Career Opportunities

Job Description

The Universal Banker is responsible for establishing, retaining, and deepening customer relationships by opening and closing accounts, as well as performing teller transactions in support of the Bank's goals and objectives. The Universal Banker identifies customer needs for bank products and services, reporting directly to the Retail Bank Manager.

Salary Range: $17.00 - $18.00 per hour

Duties & Responsibilities

• Demonstrates knowledge and understanding of the new accounts system database by opening, maintaining, and closing customer accounts in accordance with operating controls, including legal, corporate, and regulatory procedures to ensure the safety of customer assets.
• Provides high-level customer service in person and via telephone to assist customers with account inquiries and/or concerns
• Builds trust with current and potential customers to understand their product/service needs, and provides solutions that will benefit the customer
• Educates customers on Identity fraud
• Performs teller responsibilities in accordance with the Teller job description
• Actively reinforces and contributes towards the Bank’s ALWAYS value system
• Promotes a team environment
• Performs other duties as assigned by management

Education & Work Experience

A high school diploma or GED equivalent, along with a minimum of one year of experience in retail customer service, is required.  A minimum of 1 year of banking experience is preferred.

Mental & Physical Requirements

Ability to sit and stand for extended periods of time, ability to bend, squat, and kneel on occasion, ability to lift 30 lbs. consistently, can prioritize, analyze, and resolve problems, and possess strong time management and organizational skills.

Competencies

Basic computer skills required, math aptitude, strong written and oral presentation skills, attention to detail, problem-solving skills, and the ability to handle high-pressure situations while maintaining composure.

Consideration for pay is based on neutral factors and criteria such as required qualifications, experience, education, skill, training, certifications, or seniority and that we reserve the right to offer the selected candidate a salary at an appropriate level to be set and determined by the employer that is commensurate with the applicant’s qualification, experience, education, skill, training, certifications, or seniority.

Job Description

The SVP of Lending is directly responsible for developing and managing lending strategies that drive growth while maximizing profitability with minimal risk. The SVP of Lending manages and mentors high-performing lenders and collections representatives. This position reports directly to the Bank President.

Duties & Responsibilities

• Develops & executes the Bank lending strategy, and defines goals for loan production and portfolio growth
• Implements, directs, and monitors lending policies & procedures, and ensures operations are compliant, effective, and efficient
• Enforces credit risk policy, procedures, and underwriting guidelines
• Manages and mentors high-performing lending professionals, promoting a culture of accountability, continuous improvement, and exceptional service
• Leads the collection process, implementing strategies to manage delinquencies & minimize losses
• Coordinates with other departments to ensure seamless execution of lending programs
• Builds and maintains strong relationships with clients and key business partners
• Represents Better Banks in the community and promotes the Bank’s brand
• Serves as a member of the loan committee and as a key member of the executive team
• Performs as a Lender under the Lender job description
• Performs other duties as assigned by the Bank President

Education & Work Experience

Bachelor’s degree in finance, business administration, or related field, minimum of 5 years’ supervisory/leadership in lending, preferably within a community bank; minimum of 7 years’ professional experience in consumer, commercial, mortgage, and indirect lending & collections.

Mental & Physical Requirements

The ability to sit/stand/kneel/bend/for extended periods of time, strong analytical skills with focus on finance data, determination and motivation, ability to work under high pressure and remain composed, exceptional communications, negotiation and interpersonal skills, attention to detail, organization, prioritization, time management skills, ability to lift up to 20 lbs. on occasion.

Competencies

Experience managing a large loan portfolio and driving business growth, expert knowledge of lending regulations, credit risk analysis, and underwriting principles. Advanced technological skills, including bank computer systems and lending software, are preferred.

Consideration for pay is based on neutral factors and criteria such as required qualifications, experience, education, skill, training, certifications, or seniority and that we reserve the right to offer the selected candidate a salary at an appropriate level to be set and determined by the employer that is commensurate with the applicant’s qualification, experience, education, skill, training, certifications, or seniority.

Job Description

The Teller performs routine transactional, operational, and customer support tasks efficiently and accurately through knowledge of standard operating procedures, and identifies customer needs for bank products & services. The Retail Bank Manager directly supervises the Teller.

Salary Range: $16.00 - $17.00 per hour
25-30 hours/week

Duties & Responsibilities

• Provides high-level customer service in person and via telephone to perform routine customer transactional and operational cash responsibilities, i.e., deposits, withdrawals, check cashing, safe deposit box entry, etc., as well as balancing the Teller drawer, bank vault, and ATM, with strong attention to detail and accuracy
• Fosters relationships with potential and current customers to educate and connect them to bank products, services, and technology solutions
• Actively reinforces and contributes towards the Bank’s ALWAYS value system
• Promotes a team environment
• Complies with applicable policies, procedures, and regulations, while minimizing risks and protecting confidential customer and bank information
• Performs other duties as assigned by management

Education & Work Experience

High school diploma or GED equivalent.

Mental & Physical Requirements

Ability to stand for extended periods, occasional bending, kneeling, and squatting. Ability to lift 5 lbs. consistently and 30 lbs. occasionally.

Competencies

Basic math aptitude is required, and experience in money handling is desired; the ability to exercise sound judgment is helpful. Strong oral communication skills, customer service abilities, legible handwriting, problem-solving skills, and basic computer proficiency are required. Attention to detail is critical.

Consideration for pay is based on neutral factors and criteria such as required qualifications, experience, education, skill, training, certifications, or seniority and that we reserve the right to offer the selected candidate a salary at an appropriate level to be set and determined by the employer that is commensurate with the applicant’s qualification, experience, education, skill, training, certifications, or seniority.

Job Description

• Interviews customers seeking loans, collects and analyzes financial and related data to determine if applicants meet established minimum criteria for creditworthiness, rejects or approves loans and terms within limits and established bank policies
• Monitors loan repayment activities and performs field work as necessary to locate and collect delinquent loan payments or secure collateral; takes actions required to collect from past-due accounts
• Develops and maintains positive relationships with existing and prospective customers
• Cross-sells bank products and services
• Maintains knowledge and understanding of commercial lending functions, rules, regulations, laws, and policies & procedures
• Actively participates in community events and represents the Bank with a high level of integrity and professionalism
• Handles customer inquiries and/or concerns
• Adheres to bank policies and supports management decisions and goals in a positive, professional manner
• Performs other duties as assigned by senior management

Education & Work Experience

A bachelor's degree in accounting, business, or finance, along with a minimum of 5 years of experience as a commercial lender, is required.

Job Description

The lender is directly responsible for developing and managing mortgage, consumer, commercial, and ag loan accounts that meet established lending objectives and requirements, driving marketing efforts to build positive relationships and loan portfolios, and promoting the bank's profitability and productivity.

Salary Range: $55,653 - $83,479 with 12% bonus potential

Duties & Responsibilities

• Interview customers seeking loans, collect and analyze financial and related data to determine if applicants meet established minimum criteria for creditworthiness, reject or approve loans and terms within limits and established bank policies
  
• Monitors loan repayment activities and performs field work as necessary to locate and collect delinquent loan payments or secure collateral; takes necessary actions to collect from past-due accounts
  
• Develops and maintains positive relationships with existing and prospective customers
  
• Cross-sells bank products and services
  
• Maintains knowledge and understanding of lending functions, rules, regulations, laws, and policies & procedures
  
• Actively participates in community events and represents the Bank with a high level of integrity and professionalism
  
• Handles customer inquiries and/or concerns
  
• Adheres to bank policies and supports management decisions and goals in a positive, professional manner
• Performs other duties as assigned by senior management

Education & Work Experience

A bachelor's degree in accounting, business, or finance is required, AND/OR a minimum of 5 years of experience performing in a lending capacity such as managing mortgage, consumer, commercial, or ag loans.

Mental & Physical Requirements

Ability to sit/stand/kneel/bend/for extended periods, lift up to 20 lbs on occasion, developed interpersonal abilities, ability to work under high pressure while remaining composed, self-driven and motivated, ability to communicate with clients, co-workers, and outside agencies in writing, person, and over the telephone.

Competencies

Strong credit analysis and underwriting skills, advanced lending principles and methods, business objectives of a lending department, proficiency in Microsoft Office products, proficiency in Bank core processing systems, attention to detail, organizational, time management, and problem-solving skills.

Consideration for pay is based on neutral factors and criteria such as required qualifications, experience, education, skill, training, certifications, or seniority and that we reserve the right to offer the selected candidate a salary at an appropriate level to be set and determined by the employer that is commensurate with the applicant’s qualification, experience, education, skill, training, certifications, or seniority.