Winchester Savings Bank jobs - 21 jobs

Summary/Objective Attracts, develops & maintains CRE & C&I business relationships within the Bank's lending radius. Expands commercial lending and commercial deposit relationships by actively cross-selling other bank products and services. Essential Functions Generates new business opportunities within the bank's defined lending area to attract and retain quality clients. Effectively screens new loan applicants; collects and analyzes financial and related data to establish creditworthiness; ensures the timely submission of a complete application with supporting documentation to create a smooth process from application to loan closing. Able to negotiate credit terms & conditions and structure loans in compliance with bank policies. Provides timely completion of file comments upon receipt & review of annual financial information Promotes and sells related bank financial products and services as appropriate Develops and maintains a network of professional relationships for referrals Participates in community activities to promote and strengthen the image of the bank. Competencies Experienced in negotiating and structuring a range of CRE & C&I deals from simple to complex; Solid financial analysis skills Understands loan documentation Strong organizational, reasoning & communication skills; Works well in a team environment; Self-motivated and independent with the ability to multi-task and meet deadlines Proficient PC skills in Microsoft Office Suite (Excel, Word & PowerPoint) Required education and Experience 3 years of Commercial Credit experience and/or Lending Officer Training Program; or 3 years of commercial lending experience. NoticeThis list of duties is not intended to be all- inclusive and may be expanded to include other duties that may be deemed necessary by management from time-to-time. The Bank reserves the right to modify, interpret, or apply the in any way the company desires and that the job description is not a contract for employment. All employment is “at will”. Also, employee is expected to have knowledge of and adherence to Bank policies and procedures. The employee complies with state and federal regulations and specific BSA/AML related regulations and all information security related regulations. Work Environment: This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. EEOC Statement: WSB provides equal employment opportunity to all individuals regardless of their race, color, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law.

Under the guidance of the Executive Vice President/ Chief Human Resources Officer, plans, manages and organizes the daily operations of the Bank's personnel functions in accordance with established Bank policies, procedures and strategic goals. Primary Responsibilities: Assists with the development and implementation of HR plans and strategies to support the achievement of overall strategic and business operations objectives. Oversees the development, and implementation of operational policies and procedures to ensure the efficient operation of all personnel functions. Oversees the completion and accuracy of procedures manuals, annual budget, and personnel files and records. Oversees the activities of subordinate personnel providing guidance with complex problems or situations. Communicates information on new and revised policies and procedures on an ongoing basis. Conducts performance evaluations of subordinates and communicates exceptions. Provides guidance to management with respect to HR-related policy interpretation, employment law, and employee relations issues as needed. Resolves employee relations matters. Ensures human resources practices comply with applicable laws and regulations. Designs and prepares all government and internal reports as needed and as required. Oversees and ensures the accuracy and completion of required reports, tracking and documentation for Affirmative Action and Diversity Equity, & Inclusion (DEI) compliance. May serve as Clerk of the DEI Committee. Assists in developing, conducting and evaluating learning & development educational programs. Maintains, facilitates, and ensures the ongoing effectiveness of management and leadership development programs. Assists with the development and implementation of comprehensive compensation and benefit plans that are competitive and cost-effective for the Bank. Oversees the implementation and management of the Bank's salary administration program. Maintains position evaluation system and ensures adequacy of salary structures. Manages approved incentive plans bank-wide and ensures compensation programs are up to date and competitive. Oversees the Bank's benefit programs. Ensures compliance with benefit regulations recommending improvements as needed. Communicates existing programs and changes to employees. Evaluates benefits package and retirement plans to assess competitiveness of the overall program and cost effectiveness to the Bank. Ensures compliance with vacation policy and guidelines. Serves as Clerk of the Retirement Plans Committee. Oversees the payroll function including all processing, filing federal and state tax returns, submitting required reports, processing entries for benefit withholding, etc. Monitors payroll and compensation compliance. Recommends improvements as needed. Resolves payroll and compensation compliance problems. Resolves payroll discrepancies. Assists with the development of comprehensive strategic recruitment to meet human capital needs based on strategic goals. Oversees recruitment process in accordance with established policies, procedures, and applicable laws. Manages employee satisfaction addressing issues such as, organizational change, agility, ethics and values, social networking, employee engagement and commitment. Performs operational audits to ensure compliance with established policies and procedures, and for compliance with laws and regulations in preparation for audits and regulatory exams. Assists in maintaining the Bank's talent management and succession planning programs providing guidance to management in employee career development matters. Recommends management tools and talent development strategies as needed. Other Responsibilities Include: Performs related managerial, administrative and special projects as required or assigned to ensure the ongoing effectiveness of the human resources function. Participates in civic activities to promote growth and development in the community and a positive image for the Bank. Maintains knowledge of the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and Office of Foreign Assets Control (OFAC) regulatory requirements. Ensures that management and staff members complete BSA - related annual training in a timely manner and that all BSA procedures are followed when applicable. Identifies and reports compliance related issues and suspicious activity. Represents the Bank as a member of various internal and external committees, local community groups, Human Resources affiliations and boards. Position Requirements: Bachelor's degree in Business Administration or related field. At least seven years of progressive experience in Human Resources with management experience. Excellent interpersonal, analytical, planning, problem solving and communications skills. Supervisory Scope: 2-3 direct reports 1-2 indirect reports Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Disabled/Veterans

East Cambridge Savings Bank's Retail Division is actively recruiting for Part-Time Customer Service Associates. Assigned work location may include Arlington, Belmont, Cambridge, Chelsea, Malden, Medford, Somerville, Waltham, or Woburn. Function: Under the general supervision of a Banking Center Supervisor, or Business Development Sales Manager, perform a wide variety of customer initiated transactional services and related accounting/clerical tasks. We are looking for a candidate with: Minimum of 1 year cash handling experience. Teller experience or Retail Banking preferred. Demonstrated sales skills and customer service experience in retail environment Excellent interpersonal and communication skills Must be a self-starter with ability to work independently Ability to take initiative Must be able to travel to most banking center locations Must be available to work evenings and every Saturday Spanish speaking preferred Essential Job Functions: Buy/sell teller cash to maintain authorized amounts. Greet and assist customers in a professional and personally responsive manner in accordance with East Cambridge Savings Bank's Customer Service Standards. Communicate general banking services information, and promote products and services. Direct customers to appropriate retail staff as needed, refer any problem situation to supervisor. Responsible for making referrals based on predetermined sales goals on a monthly/annual basis in accordance with the Bank's Customer Service Standards. Sell and cross-sell products and services to new and existing customers. Be knowledgeable and understanding of the customers' needs by conducting a needs analysis. Accept and process customer transactions through computer terminal. Cash customers' checks in accordance with Bank policy. Enter check holds and provide customers with appropriate hold notices. Sell money orders, treasurer's and travelers' checks; and redeem U.S. Bonds. Process cash advances. Complete all required Bank Secrecy Act training annually and maintain knowledge of current BSA related policies and procedures. To assist with Bank Secrecy Act compliance, recognize and document currency transactions and checks purchased in excess of $10,000, as well as checks purchased between $3,000-$10,000. Identify and report potential suspicious activity. Ensure proper documentation and accuracy of each transaction. Verify posting items, bond redemption forms for completeness and accuracy. Verify all cash transactions, double check incoming and outgoing cash. Train Clerk/Tellers in entry-level work, customer service standards, procedures and services. Evaluate work performance. Take computer totals and reconcile individual daily work - which involves: balancing daily work ensuring that all documentation is in order (i.e checks balance) and cash in proof. Open and close all types of products. Enter holds and provide customers with appropriate notice. Ensure that disclosures are completed and distributed to customer. Process related documents and distribute to appropriate departments on a daily basis. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Veterans/Disabled

East Cambridge Savings Bank's Lending Division is actively recruiting for a Part-Time Senior Loan Underwriter. Function : Under the general direction of the Vice President - Retail Lending Manager, perform a variety of clerical and administrative tasks in connection with the processing of Mortgage and Consumer loans. We are looking for a candidate with: Knowledge of basic lending and underwriting policies and procedures, including guidelines issued by FNMA and FHLMC, as well as federal and state regulations. Minimum of 3-5 years Mortgage Banking underwriting experience required. Must have excellent organizational, analytical, mathematical and problem solving skills. Must become a registered MLO in accordance with the S.A.F.E. Act Good verbal and written communication skills. Working knowledge of Microsoft Word and Excel. Essential Job Functions : Responsible for reviewing loan files and communicating with the Senior Loan Processor to ensure that application data is complete for underwriting purposes. Analyze applicant's financial status, credit and property evaluations to determine terms and conditions of approving the loan. Independently interpret underwriting guidelines and keep necessary parties informed of changes and updates. Recommend approval of customer applications for residential loans or extensions of real estate loan lines In the absence of the Mortgage Loan Originator assist the customer with questions regarding the loan application, terms of the loan and product information. Serve as liaison with customers, brokers and attorneys to resolve problems and to ensure that all documentation is accurate and complete. Respond to inquiries to provide guidance and clarification. Evaluate risk for each loan. Based on risk analysis, make an underwriting decision for each loan with limits up to secondary market guidelines. Ensure all decisions are accurately reflected in board reports. Respond to Lending Policy inquiries within scope of authority. Prepare application disposition correspondence including commitment letters, adverse action notices and corresponding appeal information; maintain status of all applications for accurate preparation of Pipeline Report; receive and transmit applicant's commitment and status updates to conveyancing attorney, originators and other employees as needed Responsible for audits of loan files prior to and after funding is obtained. Serve as liaison with customers, brokers, correspondent lenders, investors and attorneys to resolve problems and to ensure that closing documentation is accurate and complete. Confer with Management to aid in resolving mortgage application issues. Responsible for verifying HMDA information for accuracy at loan level. Keep abreast of residential and consumer loan products. Comply fully with all federal, state and local laws and regulations, policies and procedures, including but not limited to the S.A.F.E. Act and its registration, renewal and updating requirements. Keep abreast of all loan underwriting, processing and closing tasks and assist as necessary to maintain smooth and effective workflow and update the Bank's policies Assist with underwriting other loan products such as Consumer Loans, HELOCS, Small Business Loans, etc. as needed. Supportive Functions: Perform all related lending tasks and special projects as may be required or assigned. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Disabled/Veterans

East Cambridge Savings Bank's Retail Department is actively recruiting for an Investment Executive Function: Under the general direction of the Senior Vice President Retail, sells and provides information to customers in regards to non-deposit investment products in accordance with established Bank policies, procedures, and strategic goals. We are looking for candidates with: Bachelor's degree in Finance, Accounting, or related field or equivalent through specialized coursework and training NASD series 7 and 65 or 66 licenses Massachusetts Life and Health Insurance licenses Certified Financial Planner designation preferred Minimum 3 years investment sales/advisory experience Proven sales, marketing, and investment advisory skills Strong interpersonal skills Primary Responsibilities: Provides accurate, thorough, and understandable information regarding non-deposit investment products to customers. Analyzes and evaluates client portfolios. Recommends investment products appropriate for customers' stated objectives. Develops and maintains ongoing investment relationships with customers. Conducts on-going client meetings, including financial plan and investment reviews. Follows up on referrals generated from various sources including other Bank employees, advertisements, and direct mailings. Initiates investment transactions based on customers' instructions, prepare all necessary documentation ensuring accuracy, timeliness, and compliance with applicable laws, regulations, and industry standards. Assists customers in resolving any investment transaction discrepancies or concerns regarding the Bank's non-deposit investment sales program. Reports all customer issues to senior management in a timely manner. Meets established sales goals and objectives. Develops sales strategic plan including both direct sales and referral activities. Leads sales strategy and planning efforts and creates sales and promotional efforts in order to reach performance goals. Strategizes with Senior Vice President of Retail to assess market position and competition opportunities. Monitors plan to ensure completion of goals and objectives. Actively participates as a Banking Center team member. Works with other members of the team to meet performance goals, develops strategies and promotional efforts for the Center. Maintains a general understanding of all products and services offered in the Banking Center in an effort to effectively present these products and services to customers. Monitors team progress towards attaining goals and objectives. Oversees function of Financial Services Assistant. Conducts performance evaluation, provides guidance, training and development as needed. Keeps abreast of laws, regulations, and industry developments applicable to non-deposit investment products through ongoing education and training. Reports on changes and developments having potential impact on the Bank's non-deposit investment program, and recommends appropriate actions. Keeps abreast of competitive developments applicable to non-deposit investment products within the industry and the Bank's market area, and report on findings. Participates in marketing efforts to enhance the competitiveness of the Bank's non-deposit investment program. Participates in the development of employee training programs and customer information sessions for non-deposit investment products. As needed, conducts training programs and information sessions, monitor and report on effectiveness. Recommends employee recognition programs for referral efforts. Develops solid relationships with members of the community by networking through community involvement. Participates in civic activities to promote growth and development in the community, and a positive image for the Bank. Provides periodic reports on non-deposit investment sales/advisory activity, including customer prospects, sales, referrals, sources of invested funds, and the effectiveness of marketing promotions. Performs operational audits to ensure compliance with established policies and procedures, and for compliance with laws and regulations in preparation for audits and regulatory exams. Keeps abreast of Bank policies and procedures, deposit products and services. Maintains knowledge of the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and Office of Foreign Assets Control (OFAC) regulatory requirements. Ensures that management and staff members complete BSA related annual training in a timely manner and that all BSA procedures are followed when applicable. Identifies and reports compliance related issues and suspicious activity. Other Job Responsibilities: Performs various special projects related to area of responsibility. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Disabled/Veterans

Department: Consumer & Business Banking Reports To: Branch Manager EEO Code: Administrative Support FLSA Status: Non-Exempt N02 RELATIONSHIP BANKER SUMMARY DESCRIPTION To assist the bank in meeting its sales and service goals by cultivating customer relationships. This position is responsible for assessing customers' financial needs and cross selling additional products and services to retain customers and increase the profitability of the bank. Serve customers and service their accounts - including transaction processing - efficiently and in a manner which provides the highest level of customer satisfaction. Performs other duties necessary to complete branch customers' transactions. Represents the bank to customers with a courteous, friendly, and assured attitude. Ensures compliance with federal and state laws and regulations in addition to bank standard operating policies and procedures by avoiding violations, minimizing risk, and protecting the bank. ESSENTIAL JOB FUNCTIONS Process branch customers' transactions, including but not limited to receiving and verifying deposits; mortgage and loan payments; disbursement of funds by withdrawal; cashing checks, and other negotiable items requested by customers. Perform duties strictly in accordance with bank policy and procedure, promoting positive customer relations by providing exemplary service. Verify transactions and account balances and ensure that transactions follow bank policy, state and federal regulations such as Reg CC, Reg DD and Bank Secrecy Act (BSA). Understand and exercise customer identification procedures (CIP). Complete Office of Foreign Asset Control (OFAC) verifications. Recognize when Currency Transaction Reports (CTRs) are to be completed and filed. Refer unusual questions and account activity to supervisor. Greet and interview existing and prospective customers to assess financial needs and promote and discuss various bank products and services, including but not limited to; checking accounts, savings and retirement accounts, electronic banking services and consumer loans. Open and process all types of accounts including deposit and loan products. Explain and/or demonstrate various additional products and services, using a needs-based consultative approach to customers to discover complimentary services which would provide value to the customer and to attempt to cross-sell. Act as a leader in promoting and demonstrating self-service channels to customers, including ATM, Online banking, and Mobile Banking. Make qualified referrals to business partners in the areas of residential and commercial lending, cash management and merchant services etc. Handle all cash under daily control, and maintain cash limits, accurately and according to bank policy and procedure. Accurately balance each day's transactions and verify cash totals to complete daily settlement to verify accuracy of all work. Answer routine and more complex questions on customer accounts, products, services, policies, and procedures. Troubleshoot customer issues and provide follow-through to ensure resolution. Responsible for other tasks as required, including but not limited to reporting; ordering supplies; balancing branch machines; preparing night deposit bags; operating drive-up window; filing and scanning records and maintaining proper and safe procedural responses to robberies. Work with branch management to plan for the achievement of individual and team sales goals according to the bank's Sales Program. Fully participate in sales promotions. Maintain a thorough knowledge of bank products and services, standards and procedures through attendance at meetings and timely completion of training. Performs other duties as requested or assigned. SPECIFIC SKILLS REQUIRED Ability to communicate professionally and effectively in person, on the phone, electronically, or through other means to individuals and groups. Demonstrate exemplary customer service skills. Ability to count money accurately and distinguish denominations and accurately process bank transactions including but not limited to cash deposits, withdrawals, and transfers Ability to operate teller and platform software and business machines Knowledge of the bank's products and services and the use of digital channels. Ability to assess and enhance the customer relationship by cross selling products and services Multilingual capabilities and/or multicultural perspective. EXPERIENCE & EDUCATION REQUIREMENTS H.S. Diploma or equivalent 6 months+ cash handling and sales experience ADDITIONAL REQUIREMENTS Notary Public within 1 year of employment NOTICE This list of duties is not intended to be all-inclusive and may be expanded to include other duties that may be deemed necessary by management from time to time. The Bank reserves the right to modify, interpret, or apply the in any way the company desires and that the job description is not a contract for employment. All employment is “at will”. Also, employee is expected to have knowledge of and adherence to Bank policies and procedures. The employee complies with state and federal regulations and specific BSA/AML related regulations and all information security related regulations. Work Environment: This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. EEOC Statement: WSB provides equal employment opportunity to all individuals regardless of their race, color, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. “E-Verify: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.”

East Cambridge Savings Bank's Retail Division is actively recruiting for Customer Sales & Service Representative I. Assigned work location may include Arlington, Belmont, Cambridge, Chelsea, Malden, Medford, Somerville, Waltham, or Woburn. Function: Under the general supervision of the Business Development Sales Manager, perform a variety of customer service functions, identify customer needs and respond to those needs in an efficient and pleasing manner. We are looking for a candidate with: 3 years experience in a retail environment with customer service experience; or a Bachelor's degree with 1 year customer service experience in a retail environment. Retail Banking preferred. Working knowledge of digital banking products 1 year of sales experience in an incentive based role. Demonstrated ability to meet individual sales goals on a Monthly/Annual basis. Working knowledge of the Bank's products and services preferred. Ability to perform a variety of task simultaneously and prioritize activities as required. Excellent interpersonal and communication skills. Must be available to work until closing and Saturday Spanish speaking preferred Essential Job Functions: Greet and assist customers in a professional and personally responsive manner in accordance with the Bank's Customer Service Standards. Provide information to new and existing customers on a variety of products and services. Assist customers with servicing matters and/or questions pertaining to existing accounts. Ensure that mystery shop service standards are achieved. Sell and cross-sell products and services to new and existing customers. Be knowledgeable and understanding of the customers' needs by conducting a needs analysis. Generate and pursue sales leads by telephone, letter and personal contact. Responsible for attaining predetermined sales goals on a monthly/annual basis in accordance with the Bank's Customer Service Standards. Participate in the development of ongoing banking center sales promotional strategies and activities. Train new Customer Sales & Service Representatives, Customer Service Associates and Clerk/Tellers in entry-level work and customer service standards; and review new procedures and services with trained staff. Evaluate work performance. Cultivate strong relationships with back office service partners to ensure delivery of high quality customer service, ongoing communication needs and operational consistency. Open and close all types of products. Enter holds and provide customer with appropriate notice. Ensure that disclosures are completed and distributed to customer. Ensure that all documents are processed and distributed to appropriate departments on a daily basis. Recognize and refer any problems or difficult situations to a supervisor. Process work on a specific day according to customers' instructions, such as TDC renewal, closeout, transfers, etc. Ensure on daily basis, proper documentation and accuracy of transactions and balance work. Verify all cash transactions and that cash is in proof. Complete all required Bank Secrecy Act training annually and maintain knowledge of current BSA related policies and procedures. To assist with Bank Secrecy Act compliance, recognize and document currency transactions and checks purchased in excess of $10,000, as well as checks purchased between $3,000-$10,000. Identify and report potential suspicious activity. Process customers' transactions through the computer and research customers' accounts through the computer. Perform as a Customer Service Associate when office needs dictate. Supportive Job Functions: As needed, participate in community activities to promote a positive image for the Bank. Redeem US Savings Bonds, sell travelers checks, and assist with outgoing wire transfers. Make appropriate changes to accounts, such as title, address, TIN. Set up Direct Deposit and PATS for customers. Maintain interest rate chart and all bank services literature in the lobby area. Process office correspondence as required. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Veterans/Disabled

Job DescriptionSUMMARY/OBJECTIVE Responsible for all aspects of the operations of a full-service banking office, including sales and business development, customer service, staff supervision, personnel administration, security and building and equipment maintenance, data processing and lending to the extent of lending authority. essential functions Manage all branch personnel and activity according to Bank policies and procedures including staff training, development, and future growth plans; recommendations for staffing, including various personnel actions such as hiring, compensation, promotion, transfer, scheduling, discipline, and separation. Provide courteous, prompt support and follow-through to all internal/external customers; resolve complaints, inquiries, and requests from customers; provide suggestions to improve internal/external customer service; recommend policies, programs, systems, and procedures to help improve overall bank performance Ensures branches assigned sales goals are attained. Support sales and customer service programs to include coaching, training, and monitoring of sales achievements of teller and platform staff. Relates evaluations to performance against pre-established goals. Supervise the processing and reconciliation of all customer activity at designated branch office including account transactions, sale of Bank products and services, and balancing all Branch activity daily; perform transactions personally when necessary. Interview applicants for all types of loans within limits of authority: provide product counseling as appropriate. Represent the Bank in the community and banking organization activities; develop relations with potential sources of business; promote the Bank's services and products through business calls, promotions, and advertising in cooperation with the Bank's marketing programs and policies. Supervise the operation of all branch security equipment and procedures including locks, alarms and cameras; cultivate relationships with security personnel of other banks and businesses; respond to alarm calls after hours Supervise the operation and maintenance of branch premises and equipment; schedule repairs and servicing as needed. Supervise branch record keeping including audits, inventories, disbursements, and sales. Conduct regular branch staff meetings, individual one on ones and participate in and/or attend other meetings as requested. Keep informed on industry and regulatory developments through self-directed study and through attendance at meetings, seminars and relevant courses of instruction. Performs other duties as requested or assigned. COMPENTENCIES Strong communication and interpersonal skills, with the ability to interact with all types of customers, professionally and effectively in person, on the phone, electronically, or through other means to individuals and groups. Proficient conflict management skills. Ability to make quick, qualified decisions and to lead and motivate. Demonstrate exemplary customer service and sales and business development skills. Thorough knowledge of the Bank's policies and procedures as well as products and services and the use of digital channels; working knowledge of the operating system and all branch equipment. Ability to operate teller and platform software and business machines. Multilingual capabilities and/or multicultural perspective. E-Verify: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.

Job Description Summary/Objective Responsible for performing a variety of routine customer transactions. Represents the Bank in a courteous manner, providing prompt, efficient, and accurate service in processing transactions. Essential functions Perform routine customer transactions including deposits, withdrawals and loan payments; cash checks within approval limit Accept foreign checks for collection Buy and sell foreign currency for customers Issue money orders and treasurer's checks Maintain and control an assigned cash box; balance cash and work at day's end Process mail transactions Order and verify exchanges of cash with main cash vault Redeem Savings Bonds Identify BSA transactions Identify Funds Availability transactions Be knowledgeable with the Bank's products and services Properly quote interest rates Verify and process daily night bag deposits Assist with ATM settlement when requested Attain referral goals as assigned Adhere to the Customer Service Standards Cover switchboard as necessary May have check signing authority Perform additional duties as required Competencies Strong customer service skills; strong communication and interpersonal skills with the ability to interact with all types of customers; ability to pay attention to detail. Required education and Experience High school diploma or Equivalent Cash handling and customer service experience preferred (length and type)

Job Description Actual compensation for this role is commensurate with experience, skill set, and other qualifications. East Cambridge Savings Bank's Lending Division is actively recruiting for a Senior Loan Processor. Function: Under the general direction of the Retail Lending Manager, perform a variety of clerical and administrative tasks in connection with the processing of Mortgage and Consumer loans. We are looking for a candidate with: Knowledge of loan processing policies and procedures Knowledge of investor guidelines and conventional loans preferred Minimum of 3 years mortgage processing experience Must have excellent organizational, analytical, mathematical and problem-solving skills Good verbal and written communication skills Must become a registered MLO in accordance with the S.A.F.E. Act Working knowledge of Microsoft Word and Excel Experience with Encompass preferred Essential Job Functions: Prepare application disposition correspondence including commitment letters, adverse action notices and corresponding appeal information; maintain status of all applications for accurate preparation of Pipeline Report; receives and transmits applicant's commitment to conveyancing attorney. Responsible for compilation, organization and verification of application data including customer documentation required by statute and underwriting data (VOE, VOD and credit reports). Order appraisal reports and subsequent reviews and follow up on documentation for file to ensure receipt, requesting missing information. Identify mortgage loan application and documentation problems by highlighting deficiencies and notifying Underwriter and Manager. Analyze applicant's financial status, credit and property evaluation to determine feasibility of granting unsecured and secured loans. Prepare and submit completed loan application to Underwriter and Retail Lending Manager for approval recommendation. Order title work from attorneys and follow up to ensure order is completed in a timely manner. Review title work once received to review for deficiencies such as second liens, encroachments, etc. In the absence of the Residential Loan Officer assist the customer with questions regarding the loan application, terms of the loan and product information. Serve as liaison with customers, brokers and attorneys to resolve problems and to ensure that all documentation is accurate and complete. Prepare and monitor files for Quality Control audit function; obtain corrected or revised documentation from customers and attorneys to complete files as necessary. Communicate closing contingencies to customer, managers, and Residential Loan Officers. Coordinate and arrange closing with all affiliated parties. Keep abreast of residential and consumer loan products. Ensure approvals fall within established lending guidelines. Comply fully with all federal, state and local laws and regulations, policies and procedures, including but not limited to the S.A.F.E. Act and its registration, renewal and updating requirements. Keep abreast of all loan underwriting, processing and closing tasks and assist as necessary to maintain smooth and effective workflow. Supportive Functions: Perform all related lending tasks and special projects as may be required or assigned. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Disabled/Veterans

East Cambridge Savings Bank's Lending Division is actively recruiting for Residential Loan Officers Function: Under the general direction of the Secondary Market Lending Sales Manager, solicits and develops new sources of business and loan opportunities and originates residential loan products in accordance with established Bank policies and procedures. We are looking for candidates with: Proven loan origination sales experience at local bank or mortgage lender 2 or more years of mortgage origination experience preferred Familiarity with Middlesex County preferred Knowledge and understanding of secondary market underwriting guidelines Well developed interpersonal, communication and customer service skills Ability to travel freely and work without direct supervision Able to register as a licensed Mortgage Loan Originator as required under the S.A.F.E. Act Essential Job Functions: Responsible for selling and originating high quality mortgage loans to meet established production goals. Develops relationships with attorneys, local housing agencies, developers and real estate brokers to generate new mortgage business. Solicits customers generated through various channels, including but not limited to external contacts, First Time Home Buyer seminars, telephone or electronic e-mail leads, the Bank's website, etc. Analyzes each applicant's data, working with the borrower to prepare a complete application. Initiates processing and conducts preliminary underwriting. Determines and recommends appropriate loan products to meet the needs of the customer. Approves consumer loans up to established limits. Manages the customer experience. Serves as the liaison between all parties i.e. Brokers, borrowers, and the Bank during the application process for mortgage loans. Prior to closings, acts as liaison with attorneys to ensure documentation is accurate and consistent. Responds to customer questions and inquiries. Establishes and maintains effective working relationships with Banking Center personnel, providing guidance as needed. Maintains a general understanding of all products and services offered to effectively present these products and services to customers. Represents the Bank by participating in various networking, community and industry related activities which includes but is not limited to speaking at Mortgage Seminars, representing the Bank at Mortgage Trade Fairs, acting as a Mortgage Consultant at banking centers, etc. Promotes Bank services and products to potential customers when possible. Keeps abreast of residential and consumer loan products and the applicable State and Federal regulations and compliance issues. Complies fully with all federal, state and local laws and regulations, policies and procedures, including but not limited to the S.A.F.E. Act and its registration, renewal and updating standards. Analyzes each applicant's loan and deposit relationship with the Bank, reviewing how various Bank products may address an applicant's banking needs and ensuring that any appropriate cross sale opportunities have been undertaken. Assists with special assignments/projects, and in the development of new products and services to remain competitive. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Veterans/Disabled

Department: Consumer & Business Banking Reports To: Branch Manager EEO Code: Administrative Support FLSA Status: Non-Exempt N02 RELATIONSHIP BANKER SUMMARY DESCRIPTION To assist the bank in meeting its sales and service goals by cultivating customer relationships. This position is responsible for assessing customers' financial needs and cross selling additional products and services to retain customers and increase the profitability of the bank. Serve customers and service their accounts - including transaction processing - efficiently and in a manner which provides the highest level of customer satisfaction. Performs other duties necessary to complete branch customers' transactions. Represents the bank to customers with a courteous, friendly, and assured attitude. Ensures compliance with federal and state laws and regulations in addition to bank standard operating policies and procedures by avoiding violations, minimizing risk, and protecting the bank. ESSENTIAL JOB FUNCTIONS Process branch customers' transactions, including but not limited to receiving and verifying deposits; mortgage and loan payments; disbursement of funds by withdrawal; cashing checks, and other negotiable items requested by customers. Perform duties strictly in accordance with bank policy and procedure, promoting positive customer relations by providing exemplary service. Verify transactions and account balances and ensure that transactions follow bank policy, state and federal regulations such as Reg CC, Reg DD and Bank Secrecy Act (BSA). Understand and exercise customer identification procedures (CIP). Complete Office of Foreign Asset Control (OFAC) verifications. Recognize when Currency Transaction Reports (CTRs) are to be completed and filed. Refer unusual questions and account activity to supervisor. Greet and interview existing and prospective customers to assess financial needs and promote and discuss various bank products and services, including but not limited to; checking accounts, savings and retirement accounts, electronic banking services and consumer loans. Open and process all types of accounts including deposit and loan products. Explain and/or demonstrate various additional products and services, using a needs-based consultative approach to customers to discover complimentary services which would provide value to the customer and to attempt to cross-sell. Act as a leader in promoting and demonstrating self-service channels to customers, including ATM, Online banking, and Mobile Banking. Make qualified referrals to business partners in the areas of residential and commercial lending, cash management and merchant services etc. Handle all cash under daily control, and maintain cash limits, accurately and according to bank policy and procedure. Accurately balance each day's transactions and verify cash totals to complete daily settlement to verify accuracy of all work. Answer routine and more complex questions on customer accounts, products, services, policies, and procedures. Troubleshoot customer issues and provide follow-through to ensure resolution. Responsible for other tasks as required, including but not limited to reporting; ordering supplies; balancing branch machines; preparing night deposit bags; operating drive-up window; filing and scanning records and maintaining proper and safe procedural responses to robberies. Work with branch management to plan for the achievement of individual and team sales goals according to the bank's Sales Program. Fully participate in sales promotions. Maintain a thorough knowledge of bank products and services, standards and procedures through attendance at meetings and timely completion of training. Performs other duties as requested or assigned. SPECIFIC SKILLS REQUIRED Ability to communicate professionally and effectively in person, on the phone, electronically, or through other means to individuals and groups. Demonstrate exemplary customer service skills. Ability to count money accurately and distinguish denominations and accurately process bank transactions including but not limited to cash deposits, withdrawals, and transfers Ability to operate teller and platform software and business machines Knowledge of the bank's products and services and the use of digital channels. Ability to assess and enhance the customer relationship by cross selling products and services Multilingual capabilities and/or multicultural perspective. EXPERIENCE & EDUCATION REQUIREMENTS H.S. Diploma or equivalent 6 months+ cash handling and sales experience ADDITIONAL REQUIREMENTS Notary Public within 1 year of employment NOTICE This list of duties is not intended to be all-inclusive and may be expanded to include other duties that may be deemed necessary by management from time to time. The Bank reserves the right to modify, interpret, or apply the in any way the company desires and that the job description is not a contract for employment. All employment is “at will”. Also, employee is expected to have knowledge of and adherence to Bank policies and procedures. The employee complies with state and federal regulations and specific BSA/AML related regulations and all information security related regulations. Work Environment: This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. EEOC Statement: WSB provides equal employment opportunity to all individuals regardless of their race, color, religion, gender, age, sexual orientation, national origin, disability, veteran status, or any other characteristic protected by state, federal, or local law. “E-Verify: This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.”

Job Description East Cambridge Savings Bank's Retail Department is actively recruiting for an Investment Executive Function: Under the general direction of the Senior Vice President Retail, sells and provides information to customers in regards to non-deposit investment products in accordance with established Bank policies, procedures, and strategic goals. We are looking for candidates with: Bachelor's degree in Finance, Accounting, or related field or equivalent through specialized coursework and training NASD series 7 and 65 or 66 licenses Massachusetts Life and Health Insurance licenses Certified Financial Planner designation preferred Minimum 3 years investment sales/advisory experience Proven sales, marketing, and investment advisory skills Strong interpersonal skills Primary Responsibilities: Provides accurate, thorough, and understandable information regarding non-deposit investment products to customers. Analyzes and evaluates client portfolios. Recommends investment products appropriate for customers' stated objectives. Develops and maintains ongoing investment relationships with customers. Conducts on-going client meetings, including financial plan and investment reviews. Follows up on referrals generated from various sources including other Bank employees, advertisements, and direct mailings. Initiates investment transactions based on customers' instructions, prepare all necessary documentation ensuring accuracy, timeliness, and compliance with applicable laws, regulations, and industry standards. Assists customers in resolving any investment transaction discrepancies or concerns regarding the Bank's non-deposit investment sales program. Reports all customer issues to senior management in a timely manner. Meets established sales goals and objectives. Develops sales strategic plan including both direct sales and referral activities. Leads sales strategy and planning efforts and creates sales and promotional efforts in order to reach performance goals. Strategizes with Senior Vice President of Retail to assess market position and competition opportunities. Monitors plan to ensure completion of goals and objectives. Actively participates as a Banking Center team member. Works with other members of the team to meet performance goals, develops strategies and promotional efforts for the Center. Maintains a general understanding of all products and services offered in the Banking Center in an effort to effectively present these products and services to customers. Monitors team progress towards attaining goals and objectives. Oversees function of Financial Services Assistant. Conducts performance evaluation, provides guidance, training and development as needed. Keeps abreast of laws, regulations, and industry developments applicable to non-deposit investment products through ongoing education and training. Reports on changes and developments having potential impact on the Bank's non-deposit investment program, and recommends appropriate actions. Keeps abreast of competitive developments applicable to non-deposit investment products within the industry and the Bank's market area, and report on findings. Participates in marketing efforts to enhance the competitiveness of the Bank's non-deposit investment program. Participates in the development of employee training programs and customer information sessions for non-deposit investment products. As needed, conducts training programs and information sessions, monitor and report on effectiveness. Recommends employee recognition programs for referral efforts. Develops solid relationships with members of the community by networking through community involvement. Participates in civic activities to promote growth and development in the community, and a positive image for the Bank. Provides periodic reports on non-deposit investment sales/advisory activity, including customer prospects, sales, referrals, sources of invested funds, and the effectiveness of marketing promotions. Performs operational audits to ensure compliance with established policies and procedures, and for compliance with laws and regulations in preparation for audits and regulatory exams. Keeps abreast of Bank policies and procedures, deposit products and services. Maintains knowledge of the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and Office of Foreign Assets Control (OFAC) regulatory requirements. Ensures that management and staff members complete BSA related annual training in a timely manner and that all BSA procedures are followed when applicable. Identifies and reports compliance related issues and suspicious activity. Other Job Responsibilities: Performs various special projects related to area of responsibility. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Disabled/Veterans

Job Description East Cambridge Savings Bank's Retail Division is actively recruiting for Part-Time Customer Service Associates. Assigned work location may include Arlington, Belmont, Cambridge, Chelsea, Malden, Medford, Somerville, Waltham, or Woburn. Function: Under the general supervision of a Banking Center Supervisor, or Business Development Sales Manager, perform a wide variety of customer initiated transactional services and related accounting/clerical tasks. We are looking for a candidate with: Minimum of 1 year cash handling experience. Teller experience or Retail Banking preferred. Demonstrated sales skills and customer service experience in retail environment Excellent interpersonal and communication skills Must be a self-starter with ability to work independently Ability to take initiative Must be able to travel to most banking center locations Must be available to work evenings and every Saturday Spanish speaking preferred Essential Job Functions: Buy/sell teller cash to maintain authorized amounts. Greet and assist customers in a professional and personally responsive manner in accordance with East Cambridge Savings Bank's Customer Service Standards. Communicate general banking services information, and promote products and services. Direct customers to appropriate retail staff as needed, refer any problem situation to supervisor. Responsible for making referrals based on predetermined sales goals on a monthly/annual basis in accordance with the Bank's Customer Service Standards. Sell and cross-sell products and services to new and existing customers. Be knowledgeable and understanding of the customers' needs by conducting a needs analysis. Accept and process customer transactions through computer terminal. Cash customers' checks in accordance with Bank policy. Enter check holds and provide customers with appropriate hold notices. Sell money orders, treasurer's and travelers' checks; and redeem U.S. Bonds. Process cash advances. Complete all required Bank Secrecy Act training annually and maintain knowledge of current BSA related policies and procedures. To assist with Bank Secrecy Act compliance, recognize and document currency transactions and checks purchased in excess of $10,000, as well as checks purchased between $3,000-$10,000. Identify and report potential suspicious activity. Ensure proper documentation and accuracy of each transaction. Verify posting items, bond redemption forms for completeness and accuracy. Verify all cash transactions, double check incoming and outgoing cash. Train Clerk/Tellers in entry-level work, customer service standards, procedures and services. Evaluate work performance. Take computer totals and reconcile individual daily work - which involves: balancing daily work ensuring that all documentation is in order (i.e checks balance) and cash in proof. Open and close all types of products. Enter holds and provide customers with appropriate notice. Ensure that disclosures are completed and distributed to customer. Process related documents and distribute to appropriate departments on a daily basis. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Veterans/Disabled

East Cambridge Savings Bank's Retail Division is actively recruiting for Customer Sales & Service Representative II Assigned work location may include Arlington, Belmont, Cambridge, Chelsea, Malden, Medford, Somerville, Waltham, or Woburn. Function: Under the direction of the Business Development Sales Manager, perform a variety of service related functions, identify customer needs and respond to those needs in an efficient and pleasing manner with an emphasis on cross sales. We are looking for a candidate with: 3 years experience in a Retail environment or a bachelor's degree with 1 year experience in a Retail environment. 3years customer service and sales experience in an incentive-based role. Retail banking preferred. Working knowledge of digital banking products Demonstrated ability to meet individual sales goals on a Monthly/Annual basis Demonstrated knowledge of the Bank's products and services Ability to perform a variety of tasks simultaneously and prioritize activities as required Excellent interpersonal and verbal communication skills If applicable, able to register as a licensed Mortgage Loan Originator as required under the S.A.F.E. Act. Must be available to work until closing and Saturday Spanish speaking preferred Essential Job Functions: Greet and assist customers in a professional and personally responsive manner in accordance with the Bank's Customer Service Standards, provide information on a variety of banking products/services. Make referrals as needed. Be knowledgeable and understanding of the customers' needs by conducting a needs analysis and recommend products/services as appropriate. Sell and cross-sell products and services to existing and new customers toward established sales goals. Ensure that mystery shop service standards are achieved. Responsible for attaining predetermined sales goals on a monthly/annual basis in accordance with the Bank's Customer Service Standards. Assist with Banking Center sales promotion strategies. Complete all required Bank Secrecy Act training annually and maintain knowledge of current BSA related policies and procedures. To assist with Bank Secrecy Act compliance, recognize and document currency transactions and checks purchased in excess of $10,000, as well as checks purchased between $3,000-$10,000. Identify and report potential suspicious activity. Train new Customer Sales & Service Representatives, Customer Service Associates and Clerk/Tellers in entry-level work and customer service standards; and review new procedures and services with trained staff. Evaluate work performance. Conduct loan interviews, accept loan applications, respond to mortgage inquiries. Follow up on referrals for personal sales opportunities and from other retail Banking Center employees. Contact customers by letter, telephone and other means to strengthen account relationships. Responsible for effective handling of telephone calls pertaining to requests for information, problems, questions regarding service, policies, procedures, etc. Ensure on daily basis, proper documentation and accuracy of transactions and balance work. Verify all cash transactions and that cash is in proof. Maintain compliance with Bank policies and procedures, federal, state and local laws and regulations, including but not limited to the S.A.F.E. Act and its registration, renewal and updating requirements if applicable. Maintain knowledge of current industry practices and trends as well as Bank products and services by attending training seminars as needed. Maintain compliance with Bank policies and procedures. Maintain knowledge of current industry practices and trends as well as Bank products and services by attending training seminars as needed. Assist with promoting East Cambridge Savings Bank products/services to local businesses. Arrange appointments with customers, utilizing branch locations most convenient to them. Inform management of progress toward goals and ask for assistance as needed. Report sales activity to investment planning and retail management on a weekly basis. Maintain proper documentation. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Veterans/Disabled

Actual compensation for this role is commensurate with experience, skill set, and other qualifications. East Cambridge Savings Bank's Lending Division is actively recruiting for a Senior Loan Processor. Function : Under the general direction of the Retail Lending Manager, perform a variety of clerical and administrative tasks in connection with the processing of Mortgage and Consumer loans. We are looking for a candidate with: Knowledge of loan processing policies and procedures Knowledge of investor guidelines and conventional loans preferred Minimum of 3 years mortgage processing experience Must have excellent organizational, analytical, mathematical and problem-solving skills Good verbal and written communication skills Must become a registered MLO in accordance with the S.A.F.E. Act Working knowledge of Microsoft Word and Excel Experience with Encompass preferred Essential Job Functions : Prepare application disposition correspondence including commitment letters, adverse action notices and corresponding appeal information; maintain status of all applications for accurate preparation of Pipeline Report; receives and transmits applicant's commitment to conveyancing attorney. Responsible for compilation, organization and verification of application data including customer documentation required by statute and underwriting data (VOE, VOD and credit reports). Order appraisal reports and subsequent reviews and follow up on documentation for file to ensure receipt, requesting missing information. Identify mortgage loan application and documentation problems by highlighting deficiencies and notifying Underwriter and Manager. Analyze applicant's financial status, credit and property evaluation to determine feasibility of granting unsecured and secured loans. Prepare and submit completed loan application to Underwriter and Retail Lending Manager for approval recommendation. Order title work from attorneys and follow up to ensure order is completed in a timely manner. Review title work once received to review for deficiencies such as second liens, encroachments, etc. In the absence of the Residential Loan Officer assist the customer with questions regarding the loan application, terms of the loan and product information. Serve as liaison with customers, brokers and attorneys to resolve problems and to ensure that all documentation is accurate and complete. Prepare and monitor files for Quality Control audit function; obtain corrected or revised documentation from customers and attorneys to complete files as necessary. Communicate closing contingencies to customer, managers, and Residential Loan Officers. Coordinate and arrange closing with all affiliated parties. Keep abreast of residential and consumer loan products. Ensure approvals fall within established lending guidelines. Comply fully with all federal, state and local laws and regulations, policies and procedures, including but not limited to the S.A.F.E. Act and its registration, renewal and updating requirements. Keep abreast of all loan underwriting, processing and closing tasks and assist as necessary to maintain smooth and effective workflow. Supportive Functions: Perform all related lending tasks and special projects as may be required or assigned. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Disabled/Veterans

Job Description East Cambridge Savings Bank's Lending Division is actively recruiting for Residential Loan Officers Function: Under the general direction of the Secondary Market Lending Sales Manager, solicits and develops new sources of business and loan opportunities and originates residential loan products in accordance with established Bank policies and procedures. We are looking for candidates with: Proven loan origination sales experience at local bank or mortgage lender 2 or more years of mortgage origination experience preferred Familiarity with Middlesex County preferred Knowledge and understanding of secondary market underwriting guidelines Well developed interpersonal, communication and customer service skills Ability to travel freely and work without direct supervision Able to register as a licensed Mortgage Loan Originator as required under the S.A.F.E. Act Essential Job Functions: Responsible for selling and originating high quality mortgage loans to meet established production goals. Develops relationships with attorneys, local housing agencies, developers and real estate brokers to generate new mortgage business. Solicits customers generated through various channels, including but not limited to external contacts, First Time Home Buyer seminars, telephone or electronic e-mail leads, the Bank's website, etc. Analyzes each applicant's data, working with the borrower to prepare a complete application. Initiates processing and conducts preliminary underwriting. Determines and recommends appropriate loan products to meet the needs of the customer. Approves consumer loans up to established limits. Manages the customer experience. Serves as the liaison between all parties i.e. Brokers, borrowers, and the Bank during the application process for mortgage loans. Prior to closings, acts as liaison with attorneys to ensure documentation is accurate and consistent. Responds to customer questions and inquiries. Establishes and maintains effective working relationships with Banking Center personnel, providing guidance as needed. Maintains a general understanding of all products and services offered to effectively present these products and services to customers. Represents the Bank by participating in various networking, community and industry related activities which includes but is not limited to speaking at Mortgage Seminars, representing the Bank at Mortgage Trade Fairs, acting as a Mortgage Consultant at banking centers, etc. Promotes Bank services and products to potential customers when possible. Keeps abreast of residential and consumer loan products and the applicable State and Federal regulations and compliance issues. Complies fully with all federal, state and local laws and regulations, policies and procedures, including but not limited to the S.A.F.E. Act and its registration, renewal and updating standards. Analyzes each applicant's loan and deposit relationship with the Bank, reviewing how various Bank products may address an applicant's banking needs and ensuring that any appropriate cross sale opportunities have been undertaken. Assists with special assignments/projects, and in the development of new products and services to remain competitive. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Veterans/Disabled

Job Description East Cambridge Savings Bank's Retail Division is actively recruiting for Customer Sales & Service Representative II Assigned work location may include Arlington, Belmont, Cambridge, Chelsea, Malden, Medford, Somerville, Waltham, or Woburn. Function: Under the direction of the Business Development Sales Manager, perform a variety of service related functions, identify customer needs and respond to those needs in an efficient and pleasing manner with an emphasis on cross sales. We are looking for a candidate with: 3 years experience in a Retail environment or a bachelor's degree with 1 year experience in a Retail environment. 3years customer service and sales experience in an incentive-based role. Retail banking preferred. Working knowledge of digital banking products Demonstrated ability to meet individual sales goals on a Monthly/Annual basis Demonstrated knowledge of the Bank's products and services Ability to perform a variety of tasks simultaneously and prioritize activities as required Excellent interpersonal and verbal communication skills If applicable, able to register as a licensed Mortgage Loan Originator as required under the S.A.F.E. Act. Must be available to work until closing and Saturday Spanish speaking preferred Essential Job Functions: Greet and assist customers in a professional and personally responsive manner in accordance with the Bank's Customer Service Standards, provide information on a variety of banking products/services. Make referrals as needed. Be knowledgeable and understanding of the customers' needs by conducting a needs analysis and recommend products/services as appropriate. Sell and cross-sell products and services to existing and new customers toward established sales goals. Ensure that mystery shop service standards are achieved. Responsible for attaining predetermined sales goals on a monthly/annual basis in accordance with the Bank's Customer Service Standards. Assist with Banking Center sales promotion strategies. Complete all required Bank Secrecy Act training annually and maintain knowledge of current BSA related policies and procedures. To assist with Bank Secrecy Act compliance, recognize and document currency transactions and checks purchased in excess of $10,000, as well as checks purchased between $3,000-$10,000. Identify and report potential suspicious activity. Train new Customer Sales & Service Representatives, Customer Service Associates and Clerk/Tellers in entry-level work and customer service standards; and review new procedures and services with trained staff. Evaluate work performance. Conduct loan interviews, accept loan applications, respond to mortgage inquiries. Follow up on referrals for personal sales opportunities and from other retail Banking Center employees. Contact customers by letter, telephone and other means to strengthen account relationships. Responsible for effective handling of telephone calls pertaining to requests for information, problems, questions regarding service, policies, procedures, etc. Ensure on daily basis, proper documentation and accuracy of transactions and balance work. Verify all cash transactions and that cash is in proof. Maintain compliance with Bank policies and procedures, federal, state and local laws and regulations, including but not limited to the S.A.F.E. Act and its registration, renewal and updating requirements if applicable. Maintain knowledge of current industry practices and trends as well as Bank products and services by attending training seminars as needed. Maintain compliance with Bank policies and procedures. Maintain knowledge of current industry practices and trends as well as Bank products and services by attending training seminars as needed. Assist with promoting East Cambridge Savings Bank products/services to local businesses. Arrange appointments with customers, utilizing branch locations most convenient to them. Inform management of progress toward goals and ask for assistance as needed. Report sales activity to investment planning and retail management on a weekly basis. Maintain proper documentation. Contact our Human Resources Division or visit ******************** for more details and to apply. Or submit your resume to: Email: **************** Fax: ************ Phone: ************ East Cambridge Savings Bank, Attn: Human Resources 344 Cambridge Street Cambridge, MA 02141 East Cambridge Savings Bank is an Equal Opportunity Employer/Veterans/Disabled

Job Description The Commercial Lending Officer is responsible for managing and growing a portfolio of commercial loans while providing exceptional service to business clients. This role focuses on relationship management, credit analysis, and loan structuring. The Commercial Lending Officer must ensure compliance with regulatory requirements and internal policies while supporting the bank's strategic goals for commercial lending. Key Responsibilities: Loan Origination & Structuring: Originate loan relationships using centers of influence (COIs), networking events, and community engagement, in order to support and increase the Bank's commercial loan portfolio. Identify client needs and align them with the bank's lending and treasury solutions. Conduct consultative discussions to structure financing solutions tailored to client needs while adhering to underwriting standards. Collaborate with credit and product teams to deliver tailored solutions. Evaluate and structure commercial loan requests, including term loans, lines of credit, and real estate financing. Prepare and present credit proposals for approval in accordance with underwriting standards. Credit Analysis & Risk Management: Conduct thorough financial analysis of business clients, including property, business and global cash flows, market conditions, collateral valuation, and creditworthiness. Assess risks related to property type, location, and market trends; monitor portfolio performance proactively. Monitor loan performance and proactively manage risk within the portfolio. Work with Borrowers who become past due on their loan obligations to remedy the situation in a mutually beneficial manner. Relationship Management: Serve as the primary point of contact for business clients, providing guidance on lending solutions and banking products. Build and maintain strong relationships with existing and prospective clients to support retention and growth. Collection and initial review of customer financial statements for annual reviews. Compliance & Documentation: Ensure all loan documentation meets regulatory and internal compliance standards. Maintain accurate records and adhere to audit requirements. Collaboration: Work closely with the credit officer, commercial credit analyst, commercial loan assistant, and other internal teams to deliver timely and accurate lending solutions. Work closely with retail staff to support the cross-selling of non-lending products to enhance client relationships. Share market insights with management to inform product development and pricing strategies. Qualifications: Bachelor's degree in Finance, Business Administration, or related field (or equivalent experience). 7+ years of experience in commercial lending or related field with proven ability to originate quality relationships. Strong knowledge of credit analysis, loan structuring, and regulatory compliance to include formal credit underwriting training. Excellent communication, consultative selling skills, negotiation, and relationship-building skills. Proficiency in financial analysis tools, Microsoft Office software and banking specific software. Key Attributes: Detail-oriented with strong analytical skills. Ability to manage multiple priorities and meet deadlines. Commitment to ethical practices and client-focused service.