Unity Bank jobs - 274 jobs

Responsible for underwriting and approving mortgage loan applications that maximize organizational profit and minimize risk. The position supports the branches, sales and operations functions of the Bank through accurate, timely and professional communication and rendering of sound credit decisions. Essential Functions Underwrite and approve Residential Mortgage loans, Construction loans, and Consumer loans and evaluate credit risk Conduct loan-level due diligence and ensure each loan conforms to bank underwriting and/or investor guidelines. Manage a pipeline of loans submitted for closing Interact with other areas of the bank, including processing, sales, and the closing / funding teams, as well as servicing and secondary sales teams. Perform a thorough review and analysis of all loan applicants in rendering a sound credit decision on all loans to ensure the Bank's ability to sell the loan on the secondary market or retain as a performing asset in its portfolio Review and analyze credit, income, assets and collateral to ensure compliance FNMA, investor or Bank portfolio guidelines Collaborate with team members and Management to identify or recommend potential solutions/exceptions for non-sellable or denied loan files Examine all loan documentation to ensure accuracy and compliance with all state and federal policies and regulations Communicate with mortgage sales, operations and branches to maintain a high level of customer service Serve as a leader/trainer/mentor to processors and less experienced Operations staff Maintain a high level of efficiency to ensure excellent turnaround times Maintain current knowledge of all industry and bank program changes, policies and procedures Communicates with Management on a loan by loan basis in recommending exceptions to policy Additional Functions Assist with loan delivery and servicing in resolving any port-closing/delivery issues with FNMA or investor Assist Loan Officers by reviewing loan scenarios to ensure loan is placed in correct program Education and Experience BA/BS 7 years conventional underwriting experience required FHA processing or underwriting experience a plus Ability to analyze title reports, tax returns and appraisals is required Detailed knowledge of FNMA/FHLMC guidelines is required Extensive knowledge of Automated Underwriting Systems LP/DU is required Excellent communication skills, both written and verbal, are required Excellent proficiency with MS Word Suite Knowledge, Skills, and Abilities Ability, familiarity and competence to perform all aspects of a loan transaction, from opening through closing Ability to analyze credit, income, assets, appraisals Ability to calculate figures and amounts Ability to read, analyze and interpret legal documents, government regulations and professional publications Ability to effectively present information and respond to inquiries from Senior Management, attorneys, vendors, government agents and the general public Ability to create and generate reports Ability to work independently with little supervision All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or s at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.

Pennington, New Jersey;Tampa, Florida **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (*********************************************************************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **:** This job is responsible for standard activities supporting the creation, onboarding and maintenance of accounts, according to the established guidelines and procedures. Key responsibilities include providing quality service and effective, efficient operations support for internal business partners and external clients. Job expectations include operating with a standard level of independence, and referring to their team lead or manager for direction and support with more complex issues and escalations. **Responsibilities:** + Performs onboarding and maintenance of accounts and reviewing required account documentation. + Responds to client inquiries via numerous channels to support operational efficiency and quality client service + Performs basic research, follow-up and resolution of routine research requests + Identifies potential issues in daily operational tasks and escalates risk concerns, as appropriate + Provides general operational support including handling inbound calls, mail sorting, and mail distribution + Reviews and approves required account documentation **Skills:** + Account Management + Customer and Client Focus + Oral Communications + Research + Attention to Detail + Collaboration + Written Communications + Prioritization + Recording/Organizing Information + Result Orientation **LOB Job Description:** Wealth Management Operations (WMO) provides end-to-end operational support that drives the client experience for Wealth Management advisory partners and their clients. Within WMO, the Onboarding & Maintenance Support teams execute manual processes and monitor automated processes to gather and maintain required information that identifies client accounts and features such as legal name(s), address, product type, beneficiaries, etc. to accurately open, modify or close accounts. Upon the receipt of new account and/or maintenance request from the Merrill Branch Office, the Support Onboarding, Maintenance, and Associated Data - Brokerage team ensures all documentation, regulatory requirements, and required client correspondence have been met for the account to be opened and/or updated. Requests may be returned for additional or incorrect information and a secondary review is completed on higher risk requests. The account management is complete once the request is decisioned. **Required Skills:** A successful Account Management Ops Representative on this team: + Performs an accuracy, completeness, and risk assessment of documentation or client account information, identifies and resolves any discrepancies or gaps, then approves/declines the request for account opening or maintenance according to the established written guidelines and procedures. + Researches and resolves data errors by applying procedures and engaging support partners when needed. + Responds to internal business partner inquiries related to errors via phone and email and escalates more challenging issues to leadership as needed. + Understands the process flow from end-to-end including the reasons for each step, the process controls, the risks within the process, and the upstream/downstream impacts of their work based on an understanding of how the work impacts other operational units. **Desired Skills:** + Oral Communications + Written Communications + Customer and Client Focus + Attention to Detail + Results Driven + Numerical Reasoning" **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Summary: This job is responsible for leading the day-to-day operations of a highly complex environment, working closely with key partners to grow the business responsibly while driving operational excellence. Key responsibilities include leading a positive atmosphere for our employees and delivering exceptional client care. Job expectations include managing key performance indicators, making difficult decisions, and driving employee satisfaction, retention, and development. Role will manage the Credit Billing Disputes Claims organization within Consumer and Small Business Claims Operations (CSBCO), which is part of Client Protection. Responsibilities: Drives key performance indicators with team managers to build foundational routines through identification, coaching, evaluation, and consistent themes of recognition Ensures site-wide compliance with our Enterprise Risk Framework standards and company guidelines to minimize losses and ensure legal compliance Leads division-wide initiatives that may include engagement with senior partners and peers to implement company initiatives Influences key partners and stakeholders with a focus on relationship building to assist in achieving desired business goals and delivering exceptional results Encourages a culture that prioritizes employee engagement, satisfaction, and retention while also supporting talent motivation and career growth Monitor work queues to ensure timely completion of each step of the claims process and collaborate with Capacity Management team on alignment of resources Managerial Responsibilities: This position may also have responsibilities for managing associates. At Bank of America, all managers at this level demonstrate the following responsibilities, in addition to those specific to the role, listed above. Opportunity & Inclusion Champion: Models an inclusive environment for employees and clients, aligned to company Great Place to Work goals. Manager of Process & Data: Demonstrates deep process knowledge, operational excellence and innovation through a focus on simplicity, data based decision making and continuous improvement. Enterprise Advocate & Communicator: Communicates enterprise decisions, purpose, and results, and connects to team strategy, priorities and contributions. Risk Manager: Ensures proper risk discipline, controls and culture are in place to identify, escalate and debate issues. People Manager & Coach: Provides inspection, coaching and feedback to motivate, differentiate and improve performance. Financial Steward: Actively manages expenses and budgets in alignment with objectives, making sound financial decisions. Enterprise Talent Leader: Assesses talent and builds bench strength for roles across the organization. Driver of Business Outcomes: Delivers results by effectively prioritizing, inspecting and appropriately delegating team work. Required Qualifications: 10+ years of Operations experience including 5+ years of supervisory experience. Ability to communicate, influence and drive change across all levels of the organization, leveraging advanced written, verbal and presentation skills. Ability to Influence partners via data-driven business cases backed by subject matter expertise, and to encourage collaboration across lines of business. Strong Risk Control framework. Strong Analytical skills. Proven track record of identifying process opportunities to improve the client and associate experience. Strong prior results with Employee Engagement. Ability to deliver across a varied set of priorities, both planned and ad-hoc, and adapt within a dynamic and fast-paced environment. Desired Qualifications: Bachelor's degree. Experience in Billing Disputes. Experience with EPIC and ENG systems, Visa, and Mastercard. Skills: Performance Management Results Oriented Risk Management Strategic Thinking Business Intelligence Conflict Resolution Customer Focus Drives Engagement Hiring and Onboarding Leadership Development Talent Development Shift: 1st shift (United States of America) Hours Per Week: 40

Denver, Colorado;Seattle, Washington; Jacksonville, Florida; Charlotte, North Carolina; Jersey City, New Jersey; Boston, Massachusetts; Washington, District of Columbia; Chicago, Illinois **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (**************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** Manual Ethical Hacking is part of the Application Development Security Framework Program within Bank of America's Cyber Security Assurance Offensive Security group. The program provides services to assess the vulnerability of the bank's applications to malicious hacking activity. This intermediate technical role is responsible for performing application security assessments of the bank's technologies, applications, and cyber security controls while adapting testing methods to evolving and emerging threats. Key responsibilities include performing research, understanding the bank's security policies, working with the appropriate partners to complete assessments and simulations, identifying misconfigurations and vulnerabilities, and reporting on associated risk. These individuals partner closely with security partners, CIO clients and multiples lines of business. Key Responsibilities in order of importance: + Perform assigned analysis of internal and external threats on information systems and predict future threat behavior + Incorporate threat actors' tactics, techniques, and procedures into offensive security testing + Perform assessments of the security, effectiveness, and practicality of multiple technology systems + Leverage innovative thinking to help solve problems or introduce new ideas to processes or products applicable to offensive security. + Prepare and present detailed technical information for various media including documents, reports, and notifications + Provide clear and practical advice regarding managed risks + Learn and develop advanced technical and leadership skills, Mentor Junior assessors in technical tradecraft and soft skills Required Skills: + **Minimum of 4 years of** **professional** **pentesting, application security or ethical hacking experience, preferably in a large, complex, enterprise environment** + Detailed technical knowledge in at least 3 of the following areas: security engineering; application architecture; authentication and security protocols; application session management; applied cryptography; common communication protocols; mobile frameworks; single sign-on technologies; exploit automation platforms; RESTful web services + SQL injection/XSS attack without the use of tools + Experience performing manual code reviews for security relevant issues + Experience working with SAST tools to identify vulnerabilities + Able to manually identify and reproduce findings, discuss remediation concepts, develop PoCs for vulnerabilities, use scripting/coding techniques, proficiently execute common penetration testing tools, triage, and support incidents, and produce high value findings + Experience performing manual web application assessments i.e., must be able to simulate a + Knowledge of network and Web related protocols/technologies (e.g., UNIX/LINUX, TCP/IP, Cookies) + Experience with vulnerability assessment tools and penetration testing techniques + Solid programming/debugging skills + Experience of using a variety of tools, included, but not limited to, IBM AppScan, Burp and SQL Map + Threat Analysis + Innovative Thinking + Technology Systems Assessment + Technical Documentation + Advisory Desired: + CISSP, CEH, OSCP, OSWE, GPEN, PenTest+ or similar + Strong programming/scripting skills + Mobile application analysis + Frida + Binary analysis (disassembly skills) **Skills:** + Advisory + Innovative Thinking + Technical Documentation + Technology System Assessment + Threat Analysis + Adaptability + Collaboration + Executive Presence + Scenario Planning and Analysis + Test Engineering + Controls Management + Information Systems Management + Issue Management + Mentoring + Presentation Skills This job will be open and accepting applications for a minimum of seven days from the date it was posted. **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

The Maintenance Technician performs a variety of semi-skilled work maintaining and repairing bank properties and equipment, and may involve carpentry, electrical, mechanical, and plumbing work. The incumbent monitors and assesses the condition and needs of physical assets. Essential Functions Perform routine and emergency repairs and maintenance of all physical assets including carpentry, electrical, mechanical, and plumbing. Troubleshoot maintenance problems for equipment and the electrical, structural, and plumbing systems. Perform scheduled inspections of physical assets and reports issues to management. Purchase supplies and materials needed to complete projects. Deliver materials to job sites. Maintain the bank vehicles in good working condition including scheduling regular maintenance and emergency repairs. Communicate with vendors, salespeople, and service providers. Visiting assigned facilities, a minimum of once a month Job Requirements and Qualifications Strict attention to details and thoroughness in the completion of job duties. High level of coordination, organization, planning, and prioritization of work, and time management. Willingness to take on responsibility and challenges. Support in bank functions, i.e. Car Show, employee events, branch activities, etc. Travel within local market to all bank sites and vendors. Education and Experience High school diploma or equivalent. Five years of experience in building maintenance including electrical, mechanical, plumbing and carpentry. Multi-site maintenance preferred. Licenses and Certifications Valid driver's license. Knowledge, Skills, and Abilities Knowledge of a wide variety of building maintenance procedures and techniques including electrical, mechanical, plumbing, and carpentry. Skilled in using hand and power tools such as hammers, saws, drills, wrenches, measuring instruments, and electrical testing devices. Proficient computer skills in a Microsoft Windows environment including proficiency in Word and Excel. Ability to read, comprehend, analyze, and interpret building blueprints and professional publications. Ability to assess the quality and condition of buildings, equipment, and all related systems. Ability to speak and write clearly to effectively convey information so that others understand and as appropriate for the needs of the audience. Ability to apply common sense understanding to carry out written and oral instructions. Ability to deal with problems involving several concrete variables in standardized situations. Ability to prioritize multiple projects and tasks. Ability to work independently with little supervision. Physical Requirements Ability to stand for long periods of time up to 75 % of work hours. Ability to kneel, stoop, squat, and crawl in confined spaces during the course of the day. Ability to withstand work in all types of weather. Ability to use hands to grasp, handle, feel, and assemble objects. Ability to use computer keyboard and system to enter data and process information. Ability to talk, hear, and see. Ability to use telephone to communicate. Ability to use office equipment such as teller scanner, personal computer, telephone, mobile device, copier, fax machine, adding machine, etc. Ability to lift up to 100 lbs. at least 25% of work hours; ability to lift at least 30 lbs. daily. Ability to see details at close range Ability to climb ladders of varying heights. Ability to balance on a pitched roof. Working Conditions Moderate sound as in business office with office machines, computers, and people traffic. Open floor work environment. Outdoor work in all weather conditions. Work in confined spaces such as basements, workrooms, closets, etc. Compliance It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or s at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.

WHAT IS THE OPPORTUNITY? The auditor will work within a team and on occasion as an individual contributor on routine audit assignments testing internal controls and ensuring compliance with bank policies, procedures, and regulatory requirements. Assigned to one of the following areas: Financial, operational and process audits to assess the adequacy of the banks internal control environment. Fiduciary and private banking audits in corporate, employee benefit, and personal trust relationships, propriety mutual funds, security sales and trading, and insurance activities. Compliance with various laws, rules, regulation, and other regulatory pronouncements. What you will do * Completes time sheets and expense reports in a timely manner. * Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.). * Completes all required training. * Develops a general knowledge of the business, regulatory and accounting and control environment in which City National Bank operates. * Keeps informed of new services, products and events that have a significant technology and business impact. * Keeps abreast of changes in the business, regulatory, accounting and control environment in which City National operates, particularly in areas where audit responsibilities are assigned. * Assists the Senior Auditor and or Audit Manager in the development of the audit scope. * Holds preliminary discussions and interviews with auditees prior to the beginning of the field work. * Prepares narratives/flowcharts detailing internal controls of area audited. * Documents the workflow in the area audited, develops audit programs or procedures, and updates audit programs as necessary. * Performs program procedures and documents work performed, test results and conclusions using work paper preparation guidelines. * Holds discussions/interview with auditee to gather information, obtains explanations and supporting data/information and documents audit findings and the conclusions drawn. * Keeps the Senior Auditor and/or Audit Manager abreast of progress, issues and audit matters as they arise. * Contributes to the drafting of audit observation sheets and audit reports. * Supports and or participates in audit exit meeting with management. * Ensures written reports are properly prepared and formatted for distribution. *Must-Have** * Bachelor's Degree or equivalent * Minimum 3 years experience in performing internal control audits and risk assessments required. * Minimum 1 year of public accounting and/or private industry experience with knowledge of accounting, finance and internal control areas required. *Skills and Knowledge* * Understanding of risks, internal controls, work paper documentation and issue identification concepts and experience in applying them to plan, perform, and report on the evaluation of various business processes/areas/functions. * Ability to work independently or under the guidance and supervision of a Senior Auditor. * Strong verbal and written communication skills, to effectively present to peers and management. * Ability to exhibit leadership skills needed to convey ideas and obtain management buy-in for constructive change. * Understanding of internal auditing standards, COSO and risk assessment practices. * Understanding of the technical aspects of accounting and financial reporting. * Experience in performing multiple projects and working with varying team members. * Prior financial services industry experience is a plus. *Compensation* Starting base salary: $60,500 - $104,500 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** ABOUT CITY NATIONAL City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves. *City National Bank does business in Miami and the state of Florida as CN Bank. For more information about City National, visit ********************* *EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION* City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. ************************************************************************************************** If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job. \#LI-KTB \#CA-KTB

Princeton, New Jersey **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (************************************************************************************** **:** Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of the largest businesses of its kind in the world specializing in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance. Merrill's Financial Advisors and Wealth Management Client Associates help clients pursue the life they envision through a personal relationship with their advisory team committed to their needs. We believe trust comes from transparency. Our trusted advisory teams are equipped with access to the investment insights of Merrill coupled with the banking convenience of Bank of America. Merrill is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Merrill, we empower you to bring your whole self to work. We value diversity in our thoughts, business, and within our employees and clients. Our Wealth Management team represents an array of different backgrounds and bring their unique perspectives, ideas and experiences, helping to create a work community that is culture driven, resilient, results focused and effective. **Job Description:** The Business Manager role is a key contributor to a Financial Advisor team in creating strategy and ensuring execution related to multiple metrics and priorities across the teams business plan and goal deliverables. Helps manage the teams business plan and practice financials. Tracks progress with quantifiable business and activity goals and ensures team daily activities aligns with practice metrics, goals and objectives. Coordinates team assignments, projects and key initiatives, and ensures execution of teams client service strategy. Requires a thorough knowledge of the Merrill Lynch Wealth Management business functional area and products. Requires a working knowledge of general bank policies, programs and procedures and financial/accounting practices. This position may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination. **Required Qualifications:** + Series 7, 63/65 or 66 or equivalent; must obtain all state registrations held by the Financial Advisor(s) and Advisor Team(s) they support + SAFE Act Registration; ADV-2B Required + Obtain and/or maintain at least one firm approved designation + Strong leadership abilities, communication and delegation skills + Understanding of how to deliver a strong overall client experience + Thorough knowledge and understanding of the suite of Wealth Management products and services + Proven ability to manage risk and make sound decisions by having a deep understanding of industry regulations, supervisory requirements and policies/procedures + Strong analytical skills with ability to identify trends, root cause and effects and implement improved processes to increase growth and mitigate risk + Ability to influence and demonstrate strong and effective leadership through clear communication and collaboration with other partners to make sound decisions with courage and conviction; demonstrated ability to influence to the desired outcome, without direct authority **Skills:** + Administrative Services + Customer Experience Improvement + Project Management + Sales Performance Management + Strategy Planning and Development + Business Acumen + Business Analytics + Candidate Screening + Coaching + Continuous Improvement + Account Management + Process Simplification + Reporting **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

The Post-Closing Coordinator is responsible for the timely delivery and monitoring of all loans being sold on the secondary market to ensure maximum profitability. The Post-Closing Coordinator is also responsible for the timely delivery and transfer of data to our servicer on all of the Bank's portfolio loans. Essential Functions Review signed settlement documents for accuracy and compliance Timely and accurate deliverance of all loan data for loans being sold on the secondary market Timely and accurate deliverance of appropriate loan documents and data to our servicer for all portfolio loans Monitor, communicate and obtain all suspense conditions of all loans delivered on the secondary market to ensure timely funding Collaborate with team members and Management to identify or recommend potential solutions/exceptions for non-sellable or denied loan files Maintain a high level of efficiency to ensure expiration dates are met Maintain current knowledge of all industry and bank program changes, policies and procedures Additional Functions Work with Operations Manager at identifying any training deficiencies within the department Work with Operations Manager in creating and implementing any process changes that might be needed due to investor or servicer policies Assist department with any other assigned duties MERS Officer for the Mortgage lending department Education and Experience 5 years conventional mortgage experience required 5 years closing/post-closing operations experience required Ability to analyze settlement packages and title reports is required Detailed knowledge of FNMA/FHLMC guidelines is required Knowledge of Automated Underwriting Systems LP/DU is recommended High school diploma or equivalent required Four-year college degree preferred Excellent communication skills, both written and verbal, are required Excellent computer skills in a Microsoft Windows environment including proficiency in Word, Excel and Outlook are required Knowledge, Skills, and Abilities Knowledge of basic mortgage forms and documents Ability to work in paperless and remote environment Effective interpersonal relationship building skills Strong computer skills Detail oriented and accurate data entry Strong organizational skills Ability to work in a fast-paced environment All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or s at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.

*INVESTMENT CONSULTANT - Remote based in TX* WHAT IS THE OPPORTUNITY? Expand and deepen the network of Independent Financial Advisors, CPA's & attorneys referring clients to Royal Bank of Canada (RBC) Rochdale and to communicate and meet high net worth investors who have expressed an interest in RBC Rochdale investment services. Develops "partnering" relationships with Independent Financial Advisor, accounting firms, and estate planning firms with the objective of providing the highest level of investment management services to their clients. Performance in the role is based on the acquisition of new assets under management. WHAT WILL YOU DO? * Develop and implement programs designed to increase the quality and quantity of Independent Financial Advisors, accounting and law firms referring clients to RBC Rochdale. * Ensure that Independent Financial Advisors are kept abreast of firm and industry developments. * Ensure that the transition from the sales process to portfolio management is smooth and accurate. * Facilitate the new accounts and account transfer process. * Handle Independent Financial Advisor and client communication. * Prepare client presentations. * Communicate regularly with centers of influence to ensure that products and services are meeting their needs, expectations and specifications. * Facilitate and conduct individual meetings and presentations in assigned territory. * Generate new assets to the firm using a highly professional consultative sales approach. WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * Bachelor's Degree * Minimum 5 years of financial experience preferably in Investment Management * 2 years of experience in the High Net Worth or Ultra High Net Market markets * 2 + years delivering formal client presentations * FINRA Series 7 and 63 or 66 licenses * Ability to travel 40-50% of the time *Additional Qualifications* * CFA - Chartered Financial Analyst (or in process of becoming CFA Charterholder) * Highly competitive and goal-oriented * A focus on sales and new business development * Masters Degree preferred * Working knowledge of portfolio management, including knowledge of investment techniques and asset allocation, investment research, capital market behaviors, and financial instruments generally acquired through years of investment and /or HNW related experience. * Experience in the High Net Worth or Ultra High Net Market markets * Working knowledge of financial planning, investment and/or HNW economic issues (aka "continual learner") and the ability to apply principal techniques of portfolio management, along with excellent communication skills to effectively interface with clients and investment colleagues. * Prior success in the HNW or UHNW market * Excellent communication skills * Self-motivated and self-disciplined * Strategic thinker, able to assess and recommend a course of action * Highest level of both personal and professional demeanor and ethical behavior *WHAT'S IN IT FOR YOU?* *Compensation*Starting base salary: $101,231 - $172,355 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job. \#LI-DN1 \#CA-DN1

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for infrastructure tool/service designs within technical domains in accordance with architectural governance, standards and policies. Key responsibilities include facilitating deployment of tools/services by leading others in solution development, maintenance of templates, playbooks and automation used during implementation. Job expectations include demonstrating expertise within technical domains, decomposing issues or objectives into work units, advancing efficient solution delivery practices, and promoting exceptional design, engineering and organizational practices. Enterprise Cloud Platforms Team: Enterprise Cloud Platforms team in the CTI organization offers Private and Public Cloud platforms for Bank of America's developers to drive faster time-to-market, innovation with private and public cloud capabilities, and reduce complexity with bult-in integrations. We believe in high quality engineering culture to engineer our platforms with customer and platform mindset, design for large enterprise scale and resilience, and accelerate market innovation into the technical platforms we deliver. As part of this team, you will have a large impact on the evolution of next generation Cloud services for Bank of America and explore an extensive list of new technologies that will drive innovation across our company. This individual as a Cloud Platforms Infrastructure Lead role is responsible for overseeing the design, implementation, and management of secure and efficient network architectures within cloud environments. This role involves collaborating with cross-functional teams to develop and maintain network security protocols and implement best practices and deliver high quality network/security services. The lead will also be responsible for identifying potential security threats, conducting assessments, and required design development and automation. The ideal candidate will have extensive experience in cloud platform networking, security technologies and a solid understanding of compliance requirements with cloud infrastructures. This position requires strong leadership skills and ability to communicate effectively with technical and non-technical stakeholders. Position Summary: Design and implement secure network architectures for cloud platforms Lead a team of engineers in developing network security strategies and policies Write public cloud infrastructure as code automation using tools such as Terraform Design and develop public cloud landing zones automation to build core cloud foundational platform services Develop cloud services provisioning automation with integrated capabilities of IAM, network, security policies as code, and observability Collaborate with technical product management and operations, to deliver the engineering roadmap in Agile model Partner with Information Security teams to engineer secure app patterns into Cloud platforms Assist in translating business requirements into technical definitions, reference models, blueprints, and playbooks for deployment in compliance with architecture standards and policies Assist technical Analysts and Infrastructure Engineers by ensuring that technology solutions comply with enterprise system design and engineering standards. Promote an inclusive and healthy working environment and help to resolve organizational impediments/blockers Required Qualifications Extensive knowledge (7+ Years) in cloud network and security technologies including experience in enterprise across DMZ, DC, and WAN infrastructure. Solid understanding of cloud networking concepts, subnets, routing, load balancing, firewalls, and cloud security. Strong knowledge of Microsoft Azure Cloud, certification preferred. AWS and GCP desirable. Experience in enterprise-scale environments, building highly available IaaS and PaaS solutions Experience with agile collaboration and project management tools such as Confluence, Jira and Kanban] Ability to quickly gather business requirements and match them to existing service offerings or new solution requirements. Experience building and working with Cloud infrastructure and virtual appliances.\ Experience building and working with Hybrid/Private overlays such as SDN technologies Experiencing migrating corporate applications to public Cloud Deep knowledge of best practice Cloud security and Threat modeling Knowledge of protocols, operating systems, hypervisors and distributed systems architectures General knowledge of common configuration management and automation tools. Proficient in network/Cloud monitoring and performance tools/testing/benchmarking. POC/RFP documentation and review experience. Excellent collaboration/communication skills and ability to work in a global team. Understanding of traffic management (e.g proxy and load balancer) and DDI (DNS,DHCP,IPAM) tools. Experience in DevOps and GitOps models with infra-as-code, config-as-code, policy-as-code, etc. Proficient in translating designs into fully developed Terraform code. Understanding of landing zones, cloud-native security, monitoring and logging tools, and Well-Architected Framework principals. Experience with containers related technologies and CICD tools - Jenkins, pipelines, container repos, etc. Experience in Cloud logging, monitoring, and observability tools Proficient in at least one scripting language (i.e. Bash, Python). Strong analytical, problem solving and organizational skills Desired Qualifications Experience in financial services industry Experience on technology and infrastructure teams General Linux\UNIX system administration and scripting. Cloud provider certifications (e.g. AZ-700) Experience with architecting private/public Cloud solutions. Familiarity with Container and Mesh technologies (Docker, Kubernetes, OpenShift, Consul) Responsibilities: Confirms that application and business requirements have been translated into technical definitions, reference models, blueprints, and playbooks to guide development and integration of technology solutions Contributes to the creation/selection of functional and non-functional product evaluation requirements within and across domains Reviews and may develop software solutions to address manual and repeatable work or inefficient processes Reviews and guides the evaluation of reference models, blueprints, playbooks and the execution of on-site evaluations of third-party products being considered for firm adoption Mentors and assists Infrastructure resources on infrastructure service along with application integration validation methods and tools to ensure that technology solutions comply with enterprise system design and engineering standards Promotes an inclusive and healthy working environment and help to resolve organizational impediments/blockers Skills: Analytical Thinking Application Development Production Support Risk Management Solution Design Automation Business Acumen DevOps Practices Solution Delivery Process Stakeholder Management Adaptability Architecture Innovative Thinking Project Management Technical Strategy Development Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - NJ - Jersey City - 101 Hudson St - 101 Hudson (NJ2101) Pay and benefits information Pay range$108,100.00 - $165,200.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of the largest businesses of its kind in the world specializing in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance. Merrill's Financial Advisors and Wealth Management Client Associates help clients pursue the life they envision through a personal relationship with their advisory team committed to their needs. We believe trust comes from transparency. Our trusted advisory teams are equipped with access to the investment insights of Merrill coupled with the banking convenience of Bank of America. Merrill is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Merrill, we empower you to bring your whole self to work. We value diversity in our thoughts, business, and within our employees and clients. Our Wealth Management team represents an array of different backgrounds and bring their unique perspectives, ideas and experiences, helping to create a work community that is culture driven, resilient, results focused and effective. Job Description: This job is responsible for developing and maintaining a network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities from Bank of America Merrill Financial Advisors. Key responsibilities include responding to customer inquiries and referrals, conducting interviews with prospective borrowers, determining customer financing objectives, and advising customers of product/pricing policies and guidelines, while maintaining regulatory and compliance requirements of the Line of Business. This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination. Responsibilities: Manages prospecting clients and the initial structuring processes, while determining customer financial objectives and lending needs Negotiates with the client on lending terms, preparing deal justification and related documentation, and advising on related policies and guidelines Maintains a network of relationships to drive business referrals for lending opportunities Works directly with clients through final loan approval and closing as necessary and ensures data quality of client and deal information Provides guidance to effectively challenge and influence the strategic direction and tactical approaches of priority decisions Maintains thorough knowledge of lending programs, policies, procedures, and regulatory requirements and understands the suite of Wealth Management products and services to support business requirements Manages multiple tasks and sets priorities in line with the bank's overall strategy and prioritization Required Experience/Skills: Minimum 5 years first mortgage origination experience, or a minimum 3 years mortgage origination experience with an additional two years of experience in the financial services industry. Has significant experience building relationships with clients. Has a working knowledge of federal regulations governing real estate lending. Can build and maintain solid referral base (that is, strong community involvement/ties, established relationship with assigned Merrill financial advisors). Strong computer skills including Microsoft applications and previous experience using laptop technology for communication purposes including accessing rate, credit and loan status information. Takes ownership, accountability and can demonstrate integrity. Understands processing, underwriting and/or closing procedures. Self-motivated and highly organized. Effective communication skills. Prioritizes multiple competing tasks. Client Solutions Advisory Collaboration Data Privacy and Protection Influence Networking Attention to Detail Client Management Credit Documentation Requirements Customer and Client Focus Problem Solving Active Listening Causation Analysis Conflict Management Loan Structuring Referral Management Preferred Experience/Skills Demonstrated success in prospecting, generating leads, closing business and consistently meeting/exceeding production goals. Strong background in credit solutions, ranging from standard to custom mortgage products and other securities-based lending. A bachelor's degree in business or related field experience. Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - NJ - Bedminster - 1 CROSSROADS DR (NJ2921), US - NJ - Bridgewater - 100 SOMERSET CORPORATE BLVD (NJ2807), US - NJ - Flemington - 200 State Route 31 (NJ2122) Pay and benefits information Pay range$65,000.00 - $90,000.00 annualized salary, offers to be determined based on experience, education and skill set.Formulaic incentive eligible This role is eligible to participate in a formulaic incentive plan. Employees are eligible for incentives as detailed by the specific line of business incentive plan provisions. Formulaic plans may be comprised of monthly, quarterly and/or annual incentive opportunities. Incentives are earned based on the employee's performance against defined metrics.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

The Universal Banker position is responsible for demonstrating excellent customer service in accordance with the Bank's Core Values and to maintain a well-developed working knowledge of the Bank's products & services. This includes an ethical approach to uncovering client needs and recommending appropriate products, services, and solutions to meet the client's short-term and long-term financial goals. The Universal Banker will be responsible for opening accounts, handling transactions, selling/cross-selling bank products and services as well as resolving simple and complex customer service issues. Individuals must be a self-starter and goal oriented with a passion to succeed. Essential Functions Identifies, develops, and closes sales; applies needs based selling techniques to generate product interest; actively cross-sells products/services. Actively engage in meaningful conversation with customers in order to seek a thorough understanding of their complete financial needs. Recommend products and services to support the customer's needs, through in person efforts, referrals to other lines of business, and marketing campaign outreach. Serves as digital expert with the ability to demonstrate above average knowledge of all digital channels in an effort to cross sell and expand existing relationships. Drives proactive sales and service conversations through inbound and outbound interactions. Deepens existing customer relationships through a variety of proactive sales and service initiatives which should be captured in 360 View. Actively participates in all branch activities, including but not limited to Huddles, Retail Calls and Sales meetings. Meet customers' needs by conducting accurate needs assessments, providing information on products and services, informing customers on how to conduct their banking business, and delivering customer service that meets established quality standards. Process customer transactions such as deposits, withdrawals, transfers, wires and payments, accurately and efficiently Count, organize, and safeguard cash and other negotiable bank items. Assist customers with inquiries and solve problems in a professional and courteous manner. Perform daily branch operations such as proving cash draw and branch vault, scanning teller work, and filing paperwork. Open new accounts ensuring all required documentation is obtained and is accurate. Comply with all established policies and procedures. Maintain technical and professional knowledge by attending educational workshops and training, reviewing bank policies and procedures, keeping informed of updates and upgrades to products and services, and staying informed of any legal, policy, and procedural changes relating to retail banking. Comply with BSA/KYC policies and procedures to mitigate risk and reduce/eliminate fraudulent transactions Completes transactions accurately and ensure the safety of the bank Travel required for meetings, community involvement and assistance covering local branches. Participate in community and volunteer events that are endorsed by the bank. Education and Experience High School Diploma or equivalent with at least 3-5 years of comparable Retail experience. College degree preferred, not required. Prior cash handling or customer service experience Must be extremely organized and detail Must work well in a fast-paced, team environment. Excellent communication skills, both written and verbal, are Excellent computer skills in a Microsoft Windows environment including proficiency in Word, Excel and Outlook are required. Familiarity with bank systems, i.e., CRM, financial apps is strongly preferred. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or s at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.

*COMML REVIEW APPRAISER SENIOR* WHAT IS THE OPPORTUNITY? The Commercial Real Estate Review Appraiser is responsible for the engagement of third-party vendors and review of appraisal reports for the Bank's real estate secured loans and related supporting functions. This position works to minimize risk by conducting valuation research, analysis and providing guidance and recommendations to the lending and credit risk staff. The Commercial Real Estate Review Appraiser will be evaluating a variety of property types, including but not limited to, industrial, multi-family, office, retail shopping centers, special use, etc. WHAT WILL YOU DO? * Primary responsibility is to manage the full process of a valuation request from the procurement of the appraisal report to the completion of the review report. * Develops scope of work for soliciting appraisals bids in line with internal appraisal selection process and provides lending team with recommendations. * Maintain effective communication with engaged vendors and manage issues/field questions to maintain the integrity of the appraisal assignment. * Reviews the quality and accuracy of appraisal reports to ensure compliance with federal and state regulations, including FIRREA, Interagency Appraisal and Evaluation Guidelines, Uniform Standards of Professional Appraisal Practice (USPAP) and internal Bank policies, as well as review the reasonableness of the value conclusion (if warranted, develop an internal value conclusion). * Coordinates the resolution for any appraisal deficiencies with third party vendors and request revisions, as well as being a liaison between lending team and appraiser regarding any appraisal disputes. * Monitors regulatory standards and industry guidelines for any changes that impact the real estate valuation process; assists with updating related internal policies, procedural manuals, and research libraries. * Familiarity with trends in local markets, being knowledgeable of economic and industry changes, and applying that knowledge to ascertain the accuracy and quality of appraisal reports under review. * May complete internal real estate market evaluations on commercial or residential properties where an appraisal report is not required. * Provide support to the department on additional responsibilities as directed. WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * Bachelor's Degree or equivalent * Minimum 7 years of experience appraising and/or reviewing appraisals of various commercial property types for a financial institution required. * Minimum 5 years of experience in real estate, banking or financial industry * Property/Real Estate Management\Certified Real Estate Appraiser *Additional Qualifications* * Strong written and oral communication skills with an ability to effectively communicate between the lending team and third-party vendors. * Proficiency with Microsoft Word, Excel and cash flow software applications such as Argus; familiarity with appraisal order management software. * Must have a clear understanding and knowledge of USPAP and federal appraisal regulatory requirements. * Strong analytical and research skills; developed technical writing ability. * Proven ability to be self-motivated and manage multiple projects simultaneously in order to meet deadlines and quality standards. * Strong problem resolution and analytical skill; ability to make objective decisions based on analysis of data within restricted time frames. * Familiarity with environmental assessment reports is a plus. *WHAT'S IN IT FOR YOU?* *Compensation*Starting base salary: $70,000 - $130,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

Mount Laurel, New Jersey **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (********************************************************************************************************************* **:** Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of the largest businesses of its kind in the world specializing in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance. Merrill's Financial Advisors and Wealth Management Client Associates help pursue the life they envision through a personal relationship with their advisory team committed to their needs. We believe trust comes from transparency. Our trusted advisory teams are equipped with access to the investment insights of Merrill coupled with the banking convenience of Bank of America. Merrill is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Merrill, we empower you to bring your whole self to work. We value diversity in our thoughts, business, and within our employees. Our Wealth Management team represents an array of different backgrounds and bring their unique perspectives, ideas and experiences, helping to create a work community that is culture driven, resilient, results focused and effective. The Advisor Development Program is designed for individuals excited to make a career transition and follow their passion of becoming a Financial Advisor. **Job Description:** The Wealth Management Client Associate - Advisor Development Program (WMCA - ADP) role is an entry role into our Advisor Development Program where the destination role is becoming a full-scale Financial Advisor at Merrill. This progression role is responsible for providing client service support to Financial Advisors (FAs). As a WMCA - ADP your journey begins by obtaining your Securities Industry licenses, where you will receive dedicated study time for your Securities Industry Essentials [SIE], Series 7, and Series 66 Exams. Your SIE, Series 7 & 66 must be obtained within 120 days; (63 & 65 accepted, in lieu of 66, if previously held). Once you obtain your licenses, you will be taught the foundational skills needed to be a WMCA - ADP. This job is responsible for providing client service support to multiple FAs. Key responsibilities include supporting enterprise strategic objectives, operational excellence goals, and client advocacy within the FA's business, while customizing solutions based on their specific needs. Job expectations include serving as the most frequent point of contact within Merrill to address all service needs of their clients and acting as a resource for FAs on the team. Once you have reached your key milestones, including proficiency in your current role and the completion of experiential activities showcasing your ability to become an advisor, you will then progress into the next stage of the Advisor Development Program, beginning building a book of business as a Financial Advisor trainee. You will complete dedicated training preparing you for this role and once complete you will continue to work in a Merrill office where you will be acquiring, building, and managing client relationships while considering a client's complex financial picture and guiding them with advice and solutions. Once you complete your performance requirements as a Financial Advisor trainee you will reach the ultimate destination of becoming a Merrill Financial Advisor. You will be supported along the way with dedicated programs, tools, and resources throughout your career journey. **The Advisor Development Program consists of progressive roles to ultimately become a Merrill Financial Advisor. Our progressive roles in the Advisor Development Program engage in:** + Developing a book of business in order to meet and exceed established performance hurdles + Effectively prioritizing and sourcing prospective clients, capitalizing on referrals, assessing customer needs, referring customers to the appropriate internal specialists, and executing highly customized solutions to meet client needs + Recommending investment products and services that are suitable for prospects based on their objectives, resources, time horizon, risk profile and preferences + Balancing investment growth, referral activities, customer follow up, prospect building, administrative compliance and personal growth and development according to both a day-to-day and longer-term planning + Organizing and managing resources (time, people, budget) to run a productive practice + Seeking the expertise of specialists, where appropriate, to identify planning and investment strategies for a client + Completing mandated training, assessments, performance goals and continuing education requirements **We'll help you** + **Build a successful career** at Bank of America through world-class training and on-boarding programs that set you up for success. + **Get training and one-on-one coaching** fromour-award winning Academy at Bank of Americaand local leadership who are invested in your success. + **Grow your business knowledge** by using a defined consultative approach to systematically identify client needs and appropriate solutions. + **Provide end-to-end comprehensive advice** , deliver clientreviews/presentationswith confidence and recommend strategies to help achieve their financial goals and life priorities. + **Collaborate with core banking and investment partners.** Connect to all the solutions we provide through Bank of America and Merrill to meet virtually all their financial needs. **Required Qualifications:** + Displays confidence working as a self-starter in a sales role + Builds strong client relationships through effective communication and collaboration + Displays a proactive mindset and effective time management + Demonstrates a results-driven growth mindset and prioritizes client interests + Identifies appropriate client solutions through application of learnings and new information + Exceptional interpersonal and relationship building skills + Effective communication skills (written and verbal) + Proven ability to quickly build trust and credibility + Proven ability to assess needs of and recommend appropriatesolutions + Proven ability to work both collaboratively on a team with key partners and independently + Proven ability to listen and probe for clarity and understanding + Entrepreneurial mindset with a proven ability to source clients through extensive prospecting and networking + Strong follow-through skills + Computer/technical literacy and proficiency in applications such as Microsoft Suite **Desired Qualifications:** + Bachelor's degree and/or a minimum of one year of work experience + Learns and adapts to new technology or applications + Executes multiple tasks simultaneously **Job Responsibilities:** + Partners with Financial Advisors, Client Relationship Managers, and Market Supervision Managers on all aspects of client servicing, risk, investments, and banking products, while receiving appropriate guidance and escalating issues as needed + Provides excellent Client Service to the bank's clients through educating them on all of the bank's service and banking offerings + Ensures timeliness, accuracy, and completeness in client materials and follows up on all client and Financial Advisor (FA) requests + Assists with ensuring practices are in alignment with the bank's policies and procedures to support operational excellence, protect the bank's clients, and manage risk + Identifies, deepens, and maintains client relationships through emphasizing the bank's offerings and promoting incorporation of banking into day-to-day practices, while communicating outputs to the FA + Performs general business growth support functions aligned to the role of the Client Associate or Wealth Management Client Associate, providing business development, investment solutions, and/or business management support to multiple FAs **Skills** **:** + Account Management + Client Management + Customer and Client Focus + Issue Management + Oral Communications + Business Development + Client Solutions Advisory + Pipeline Management + Prioritization + Trade Operations Management + Administrative Services + Client Investments Management + Emotional Intelligence + Referral Identification + Written Communications This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in your immediate termination. **Shift:** 1st shift (United States of America) **Hours Per Week:** 37.5 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for developing and delivering complex requirements to accomplish business goals. Key responsibilities of the job include ensuring that software is developed to meet functional, non-functional and compliance requirements, coding solutions, unit testing, and ensuring the solution can be integrated successfully into the overall application/system with clear, robust, and well-tested interfaces. Job expectations include an awareness of development and testing practices in the industry. Responsibilities: Codes solutions and unit test to deliver a requirement/story per the defined acceptance criteria and compliance requirements Utilizes multiple architectural components (across data, application, business) in design and development of client requirements Performs Continuous Integration and Continuous Development (CI-CD) activities Contributes to story refinement and definition of requirements Participates in estimating work necessary to realize a story/requirement through the delivery lifecycle Contributes to existing test suites (integration, regression, performance), analyze test reports, identify any test issues/errors, and triage the underlying cause Performs spike/proof of concept as necessary to mitigate risk or implement new ideas Required Qualifications: Must be able to work some weekends (could be one weekend a month) and participate in a rotation on call schedule Three to five years extensive working experience with Unix/Linux shell scripting, software installation, new builds and deployments Three to five years working with networking and distributed computing concepts, including the principles of network routing and client/server architecture Design and architecture of web-based applications and server technologies (Linux), Databases (SQL Server, Oracle, Teradata, MongoDB, etc.), Storage (EMC, NetApp, S3, etc.), Network (DNS, F5, Load Balancers, etc.), Security (Active Directory, LDAP, SAML, etc.). Experience with the following technologies: Container (OpenShift, Docker, swarm, kubernetes) Web, Nginx, AJAX, Javascript, HTML, XML, JSON) Data Science / Artificial Intelligence Stack (Python, Nvidia, TensortRT, Huggingface etc ) CI/CD tools (Ansible, BitBucket, Artifactory) Ability to multi-task and address complex support issues in a mixed technology environment Works effectively in both team member and individual contributor roles Desired Qualifications: Experience and understanding of Natural Language Processing products, not limited to: Python, Instabase, H2O, and other Free Open Source Software supporting Data Science. Project, Process, or Change Management Knowledge of statistics or analytical modeling 2+ years of relevant work experience Proficiency in programming language(s) required for the role Skills: Application Development Automation Collaboration DevOps Practices Solution Design Agile Practices Architecture Result Orientation Solution Delivery Process User Experience Design Analytical Thinking Data Management Risk Management Technical Strategy Development Test Engineering Shift: 1st shift (United States of America) Hours Per Week: 40 Pay Transparency details US - NJ - Jersey City - 101 Hudson St - 101 Hudson (NJ2101) Pay and benefits information Pay range$88,800.00 - $144,800.00 annualized salary, offers to be determined based on experience, education and skill set.Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.BenefitsThis role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Summary: This job is responsible for performing more complex analysis aimed at improving portfolio risk, profitability, performance forecasting, and operational performance for consumer products and related divisions, such as credit cards. Key responsibilities include applying knowledge of multiple business and technical-related topics and independently driving strategic improvements, large-scale projects, and initiatives. Job expectations include working with business counterparts within the Line of Business and partner organizations including Risk and Product teams. This opportunity encompasses identifying, developing and executing innovative, high performance strategies to mitigate inherent internal fraud risks across Consumer and Small Business Banking. Responsibilities: Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance Coaches and mentors peers to improve proficiency in a variety of systems and serves as a subject matter expert on multiple business and technical-related topics Identifies business trends based on economic and portfolio conditions and communicates findings to senior management Supports execution of large scale projects, such as platform conversions or new project integrations by conducting advanced reporting and drawing analytics based insights Leveraging independent risk management acumen, business partner subject matter expertise and historical event data to recognize emerging or existing internal fraud threats Identifying data sources and extracting and working with large, complex datasets in a variety of environments Performing outlier analysis to identify high risk activities and behaviors displayed by employees that may be indicative of internal fraud Developing sophisticated code that will isolate aberrant patterns and behaviors to be presented to analysts for independent investigation Partnering with operational teammates to refine methodologies to efficiently and effectively assess suspicious activities identified by strategies Measuring and communicating performance and impact of internal fraud strategies Leading / contributing to collaborative routines that ensure optimal performance of the end to end internal fraud detection process Being an engaged, independent worker that is motivated by and actively contributes to team success and a positive work environment Required Qualifications: Technical skills: proven, advanced SAS / SQL programming capabilities Risk management skills: ability to anticipate and proactively identify threats and analyze and solve complex problems Analytical skills: ability to collect and consume data from large, diverse datasets to independently develop risk control solutions Relationship building skills: proven track record of fostering and maintaining mutually beneficial partnerships across organizations with competing priorities Communication skills: ability to effectively and influentially communicate verbally and in writing at all levels within the organization Thought leadership: constant curiosity about transformative ways to improve our process, business outcome, workplace culture Ability to learn and adapt: fast-paced, dynamic environment with shifting risk landscape Team-first attitude: actively contribute to a welcoming workplace with positive team dynamics and a culture of trust in a geographically dispersed organization Desired Qualifications: Expertise in additional programming languages and data environments Prior fraud detection experience highly desired Prior Center / Call Center experience/acumen Skills: Analytical Thinking Business Analytics Data and Trend Analysis Fraud Management Problem Solving Collaboration Innovative Thinking Monitoring, Surveillance, and Testing Presentation Skills Risk Management Data Visualization Interpret Relevant Laws, Rules, and Regulations Issue Management Oral Communications Written Communications Shift: 1st shift (United States of America) Hours Per Week: 40

The Credit Department Manager must have an extensive understanding and background of all aspects of the commercial loan underwriting and financial analysis process. Must promote a positive credit culture throughout the bank. Essential Functions Oversee the function of the Credit Underwriting Group (CUG) to facilitate the timely review of all loan transaction and servicing requests as presented. Supervise and train department analyst's to continue their growth and knowledge levels in all facets of lending and the bank's goals and philosophies Conduct performance reviews for direct reports Ensure quality underwriting and meaningful financial analysis for all loan proposals Interact with Loan Closing and Loan Officers to identify and eliminate issues to improve the overall loan process Make recommendations based on credit findings for all transactions in excess of lending authority Communicate with all bank departments as well as outside attorneys, appraisers, environmental assessors, etc. Complete special projects as assigned by Chief Credit Officer Additional Functions Report monthly to Chief Credit Officer on all of the following: CUG projects in process, Pipeline Summary, Commitments Outstanding, and Loans processed by individual Credit Analyst. Manage the incoming new loan requests with proper credit analyst based on complexity of transaction and deal deadline. Manage the accountable for the integrity of all credit underwriting processes. Inadequacies in these processes can lead to loan delinquencies and charge-offs, increased legal, administrative, and servicing costs. Obvious impact is to loss of Bank income. Education and Experience Bachelor Degree in Business, Accounting, or Finance Five years commercial underwriting experience. Knowledge of various loan products, including SBA and Business Manager, as well as previous supervisory experience of commercial loan credit analysts would be helpful Knowledge, Skills, and Abilities Thorough understanding of commercial credit underwriting concepts Ability to analyze financial statements, collateral, cash flow, projections, personal financial statements, tax returns, and varying balance sheet and income statement ratios General knowledge of the SBA program and SBA Standard Operating Procedures (SOP). Ability to complete assignments accurately and independently Ability to interact with the Board of Directors and Senior Management as well as other bank departments Ability to multi-task and prioritize workload, be detail-oriented, and work efficiently. Workload is fast-paced and requires timely determinations on all loan requests Time management skills are essential Must be a team leader and team player within the bank organization Strong communication skills, and ability to interact with customers is important Microsoft Suite Navigator, Abrigo and any financial spreading software Physical Requirements Ability to sit for long periods of time up to 75% of work hours. Ability to use computer keyboard and system to enter data and process information Working Conditions Moderate sound as in business office with office machines, computers, and people traffic. Compliance It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or s at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.

The Commercial Loan Specialist is a key support function to the commercial lending team. She/he assists with various commercial loan servicing activities, including but not limited to on-boarding of new and existing customer information, direct follow up with customers for required information, assist lending team with meeting reporting deadlines, database management, site visits and preliminary underwriting and customer interaction and correspondence. Essential Functions Address overdrawn accounts situations Order credit reports on borrowers from Experian as needed. Perform site visits of customers place of business Assist team with prep of credit memos with the loan officers for various purposes, including renewals, commitment extensions and loan revisions. Process servicing requests for existing loan customers, such as statement requests and copies of other documents. Monitor and report on assigned loan portfolio activity to bank management as requested. Follow up with borrowers to obtain financial information or documentation Follow up with borrowers to obtain open items to facilitate the loan closing process. Obtain environmental report bids and engage vendors Coordinate with borrowers and branch staff to open required deposit accounts before closing. Communicate with people outside the organization on a regular basis including borrowers, brokers, and accountants. Analyze personal credit data and personal financial statements to assist in the completion of Letters of Interest and commercial credit underwriting Assist with commercial loan/payment collections Begin the Loan Proposal write up and input as much information as possible, including existing deposit and loan balances, property info, code page info, etc. Attend loan closing if the loan officer is unavailable, depending on level of experience Upload all documents and correspondence to Abrigo (financials, LPs, memos) Move loans to closing once signed commitment letter and fees are received Assist Portfolio Management with obtaining required financials and related information to complete Annual Reviews Job Requirements and Qualifications Job requires strict attention to detail and thoroughness in the completion of job duties. Job requires analysis of financial information with oversight by a manager Education and Experience Associates Degree preferred or related field or equivalent experience Three years + working at a Commercial Bank or Credit Union Knowledge of SBA lending programs preferred, but not required Licenses and Certifications N/A Knowledge, Skills, and Abilities Ability to work independently with limited supervision Ability to work in a structured environment with established procedures Professional behavior mandatory at all times Customer service oriented Good organizational skills and ability to multi-task Ability to effectively communicate with other bank departments Excellent reading comprehension Knowledge of administrative and clerical procedures and systems such as word processing, managing data, files, and records, designing forms, and other office procedures. Excellent computer skills in a Microsoft Windows environment including proficiency in Word Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to speak and write clearly to effectively convey information so that others understand and as appropriate for the needs of the audience. Ability to apply common sense understanding to carry out written and oral instructions. Physical Requirements Ability to sit for long periods of time up to 75% of work hours. Ability to use hands to grasp, handle or feel. Ability use computer keyboard and system to enter data and process information. Ability to talk, hear, and see. Ability to use telephone to communicate with customers and employees. Ability to drive for site visits of customers Use office equipment such as teller scanner, personal computer, telephone, mobile device, copier, fax machine, adding machine, etc. Working Conditions Moderate sound as in business office with office machines, computers, and people traffic. Open floor work environment. Compliance It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or s at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.

Responsible for the quantitative and qualitative analysis of applicants' requests for commercial loans. The incumbent will assess the character, capacity, capital, collateral, and conditions of loan requests and will prepare the credit proposal packages recommending the appropriate product and loan structure to manage credit risk. Essential Functions Analyze customer financial condition. Assist with loan packages from the time it enters underwriting until the approval is complete and file is sent to the closing department. Make a credit recommendation based on credit findings. Assist relationship managers with loan committee presentations. Minimize risk by establishing appropriate credit terms and conditions. Analyze paying habits of customers who are delinquent in payment of bills and recommends action. Provide excellent customer service and develop relationships with internal/external customers, vendors and COI's. Participate in department projects and take an active role in cross-functional teams to assist in driving quality improvements, processes, and initiatives. Actively participates in and communicates with members of the credit administration and other bank departments. Complete loan write-ups for new loans and renewals. Order reports such as Credit Bureau reports, appraisals, environmental reports, and D&B's. Complete memos for changes in approvals and other pertinent issues. Prepare commitment letters for newly approved loans. Be a mentor to level 1 credit analysts. Additional Functions Participate in process improvement projects. Job Requirements and Qualifications Job requires strict attention to details and thoroughness in the completion of job duties. Job requires thorough analysis of information and use of logic to address complexity of date and information. Education and Experience Bachelor's degree in accounting, finance, business, or related field, or equivalent years of relevant work experience in credit administration. Three - five years of experience in a financial institution's commercial loan department. Credit trained preferred Licenses and Certifications N/A Knowledge, Skills, and Abilities Intermediate knowledge of credit underwriting concepts. Knowledge of the SBA program preferred Fundamental knowledge of accounting, finance, and economic principals. Excellent oral and written communication skills. Excellent computer skills in a Microsoft Windows environment including proficiency in Microsoft Word, Excel, Outlook and PowerPoint. High reasoning skills including the ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to read, analyze, and interpret financial statements, collateral, cash flow, projections, personal financial statements, tax returns, and varying balance sheet and income statement ratios. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Ability to apply concepts of basic algebra. Ability to read, analyze, and interpret legal documents, governmental regulations, and professional publications. Ability to effectively present information and respond to inquiries from groups of managers, employees, vendors, government agents, and the general public. Ability to write reports and business correspondence. Ability to work independently with little supervision. Physical Requirements Ability to sit for long periods of time up to 75% of work hours. Ability to use hands to grasp, handle, or feel. Ability to use computer keyboard and system to enter data and process information. Ability to talk, hear, and see. Ability to use telephone to communicate with customers and employees. Ability to use office equipment such as teller scanner, personal computer, telephone, Blackberry, copier, fax machine, adding machine, etc. Ability to lift up to 20 lbs. at least 10% of work hours. Working Conditions Moderate sound as in business office with office machines, computers and people traffic. Compliance It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability. This is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment. This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or s at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload. Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States. Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.