Location:  Franklin

FULL-TIME

Summary:

Responsible for proactively soliciting new consumer, real estate, and commercial loans and sell the Bank’s products to meet established loan quality and production goals.

Primary Duties and Responsibilities:

• Generate own pipeline of loans
• Obtain and review necessary loan documentation from borrowers and present complete packages to processing for submission into underwriting.
• Monitor and ensure closing dates and rate lock expirations and company deadlines are met.
• Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.
• Comply with all federal and state compliance policies and adhering to HMDA requirements.
• Review loan documents to insure completeness and accuracy in accordance with Bank policies, procedures and compliance related issues.
• Order appraisals, credit reports, and evidence of insurance.
• Promote business for Bank by maintaining good customer relations and by referring customers to new services.
• Prepare various monthly reports.

Other Duties:

• Participate in business development activities at all levels.
• Maintain educational and professional expertise through attendance at job related seminars, conferences, and workshops and involvement in professional, civic, and community groups in leadership positions.

Knowledge, Skills, and Abilities:

• High School degree or equivalent
• 2 years bank lending experience
• Residential and/or commercial underwriting experience is preferred
• Knowledge of federal and state mortgage banking regulatory requirements
• Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail
• Good interpersonal skills and knowledge of appropriate customer service
• Organized and detailed oriented
• Ability to prioritize tasks accordingly
• Ability to maintain confidential information

Location:  Georgetown

FULL-TIME

Teller Functions (50%)

• Always maintain a neat and organized work area.  Make sure that you have ample supplies on hand and your Teller/CSR station is properly set up prior to opening for business.
• Count currency, coins, and checks received, by hand or using currency-counting machine.
• Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
• Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
• Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
• Enter customers’ transactions into computers in order to record transactions and issue computer-generated receipts.
• Count and balance currency, coin, and checks in cash drawers at end of shifts, and calculate daily transactions using computers, calculators, or adding machines.
• Identify transaction mistakes when debits and credits do not balance when running proof.
• Process transactions such as term deposits, retirement savings plan contributions, automated Teller/CSR transactions, night deposits, and mail deposits.
• Prepare and verify cashier’s checks.
• Process mortgage or other loan payments, verifying payment dates and amounts due.
• Provide exemplary customer service via phone and in person.
• Resolve problems or discrepancies concerning customers’ accounts.
• Explain, promote, or sell other bank products or services.
• Assist in balancing cash vault to ensure cash balances are correct.  Count, verify, and post armored car deposits.
• Carry out special services for customers, such as ordering bank cards, check and internet banking products.
• Follow compliance reporting procedures concerning CTRs, SARs, others
• Assist in maintaining dual control and other bank logs such as: daily opening and closing checklist; vault access; night deposit access and content verification; mail deposits; outgoing wires; cashier’s checks; counter-checks; new account kits; key box contents; REG E debit card disputes; Teller/CSR over-short; cash transactions over $3,000; coin machine and ATM balancing; and Frost/Fed/TIB cash and coin buy/sell transactions.
• Willing to travel to different locations within the organization.
• Willing to cross sell all bank and non-banking products and services.

New Account Representative Functions (50%)

• Perform Teller Duties as required.
• Execute wire transfers.
• Interview customers in order to obtain information needed for opening accounts or renting safe-deposit boxes.
• Answer customers’ questions, and explain available services such as deposit accounts, CDs, and IRAs.
• Inform customers of procedures for applying for services such as Online Banking, ATM cards, direct deposit of checks, certificates of deposit and IRAs.
• Learn and follow CIP policy when opening new accounts.
• Obtain all necessary information and required documentation to open specific account type.
• Use computers and computer systems/programs to set up functions, enter data, or process information.
• Compile information about new accounts, enter account information into computers, scan and file related forms or other documents.
• Compile, code, categorize, calculate, tabulate, audit or verify information or data.
• Obtain credit records from reporting agencies.
• Cross-sell other value-added bank products and services.
• Issue initial and replacement safe deposit keys to customers and manage vault access to safety deposit boxes.
• Analyze information and evaluate results to choose the best solution and solve problems.
• Refer customers to appropriate bank personnel in order to meet their financial needs.
• Develop specific goals and plans to prioritize, organize, and accomplish your work.
• Assess the value, importance, or quality of things or people.
• Develop constructive and cooperative working relationships with others, and maintaining them over time.
• Perform day-to-day administrative tasks such as maintaining information files and processing paperwork.
• Monitor and review information from materials, events, or the environment, to detect or assess problems.
• Handle complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.
• Willing to travel to different locations within the organization.
• Willing to cross sell all bank and non-banking products and services.

Location:  Any

FULL-TIME

Summary:

This position exists to ensure that technical systems, policies, and procedures are maintained in order to provide a balance of high-quality service to the customers, while ensuring adequate internal controls.  This includes all back office, data center, and branch functions.   The position also oversees a team that provides technical system hardware and software support, computer system development, backup processing, and server and network infrastructure installation/maintenance.  The position also interfaces with other team leaders and executives to solve problems and create workflow efficiencies.  Finally, this position aids in the construction and development of new branches from a technical perspective.

Essential Duties and Responsibilities:

• Modify, install, and maintain operating software and related equipment to provide efficient utilization with minimum down time.
• Identify and solve system operating problems.
• Provide technical assistance to staff and customers.
• Prepare and presents instruction to personnel.
• Work to improve operations, streamline work processes and work cooperatively and jointly to provide quality customer service.
• Setup and install computer hardware and software, including printers and related peripherals.
• Perform maintenance and repairs on computer hardware, including backup, recovery and equipment cleaning.
• Respond to and resolve inquiries and complaints
• Monitor operational performance and troubleshoot system problems. Isolate the cause of system failures.
• Train users on computer hardware and software
• Research and purchase computer and network equipment hardware/software.
• Develop plans for installing and rolling out new applications and products to both internal users and customers
• Setup and maintain networking infrastructure which included branch to branch connectivity and external connections to vendors.
• Plan and maintain the data center environment including hardware and software for host and virtual machines.  This includes capacity planning for growth of the bank.
• Monitor and maintain the backup solution for the banks IT environment.
• Oversee the selection and managements the bank’s technology related vendors.
• Oversee Remote Merchant Capture program, including solicitation of new business, oversight of daily operations and general accounting of transactions.  Manage the overall risk associated with this program.
• Oversee Internet Banking, Bill Pay, and Telephone Banking, including solicitation of new business, oversight of daily operations and general accounting of transactions.  Manage the overall risk associated with this program.
• Actively participate in budget process for areas of responsibility as well as shared input from a technology standpoint for other areas of the bank not reporting to this position.
• Maintain current knowledge of bank policies, guidelines and regulatory requirements for areas of responsibility. Present policy updates annually or as needed.
• Prepare reports and meeting minutes for senior management as required.
• Exercise management authority concerning staffing, performance appraisals, promotions, salary recommendations and corrective action.
• Maintain a cooperative work environment within the location and between other departments. Coordinate with Branch Managers on operational processes to maintain adequate controls and quality service to customers.
• Ensure the uptime availability and integrity of the Bank’s core processing system, as well as the uptime availability, security and integrity of the Bank’s network.
• Oversee core system maintenance.  Ensure that temporary fixes, upgrades and year end programs are applied to the core system software as required, notifying affected users prior to system changes.
• Lead regularly scheduled IT committee meetings to ensure the committee is aware of the senior management group’s concerns, successes, and upcoming activities. Conduct regularly scheduled meetings with direct report staff to discuss and follow up on issues, status, roadblocks, status etc.
• Ensure the security of the Bank’s core processing system.  Ensure that employee/users have access only to those functions required to perform their jobs, and that all access is controlled by the Security Officer.  Ensure that passwords are required for access and each user is responsible for creating personal passwords.  Ensure that system security requires passwords to be changed periodically.
• Oversee Data Processing operations.  Ensure customer account records are updated daily on the host banking system database.  Ensure processes and controls are in place that will guarantee all systems are accurately uploaded and balanced as scheduled.  Ensure information reports are delivered timely to the correct bank-wide areas.  Oversee all year end processing and regulatory reporting ensuring timely completion. Ensure adequate system back-ups are occurring and periodically tested for recovery.
• Create and maintain a short-term and long-term technology plan.  Forecast bank needs and prepare expenditure requests for presenting to Board for approval. Develop disaster recovery and contingent operations plans to ensure business resumption.
• Incumbent will stay abreast of market trends and regulatory changes.
• Assist the bank’s Security Officer with installation and maintenance of bank security systems and related vendors.
• Develop policies and procedures for the protection of bank assets and information.
• Ensure the security of the bank’s network and data infrastructure.

Knowledge, Skills, and Abilities:

• College Degree in a relevant field, or relevant education and certifications in-lieu of degree
• 10+ years’ experience in information technology, experience in a banking or other regulated industry preferred
• Knowledge of all areas of documentation, compliance, regulatory and legal requirements for operations.
• Experience with various banking systems and core systems for management including input, monitoring, and reporting requirements
• Personal computer skills; Word/Excel/PowerPoint/Internet/ and ability to learn new programs and train team accordingly
• Great interpersonal skills that is effective communicator
• Excellent verbal and written communication skills with all levels of staff, management, and customers
• Organized and detail oriented as well as independent self-starter
• Ability to maintain confidential information

Job Complexity:

Decision Making:

• Ability to motivate team, coach team, identify/define/solve problems and collect/analyze data. Ability to interpret regulatory requirements and evaluate and implement operating decisions that enforce compliance.
• Ability to make sound decisions independently and only escalate as needed.

Consequence of Errors:

Errors may result in loss of customer, risk to the bank, poor community image and regulatory citing.

Confidentiality:

This position has access to confidential records concerning the business and financial affairs of customers and employees. This information should not be discussed except in the performance of required tasks.

Internal/External Contacts:

This position interacts with other employees, customers, other banks, vendors, and members of management. Ability to communicate and work well with all teams.

Direction of Others:

Must be able to manage Operations employees as well as dotted line to Branch Executives for consistency and adherence to all regulatory requirements. Must be able to train.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential function. Required to regularly stand; walk; climb stairs; sit; use hands to finger, handle and feel; reach with hands and arms; and talk or hear. May be required to lift and/or move up to 25 pounds on occasion.