset and consider our employees as family. We value each team member's contribution and offer a supportive, collaborative work environment. In this role, you'll have the opportunity to lead a talented team, make a positive impact in our community, and be rewarded for your success. We believe that investing in our employees means investing in the future of our company. As a valued team member, you will be eligible for a generous compensation and benefits package that includes: medical, dental and vision insurance, a health savings account with an annual employer contribution, a 401(k)-retirement plan with generous employer match, paid time off plus 11 paid federal holidays, training and professional development programs, tuition reimbursement, reduced fees and rates on certain loan products, and much more! Ready to lead with confidence and make a meaningful impact? Apply now and become part of our dedicated banking family! About the Management Trainee Role Join Our Dynamic Banking Team and Lead with Excellence! Trustco Bank offers a career-defining opportunity for a dynamic and driven individual seeking a fast track to branch leadership. This accelerated Management Trainee program provides comprehensive, hands-on experience across all key banking operations. Following successful completion, you will assume the role of Branch Manager I, where you will be empowered to drive growth, lead a team, and make a tangible impact on your community and our customers' financial success. This is more than a job; it's a launchpad for your career in community banking. Key Responsibilities * Rotational Leadership Training: Immerse yourself in a dynamic training program, gaining deep insights into every facet of our bank's internal department. This holistic experience is designed to build a solid foundation for your future leadership role. * Seamless Transition to Branch Management: Upon completion of your training, step into the Branch Manager I role with the full knowledge and authority to lead and inspire a high-performing team. * Cultivate a High-Performance Team: Be responsible for recruiting, hiring, and developing your branch staff. You will provide guidance, coaching, and motivation to foster a sales and service-oriented culture. * Grow the Bank's Portfolio: Play a key role in developing new deposit and loan business, retaining customer relationships, and originating residential mortgage applications. Your efforts will directly contribute to achieving branch and bank-wide goals. * Lead Customer Experience: Provide a superior level of customer service, building strong, lasting relationships with both new and existing customers. You will be the face of Trustco Bank in your community, actively increasing visibility and engagement. * Operational Excellence and Risk Management: Ensure the smooth and efficient daily operation of the branch by overseeing processes, maintaining security controls, and ensuring compliance with all banking policies and regulations. * Community Engagement: Represent the bank by participating in community affairs, strengthening the bank's local ties and enhancing business opportunities. * Continuous Development: Enhance your banking and sales proficiency through ongoing internal and external training, as well as continuing education opportunities. This job description is not exhaustive; duties and responsibilities may change at any time with or without notice. Qualifications Required * High School Diploma or equivalent * Proven supervisory and leadership experience * Strong customer service background * Cash handling expertise * Excellent verbal communication skills * Fluent in English; bilingual a plus * Access to reliable transportation * Well-organized and adept at managing multiple priorities * Team-oriented with the ability to thrive in collaborative environments * Ability to lift 10-20 lbs., stand for extended periods. Preferred * Bachelor's degree. * Previous banking or financial services experience * Familiarity with residential mortgages, IRA services, and personal banking products Schedule Full-time position with hours aligned to branch operations: * Mon-Wed: 8:30 AM - 5:00 PM * Thu-Fri: 8:30 AM - 6:00 PM * Sat: 8:30 AM - 1:00 PM (rotating schedule) * Sun: Closed Employees may need to remain 15-30 minutes after closing. Occasional evening and weekend work may be required. Occasional travel for training, meetings, or branch support. Equal Employment Opportunity Statement: Trustco Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability, or protected veteran status. This includes, but is not limited to, the following: * Hiring, placement, upgrading, transfer, demotion or promotion * Recruitment, advertising or solicitation for employment * Treatment during employment * Rates of pay or other forms of compensation * Selection for training, including apprenticeship * Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

Assistant Branch Manager Reports to: Branch Manager Salary: NE16 FLSA Status: Non-Exempt | Supervisory Role: Yes Why Join Us? At Trustco Bank, we're committed to fostering a supportive and inclusive workplace where our employees can grow their careers. We believe that our people are our greatest asset and consider our employees as family. We value each team member's contribution and offer a supportive, collaborative work environment. In this role, you'll have the opportunity to lead a talented team, make a positive impact in our community, and be rewarded for your success. We believe that investing in our employees means investing in the future of our company. As a valued team member, you will be eligible for a generous compensation and benefits package that includes: medical, dental and vision insurance, a health savings account with an annual employer contribution, a 401(k)-retirement plan with generous employer match, paid time off plus 11 paid federal holidays, training and professional development programs, tuition reimbursement, reduced fees and rates on certain loan products, and much more! Ready to lead with confidence and make a meaningful impact? Apply now and become part of our dedicated banking family! About the Assistant Branch Manager Role Join Our Dynamic Banking Team and Lead with Excellence! Are you a motivated leader with a passion for delivering exceptional customer service and driving branch success? We are seeking a highly skilled and dedicated Assistant Branch Manager to support our Branch Manager in orchestrating the seamless operation of our branch, fostering a trusted environment, and elevating the customer experience. This pivotal role offers the chance to influence our community's financial well-being and grow professionally within a reputable institution. As the Assistant Branch Manager, you will be the vital right hand to our Branch Manager, overseeing daily operations, supervising staff, and ensuring our branch functions with efficiency, security, and warmth. Your expertise in residential mortgages, IRA services, and personal banking products will empower you to deliver tailored solutions that meet our clients' needs. Key Responsibilities * Operational Leadership: Stepping into the Branch Manager's shoes during their absence, managing staff, and maintaining smooth day-to-day operations. * Team Supervision: Overseeing Head Teller and Teller teams, fostering a culture of excellence and accountability. * Branch Branding & Growth: Building a strong branch identity, promoting sales initiatives, and championing exceptional customer service. * Customer Engagement: Personally, connecting with clients and prospects, resolving issues efficiently, and ensuring satisfaction aligns with our high standards. * Compliance & Accuracy: Reviewing and approving transactions such as large check cashing, bank checks, and ledger entries, while maintaining strict adherence to policies. * Performance & Standards: Striving to meet and exceed branch performance metrics, focusing on operational controls, security, and regulatory compliance. * Professional Development: Continually enhancing your banking acumen and sales techniques through training, workshops, and ongoing education. This job description is not exhaustive; duties and responsibilities may change at any time with or without notice. Qualifications Required * High School Diploma or equivalent * Proven supervisory and leadership experience * Strong customer service background * Cash handling expertise * Excellent verbal communication skills * Fluent in English; bilingual a plus * Access to reliable transportation * Well-organized and adept at managing multiple priorities * Team-oriented with the ability to thrive in collaborative environments * Ability to lift 10-20 lbs., stand for extended periods. Preferred * Bachelor's degree. * Previous banking or financial services experience * Familiarity with residential mortgages, IRA services, and personal banking products Schedule Full-time position with hours aligned to branch operations: * Mon-Thu: 8:30 AM - 5:00 PM * Fri: 8:30 AM - 6:00 PM * Sat: 8:30 AM - 12:00 PM (rotating schedule) * Sun: Closed Employees may need to remain 15-30 minutes after closing. Occasional evening and weekend work may be required. Occasional travel for training, meetings, or branch support. Equal Employment Opportunity Statement: Trustco Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability, or protected veteran status. This includes, but is not limited to, the following: * Hiring, placement, upgrading, transfer, demotion or promotion * Recruitment, advertising or solicitation for employment * Treatment during employment * Rates of pay or other forms of compensation * Selection for training, including apprenticeship * Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

EEO Statement: We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law. Job Title: Teller Reports to: Branch Manager FLSA Status: Non-exempt Salary Grade: NE07 Supervisory Responsibility: No SUMMARY: Provides above standard customer service. Accurately and efficiently completes customer transactions. Responsible for following and adhering to all bank operational and security policies and procedures including compliance and privacy policies and procedures to maintain customer confidentiality. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned by supervisor and/or Trustco Bank's Board of Directors. Accepts deposits, verifying cash and endorsements and issue receipts. Cashes checks. Cross-sells the Bank's products and services. Process credit card payments. Issues money orders and bank checks. Accepts loan payments. Process night deposit bags. Admits customers to safe deposit boxes. Answers customer inquiries and provides balances. Balances transactions at end of the day and verifies cash totals. Balances Automated Teller Machines. Maintains reports and logs for record retention. Continues to building proficiency of banking principles and sales techniques by attending internal training, external training, and completion of continuing education courses. REQUIRED EDUCATION/EXPERIENCE: High School Diploma or equivalent education or experience. Customer service experience. Cash handling experience. Effective verbal communication skills. Well organized with the ability to manage multiple tasks. Ability to work well in small groups. PREFERRED EDUCATION/EXPERIENCE: Previous banking experience. POSITION TYPE/EXPECTED HOURS: This is a part-time position. Work hours* are as follows: Monday 11:00am - 5:00pm Tuesday 12:00pm - 5:00pm Wednesday 11:30am - 5:00pm Thursday 12:00pm - 5:00pm Friday 12:30pm - 6:00pm Saturday 8:30am - 12:00 pm Sunday Closed *Hours may vary by branch. TRAVEL: Occasionally upon request. LANGUAGE SKILLS: Must be able to speak, read, write, and understand the primary language(s) used in the workplace; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Ability to lift 10 to 20 lbs. Must be able to stand for long periods of time. Must have dexterity to handle money. Must use hands to operate office machines. Ability to communicate both in person and/or by telephone. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. For the most part, ambient room temperatures, lighting and traditional equipment as found in a typical office / retail environment. OTHER DUTIES: Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. EQUAL EMPLOYMENT OPPORTUNITY STATEMENT: Trustco Bank is an equal opportunity employer. It is the policy of Trustco Bank to afford equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status. This includes, but is not limited to, the following: Hiring, placement, upgrading, transfer, demotion or promotion Recruitment, advertising or solicitation for employment Treatment during employment Rates of pay or other forms of compensation Selection for training, including apprenticeship Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

Job Title: Mortgage Originator Reports to: Vice President of Mortgage Services FLSA Status: Non-Exempt Salary Grade: Commission Sign On Bonus: 15,000 Supervisory Responsibility: No The Mortgage Originator is responsible to increase the mortgage loan portfolio by developing business contacts; attracting mortgage customers; completing mortgage loan application, processing, and closings. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned by supervisor. * Develop a business referral network through marketing, cold-calling, prospecting and networking activities. A mortgage loan officer's network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer's regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations. * Participate in community efforts to promote home ownership. * Follow up on internet and branch referrals on prospective customers. * Meet with prospective borrowers. * Review and analyze credit and financial data to determine borrower financing objectives and goals. * Present appropriate Bank products and programs and explain guidelines. * Advise of pricing and terms as required. Identify appropriate opportunities to sell additional products. * Collect supporting loan documentation as required and provide complete package to the Mortgage Department. REQUIRED EDUCATION/EXPERIENCE: * High School Diploma or equivalent education or experience. * Sales experience within a residential lending environment. * Effective verbal and written communication skills. * Well organized with the ability to manage multiple tasks and work to time sensitive deadlines. * Ability to work well independently and in groups. * Working knowledge with Microsoft Office Programs; Excel and Word. * Must be eligible to be registered in the Nationwide Mortgage Licensing System & Registry for purposes of SAFE Act. PREFERRED EDUCATION/EXPERIENCE: * A bachelor's degree in a business related field. POSITION TYPE/EXPECTED HOURS: This is a full time position. Office hours Monday - Friday 8:30am - 5:00pm. Evening and weekend work may be required as job duties demand. TRAVEL: Travel using personal vehicle, occasional overnight travel. Valid driver's license required. LANGUAGE SKILLS: Must be able to speak, read, write, and understand the primary language(s) used in the workplace; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. * This is largely sedentary role, requiring use of typical office equipment such as a computer, laptop and phone. * Ability to communicate both in person and/or by telephone. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently exposed to outside conditions. The employee is occasionally exposed to a variety of extreme working conditions, such as construction sites. The noise level in the work environment or at certain sites can be loud. OTHER DUTIES: Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. EQUAL EMPLOYMENT OPPORTUNITY STATEMENT: Trustco Bank is an equal opportunity employer. It is the policy of Trustco Bank to afford equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status. This includes, but is not limited to, the following: * Hiring, placement, upgrading, transfer, demotion or promotion * Recruitment, advertising or solicitation for employment * Treatment during employment * Rates of pay or other forms of compensation * Selection for training, including apprenticeship * Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

Operations Specialist - Item Processing Reports to: Operations Supervisor FLSA Status: Non - Exempt | Supervisory Role: No Why Join Us? At Trustco Bank, we're committed to fostering a supportive and inclusive workplace where our employees can grow their careers. We believe that our people are our greatest asset and consider our employees as family. We value each team member's contribution and offer a supportive, collaborative work environment. We believe that investing in our employees means investing in the future of our company. As a valued team member, you will be eligible for a generous compensation and benefits package that includes: medical, dental and vision insurance, a health savings account with an annual employer contribution, a 401(k)-retirement plan with generous employer match, paid time off plus 11 paid federal holidays, training and professional development programs, tuition reimbursement, reduced fees and rates on certain loan products, and much more! About the Operations Specialist - Item Processing Role In the world of banking, the first impression is everything. Trustco Bank is looking for an Operations Specialist - Item Processing to ensure quality maintenance of Bank systems and timely and accurate processing of assigned duties. Key Responsibilities * Research/process returned deposited checks in a timely manner to prevent loss. * Posts transactions to accounts. * Communicates with branch/department personnel via E-Ticket and telephone regarding inquiries on charge backs, large deposits, and collection items. * Communicates with other financial institutions regarding large item returns. * Processes, tracks and monitors foreign collections. * Reviews large deposit images for loss prevention. * Proper filing required daily for file retention. This job description is not exhaustive; duties and responsibilities may change at any time with or without notice. Qualifications Required * High School Diploma required or equivalent level of education and experience. * Effective verbal and written communication skills. * Well- organized with the ability to manage multiple tasks and work to time sensitive deadlines. * Ability to work well independently and in groups. * Working knowledge with Microsoft Office Programs; Excel and Word. * Fluent in English; bilingual a plus * Access to reliable transportation Preferred * Bachelor's degree in a business-related field Schedule Full-time position with hours aligned to department operations: * Monday - Friday: 8:00 AM - 5:00 PM Evening and weekend work may be required as job duties demand. Physical Demands: Primarily sedentary; includes use of standard office equipment. Equal Employment Opportunity Statement: Trustco Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability, or protected veteran status. This includes, but is not limited to, the following: * Hiring, placement, upgrading, transfer, demotion or promotion * Recruitment, advertising or solicitation for employment * Treatment during employment * Rates of pay or other forms of compensation * Selection for training, including apprenticeship * Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

Responsibilities include, but are not limited to: * Act as the liaison and primary point of contact with internal and external customers/stakeholders from approval to deal closing, as well as being point of contact for questions, requests, and inquiries during life of loan monitoring/servicing. * Manage deal flow pipeline with Relationship Managers and leading the interaction with internal downstream stakeholders to ensure timely closings. * Coordinate and review closing documentation (with counsel or internal doc prep) and information with relevant stakeholders for due diligence, application processing, insurance, operational feasibility, optimal execution mechanics, and regulatory requirements. * Assist with the execution and process flow of the transaction, including escalation of issues and designing solutions that ensure risks are covered through adequate controls and protections. Order necessary documents to complete the file and prepare supplemental documents when necessary. * Partner with relevant operations teams (closing and servicing departments) to ensure proper booking, accrual reconciliations, and daily cash positions. * Ensure initial loan funding (if there is a draw at close) and ongoing life of loan activity (payments, draws, payoffs, etc.) are properly processed and booked with downstream stakeholders. * Carefully review loan documents for closing to ensure accuracy; close loans when necessary. * Communicate with Lenders any issues that arise prior to closing. Required Skills: * Excellent Interpersonal skills as well as verbal and written communication skills. * Confident in ability to enforce policies, procedures and processes when/if challenged. Strong PC skills using Microsoft office applications as well as Bank's core system and nCino software. * Highly proficient in all areas of customer service, organizational skills, data input, time management and handling multiple tasks simultaneously within a high volume, strict deadline work environment. Required Experience: * High School Diploma or equivalent; up to 3 years Lending Assistant or Loan Processor experience. Preferred Experience: * Knowledge of Commercial Real Estate and C&I loan documentation.

Responsibilities include but are not limited to: * Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank. * Develop network of external referral sources/centers of influence (COI's) in order to attract new clients. * Maintain, grow and service assigned portfolios and appropriately cross sell other bank products. Overall accountability for driving the profitability, quality, and growth of portfolio. * Negotiates terms (collateral, covenants, pricing and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank's credit policies and lending practices. Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority. * Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file. Monitor and report changes in credit quality. * Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly. Required Skills: * Excellent and effective interpersonal and presentation skills as well as written and verbal communication skills. Proven track record of prospecting new business and enhancing existing relationships. * Excellent ability to critically review, analyze and structure commercial loans, cross sell bank products, and attract new business through effective presentations and the ability to respond to questions. * Strong working knowledge of credit underwriting, basic accounting, and loan documentation. Formal credit training preferred. * Ability to work totally independently or as a team to achieve overall Departmental goals using sound judgement in decision making. * Proficient computer skills using Microsoft Word, Excel and Outlook as well as prospecting/tracking tools such as Salesforce, nCino or similar systems. * Familiarity with professional business practices (time management, communication and appearance). Required Experience: * High School Diploma or equivalent and a minimum of 7 years of related lending and/or credit experience with community and/or industry involvement in the area. * Valid driver's license. Bachelor's degree in Finance, Accounting or business related study and/or formal Commercial Credit training preferred.

Responsibilities include, but are not limited to: * Responsible for providing exceptional customer service in accordance with Valley's mission statement. Ability to engage customers with friendly and professional service. * Knowledge of all Bank products and services and ability to educate and demonstrate customers on such, as well as cross sell various products and services. * Ability to present a confident and professional demeanor to establish trust and gain knowledge from the customer. Analyze needs and recommend appropriate products and services. * Meets with customers to analyze financial needs and maximize sales opportunities. Offers all bank products and assists with other service needs, opens new accounts, i.e., checking, savings, certificate of deposit and IRAs, discusses/sells loan products to existing and prospective customers and possesses knowledge of on-line banking and mobile banking abilities to promote and demonstrate to customers. * Responsible for meeting customer expectations and achieving service quality standards. Participates/oversees the sales referral process ensuring customer financial needs are met and assists management in coaching and mentoring branch staff members. * Ability to perform all transactions required by a customer and use appropriate technology to provide services most effectively and efficiently. Maintain and balance a cash box. Ability to utilize technology such as Teller Scanning Equipment, Cash Recycling and Cash Dispensing machines and support customers in the use of Coin Machines. * Act as Vault Teller ensuring adequacy of Branch cash for daily transactions by assisting the branch staff in ordering and shipping currency - coin and controlling - distributing cash to Tellers in prescribed limits. * Assists in community events (i.e., Habitat for Humanity) etc. Participates in and supports CRA initiatives, activities and programs. * Report all significant matters, issues and unusual customer activity to Manager maintaining personal knowledge of compliance and regulatory requirements. * Maintains knowledge and compliance with the Bank's Code of Conduct and all policies and procedures. Required Skills: * Excellent verbal and written communication. Ability to write correspondence and appropriately and accurately demonstrate products and services to customers. * Excellent interpersonal - customer service skills, attentiveness, information retention, tact and diplomacy in dealing with both customers and employees. * Strong analytical, problem solving, and decision-making skills to effectively uncover and resolve complex customer issues. * Ability to make sound decisions which include making on-the-spot decisions regarding customer transactions; weighing customer satisfaction issues with the Bank exposure to loss or fraud and the ability to think through and rationalize decisions. * Ability to interpret a variety of instructions furnished in written, oral, diagram or scheduled form. * Provides deep understanding of Retail Banking and strong Customer Service Skills with the ability to engage customers in conversation regarding products and services. * Detail oriented, strong organizational skills, and high degree of accuracy. * Ability to manage multiple projects simultaneously. * Proficient computer skills. Required Experience: * High School diploma or GED and minimum 1 year of business services experience in branch banking and knowledge of branch operations or successful completion of a Valley Retail training program. * Associates or Bachelor's degree with concentration in accounting, business, finance, economics or a related field is preferred. Preferred Experience: * FIS/IBS (Integrated Banking Solutions).

Hours: 40 Pay Details: $68,640 - $102,960 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: TD Wealth Job Description: The Financial Advisor (FA) role is a three-year program with a forgivable draw, for financial advisors or planners who will be providing financial planning guidance & selling investment management solutions. A FA will need to leverage their experience to service the unique and complex needs of TD Wealth clients by reviewing financial goals and making investment recommendations aligned to their client's goals. The role will serve as the central point of contact, responsible for providing client service & developing the relationship to achieve greater share of wallet by helping clients achieve their goals related to asset accumulation, preservation, growth, and protection. Depth & Scope: * Experience selling investments and providing financial plans * Demonstrates a commitment to being customer-centric by delivering legendary service during every customer interaction to maximize retention and growth * Ensures all NEW clients receive the complete on-boarding experience, which includes: a thorough client discovery, completion of a financial needs analysis to provide goals-based advice, an introduction to the centralized client servicing team as per client need, and completion of all requisite client documents * Ability to partner and promote lead generation * Manages goals, prioritizes tasks and comfortable working in a fast paced environment * Ensures all new & existing clients are provided with a planning experience * Effectively implement a process to ensure every client receives an Annual Client Review (ACR) meeting with an enhanced agenda focused on the client's overall wealth needs, as well as pro-active contacts * Serves as the primary point of contact for TD Wealth client relationships; manages all aspects of the client's relationships with TD Bank and refers to Retail and Wealth partners & affiliates as needed * Implements and executes a differentiated service model/experience for TD Wealth clients * Meets quarterly and annual sales goals * Deepens wallet share by anticipating client needs and suggesting the most appropriate Wealth solutions. Maximizes profitability, while ensuring the client receives an exceptional client experience * Identifies opportunities within your portfolio and network to refer business to Retail and Small Business/Commercial Partners * Executes in thorough manner that is compliant with regulations, policies and procedures * Adheres to all federal, state, SRO regulations and Firm policies related to all business activities (e.g. OCC, SEC, State Insurance Commissioners, NY Department of Financial Services, etc.) * Ensures all Continuing Education requirements are attained * Responsible for understanding and adhering to TD Bank & TD Wealth Policies and Procedures * Responsible for implementing TD's Customer Identification Program (CIP) by collecting and verifying required customer identification information, and performing other Customer Due Diligence and Enhanced Due Diligence Requirements as outlined in the Business Unit AML procedures * Uncovers client's asset and transitions higher threshold clients to appropriate HNW Wealth partners as needed * Responsible for fostering and contributing to a positive and constructive work environment with a focus on supporting the overall Wealth team * Provides coaching, Wealth referral training & on-going feedback to Retail and Small Business staff * Contributes individually, as a team member and as a mentor to new FAs, to ensure strong performance, collaboration and enthusiasm * Represents TD Wealth to the general public in a professional manner * Is involved in the community and support TDBG charity and community initiatives Education & Experience: * Bachelor's degree strongly preferred * 2+ years of providing advice, planning and investment sales * SIE, Series 7, Series 63 required * Required to have L&H and Series 66 (or equivalent) or the ability to obtain all within the Licensing and Registration Schedule Self-directed, with strong ability to plan own activities to achieve sales and referral goals * Advanced understanding of wealth products and services * Strong verbal and written communication skills * Strong organizational and time management skills * Ability to travel within assigned market to meet prospects, clients and partners five days a week * Ability to commute within assigned territory * Strong understanding of wealth management business development techniques * Strong understanding and experience interacting with retail and small business banking clients * Consultative sales experience required * Demonstrated ability to establish relationships and partner effectively with other departments * Proven ability to achieve sales goals Customer Accountabilities: * Understands and supports the Bank's Customer Service Strategy * Considers the impact of decisions on the well-being of TD, its Customers and stakeholders * Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity * Models quality service delivery at every interaction * Leads and contributes to the ongoing improvement of the partner / Customer experience Employee/Team Accountabilities: * Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and create an extraordinary employee experience * Participates fully as a member of the team and contribute to a positive work environment * May provide leadership, training, and guidance to other team members * Ensures ongoing communication with the team on the status / progress of projects and issues / points of interest * Actively shares information and knowledge, and proactively learn from the expertise of other OCC Language: * This position is with a FINRA member, broker and/or dealer and is subject to the requirements of FINRA and Securities Laws. May (or may not) be a registered position under FINRA. * Must be eligible for employment under standards established by FINRA. Subject to the investigation and verification requirements of FINRA Rule 3110(e), including: the Firm's obligation to investigate the good character, business reputation, qualifications and experience of an applicant for registration before applying to register the applicant with FINRA and filing the applicant's Form U4 with the CRD, and before representing on the applicant's Form U4 that it has conducted this investigation and verified the accuracy and completeness of the information contained in the applicant's Form U4; and the Firm's obligation to verify the accuracy and completeness of the information contained on the applicant's Form U4, no later than 30 calendar days after the Form U4 is filed with FINRA. * Satisfactory results on a criminal background check, credit report check, civil litigation search, and regulatory agency or self-regulatory organization enforcement action search, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority or self-regulatory organization, are required by federal law for this position. Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% * Domestic Travel - Continuous * International Travel - Never * Performing sedentary work - Continuous * Performing multiple tasks - Continuous * Operating standard office equipment - Continuous * Responding quickly to sounds - Occasional * Sitting - Continuous * Standing - Occasional * Walking - Occasional * Moving safely in confined spaces - Occasional * Lifting/Carrying (under 25 lbs.) - Occasional * Lifting/Carrying (over 25 lbs.) - Occasional * Squatting - Occasional * Bending - Occasional * Kneeling - Occasional * Crawling - Occasional * Climbing - Never * Reaching overhead - Occasional * Reaching forward - Occasional * Pushing - Occasional * Pulling - Occasional * Twisting - Occasional * Concentrating for long periods of time - Continuous * Applying common sense to deal with problems involving standardized situations - Continuous * Reading, writing and comprehending instructions - Continuous * Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Responsibilities include, but are not limited to: * Achieve and maintain a high level of customer service and satisfaction, individually and collectively within the branch. Provides quality customer service through personal contact with customers and prospects in adherence with company policy including, handling customer issues in person or over the phone in researching and resolving issues. * Build and promote branch identity, drive product sales and promote overall ownership and accountability for improving customer experience and branch success. Create a welcoming atmosphere that ensures continuous client engagement. * Meets with customers to analyze financial needs and maximize sales opportunities. Offers all bank products and assists with other service needs (account opening - maintenance and processing transactions) for existing and prospective customers. Comprehensive knowledge of all Bank products and services and the ability to discuss and demonstrate with customers. * Ability to perform all transactions required by a customer and use appropriate technology to provide services most effectively and efficiently. Maintain and balance a cash box. Ability to utilize technology such as Teller Scanning Equipment, Cash Recycling and Cash Dispensing machines and support customers in the use of Coin Machines. * Act as Vault Teller ensuring adequacy of Branch cash for daily transactions by assisting the branch staff in ordering and shipping currency - coin and controlling - distributing cash to Tellers in prescribed limits. * Participates and supports CRA initiatives, activities and programs. * Reviews and approves requests - to include approval to cash large checks, authorizing bank checks or general ledger tickets, and the approval of various reports, paperwork and cash counts. * Works to meet existing branch performance standards in areas such as controllable operating losses through compliance with established Bank policies and procedures. * Continues to build proficiency of banking principles and sales techniques by attending internal training, external training, and completion of continuing education courses. * Collaborates with the Market Manager by providing feedback regarding interviews, hiring, performance appraisals and disciplinary actions for the staff. * Assists in community events (i.e. Habitat for Humanity) etc. Participates in and supports CRA initiatives, activities and programs. * Maintains knowledge and compliance with the Bank's Code of Conduct and all policies and procedures. Operational responsibilities: * Under the direction of the Market Manager, supervises all operational aspects of the branch functions to ensure satisfactory audit ratings and adherence to compliance requirements. * Full knowledge of all branch operations encompassing making sound business decisions and including evaluating, honoring and approving all exception items minimizing potential loss to the bank; supervises Operational Risk. * Ensure the branch complies daily, meeting all Retail Banking Policy and Procedures. * Ensure Staff and Branch is in full proof daily. * Order and/or prepare currency shipments, ensuring cash vault in proof daily and maintained with assigned cash limits. * Maintain and prepare daily, weekly and/or monthly reports. * Knowledge and review of proper account opening documentation, ensuring proper documentation is collected and maintained to comply with policy and procedure, including the completion of timely site visits. * Knowledge of KYC (Know Your Customer) and CIP (Customer Identification Program). * Knowledge of wire documentation, with responsibility for obtaining proper documentation and approvals prior to sending a wire. * Oversees timely submission and accuracy of all Branch Management Operational reports, AML reporting and audits as required, including reconciliation of Branch general ledger accounts and other report inconsistencies, knowledge of Suspicious Activity red flags. * Represent VNB in dealing with customer complaints, inquiries or problems, including written correspondence; escalate through proper channels where appropriate. * Complete all Learning - Development classes as required, including annual Learning Management System training. * Oversees expenses within established budget guidelines (contra, branch expense). * Ensure branch appearance meets the Bank's standards including correct and complete signage, address building maintenance issues timely. Sales Requirements: * Participate in, help develop and organize in-branch sales activities. * Meet individual in-branch sales goals. * Build and expand customer relationships to maintain deposit base and grow the branch. Required Skills: * Ability to prioritize, organize and delegate and follow up on assignments. * Ability to effectively present information in one-on-one and small group situations. * Must have excellent verbal, written and interpersonal communication skills. * An enthusiastic individual who can listen to customer concerns and offer a unique and innovative solution. * Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. * Basic PC skills including Microsoft Word, Excel and Outlook. * Must be self-driven with a positive outlook and can to demonstrate confidence, tact, patience, and diplomacy while dealing with customers. Required Experience: * High School diploma or GED and minimum of 4 years related Branch Banking experience in sales, operations and staff oversight or successful completion of the Service Excellence Manager training program. * Bachelor's degree preferred. * FIS/IBS (Integrated Banking Solutions) preferred.

Responsibilities include but are not limited to: Prepares a full credit package for complex loan requests generally involving loan exposure in excess of $10 million, which shall include an in depth high quality credit analysis covering financial analysis, cash flow analysis, collateral assessment, evaluation of repayment sources, assessment of the loan structure and assignment of a risk rating. Performs global analysis of large exposure customers within the commercial loan portfolio with duties including: Gathering data via collaborative efforts with loan officers and/or customers for large exposure global reviews. Such information shall include global cash flows, financial statements, tax returns and K-1 schedules as well as credit files, officer's memos and appraisal reports. Analysis of data gathered to identify and assess trends, issues and concentrations within the customer relationship. Preparation of high quality, well written reports assessing risk exposure, credit quality and risk outlook within each large exposure relationship. Assists the Team Leader in the supervision of junior members of the team by providing training and guidance to the staff. Ensures loan structure is consistent with Loan Policy. Identifies credit policy exceptions and incorporates suitable mitigants into the credit package. Proactively communicates with Loan Officers during the underwriting process. Conducts and participates in customer meetings/conference calls. Participates in department projects as requested.

Responsibilities include but are not limited to: Represents the bank in conducting active prospect and customer business development activities designed to generate new loan, deposit and related business for the line of business, while meeting the Bank's existing and prospective business customer's needs. Manages relationships with business banking clients through service and support, such as overseeing maintenance of client accounts and ensuring client's needs are met. Establishes strong referral network and relationships with commercial real estate agents, brokers, CPA's, accountants, attorneys, and other Centers of Influence (COI's). Develops strong professional relationships with other Bank department associates, as well as supplemental business lines and vendors to cross sell and generate appropriate business product and service recommendations to help clients meet their goals and expand client relationships. Actively collaborates with other lines of business to ensure the clients specific needs are met. Provides quality customer service to existing customers and accounts through problem resolution and maintains consistent communications with clients through onsite visits and outbound calls. Develops and maintains intimate knowledge of the policies, Bank guidelines for their business line. Refers lending opportunities, treasury management, insurance, residential mortgage, and deposit relationships to bank partners. Participates in civic and community activities to promote the Bank's diverse products and services, maintains professional network relationships and strengthen community ties. Interviews loan applicants, analyzes financial and related data to establish credit worthiness; establishes and negotiates credit terms, and monitors customers' credit. Monitor outstanding loans and take necessary collection actions on past dues. Educates the borrower on business line process, structure, and set expectations. Analyzes, determines eligibility, originates, and structures loan requests. Submits complete documentation packages to the credit. Assists in the credit analysis and underwriting process as needed. Recommends approval of customer applications for commercial loans.

EEO Statement: We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law. Job Title: Teller Reports to: Branch Manager FLSA Status: Non-exempt Salary Grade: NE07 Supervisory Responsibility: No SUMMARY: Provides above standard customer service. Accurately and efficiently completes customer transactions. Responsible for following and adhering to all bank operational and security policies and procedures including compliance and privacy policies and procedures to maintain customer confidentiality. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned by supervisor and/or Trustco Bank's Board of Directors. Accepts deposits, verifying cash and endorsements and issue receipts. Cashes checks. Cross-sells the Bank's products and services. Process credit card payments. Issues money orders and bank checks. Accepts loan payments. Process night deposit bags. Admits customers to safe deposit boxes. Answers customer inquiries and provides balances. Balances transactions at end of the day and verifies cash totals. Balances Automated Teller Machines. Maintains reports and logs for record retention. Continues to building proficiency of banking principles and sales techniques by attending internal training, external training, and completion of continuing education courses. REQUIRED EDUCATION/EXPERIENCE: High School Diploma or equivalent education or experience. Customer service experience. Cash handling experience. Effective verbal communication skills. Well organized with the ability to manage multiple tasks. Ability to work well in small groups. PREFERRED EDUCATION/EXPERIENCE: Previous banking experience. POSITION TYPE/EXPECTED HOURS: This is a part-time position. Work hours* are as follows: Monday 11:00am - 5:00pm Tuesday 12:00pm - 5:00pm Wednesday 11:30am - 5:00pm Thursday 12:00pm - 5:00pm Friday 12:30pm - 6:00pm Saturday 8:30am - 12:00 pm Sunday Closed *Hours may vary by branch. TRAVEL: Occasionally upon request. LANGUAGE SKILLS: Must be able to speak, read, write, and understand the primary language(s) used in the workplace; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Ability to lift 10 to 20 lbs. Must be able to stand for long periods of time. Must have dexterity to handle money. Must use hands to operate office machines. Ability to communicate both in person and/or by telephone. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. For the most part, ambient room temperatures, lighting and traditional equipment as found in a typical office / retail environment. OTHER DUTIES: Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. EQUAL EMPLOYMENT OPPORTUNITY STATEMENT: Trustco Bank is an equal opportunity employer. It is the policy of Trustco Bank to afford equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status. This includes, but is not limited to, the following: Hiring, placement, upgrading, transfer, demotion or promotion Recruitment, advertising or solicitation for employment Treatment during employment Rates of pay or other forms of compensation Selection for training, including apprenticeship Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

Responsibilities include, but are not limited to: * Portfolio management reporting. * Perform financial analysis on credits. * Assist and observe the commercial lending underwriting process. * Assist the credit department on their annual review of commercial credits. * Prepare cash flows, debt to income, and loan to value worksheets. * Enter data for financial covenants. * Financial Covenant review, input, and testing. Required Skills: * Excellent verbal and written communications skills. * Proficiency in Microsoft Office product suite. * Detail oriented and organized. * Ability to work independently or in a team setting. * Problem solving skills. * Displays a high level of confidentiality. Required Experience: * High school diploma or GED and enrollment in a 2 or 4-year degree program. * Enrollment in a 4-year college or university with a concentration in Economics, Finance, or Business preferred.

Responsibilities include, but are not limited to: Act as the liaison and primary point of contact with internal and external customers/stakeholders from approval to deal closing, as well as being point of contact for questions, requests, and inquiries during life of loan monitoring/servicing. Manage deal flow pipeline with Relationship Managers and leading the interaction with internal downstream stakeholders to ensure timely closings. Coordinate and review closing documentation (with counsel or internal doc prep) and information with relevant stakeholders for due diligence, application processing, insurance, operational feasibility, optimal execution mechanics, and regulatory requirements. Assist with the execution and process flow of the transaction, including escalation of issues and designing solutions that ensure risks are covered through adequate controls and protections. Order necessary documents to complete the file and prepare supplemental documents when necessary. Partner with relevant operations teams (closing and servicing departments) to ensure proper booking, accrual reconciliations, and daily cash positions. Ensure initial loan funding (if there is a draw at close) and ongoing life of loan activity (payments, draws, payoffs, etc.) are properly processed and booked with downstream stakeholders. Carefully review loan documents for closing to ensure accuracy; close loans when necessary. Communicate with Lenders any issues that arise prior to closing.

Responsibilities include but are not limited to: * Business development with a focus on acquisition of new clients and expanding relationships with existing clients. Respond quickly and effectively on all new business referrals from Senior Management, the branch network or other areas of the bank. * Develop network of external referral sources/centers of influence (COI's) in order to attract new clients. * Maintain, grow and service assigned portfolios and appropriately cross sell other bank products. Overall accountability for driving the profitability, quality, and growth of portfolio. * Negotiates terms (collateral, covenants, pricing and other components) of lending agreements with clients/prospects to properly structure and price credit facilities consistent with the bank's credit policies and lending practices. Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority. * Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file. Monitor and report changes in credit quality. * Bears overall responsibility for the loan closing process and attends loan closings ensuring legal documents reflect all terms as agreed to by customer/prospect and approved by the bank, in addition to making sure required documents and signatures are in place for loan closing and to ensure loans are closed properly. Required Skills: * Strong and effective interpersonal and presentation skills as well as written and verbal communication skills. Proven track record of prospecting new business and enhancing existing relationships. * Strong ability to critically review, analyze and structure commercial loans, cross sell bank products, and attract new business through effective presentations and the ability to respond to questions. * Strong working knowledge of credit underwriting, basic accounting, and loan documentation. Formal credit training preferred. * Ability to work totally independently or as a team to achieve overall Departmental goals using sound judgement in decision making. * Proficient computer skills using Microsoft Word, Excel and Outlook as well as prospecting/tracking tools such as Salesforce, nCino or similar systems. * Familiarity with professional business practices (time management, communication and appearance) Required Experience: * High School diploma or GED. * Minimum of 5 years related lending and/or credit experience with community and/or industry involvement in the area. * Valid driver's license. Preferred Experience: * Bachelor's degree in Finance, Accounting, or business related study and/or formal Commercial Credit training.

Job Title: Mortgage Originator Reports to: Vice President of Mortgage Services FLSA Status: Non-Exempt Salary Grade: Commission Sign On Bonus: 15,000 Supervisory Responsibility: No The Mortgage Originator is responsible to increase the mortgage loan portfolio by developing business contacts; attracting mortgage customers; completing mortgage loan application, processing, and closings. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned by supervisor. * Develop a business referral network through marketing, cold-calling, prospecting and networking activities. A mortgage loan officer's network may consist of real estate professionals, builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the mortgage loan officer's regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations. * Participate in community efforts to promote home ownership. * Follow up on internet and branch referrals on prospective customers. * Meet with prospective borrowers. * Review and analyze credit and financial data to determine borrower financing objectives and goals. * Present appropriate Bank products and programs and explain guidelines. * Advise of pricing and terms as required. Identify appropriate opportunities to sell additional products. * Collect supporting loan documentation as required and provide complete package to the Mortgage Department. REQUIRED EDUCATION/EXPERIENCE: * High School Diploma or equivalent education or experience. * Sales experience within a residential lending environment. * Effective verbal and written communication skills. * Well organized with the ability to manage multiple tasks and work to time sensitive deadlines. * Ability to work well independently and in groups. * Working knowledge with Microsoft Office Programs; Excel and Word. * Must be eligible to be registered in the Nationwide Mortgage Licensing System & Registry for purposes of SAFE Act. PREFERRED EDUCATION/EXPERIENCE: * A bachelor's degree in a business related field. POSITION TYPE/EXPECTED HOURS: This is a full time position. Office hours Monday - Friday 8:30am - 5:00pm. Evening and weekend work may be required as job duties demand. TRAVEL: Travel using personal vehicle, occasional overnight travel. Valid driver's license required. LANGUAGE SKILLS: Must be able to speak, read, write, and understand the primary language(s) used in the workplace; bilingual skills a plus. Ability to read, analyze, and interpret general business information, including but not limited to company policies and procedures. Ability to effectively present information and respond to questions from groups of managers and customers. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. * This is largely sedentary role, requiring use of typical office equipment such as a computer, laptop and phone. * Ability to communicate both in person and/or by telephone. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently exposed to outside conditions. The employee is occasionally exposed to a variety of extreme working conditions, such as construction sites. The noise level in the work environment or at certain sites can be loud. OTHER DUTIES: Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. EQUAL EMPLOYMENT OPPORTUNITY STATEMENT: Trustco Bank is an equal opportunity employer. It is the policy of Trustco Bank to afford equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status. This includes, but is not limited to, the following: * Hiring, placement, upgrading, transfer, demotion or promotion * Recruitment, advertising or solicitation for employment * Treatment during employment * Rates of pay or other forms of compensation * Selection for training, including apprenticeship * Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

Branch Manager Reports to: Regional Vice President FLSA Status: Non-Exempt | Supervisory Role: Yes Why Join Us? At Trustco Bank, we're committed to fostering a supportive and inclusive workplace where our employees can grow their careers. We believe that our people are our greatest asset and consider our employees as family. We value each team member's contribution and offer a supportive, collaborative work environment. In this role, you'll have the opportunity to lead a talented team, make a positive impact in our community, and be rewarded for your success. We believe that investing in our employees means investing in the future of our company. As a valued team member, you will be eligible for a generous compensation and benefits package that includes: medical, dental and vision insurance, a health savings account with an annual employer contribution, a 401(k) retirement plan with generous employer match, paid time off plus 11 paid federal holidays, training and professional development programs, tuition reimbursement, reduced fees and rates on certain loan products, and much more! About the Branch Manager Role We're looking for a dynamic and results-driven Branch Manager to lead the daily operations of a full-service branch. In this role, you'll oversee all aspects of branch performance-from sales and customer service to lending, operations, and security. You'll inspire and coach your team, foster strong customer relationships, and drive growth through new business development, referrals, and client retention. The ideal candidate thrives in a leadership role, has a passion for delivering exceptional service, and can balance operational efficiency with strategic business growth. Key Responsibilities * Lead and manage all branch operations, ensuring exceptional customer service and operational excellence. * Develop new deposit, loan, and business opportunities while achieving branch sales and retention goals. * Build and promote the branch's identity, fostering a sales-driven and customer-focused culture. * Supervise, coach, and evaluate team members including Assistant Branch Managers, Head Teller, and Tellers. * Conduct staff training, regular team meetings, and performance reviews. * Effectively execute the selling of new products, services, promotions, and incentive programs to drive growth. * Originate residential, home equity, and installment loans. * Ensure compliance with all bank policies, procedures, and security protocols. * Handle complex customer requests and resolve escalated issues in person or by phone. * Approve significant transactions such as large check cashing, bank checks, and general ledger tickets. * Maintain branch appearance and uphold operational performance standards. * Report regularly to senior management on branch performance, opportunities, and challenges. This job description is not exhaustive; duties and responsibilities may change at any time with or without notice. Qualifications Required * High school diploma or equivalent. * Supervisory experience. * Strong customer service and cash-handling experience. * Excellent verbal communication and interpersonal skills in person, by phone, and via email. * Fluent in English; bilingual a plus * Strong organizational skills with the ability to manage multiple priorities. * Ability to work effectively in a collaborative team environment. * Willingness to participate in ongoing training and development. * Ability to lift 10-20 lbs., stand for extended periods. Preferred * Bachelor's degree. * Previous banking or financial services experience. Schedule Full-time position with hours aligned to branch operations: * Mon-Thu: 8:30 AM - 5:00 PM * Fri: 8:30 AM - 6:00 PM * Sat: 8:30 AM - 12:00 PM (rotating schedule) * Sun: Closed Employees may need to remain 15-30 minutes after closing. Occasional evening and weekend work may be required. This includes attending networking events, visiting local businesses/real estate offices, open houses, etc. Occasional travel for training, meetings, or branch support. Equal Employment Opportunity Statement: Trustco Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability, or protected veteran status. This includes, but is not limited to, the following: * Hiring, placement, upgrading, transfer, demotion or promotion * Recruitment, advertising or solicitation for employment * Treatment during employment * Rates of pay or other forms of compensation * Selection for training, including apprenticeship * Layoff or termination It is the policy of Trustco Bank to cooperate to the fullest extent with the applicable regulations of the Civil Rights Act and any legislation on Equal Employment Opportunity.

Responsibilities include, but are not limited to: Achieve and maintain a high level of customer service and satisfaction, individually and collectively within the branch. Provides quality customer service through personal contact with customers and prospects in adherence with company policy including, handling customer issues in person or over the phone in researching and resolving issues. Build and promote branch identity, drive product sales and promote overall ownership and accountability for improving customer experience and branch success. Create a welcoming atmosphere that ensures continuous client engagement. Meets with customers to analyze financial needs and maximize sales opportunities. Offers all bank products and assists with other service needs (account opening - maintenance and processing transactions) for existing and prospective customers. Comprehensive knowledge of all Bank products and services and the ability to discuss and demonstrate with customers. Ability to perform all transactions required by a customer and use appropriate technology to provide services most effectively and efficiently. Maintain and balance a cash box. Ability to utilize technology such as Teller Scanning Equipment, Cash Recycling and Cash Dispensing machines and support customers in the use of Coin Machines. Act as Vault Teller ensuring adequacy of Branch cash for daily transactions by assisting the branch staff in ordering and shipping currency - coin and controlling - distributing cash to Tellers in prescribed limits. Participates and supports CRA initiatives, activities and programs. Reviews and approves requests - to include approval to cash large checks, authorizing bank checks or general ledger tickets, and the approval of various reports, paperwork and cash counts. Works to meet existing branch performance standards in areas such as controllable operating losses through compliance with established Bank policies and procedures. Continues to build proficiency of banking principles and sales techniques by attending internal training, external training, and completion of continuing education courses. Collaborates with the Market Manager by providing feedback regarding interviews, hiring, performance appraisals and disciplinary actions for the staff. Assists in community events (i.e. Habitat for Humanity) etc. Participates in and supports CRA initiatives, activities and programs. Maintains knowledge and compliance with the Bank's Code of Conduct and all policies and procedures. Operational responsibilities: Under the direction of the Market Manager, supervises all operational aspects of the branch functions to ensure satisfactory audit ratings and adherence to compliance requirements. Full knowledge of all branch operations encompassing making sound business decisions and including evaluating, honoring and approving all exception items minimizing potential loss to the bank; supervises Operational Risk. Ensure the branch complies daily, meeting all Retail Banking Policy and Procedures. Ensure Staff and Branch is in full proof daily. Order and/or prepare currency shipments, ensuring cash vault in proof daily and maintained with assigned cash limits. Maintain and prepare daily, weekly and/or monthly reports. Knowledge and review of proper account opening documentation, ensuring proper documentation is collected and maintained to comply with policy and procedure, including the completion of timely site visits. Knowledge of KYC (Know Your Customer) and CIP (Customer Identification Program). Knowledge of wire documentation, with responsibility for obtaining proper documentation and approvals prior to sending a wire. Oversees timely submission and accuracy of all Branch Management Operational reports, AML reporting and audits as required, including reconciliation of Branch general ledger accounts and other report inconsistencies, knowledge of Suspicious Activity red flags. Represent VNB in dealing with customer complaints, inquiries or problems, including written correspondence; escalate through proper channels where appropriate. Complete all Learning - Development classes as required, including annual Learning Management System training. Oversees expenses within established budget guidelines (contra, branch expense). Ensure branch appearance meets the Bank's standards including correct and complete signage, address building maintenance issues timely. Sales Requirements: Participate in, help develop and organize in-branch sales activities. Meet individual in-branch sales goals. Build and expand customer relationships to maintain deposit base and grow the branch.