Relationship Manager

Position Summary: 

This position reports to the Branch Manager, Assistant Branch Manager, or Chief Retail Banking Officer.  This position is responsible for assisting customers desiring to open bank accounts, explaining banking services available to prospective customers and assisting them in preparing application forms.

Essential Functions:

• Inform customers of procedures for applying for services such as ATM or debit cards, direct deposit of checks and certificates of deposit.
• Obtain customer information needed for opening accounts or renting safe-deposit boxes.
• Answer customers' questions, and explain available services such as deposit accounts, Online banking, mobile banking, etc.
• Refer customers to appropriate bank personnel to meet their financial needs.
• Compile information about new accounts, enter account information into computers, and file related forms or other documents.
• Investigate and refer errors to appropriate bank personnel.  
• Perform Personal Banker duties as needed.  
• Assist in teller/vault audits when needed.
• All other duties assigned.

Skills:

• Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Speaking - Talking to others to convey information effectively.
• Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
• Mathematics - Using mathematics to solve problems.
• Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
• Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.

Attributes:

• Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
• Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
• Speech Clarity - The ability to speak clearly so others can understand you.
• Speech Recognition - The ability to identify and understand the speech of another person.
• Near Vision - The ability to see details at close range (within a few feet of the observer).
• Problem Sensitivity - The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.

Experience and Education:  

High School Diploma (or GED or High School Equivalence Certificate);   5+ years of banking (branch) experience, with at least 2 years of Relationship Manager (CSR) related experience.

 Resource Bank strives to be the employer of choice - EEO\Minority\Female\Vets\Disabled

Personal Banker

Position Summary: 

This position reports to the Branch Manager, Assistant Branch Manager, Relationship Manager/Lead Teller, or Chief Retail Banking Officer. This position is also responsible for maintaining and balancing a cash drawer in addition to rotating the branch vault, which includes cash, coin, negotiable instruments, etc.      

Essential Functions:

·       Receives checks and cash for deposit, verifies amount, and examines checks for endorsements, legal amounts, dates, etc.

·       Cashes checks and pays out money after verification of signatures and customer balances.

·       Process transactions such as withdrawals, IRA contributions, HSA contributions, loan payments, night deposits, mail deposits, etc.

·       Ensures and provides quality service to both internal and external customers.

·       Assists customers in accessing safety deposit boxes.

·       Examines coupons and bills presented for payment to verify issue, payment date and amount due.

·       Performs trial balances throughout the day.

·       Balances currency, coin and checks in cash drawer at end of shift.

·       Greet individuals as they enter branch and drive-up window.

·       Process work through Branch Capture equipment.

·       Assist customers with services such as ordering ATM or debit cards, requesting stop payments, changing addresses, etc.

·       Follow and comply with all bank regulations and security procedures.

·       Complete all training requirements, including compliance, in a timely manner.

·       Process transactions within established policies and procedures.

·       Ability to lift coin bags of varying weight.

·       All other duties as assigned.

Skills: 

• Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Speaking - Talking to others to convey information effectively.
• Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
• Mathematics - Using mathematics to solve problems.
• Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
• Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.

Attributes:

·       Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.

·       Oral Expression - The ability to communicate information and ideas in speaking so others will understand.

·       Speech Clarity - The ability to speak clearly so others can understand you.

·       Speech Recognition - The ability to identify and understand the speech of another person.

·       Near Vision - The ability to see details at close range (within a few feet of the observer).

·       Problem Sensitivity - The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.

 Experience and Education:

High School Diploma (or GED or High School Equivalence Certificate). Previous teller experience preferred.  Cash handling experience preferred.

 Resource Bank strives to be the employer of choice - EEO\Minority\Female\Vets\Disabled

Loan Servicing and Collateral Specialist

Position Summary:

This position reports to the Loan Administration Manager and is responsible for performing duties too varied and diverse to be classified in any specific office clerical occupation.  Position may require learning new systems as entry level support, answering phones, filing and copying, and various loan maintenance. 

Essential Functions:

• Operate office equipment such as fax machines, copiers, and phone systems, and use computers for spreadsheet, word processing, database management, and other applications.
• Create and/or modify memos, spreadsheets, policy or procedure documentation, or similar.
• Scans all Loan Documentation within the electronic imaging system.
• Assist with workflow of department.
• Review various daily reports.
• Coordinate the receipt and approval of departmental bills and submit to Accounting Department in timely manner.
• Handles all of the Paid files.
• Research and prepare collateral release such as Mortgage Cancellations, UCC Terminations, Auto Titles, Life Insurance Policies.
• Prepare and track all Mortgage Re-Inscriptions.
• Prepare and balance the Letters of Credits.
• Make copies of correspondence and other printed material.
• Manage departmental files.
• Answer telephones and give information to callers, take messages, or transfer calls to appropriate individuals.
• Learn to operate new office technologies as they are developed and implemented.
• Set up and maintain paper and electronic filing systems for records, correspondence, and other material.
• Uses independent judgment and decision making in carrying out the essential functions of the position.
• Conduct UCC Continuations.
• All other duties as assigned.

 Skills:

• Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
• Speaking - Talking to others to convey information effectively.  English and Spanish speaking skills preferred.
• Writing - Communicating effectively in writing as appropriate for the needs of the audience.
• Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.
• Mathematics - Using mathematics to solve problems.
• Microsoft – Proficient in Excel and Word

Attributes:

• Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
• Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
• Speech Recognition - The ability to identify and understand the speech of another person.
• Speech Clarity - The ability to speak clearly so others can understand you.
• Near Vision - The ability to see details at close range (within a few feet of the observer).
• Written Comprehension - The ability to read and understand information and ideas presented in writing.

Experience and Education:

High School Diploma (or GED or High School Equivalence Certificate) required; Minimum 1 year of work experience required. 

 Resource Bank strives to be the employer of choice - EEO\Minority\Female\Vets\Disabled

Desktop Support

Position Summary:

This position reports to the Chief Information Technology Officer and performs system and support of all data and voice systems to support the processing of all bank functions.  Duties include a variety of tasks with technical difficulties ranging from entry level PC support to system administration.  User or device support may be conducted in person, via telephone, or from remote location. This position will provide assistance concerning the use of voice, computer hardware, and software, including printing, installation, word processing, electronic mail, applications, and operating systems. To perform effectively in this role, the IT Help Desk must have demonstrated previous experience or knowledge in isolating hardware and software issues, training computer users, and troubleshooting problems with computers and other office equipment. 

Essential Functions:

• Provide end user support for all data and voice systems, maintaining friendly communication.
• Enter, track, work, and document all helpdesk tickets.
• Install and/or repair hardware, software, and peripheral equipment, following manufacturer design, installation specifications, and prescribed procedures.
• Responsible for new user and computer setup and configurations.
• Responsible for maintaining all software licensing and hardware asset inventories, including all computers, phones, tablets, servers, network equipment, mobile devices, printer equipment, and all other expensive data processing equipment.
• Maintain working knowledge of Network Infrastructure and Design. Including but not limited to all LAN/WAN infrastructure and ISP connections.
• Adhere to guidelines established in bank policies and follow defined procedures is required.
• Other duties as assigned. 

Skills and Abilities:

• Troubleshooting - Determining causes of operating errors and deciding what to do about it.
• Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
• Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
• Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Writing - Communicating effectively in writing as appropriate for the needs of the audience.
• Speaking - Talking to others to convey information effectively. 

Competencies:

• Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
• Inductive Reasoning - The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
• Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
• Written Comprehension - The ability to read and understand information and ideas presented in writing.
• Deductive Reasoning - The ability to apply general rules to specific problems to produce answers that make sense.
• Problem Sensitivity - The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem. 

Working Conditions:

The work for this position is conducted in an office environment.  The noise level in this environment is usually moderate.  Travel will be required to receive training and attend meetings.  Incumbents will be required to drive to each bank facility as needed for set-up and implantation of new systems or upgrades. Evenings and weekend work will be required based upon the workload.  A rotation of weekend on-call duty is required.

Experience and Education:

Knowledge of computer and application, Active Directory, and Office 365 functionality required.  Experience as a helpdesk technician and CompTIA A+ certification preferred.

 Resource Bank strives to be the employer of choice - EEO\Minority\Female\Vets\Disabled 

Senior Loan Administration Processor 

Position Summary:

This position reports to the Loan Administration Manager and is responsible for reviewing and preparing loan papers to ensure completeness and is responsible for the functions required to complete transactions between the loan establishment and borrowers for consumer, commercial and real estate transactions. 

Essential Functions:

• Verify and examine information and accuracy in loan approval package.
• Must be within Loan Policy Guidelines
• In Compliance with different Regulations
• HMDA
• HOEPA
• Reg B
• Reg Z
• TRID
• Verify Property Taxes
• Set up Escrow accounts
• Prepare loan documents within Laser Pro both application disclosures and closing packages.
• Prepare loan documents for Home Equity Lines of Credit (HELOC) and maybe responsible for having the mortgage recorded.
• Board loans into the core system including building out collateral for each loan.
• Set up loans (if needed) on Auto Debit from internal accounts or external accounts.
• Prepare loan file to be scanned into the electronic imaging system.
• Assists with correcting exceptions found in loan files by Loan Review.
• Assist with payment corrections and payment research.
• Waive Late Charges approved by the Officer.
• May be responsible for setting up One-Time ACH payments.
• May be responsible for posting and/or verifying Electronic Loan Payments.
• May be responsible for reviewing daily reports and process corrections as needed.
• Uses independent judgment and decision making in carrying out the essential functions of the position.
• Conduct UCC searches and file UCC Statements.
• Type and book letters of credit.
• Prepare Title work for DMV.
• Orders title work from attorney’s office or title companies.
• Request flood certificates.
• May have the authority to sign official checks.
• Must be able to multi-task and prioritize your workload. 
• All other duties assigned.

Skills and Abilities:

• Reading Comprehension - Understanding written sentences and paragraphs in work- related documents.
• Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Time Management - Managing one's own time.
• Speaking - Talking to others to convey information effectively.
• Mathematics - Using mathematics to solve problems.
• Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.
• Regulations – A full understanding and knowledge of TRID, HOEPA, HMDA, Reg B and Reg Z.

Competencies:

• Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
• Written Comprehension - The ability to read and understand information and ideas presented in writing.
• Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
• Speech Clarity - The ability to speak clearly so others can understand you.
• Speech Recognition - The ability to identify and understand the speech of another person.
• Written Expression - The ability to communicate information and ideas in writing so others will understand.

Working Conditions:

The work for this position is conducted in a back office of our bank and the requirement for travel is limited to travel for training and meetings.  This position could require working extended hours in the evenings or weekends, depending on workload.    

Experience and Education:

Associate's Degree (or other 2-year degree) and/ or equivalent loan administration experience. Five (5) years of experience in consumer and commercial loan processing preferred.  Experience in Laser-Pro preferred. 

 Resource Bank strives to be the employer of choice - EEO\Minority\Female\Vets\Disabled 

Banking Operations Specialist

Position Summary:

This position reports to the Banking Operations & Systems Director and Assistant Manager and is responsible for performing duties too varied and diverse to be classified in any specific support occupation.  Position may require learning new systems as entry and second level support, answering phones, filing and copying and performing Banking Operations functions as needed. Training may be required as it pertains to your job duties. Occasional use of personal vehicle may be required.

Essential Functions:

·       Assist in all areas of Banking Operations including but not limited to, maintenance, scanning, verifying, account documentation review, and lockbox.

·       Review all incoming documentation for accuracy, completeness, and adherence to policy.

·       Provide telephone and email support to customers (internal and external) regarding Banking Operations systems and products including, but not limited to, Remote Deposit Capture, online banking, debit cards.

·       Answer customer inquiries via phone and email.

·       Process or backup daily chargebacks, un-posteds, overdrafts, exceptions, etc.

·       Assist in all areas of customer support, customer identification and authorization, policy adherence, and general support. 

·       Review system reports for accuracy, various verification, and dual control purposes.

·       Perform data entry.

·       Operate office equipment such as fax machines, copiers, scanners, and phone systems, and use computers for spreadsheet, word processing, database management, and other applications.

·       Learn to operate new technologies as they are developed and implemented.

·       Assist in creating and updating procedures as it pertains to your job duties. Ability to apply practical judgement and understanding to carry out detailed written and oral instructions.

·       Ability to interact and communicate with other team members and customers efficiently.

·       All other duties as assigned.

Skills:

• Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Adaptability – being able to rapidly learn new skills and behaviors in response to changing circumstances.
• Communication – the imparting or exchanging of information.
• Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
• Speaking - Talking to others to convey information effectively.  English and Spanish speaking skills preferred.
• Writing - Communicating effectively in writing as appropriate for the needs of the audience.
• Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.
• Mathematics - Using mathematics to solve problems.
• Multitasking – handle more than one task at the same time.
• Professionalism 

Attributes:

• Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
• Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
• Speech Recognition - The ability to identify and understand the speech of another person.
• Speech Clarity - The ability to speak clearly so others can understand you.
• Near Vision - The ability to see details at close range (within a few feet of the observer).
• Written Comprehension - The ability to read and understand information and ideas presented in writing. 

Working Conditions:

The work for this position is conducted in a back office of our bank and the requirement for travel is limited.  Travel for training may be required from time to time.  This position could require overtime depending on workload, which first must be requested and approved by management.  

Experience and Education:

High School Diploma (or GED or High School Equivalence Certificate); Minimum 1 year work experience; prior banking experience preferred. 

Resource Bank strives to be the “employer of choice” EEO\Minority\Female\Vets\Disabled

This position reports to the Senior Commercial & Private Banking Officer/Market Leader, and responsibilities include generating new Commercial & Private Banking customer relationships, evaluating, authorizing, or recommending approval of commercial real estate, or credit loans and deposits and advising borrowers on financial matters.

Essential Functions:

• Meet with applicants to obtain information for loan applications or deposit account needs and to answer questions about the process.
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Stay abreast of new types of loan and deposit products and other financial services to better meet customers' needs.
• Explain to customers the different types of deposits, loans and credit options that are available, as well as the terms of those services.
• Ensures loan agreements are complete and accurate according to policy.
• Compute payment schedules.
• Approves loan within specified limits.
• Refers loan to loan committee for approval.
• Analyzes potential loan markets to develop prospects for loans.
• Negotiates payment arrangements with customers for delinquent loan balance.

Experience and Education:

Bachelor’s degree from four-year college or university; or four or more years related experience and/or training; or equivalent combination of education and experience required. 

Knowledge of numbers, their operations, and interrelationships including arithmetic, algebra, geometry, calculus, statistics, and their application.  Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.  Knowledge of principles and processes for providing customer and personal services including needs assessment techniques, quality service standards, alternative delivery systems and customer satisfaction evaluation technique.

 Resource Bank strives to be the “employer of choice” EEO\Minority\Female\Vets\Disabled

This position reports to the Senior Commercial & Private Banking Officer/Market Leader, and responsibilities include generating new Commercial & Private Banking customer relationships, evaluating, authorizing, or recommending approval of commercial real estate, or credit loans and deposits and advising borrowers on financial matters.

Essential Functions:

• Meet with applicants to obtain information for loan applications or deposit account needs and to answer questions about the process.
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Stay abreast of new types of loan and deposit products and other financial services to better meet customers' needs.
• Explain to customers the different types of deposits, loans and credit options that are available, as well as the terms of those services.
• Ensures loan agreements are complete and accurate according to policy.
• Compute payment schedules.
• Approves loan within specified limits.
• Refers loan to loan committee for approval.
• Analyzes potential loan markets to develop prospects for loans.
• Negotiates payment arrangements with customers for delinquent loan balance.

Experience and Education:

Bachelor’s degree from four-year college or university; or four or more years related experience and/or training; or equivalent combination of education and experience required. 

Knowledge of numbers, their operations, and interrelationships including arithmetic, algebra, geometry, calculus, statistics, and their application.  Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.  Knowledge of principles and processes for providing customer and personal services including needs assessment techniques, quality service standards, alternative delivery systems and customer satisfaction evaluation technique.

 Resource Bank strives to be the “employer of choice” EEO\Minority\Female\Vets\Disabled

This position reports to the President of Resource Bank and is responsible for the general overall administration of the compliance program. 

Essential Functions:

• Develop and maintain an in-depth, current understanding of Bank products and activities in respect to the applicability of legal/regulatory requirements. 
• Attend Board of Director’s Meeting (Audit-Compliance Committee) to present policies and procedures for Board approval and discuss compliance issues, as well as provide compliance training to the Board of Directors.
• Research regulatory reference materials and obtain advice from regulatory agency staff, legal counsel or industry group professionals to answer compliance related questions from management.
• Develop, evaluate, review and revise all compliance risk management programs and policies and procedures. 
• Coordinate and review all compliance audits, and report their results to the Audit-Compliance Committee.
• Develop Compliance Training Program to address compliance policies and procedures, as well as all applicable U.S. laws and regulations. 
• Coordinate Compliance and CRA regulatory agency examinations.
• Review all advertisements, brochures, lobby notices, signs and other promotional materials prior to printing to ensure their compliance with regulations.
• Provide appropriate compliance solutions to enhance the Bank’s ability to meet its goals and objectives.
• Oversee the Loan Documentation Review and BSA functions of the Bank.
• Act as the Community Reinvestment Act Officer for the Bank.  

Education and Experience:

Bachelor's Degree with Accounting or Finance emphasis preferred.  Have extensive (five plus years) experience in Compliance in a banking environment with progressive management experience. CRCM preferred.   

 Resource Bank strives to be the “employer of choice” EEO\Minority\Female\Vets\Disabled