Commercial Underwriter jobs at United Community Bank

Chase Auto is a leading provider of auto financing with a portfolio of more than $80 billion in assets and relationships with 75% of U.S. franchised automotive dealers. The business is part of the JPMorgan Chase franchise and serves auto dealers, consumers, and vehicle manufacturers. It offers a range of products and services to meet the financial needs of its clients from retail lending, captive financing, and floorplan products to cash management, private banking, and payment processing. As a Banker III in Chase Auto/Dealer Commercial Services (DCS) , you will be managing an existing loan and deposit portfolio of automotive dealerships. You will build and maintain relationships with dealership key decision makers, dealer groups, manufacturer partners, and existing clients. **Job responsibilities** + Execute the strategies and the business priorities of the Region to grow the business and support current initiatives. + Prospect and grow commercial product offerings, with emphasis on deposit growth, and leverage the existing DCS relationships to grow retail business. + Support Private Label and original equipment manufacturer (OEM) floor plan rooftop goals. + Manage the profitability and performance of assigned portfolio. + Partner effectively with Merchant Services, Investment Bank, Credit Card, Private Bank and Consumer Bank to deliver firmwide value to our clients. + Analyze and document the effectiveness of sales performance and results as related to KPMs. + Serve as a subject matter expert for the regional sales team; provide mentoring, leadership, and training as needed. + Adhere to the firm's Code of Conduct and controls/compliance. **Required qualifications, capabilities and skills** + Bachelor's degree + 10+ years of experience in commercial banking or business banking. + Strong knowledge and understanding of Deposits and Treasury products and solutions. + Experience in asset-based lending, floorplan financing, commercial real estate, and acquisition financing. + Minimum ten years proven relationship building and influencing skills, with the ability to establish credibility and strong client relationships, as well as partnerships with senior business and control partners. + Knowledge of accounting principles and financial statement analysis + Strategic thinker who supports the goals and direction of the firm + Ability to partner across lines of businesses and leverage internal resources. + Strong knowledge of regulatory and control framework **Preferred qualifications, capabilities and skills** + MBA + Knowledge of consumer lending + Formal credit training + Automotive industry **THIS IS A WORK FROM HOME POSITION BUT WILL BE COVERING THE VIRGINIA MARKET. TRAVEL WILL BE 50-60%.** Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. Equal Opportunity Employer/Disability/Veterans

Underwriter I - UO08KEUnderwriter II - UO08ME We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests.Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. The Underwriter will be part of the Priority Accounts (PA) Team and is responsible for: New Business, Renewals, and Inforce business opportunities which will help to build and sharpen technology (PRISM, rating system) skills. Working with Sales to negotiate rates and ensure profitability on Renewals. Ownership of assigned Sales office and to be a part of the overall block and pricing strategies. - In this role you will have an opportunity to learn the intricacies of rating and building plan designs, work with pricing tools, and serve as strategic reserve for other underwriters to allow for growth and upmarket moves. - Develop emerging underwriting skills and consistent technical proficiency of underwriting guidelines and underlying risk management philosophy - Effectively and independently handle renewal ratings by building the formula and needed picks using Short Term Disability (STD) Incurral. - Establish solid relationships with all internal and external business partners, negotiating prices and benefit options with the sales team and brokers - Actively drive and participate in an assigned amount of project work and special assignments - Ensure data integrity reports are promptly completed - Demonstrate understanding of the elements of pricing including risk factors, manual rates, risk classification, pricing targets and reinsurance - Working on STD Incurral, Administrative Service Offerings (ASO) STD, Leave Management, AMT Tool and SAADD tools. (Pricing tools) QUALIFICATIONS: - Bachelor's degree preferred. Desired majors including Risk Management & Insurance, Business, Economics, Finance, Accounting and Math - Strong interpersonal and business communication skills - Minimum of 1+ years of Group Benefits Underwriting, or related experience is preferred - Solid MS Office Knowledge (Microsoft Excel formulas, sorting, v-look-ups, pivot tables) - Strong communication, presentation, interpersonal, analytical and research skills **This position can be filled at different levels depending on experience** This role will have a Hybrid work schedule, with the expectation of working in an office 3 days a week (Tuesday through Thursday). Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $49,920 - $83,160 The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience. Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us (************************************* | Our Culture (******************************************************* | What It's Like to Work Here (************************************************** | Perks & Benefits (********************************************* Every day, a day to do right. Showing up for people isn't just what we do. It's who we are - and have been for more than 200 years. We're devoted to finding innovative ways to serve our customers, communities and employees-continually asking ourselves what more we can do. Is our policy language as simple and inclusive as it can be? Can we better help businesses navigate our ever-changing world? What else can we do to destigmatize mental health in the workplace? Can we make our communities more equitable? That we can rise to the challenge of these questions is due in no small part to our company values that our employees have shaped and defined. And while how we contribute looks different for each of us, it's these values that drive all of us to do more and to do better every day. About Us (************************************* Our Culture What It's Like to Work Here (************************************************** Perks & Benefits Legal Notice (***************************************** Accessibility Statement Producer Compensation (************************************************** EEO Privacy Policy (************************************************** California Privacy Policy Your California Privacy Choices (****************************************************** International Privacy Policy Canadian Privacy Policy (**************************************************** Unincorporated Areas of LA County, CA (Applicant Information) MA Applicant Notice (******************************************** Hartford India Prospective Personnel Privacy Notice

Job Description Kensington Bank is seeking a relationship-driven Commercial Banker, who will be a key member of our lending team based out of our St. Joseph branch. Kensington Bank takes pride in serving our communities with integrity, innovation, and excellence. As a trusted financial institution in Central Minnesota, we are dedicated to fostering a workplace culture that values our employees as much as our customers. As a Commercial Banker for Kensington Bank, you will be responsible for managing a diverse individual portfolio of loans, as well as generating new loans and deposit volume. This role also must be able to make credit decisions within established authority guidelines. The ideal candidate will be a relationship-driven professional with a strong background in credit analysis and loan structuring. Lastly, the Commercial Banker will be expected to attract new customers and expand relationships with existing customers, so you must be energized by community involvement and participation in Kensington Bank's sales and customer service efforts. Responsibilities: Develop and manage a loan portfolio of high-quality commercial relationships by being a trusted advisor to customers, while taking responsibility for all aspects of loan origination and annual reviews of selected commercial loan accounts. Daily review, approval, and disposition of overdrafts for portfolio customers, as well as being responsible for collection of delinquent (past due) loans. Work closely with Kensington Bank product specialists, credit partners, treasury management, and retail banking teams to deliver a full spectrum of services. Actively engage with internal committees (Officer Loan Committee; Business Development Meetings), as well as the overall Kensington Bank team to support bank activities, as needed. Positively represent Kensington Bank while being actively involved in community and civic organizations. Requirements: Two-year degree in business, or equivalent experience. 3-5 years of lending experience within a bank environment. Exceptional interpersonal skills, including confidentiality and communication. Valid driver's license and willingness to travel as business needs require. Desire to build relationships, collaborate with coworkers and enhance the lives of our customers. This job requires skills needed in a typical office environment. This includes computer skills, communications skills, as well as utilization of office equipment. Salary Range [based on experience]: $70,000-$120,000 Benefit Summary: Medical Insurance Flexible Spending Account Dental Insurance Identity Theft Protection Program Vision Insurance Wellness Program Life Insurance Paid time off LTD/STD Paid holidays Accident/Critical Care Insurance 401(K) Please apply for this incredible growth opportunity online via the Kensington Bank Career Site: ************************************************** Kensington Bank is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sex, national origin, pregnancy (including childbirth, lactation, and related medical conditions), disability, protected veteran status, and all other protected statuses.

Commercial Banker II

JobID: 210684481 JobSchedule: Full time JobShift: : Chase Auto is a leading provider of auto financing with a portfolio of more than $80 billion in assets and relationships with 75% of U.S. franchised automotive dealers. The business is part of the JPMorgan Chase franchise and serves auto dealers, consumers, and vehicle manufacturers. It offers a range of products and services to meet the financial needs of its clients from retail lending, captive financing, and floorplan products to cash management, private banking, and payment processing. As a Banker III in Chase Auto/Dealer Commercial Services (DCS) , you will be managing an existing loan and deposit portfolio of automotive dealerships. You will build and maintain relationships with dealership key decision makers, dealer groups, manufacturer partners, and existing clients. Job responsibilities * Execute the strategies and the business priorities of the Region to grow the business and support current initiatives. * Prospect and grow commercial product offerings, with emphasis on deposit growth, and leverage the existing DCS relationships to grow retail business. * Support Private Label and original equipment manufacturer (OEM) floor plan rooftop goals. * Manage the profitability and performance of assigned portfolio. * Partner effectively with Merchant Services, Investment Bank, Credit Card, Private Bank and Consumer Bank to deliver firmwide value to our clients. * Analyze and document the effectiveness of sales performance and results as related to KPMs. * Serve as a subject matter expert for the regional sales team; provide mentoring, leadership, and training as needed. * Adhere to the firm's Code of Conduct and controls/compliance. Required qualifications, capabilities and skills * Bachelor's degree * 10+ years of experience in commercial banking or business banking. * Strong knowledge and understanding of Deposits and Treasury products and solutions. * Experience in asset-based lending, floorplan financing, commercial real estate, and acquisition financing. * Minimum ten years proven relationship building and influencing skills, with the ability to establish credibility and strong client relationships, as well as partnerships with senior business and control partners. * Knowledge of accounting principles and financial statement analysis * Strategic thinker who supports the goals and direction of the firm * Ability to partner across lines of businesses and leverage internal resources. * Strong knowledge of regulatory and control framework Preferred qualifications, capabilities and skills * MBA * Knowledge of consumer lending * Formal credit training * Automotive industry THIS IS A WORK FROM HOME POSITION BUT WILL BE COVERING THE VIRGINIA MARKET. TRAVEL WILL BE 50-60%.

We are looking for a Commercial Market Executive who will be responsible for prudent revenue generation for the bank through the development of profitable loan and deposit relationships with companies and their owners in the bank's target market with established goals and accountabilities pertaining to client service and new business acquisition. Targeted business revenue size of $1 MM or more. The Commercial Market Executive is effective in calling activity, proposal generation, revenue generation, risk mitigation, and ability to build successful relationships. Duties and responsibilities: Lead the local business development activities to promote the Bank's products and services, ensure the maintenance of the Bank's favorable image, and develop full banking relationships with present and potential commercial banking clients. Identify and originate new commercial and personal relationships while managing and maintaining key relationships of the market. Manage the assigned goals of loans, deposits, and business lines. Cross-sell related banking services to include Treasury Management, deposit products and referrals to Professional Banking partners. Represent the Bank in industry and professional associations, community organizations, local business groups, etc., and promote the Bank's favorable image. Stay current on trends in the marketplace. Represent the bank at various internal and external functions to promote its services and commitment to the community, including networking with other professionals. Develop information concerning businesses and borrowing needs, repayment abilities, and business earnings to determine whether a loan is an acceptable risk. Gather personal information about clients and businesses in a timely manner to ensure that an informed decision is made regarding the creditworthiness of the borrower and the probability of repayment. Manage the Annual Review process of existing client credit exposure along with the Commercial Support Specialist partners to assure the timely receipt of all required financial information. Utilization of the Banks internal customer relationship management systems and other Bank tools in the day-to-da management of existing client portfolio, prospect management process and required calling goals. Maintain the credit quality of the assigned portfolio through collaboration with credit partners. Will monitor the accountability of the assigned loan portfolio on a regular basis. Proactively manage past dues, work towards maintaining an acceptable risk tolerance for the portfolio, and proactively manage through problem loan situations. Fulfill responsibilities under the Bank Secrecy Act and Anti-Money Laundering regulations. This may include identifying customers properly, initiating CTRs and SARs investigations as needed, utilizing OFAC records and maintaining appropriate records. Adheres to Bank's policies and procedures and all Federal and State laws and regulations. Analyze financial information including balance sheets, income statements, cash flow statements, and tax returns to form an opinion of creditworthiness of applicants based on sound risk-based examination of strengths and weaknesses. Determine appropriate risk ratings and make recommendations for approval/denial of loan requests. Prepare written credit memorandums for presentation and approval. Perform ALL other duties, as assigned. Must haves: College degree or equivalent, preferably in the Business Administration, Finance or Marketing fields. Minimum of 5 years of prior work experience with loan production in commercial and real estate lending, loan portfolio administration and product sales required. Experience and ability to manage a portfolio of commercial clients in excess of $2 MM. Advanced skills with Microsoft Office suite, specifically Excel, Word, and Outlook preferred. Would be great to have: Expertise in commercial and real estate underwriting practices along with a balanced knowledge of regulatory governance of commercial lending activities. Five (5) to ten (10) years' experience in credit analysis and/or commercial lending Why Work Here? Financially strong and growing company Personal growth potential Great company culture Generous PTO schedule in addition to bank holidays Benefits: Health (Employer-paid coverage for employee, eligible the first month after the date of hire.) Dental Vision Life Insurance (company paid) Additional voluntary Life Insurance Short Term Disability Long Term Disability LifeLock 401K

Make the change and be the difference. Take ownership at MCB! Morton Community Bank was established in Morton, Illinois, in 1960. In some locations, our bank name is synonymous with our logo, as Clock Tower Community Bank (a division of MCB). Currently, we have over 550 employees, 55 branch locations, and over $5 billion in assets. Thanks to our ESOP (Employee Stock Ownership Plan), our employees are also owners of the Bank! We pride ourselves on our dedicated service to our customers and our communities. Pay or shift range: $79,893.00 USD to $127,625.50 USD The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons. Enjoy the Benefits of working at MCB! Medical, Dental, Vision, Short-Term Disability, HSA, FSA, 401k. Life and AD&D Insurances and Long-Term Disability, Vacation Days, Personal Days, and Paid Holidays. Job Summary: Responsible for the development, maintenance, and growth of a commercial loan portfolio. Responsibilities include discussing loan opportunities with customers and analyzing loan requests for all types of commercial loans. This will include a mixture of real estate and corporate and industrial/business loans. You will also be accountable for approving, documenting, and monitoring commercial loans while adhering to all bank policies, procedures, and banking regulations. Additionally, you will be responsible for recommending deposit and cash management solutions and along with a broad array of lending products to meet business clients' cash flow and capital needs. As part of your role, you will be expected to solicit new, profitable business relationships as well as develop and manage existing account relationships in conjunction with bank goals. You will be encouraged to represent the bank in its market through active participation in community affairs. Essential Duties & Responsibilities: • Meet with customers to discuss loan opportunities and gather financial information required to analyze new loans • Analyze customers' financial condition and credit worthiness to determine feasibility of granting loans • Structure loans within policy and champion loan opportunities to the underwriting and credit departments or loan committee for proper approval • Review loan documents to ensure they are complete and accurate according to policy to ensure timely loan closing and funding activities • Service existing customers and enhance relationships by cross selling additional business and personal banking products and services • Manage delinquent accounts by documenting and following Bank policies for collection • Develop referral relationships in order to proactively solicit business and conduct sales-related activities to meet specific loan, deposit and cross-sell goals • Maintain an active calling program in an effort to attract new business opportunities • Involvement is encouraged in the local community to assist in developing relationships with local business and government leaders of our communities through boards, clubs, luncheons, events, and professional organizations. Personnel Management: This position has no supervisory responsibilities. 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. • The physical activities of this position may include climbing, reaching, standing, lifting, talking, hearing and performing repetitive motions. • Medium exertion; exerting up to 50 pounds of force occasionally, and or up to 20 pounds of force frequently, and or up to 10 pounds of force constantly to move objects. • The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; viewing a computer terminal. Work Environment: The work environment characteristics 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. • The noise level in the work environment is usually moderate. • Employees, who work 7 ½ continuous hours or more, must take a 30 minute uninterrupted lunch break no later than 5 hours after beginning their work day Education and Qualifications Essential: • Bachelor's degree from a four-year university or college; plus 2 years or more of related experience and/or training • BSA and other Bank related training through BAI is required annually • Overview course provided by MCB Experience Essential: • Track record of excellent customer service • Strong written and verbal communication skills are required along with a proficiency in the Microsoft Office Suite of programs This job description is not an employment contract, implied or otherwise; therefore, employment relationship remains "at-will."

JobID: 210692042 JobSchedule: Full time JobShift: Day Base Pay/Salary: New York,NY $70,000.00-$135,000.00; Chicago,IL $70,000.00-$135,000.00; Boston,MA $70,000.00-$135,00.00; Los Angeles,CA $70,000.00-$135,000.00; San Franciso,CA $70,000.00-$135,000.00; Irvine,CA $70,000.00-$135,000.00 About the Program At JPMorganChase, we recognize that rewarding careers do not always follow a conventional path. We value the diversity, fresh perspective and wealth of experience that returning professionals can bring. The ReEntry program offers experienced professionals, who are currently on an extended career break of at least two years, the support and resources needed to relaunch their careers. The program spans over 30 locations worldwide. The ReEntry Program is a 15-week fellowship program, beginning April 20, 2026 and ending July 31, 2026 with the prospect of an offer for permanent employment with JPMorganChase at the end of the program. The permanent placements will be based on both business needs and candidate skill set. Please refer to our ReEntry Overview page for further information regarding the Program. Commercial Bank The CB Treasury Sales team is responsible for contributing to new sales targets, managing business relationships, and achieving portfolio growth objectives. What We Look For: Creative and innovative team players with analytical, technical, problem solving, planning and organizational skills. Individuals must have strong interpersonal skills and be able to communicate effectively in presentations, expressing complex financial strategies in an organized and articulate manner. The ability to relate well to external clients and internal partners and establishing strong working relationships.

JobID: 210689565 JobSchedule: Full time JobShift: Day Base Pay/Salary: New York,NY $78,000.00-$129,000.00; Jersey City,NJ $78,000.00-$129,000.00; Chicago,IL $64,000.00-$115,000.00; Palo Alto,CA $78,000.00-$129,000.00; Seattle,WA $78,000.00-$129,000.00 About the Program At JPMorganChase, we recognize that rewarding careers do not always follow a conventional path. We value the diversity, fresh perspective and wealth of experience that returning professionals can bring. The ReEntry program offers experienced professionals, who are currently on an extended career break of at least two years, the support and resources needed to relaunch their careers. The program spans over 30 locations worldwide. The ReEntry Program is a 15-week fellowship program, beginning April 20, 2026 and ending July 31, 2026 with the prospect of an offer for permanent employment with JPMorganChase at the end of the program. The permanent placements will be based on both business needs and candidate skill set. Please refer to our ReEntry Overview page for further information regarding the Program. Commercial Bank The CB Product organization is responsible for scaling and integrating payments platforms across Commercial Banking and the Corporate & Investment Bank, by defining the product strategy, segmenting clients and packing solutions against these segments, determining the end-to-end delivery strategy, managing product launches and enabling the sales teams. Segments: CLIENT SOLUTIONING, COMMERCIALIZATION, INDUSTRY SOLUTIONS, PRODUCT EXPERIENCE What We Look For: Creative and innovative team players with analytical, technical, problem solving, planning and organizational skills. Individuals must have strong interpersonal skills and be able to communicate effectively in presentations, expressing complex financial strategies in an organized and articulate manner. The ability to relate well to external clients and internal partners and establishing strong working relationships.

JobID: 210680006 JobSchedule: Full time JobShift: Base Pay/Salary: Denver,CO $25.00-$25.00; Boston,MA $26.45-$26.45; Los Angeles,CA $26.45-$26.45 JPMorganChase Fellowship Program, offers a five-week paid, full-time summer fellowship held in select JPMorganChase offices. The JPMorganChase Fellowship Program is designed to attract undergraduate sophomores who are interested in early exposure to financial services careers and committed to the advancement of individuals from underrepresented groups in this industry. The JPMorganChase Fellowship Program is seeking sophomore students, including, without limitation, Black, Hispanic and Latino students, who are interested in exploring career opportunities at JPMorganChase. We are looking for dynamic individuals from diverse backgrounds and perspectives to help us grow and position our businesses for the future. All sophomore students who are interested in the Fellowship Program, regardless of background, are welcome to apply. As a Summer Fellow in the Commercial & Investment Banking - Commercial & Specialized Industries (C&SI) Track, you will be provided with an introduction to financial services and the firm. You will be exposed to our senior leaders and gain insight into how your diverse backgrounds and perspectives as financial services professionals might positively impact the future of people's lives, the firm and our industry. This opportunity will expose students to careers in financial services and include hands-on experience and a project-based curriculum, designed to help build a pathway to future employment opportunities. The JPMorganChase Fellowship Program is committed to providing early exposure and professional development opportunities to participants. Upon successful completion of the Fellowship Program, you will be considered for a 2027 Summer Internship offer. Successful completion of the internship is a significant step towards securing full-time employment with the firm. The JPMorganChase Fellowship Program will consist of one-week of training and orientation onsite at one of our firm's locations. During this time, fellows will participate in orientation to our firm, our businesses, and gain the technical and practical knowledge needed to be successful during the program. After the induction, fellows will report to the designated location for their specific line of business track. Job responsibilities * Proactively engage in learning opportunities to gain a comprehensive understanding of the firm's businesses, clients and customers. * Actively pursue opportunities to enhance your professional development skills, including attending training sessions, and engaging with mentors. * Prepare and present a curriculum-based project to an audience of senior stakeholders. Required qualifications, capabilities, and skills * Sophomore standing (expected graduation date of December 2027 through Summer 2028) * Attends college/university in the U.S. (all majors considered) in good standing * Demonstrates a significant commitment to diversity, opportunity and inclusion through, for example, campus activities community service work, and/or related leadership activity * Possess a strong interest in developing professional skills for future opportunities in financial services Preferred qualifications, capabilities, and skills * Preferred minimum cumulative GPA of at least 3.2 on a 4.0 scale To be eligible for this program, you must be authorized to work in the U.S.. We do not offer any type of employment-based immigration sponsorship for this program. Likewise, JPMorgan Chase, will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT.) Locations fellows may join: Charlotte, NC Dallas, TX Boston, MA Los Angeles, CA Denver, CO Indianapolis, IN Fellows will have an opportunity to select up to three location preferences in their application. Potential placement could include any of our offices within the city's metropolitan area. About Our Track Line of Business: Commercial & Investment Bank (CIB) Track: Commercial & Specialized Industries (C&SI) In the Commercial & Specialized Industries track, you will spend a portion of the Program learning how we provide credit, cash management, capital markets, and corporate finance advisory solutions to mid-sized corporations, municipalities, and nonprofits. The Commercial & Specialized Industries group supports clients in various industries ranging from $20MM to $2B in revenue, as well as municipalities, and not-for-profit entities. Read more about Commercial Banking here. Recommended Coursework: * Financial Accounting or other course providing foundational knowledge of financial statements, accounting principles, and how businesses track and report financial performance. * Cover topics such as capital budgeting, financial analysis, risk management, and funding strategies, all essential for understanding business lending and credit in a Corporate Finance course. * Statistics or Data Analysis equips students with quantitative skills to analyze financial data, assess credit risk, and make informed decisions based on numerical information. What's next? Help us learn about you by submitting a complete and thoughtful application, which includes your resume. Your application and resume are way for us to initially get to know you, so it's important to complete all application questions so we have as much information about you as possible. After you confirm your application, we will review it to determine whether you meet required qualifications. If you are advanced to the next step of the process, you will receive an email invitation to complete a video interview, powered by HireVue. This is your opportunity to further bring your resume to life and showcase your experience for our recruiting team and hiring managers. The HireVue is required, and your application will not be considered for further review until you have completed your HireVue video interview. We strongly encourage that you apply and complete these required elements as soon as possible, since programs will close as positions are filled. Applications will be reviewed on a rolling basis. We strongly encourage you to submit your application as early as possible as programs will close once positions are filled. JPMorgan Chase is committed to creating an inclusive work environment that respects all people for their unique skills, backgrounds and professional experiences. We will provide reasonable accommodations for applicants with disabilities. Visit jpmorganchase.com/careers for upcoming events, career advice, our locations and more.

Underwriter I - UO08KEUnderwriter II - UO08ME We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests.Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. The Underwriter will be part of the Priority Accounts (PA) Team and is responsible for: New Business, Renewals, and Inforce business opportunities which will help to build and sharpen technology (PRISM, rating system) skills. Working with Sales to negotiate rates and ensure profitability on Renewals. Ownership of assigned Sales office and to be a part of the overall block and pricing strategies. - In this role you will have an opportunity to learn the intricacies of rating and building plan designs, work with pricing tools, and serve as strategic reserve for other underwriters to allow for growth and upmarket moves. - Develop emerging underwriting skills and consistent technical proficiency of underwriting guidelines and underlying risk management philosophy - Effectively and independently handle renewal ratings by building the formula and needed picks using Short Term Disability (STD) Incurral. - Establish solid relationships with all internal and external business partners, negotiating prices and benefit options with the sales team and brokers - Actively drive and participate in an assigned amount of project work and special assignments - Ensure data integrity reports are promptly completed - Demonstrate understanding of the elements of pricing including risk factors, manual rates, risk classification, pricing targets and reinsurance - Working on STD Incurral, Administrative Service Offerings (ASO) STD, Leave Management, AMT Tool and SAADD tools. (Pricing tools) QUALIFICATIONS: - Bachelor's degree preferred. Desired majors including Risk Management & Insurance, Business, Economics, Finance, Accounting and Math - Strong interpersonal and business communication skills - Minimum of 1+ years of Group Benefits Underwriting, or related experience is preferred - Solid MS Office Knowledge (Microsoft Excel formulas, sorting, v-look-ups, pivot tables) - Strong communication, presentation, interpersonal, analytical and research skills **This position can be filled at different levels depending on experience** This role will have a Hybrid work schedule, with the expectation of working in an office 3 days a week (Tuesday through Thursday). Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $49,920 - $83,160 The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience. Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us (************************************* | Our Culture (******************************************************* | What It's Like to Work Here (************************************************** | Perks & Benefits (********************************************* Every day, a day to do right. Showing up for people isn't just what we do. It's who we are - and have been for more than 200 years. We're devoted to finding innovative ways to serve our customers, communities and employees-continually asking ourselves what more we can do. Is our policy language as simple and inclusive as it can be? Can we better help businesses navigate our ever-changing world? What else can we do to destigmatize mental health in the workplace? Can we make our communities more equitable? That we can rise to the challenge of these questions is due in no small part to our company values that our employees have shaped and defined. And while how we contribute looks different for each of us, it's these values that drive all of us to do more and to do better every day. About Us (************************************* Our Culture What It's Like to Work Here (************************************************** Perks & Benefits Legal Notice (***************************************** Accessibility Statement Producer Compensation (************************************************** EEO Privacy Policy (************************************************** California Privacy Policy Your California Privacy Choices (****************************************************** International Privacy Policy Canadian Privacy Policy (**************************************************** Unincorporated Areas of LA County, CA (Applicant Information) MA Applicant Notice (******************************************** Hartford India Prospective Personnel Privacy Notice

The Commercial Banker is responsible for developing, managing, and growing profitable commercial banking relationships within the community. This role involves originating quality commercial loans, cross-selling bank products including deposit and treasury management products, ensuring exceptional customer service, and supporting the bank's mission to strengthen the local economy. The Commercial Banker will actively engage in business development, community involvement, and portfolio management to achieve growth and profitability targets while maintaining sound credit quality. ESSENTIAL FUNCTIONS Business Development & Relationship Management Proactively identify, solicit, and develop new commercial banking relationships within the bank's target market. Build strong, long-term relationships with business owners, executives, and community leaders. Promote the bank's full range of commercial products and services, including loans, deposit accounts, treasury management, and merchant services. Maintain regular contact with customers to assess needs and identify opportunities for additional services. Deliver customized solutions and consultation to customers and prospects of the bank. Credit & Loan Origination Structure and underwrite commercial loans in accordance with bank policies and regulatory guidelines. Gather and analyze financial information to determine creditworthiness and loan structure. Prepare and present credit recommendations for approval. Negotiate terms, pricing, and structure of credit facilities. Portfolio Management Monitor loan performance and maintain credit quality through ongoing review and relationship contact. Identify and address early warning signs of potential problem loans. Ensure all loan files, documentation, and servicing requirements are complete and accurate. Manage loan renewals and covenant compliance. Community Involvement Actively participate in local business, civic, and community organizations to enhance the bank's visibility and reputation. Represent the bank at networking, chamber of commerce, and industry events. Compliance & Risk Management Adhere to all bank policies, procedures, and applicable banking regulations. Maintain current knowledge of market conditions, industry trends, and competitors' offerings. REQUIRED EDUCATION, EXPERIENCE AND SKILLS Bachelor's degree in business or finance preferred, or equivalent experience Five to seven years of lending experience within a financial institution preferred, but related accounting or finance industry experience considered Demonstrated ability to communicate effectively and professionally with business customers and with team members Strong attention to detail, good judgment and decision-making skills Ability to exercise personal and professional responsibility and work under minimum supervision Strong planning and organizational skills Excellent interpersonal, verbal and written communication skills; demonstrated ability to communicate complex facts to a variety of people Strong customer service skills: demonstrated ability to positively persuade customers and identify and meet their financial banking needs Adaptive to change Computer Skills: Microsoft Word and Excel, Internet Explorer, Web-Based Applications Team Player - Build and maintains productive relationships with people throughout the organization General knowledge of Bank Secrecy Act/Anti-Money Laundering Program preferred POSITION SPECIFIC COMPETENCIES: Productivity- Consistently produces a very high volume of work. Uses company time and resources extremely optimally and meets schedules and deadlines. Decision Making/ Judgment- The ability to make prudent decisions that are timely, well researched, and reflect awareness of impact. Policy Compliance- Demonstrates an excellent understanding of organizational policies and guidelines. Complies very willingly and without exception. Acts as an example to other employees. Takes the initiative to improve compliance practices. Customer Relations- Excellent customer relations skills are demonstrated. Is always attentive, concerned, and polite. Able to diffuse difficult situations smoothly Loan Credit Performance- Credit examinations, audits, and the level of loan delinquency are all exceptional. Credit performance is exceptional. Loan decisions are always based on strong analysis and excellent judgment. PHYSICAL REQUIREMENTS Must be capable of operating all types of office equipment including computers, copy machine, fax and telephone EQUIPMENT USED Computer, telephone, fax machine, scanner, photocopier SUPERVISORY REQUIREMENTS: None WORKING CONDITIONS Requires extensive contact with the general public May require travel to other offices to provide assistance or attend meetings. Also, travel for seminars and training The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions. This is not intended to be and should not be construed as an all-inclusive list of the responsibilities, skills, or working conditions associated with the position. While this job description is intended to accurately reflect the position's activities and requirements, management reserves the right to modify, add, or remove duties and assign other duties as necessary.

We are expanding our Commercial Bank's presence in Government-Sponsored Enterprises (GSE) Multifamily lending and are seeking an experienced commercial real estate sales professional to originate Affordable housing transaction with Fannie Mae DUS™ and other Affordable housing capital sources. This is a unique chance to contribute to the growth of a new business line within JPMorgan Chase's leading commercial real estate platform. Our Commercial Banking offers extensive industry knowledge, local expertise, global capabilities, and a comprehensive set of financial products and services to clients with annual revenue ranging from $20 million to $2 billion. As an Affordable Agency Multifamily Banker in the Commercial Real Estate team, you will have the opportunity to expand our presence in Government-Sponsored Enterprises (GSE) Multifamily lending. You will leverage your experience in originating Fannie Mae DUS™ and Freddie Mac Optigo™ loans to grow JPMC's Affordable Agency platform . You will use your extensive real estate knowledge and technical expertise to develop and grow our portfolio through prospecting and client relationship management. This is an extraordinary opportunity to make a significant impact in our organization and in the commercial real estate industry. Job Responsibilities Originate Affordable loans for Fannie Mae DUS™ and other capital sources using your personal network and leveraging JPMC's relationships Effectively communicate the advantages of Agency loan programs to clients and act as product champion internally for Agency lending products so that Conventional and Affordable relationship bankers can effectively serve their clients and leverage your team's expertise Manage and execute Agency Multifamily transaction while working closely with partners in Risk, Finance, Servicing and Legal to grow the business responsibly and with operational excellence Develop and grow portfolio through prospecting and client relationship management using extensive real estate knowledge and technical expertise Screen opportunities by analyzing market data, property and clients financials, and work closely with the screening team to obtain preliminary loan information and provide initial loan sizing, pricing and terms Partner with Marketing to develop a business plan to attract new customers and increase brand awareness, including professionally represent the Bank at industry related conferences and events Engage and participate in ongoing strategic initiatives with Cross Line-of-Business partners including Treasury Services and Digital platforms Required qualifications, capabilities, and skills Ideal candidate will have an existing book of clients and direct relationships with multifamily borrowers Ten + years proven commercial multi-family real estate income property lending experience Quantifiable sales/origination experience in Agency Affordable Multifamily loan production FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

Join our team as an Executive Director in the Capital & Advisory Solutions group, where you will leverage your expertise in Employee Stock Ownership Plan transactions to drive revenue and support our clients' needs. Be part of a collaborative environment that values your skills and offers career growth opportunities. **Job Summary:** As a Sr. Commercial Banker specializing in Employee Stock Ownership Plans (ESOPs) within the Capital & Advisory Solutions team, you will play a crucial role in business development, market coverage and referral source management. You will lead the execution of Employee Stock Ownership Plan transactions, working closely with Relationship Executives, Commercial Bankers, and underwriters to provide expert guidance on ESOP-related issues. You will ensure our clients receive the best possible service. Your work will directly impact our clients' success and contribute to the growth of our firm. **Job Responsibilities:** + Facilitate the review of external referrals to the Employee Advisory Group from outside advisors. + Participate in customer and prospect meetings to introduce and educate companies on ESOP transactions and related liquidity strategies. + Partner with bankers and Credit Officers in the review, credit evaluation and structuring of initial and second-stage ESOP transactions, growth financing and debt refinancings. + Prepare and present financing feasibility and debt capacity studies. + Review legal documents on existing ESOP deals to ensure compliance. + Work with Associates to prepare detailed financial models for proposed transactions and structuring alternatives. + Conduct periodic reviews of ESOP's to support credit exposure extensions. **Required qualifications, capabilities, and skills:** + Bachelor's degree. + Seven years or more years of experience in corporate or investment banking, corporate finance advisory or valuation, with at least five years in the ESOP space. + Direct experience with ESOP transactions, including valuation, structure, financial modeling, and accounting. + Strong business development acumen and strategic vision to identify marketplace opportunities. + Ability to assess credit transaction risks and knowledge of credit policies. + Series 79, 63, and SIE licenses at time of hiring, or obtain within 120 days of onboarding. **Preferred qualifications, capabilities, and skills:** + Experience working with Client Executives and Senior Bankers. + Strong collaboration skills with Relationship Managers, Bankers, and Credit Officers. + Knowledge of credit underwriting and structuring. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans **Base Pay/Salary** Chicago,IL $166,300.00 - $235,000.00 / year; Cleveland,OH $152,000.00 - $225,000.00 / year

Join our team as an Executive Director in the Capital & Advisory Solutions group, where you will leverage your expertise in Employee Stock Ownership Plan transactions to drive revenue and support our clients' needs. Be part of a collaborative environment that values your skills and offers career growth opportunities. Job Summary: As a Sr. Commercial Banker specializing in Employee Stock Ownership Plans (ESOPs) within the Capital & Advisory Solutions team, you will play a crucial role in business development, market coverage and referral source management. You will lead the execution of Employee Stock Ownership Plan transactions, working closely with Relationship Executives, Commercial Bankers, and underwriters to provide expert guidance on ESOP-related issues. You will ensure our clients receive the best possible service. Your work will directly impact our clients' success and contribute to the growth of our firm. Job Responsibilities: Facilitate the review of external referrals to the Employee Advisory Group from outside advisors. Participate in customer and prospect meetings to introduce and educate companies on ESOP transactions and related liquidity strategies. Partner with bankers and Credit Officers in the review, credit evaluation and structuring of initial and second-stage ESOP transactions, growth financing and debt refinancings. Prepare and present financing feasibility and debt capacity studies. Review legal documents on existing ESOP deals to ensure compliance. Work with Associates to prepare detailed financial models for proposed transactions and structuring alternatives. Conduct periodic reviews of ESOP's to support credit exposure extensions. Required qualifications, capabilities, and skills: Bachelor's degree. Seven years or more years of experience in corporate or investment banking, corporate finance advisory or valuation, with at least five years in the ESOP space. Direct experience with ESOP transactions, including valuation, structure, financial modeling, and accounting. Strong business development acumen and strategic vision to identify marketplace opportunities. Ability to assess credit transaction risks and knowledge of credit policies. Series 79, 63, and SIE licenses at time of hiring, or obtain within 120 days of onboarding. Preferred qualifications, capabilities, and skills: Experience working with Client Executives and Senior Bankers. Strong collaboration skills with Relationship Managers, Bankers, and Credit Officers. Knowledge of credit underwriting and structuring.

JobID: 210684722 JobSchedule: Full time JobShift: Base Pay/Salary: Chicago,IL $166,300.00-$235,000.00; Cleveland,OH $152,000.00-$225,000.00 Join our team as an Executive Director in the Capital & Advisory Solutions group, where you will leverage your expertise in Employee Stock Ownership Plan transactions to drive revenue and support our clients' needs. Be part of a collaborative environment that values your skills and offers career growth opportunities. Job Summary: As a Sr. Commercial Banker specializing in Employee Stock Ownership Plans (ESOPs) within the Capital & Advisory Solutions team, you will play a crucial role in business development, market coverage and referral source management. You will lead the execution of Employee Stock Ownership Plan transactions, working closely with Relationship Executives, Commercial Bankers, and underwriters to provide expert guidance on ESOP-related issues. You will ensure our clients receive the best possible service. Your work will directly impact our clients' success and contribute to the growth of our firm. Job Responsibilities: * Facilitate the review of external referrals to the Employee Advisory Group from outside advisors. * Participate in customer and prospect meetings to introduce and educate companies on ESOP transactions and related liquidity strategies. * Partner with bankers and Credit Officers in the review, credit evaluation and structuring of initial and second-stage ESOP transactions, growth financing and debt refinancings. * Prepare and present financing feasibility and debt capacity studies. * Review legal documents on existing ESOP deals to ensure compliance. * Work with Associates to prepare detailed financial models for proposed transactions and structuring alternatives. * Conduct periodic reviews of ESOP's to support credit exposure extensions. Required qualifications, capabilities, and skills: * Bachelor's degree. * Seven years or more years of experience in corporate or investment banking, corporate finance advisory or valuation, with at least five years in the ESOP space. * Direct experience with ESOP transactions, including valuation, structure, financial modeling, and accounting. * Strong business development acumen and strategic vision to identify marketplace opportunities. * Ability to assess credit transaction risks and knowledge of credit policies. * Series 79, 63, and SIE licenses at time of hiring, or obtain within 120 days of onboarding. Preferred qualifications, capabilities, and skills: * Experience working with Client Executives and Senior Bankers. * Strong collaboration skills with Relationship Managers, Bankers, and Credit Officers. * Knowledge of credit underwriting and structuring.

The Commercial Banker is responsible for developing, managing, and growing profitable commercial banking relationships within the community. This role involves originating quality commercial loans, cross-selling bank products including deposit and treasury management products, ensuring exceptional customer service, and supporting the bank's mission to strengthen the local economy. The Commercial Banker will actively engage in business development, community involvement, and portfolio management to achieve growth and profitability targets while maintaining sound credit quality. ESSENTIAL FUNCTIONS Business Development & Relationship Management Proactively identify, solicit, and develop new commercial banking relationships within the bank's target market. Build strong, long-term relationships with business owners, executives, and community leaders. Promote the bank's full range of commercial products and services, including loans, deposit accounts, treasury management, and merchant services. Maintain regular contact with customers to assess needs and identify opportunities for additional services. Deliver customized solutions and consultation to customers and prospects of the bank. Credit & Loan Origination Structure and underwrite commercial loans in accordance with bank policies and regulatory guidelines. Gather and analyze financial information to determine creditworthiness and loan structure. Prepare and present credit recommendations for approval. Negotiate terms, pricing, and structure of credit facilities. Portfolio Management Monitor loan performance and maintain credit quality through ongoing review and relationship contact. Identify and address early warning signs of potential problem loans. Ensure all loan files, documentation, and servicing requirements are complete and accurate. Manage loan renewals and covenant compliance. Community Involvement Actively participate in local business, civic, and community organizations to enhance the bank's visibility and reputation. Represent the bank at networking, chamber of commerce, and industry events. Compliance & Risk Management Adhere to all bank policies, procedures, and applicable banking regulations. Maintain current knowledge of market conditions, industry trends, and competitors' offerings. REQUIRED EDUCATION, EXPERIENCE AND SKILLS Bachelor's degree in business or finance preferred, or equivalent experience Five to seven years of lending experience within a financial institution preferred, but related accounting or finance industry experience considered Demonstrated ability to communicate effectively and professionally with business customers and with team members Strong attention to detail, good judgment and decision-making skills Ability to exercise personal and professional responsibility and work under minimum supervision Strong planning and organizational skills Excellent interpersonal, verbal and written communication skills; demonstrated ability to communicate complex facts to a variety of people Strong customer service skills: demonstrated ability to positively persuade customers and identify and meet their financial banking needs Adaptive to change Computer Skills: Microsoft Word and Excel, Internet Explorer, Web-Based Applications Team Player - Build and maintains productive relationships with people throughout the organization General knowledge of Bank Secrecy Act/Anti-Money Laundering Program preferred POSITION SPECIFIC COMPETENCIES: Productivity- Consistently produces a very high volume of work. Uses company time and resources extremely optimally and meets schedules and deadlines. Decision Making/ Judgment- The ability to make prudent decisions that are timely, well researched, and reflect awareness of impact. Policy Compliance- Demonstrates an excellent understanding of organizational policies and guidelines. Complies very willingly and without exception. Acts as an example to other employees. Takes the initiative to improve compliance practices. Customer Relations- Excellent customer relations skills are demonstrated. Is always attentive, concerned, and polite. Able to diffuse difficult situations smoothly Loan Credit Performance- Credit examinations, audits, and the level of loan delinquency are all exceptional. Credit performance is exceptional. Loan decisions are always based on strong analysis and excellent judgment. PHYSICAL REQUIREMENTS Must be capable of operating all types of office equipment including computers, copy machine, fax and telephone EQUIPMENT USED Computer, telephone, fax machine, scanner, photocopier SUPERVISORY REQUIREMENTS: None WORKING CONDITIONS Requires extensive contact with the general public May require travel to other offices to provide assistance or attend meetings. Also, travel for seminars and training The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions. This is not intended to be and should not be construed as an all-inclusive list of the responsibilities, skills, or working conditions associated with the position. While this job description is intended to accurately reflect the position's activities and requirements, management reserves the right to modify, add, or remove duties and assign other duties as necessary.

SUMMARY The Commercial Banker is responsible for developing, managing, and growing profitable commercial banking relationships within the community. This role involves originating quality commercial loans, cross-selling bank products including deposit and treasury management products, ensuring exceptional customer service, and supporting the bank's mission to strengthen the local economy. The Commercial Banker will actively engage in business development, community involvement, and portfolio management to achieve growth and profitability targets while maintaining sound credit quality. ESSENTIAL FUNCTIONS Business Development & Relationship Management Proactively identify, solicit, and develop new commercial banking relationships within the bank's target market. Build strong, long-term relationships with business owners, executives, and community leaders. Promote the bank's full range of commercial products and services, including loans, deposit accounts, treasury management, and merchant services. Maintain regular contact with customers to assess needs and identify opportunities for additional services. Deliver customized solutions and consultation to customers and prospects of the bank. Credit & Loan Origination Structure and underwrite commercial loans in accordance with bank policies and regulatory guidelines. Gather and analyze financial information to determine creditworthiness and loan structure. Prepare and present credit recommendations for approval. Negotiate terms, pricing, and structure of credit facilities. Portfolio Management Monitor loan performance and maintain credit quality through ongoing review and relationship contact. Identify and address early warning signs of potential problem loans. Ensure all loan files, documentation, and servicing requirements are complete and accurate. Manage loan renewals and covenant compliance. Community Involvement Actively participate in local business, civic, and community organizations to enhance the bank's visibility and reputation. Represent the bank at networking, chamber of commerce, and industry events. Compliance & Risk Management Adhere to all bank policies, procedures, and applicable banking regulations. Maintain current knowledge of market conditions, industry trends, and competitors' offerings. REQUIRED EDUCATION, EXPERIENCE AND SKILLS Bachelor's degree in business or finance preferred, or equivalent experience Five to seven years of lending experience within a financial institution preferred, but related accounting or finance industry experience considered Demonstrated ability to communicate effectively and professionally with business customers and with team members Strong attention to detail, good judgment and decision-making skills Ability to exercise personal and professional responsibility and work under minimum supervision Strong planning and organizational skills Excellent interpersonal, verbal and written communication skills; demonstrated ability to communicate complex facts to a variety of people Strong customer service skills: demonstrated ability to positively persuade customers and identify and meet their financial banking needs Adaptive to change Computer Skills: Microsoft Word and Excel, Internet Explorer, Web-Based Applications Team Player - Build and maintains productive relationships with people throughout the organization General knowledge of Bank Secrecy Act/Anti-Money Laundering Program preferred POSITION SPECIFIC COMPETENCIES: Productivity- Consistently produces a very high volume of work. Uses company time and resources extremely optimally and meets schedules and deadlines. Decision Making/ Judgment- The ability to make prudent decisions that are timely, well researched, and reflect awareness of impact. Policy Compliance- Demonstrates an excellent understanding of organizational policies and guidelines. Complies very willingly and without exception. Acts as an example to other employees. Takes the initiative to improve compliance practices. Customer Relations- Excellent customer relations skills are demonstrated. Is always attentive, concerned, and polite. Able to diffuse difficult situations smoothly Loan Credit Performance- Credit examinations, audits, and the level of loan delinquency are all exceptional. Credit performance is exceptional. Loan decisions are always based on strong analysis and excellent judgment. PHYSICAL REQUIREMENTS Must be capable of operating all types of office equipment including computers, copy machine, fax and telephone EQUIPMENT USED Computer, telephone, fax machine, scanner, photocopier SUPERVISORY REQUIREMENTS: None WORKING CONDITIONS Requires extensive contact with the general public May require travel to other offices to provide assistance or attend meetings. Also, travel for seminars and training The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions. This is not intended to be and should not be construed as an all-inclusive list of the responsibilities, skills, or working conditions associated with the position. While this job description is intended to accurately reflect the position's activities and requirements, management reserves the right to modify, add, or remove duties and assign other duties as necessary.

Job Description About the Organization: Citizens First Bank, a cornerstone of The Villages community, was founded by the visionary founders of The Villages in 1991. “We are a bank created specifically to fill the needs of our community and to conscientiously and joyously serve our Villagers residents in every possible way.” -Founder Harold Schwartz. Since that time, the vision of the Bank has expanded to build upon our purpose of serving the Villages in every way while sharing our exceptional service and lasting relationships with the people and businesses throughout Lake, Sumter, Marion and Citrus counties. Citizens First Bank: A Five Star Bank where hospitality meets finance. About the Position: Citizens First Bank is seeking an experienced Commercial Banker to profitably manage a portfolio of commercial loans. This role is critical for driving bank growth by cultivating relationships with new and existing borrowers, sourcing new loan opportunities that meet our underwriting standards. The Commercial Banker will also be responsible for cross-selling all bank services and professionally representing Citizens First Bank in the community to attract long-term commercial clients. What you'll do as a Commercial Banker: Cultivate relationships with current and prospective commercial borrowers Generate new loan opportunities that result in profitable business for the bank Conduct business development through regular outreach, including calls, visits, and attending key community functions Present loan requests professionally to the appropriate loan authority for approval, including the Board of Directors when necessary Manage all loan documentation requirements, ensuring accurate collection of financial statements and collateral Actively manage the life cycle of loans, including overseeing collections, modifications, or necessary workouts Commercial Banker Requirements: Minimum: Bachelor's degree with five years of experience in bank lending programs (commercial real estate, construction, lines of credit, and SBA transactions). Additional experience may be considered in lieu of a degree. Must have strategic planning and supervisory skills, business development skills, ability to structure and price a profitable and sound loan portfolio and knowledge of software programs and management information. Broad knowledge of bank lending programs. Must represent the bank in an efficient and businesslike manner while in contact with the public either on a direct or indirect basis. Must be proficient in computer applications including Microsoft Office. Preferred: Bachelor's degree and ten years of experience in a banking lending program. Commercial Banker Benefits: Citizen's First Bank offers an exceptional benefits package for full-time employees including medical dental, vision, short and long-term disability insurance options, 401K, and generous vacation allowance. All employees enjoy an annual calendar recognizing ten federal holidays which may be paid, a high-end hospitality environment with a strong promote-from- within culture, and the satisfaction that comes from serving the community and relationship building. Citizens First Bank is committed to provide equal employment opportunity to all persons regardless of race, color, national origin, religion, sex, sexual orientation, gender identity, age, genetic information, marital status, protected veteran status or disability. In addition to federal law requirements, Citizens First Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the Bank has facilities. Citizens First Bank is proud to be a drug, alcohol, and weapons free workplace.