Personal Banker

Position Summary: 

This position reports to the Assistant Branch Manager, Branch Manager, or Business and Branch Services Director.  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

Commercial Banking Officer 

Position Summary:

This position reports to the Chief Lending Officer and/or Market Leader and responsibilities include creating new banking relationships and maintaining existing banking relationships consisting of loan and deposit products. 

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.
• All other duties as assigned. 

Skills and Abilities:

• 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 and the time of others.
• Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
• Persuasion - Persuading others to change their minds or behavior.
• Speaking - Talking to others to convey information effectively.
• Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.

Competencies:

• Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
• Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
• Speech Clarity - The ability to speak clearly so others can understand you.
• Written Comprehension - The ability to read and understand information and ideas presented in writing.
• Inductive Reasoning - The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
• 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.
• Leadership skills to direct a staff of up to 2 subordinates. 

Working Conditions:

The work for this position is conducted in an office environment.  Travel will be required to receive training, attend meetings and develop relationships with existing and potential customers.  Work on Saturdays and evenings may be necessary as this position requires community involvement and attendance to community events.  

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 

Internal Auditor

Position Summary:

This position reports to the Internal Audit Manager and is responsible for assisting development and implementation of Internal Audit Policy and Procedures.  This position is also responsible for assisting in the planning, executing and reporting the results of risk-based audits performed to determine the adequacy of the Company’s system of internal controls and risk management processes. 

Essential Functions:

• ·       Assist in conducting the Internal Audit activities in accordance with the professional standards of the Institute of Internal Auditors’ (IIA).

• ·       Assist in the annual risk assessment to identify and evaluate the level and types of risk posed to the organization by each line of business and assist in developing an annual Audit Plan.

• ·       Assist in the oversight (to include approval of scope and final report) of all outsourced internal audits.

• ·       Reviews policies and procedures for safeguarding financial institution assets.

• ·       Assist in the planning, implementation, coordination, and execution of internal audits, including the design and execution of the audit program, using a risk-based auditing approach, including employee account reviews and construction draw reviews.

• ·       Recommends and assists in the development of procedures and controls which are indicated through normal audit reviews.

• ·       Assist the Internal Audit Manager with the written reports of internal audit reviews given to the Board of Directors, including findings, analyses, conclusions and recommended actions.

• ·       All other duties assigned.

Skills and Abilities:

·       Time Management - Managing one's own time.

·       Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

·       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.

·       Speaking - Talking to others to convey information effectively.

·       Writing - Communicating effectively in writing as appropriate for the needs of the audience.

·       Mathematics - Using mathematics to solve problems.

Competencies:

• 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.
• 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.
• Deductive Reasoning - The ability to apply general rules to specific problems to produce answers that make sense.
• Inductive Reasoning - The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
• Knowledge- The ability to be proficient in the application of internal auditing theory, standards, procedures and techniques.

Working Conditions:

The work for this position is conducted in an office environment. Travel will be required to drive to each bank facility as needed for audits. This position may require some extended hours as workload and deadlines dictate. 

Education and Experience:

Bachelor’s degree in accounting and/or business administration required; MBA preferred. At least 4 plus years of prior work experience, in a financial institution preferred.

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

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 work load. 
• 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 work load.    

Experience and Education:

Associate's Degree (or other 2-year degree) and/ or equivalent loan administration experience. Three 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 

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 

Human Resources Generalist

Position Summary:

This position reports to the Human Resources Manager and is responsible for various HR functions. This position will be responsible for personnel records, hiring/termination processes, compiling reports, processing payroll, and benefit administration. This position is responsible for providing assistance to the Human Resources Manager and the Senior Human Resources Generalist in daily activities and special projects. 

Essential Functions:

• Conduct talent acquisitions and onboarding for the bank. Including but not limited to: Sourcing qualified applicants and schedule/conduct interviews.
• Manage that the pre-employment process is completed and cleared for hire in a timely manner.
• Manage all the new hire documents for completion.
• Manage all benefit and 401K enrollments.
• Maintain and complete company Affirmative Action Plan - Work directly with vendor to provide documentation annually.
• Complete and upload yearly ACA reports, EEO-1 reports, and VETS 4212 reports annually.
• Complete call reports monthly and quarterly.
• Complete internal employee job transitions and employee company officer promotions.
• Complete employee banking audits.
• Ability to assist employees with any questions relating to all HR functions and Employee Banking.
• Manage employee loan requests. Confirm accuracy of all collected documents needed to decision the loan.
• Conduct employee annual and 90-day performance reviews. 
• Review, process, and audit monthly insurance billing against payroll deductions and previous monthly billing.
• Coordinate bank’s Wellness Program.
• Review, input, and process payroll semi-monthly for the entire company electronically using company HRIS platform. 
• Maintain working knowledge of company HRIS platform.
• Prepare New Year documents such as Holiday Schedule and Payroll Schedule.
• Maintain working knowledge of FMLA, ADA, and make sure company policies stay compliant with local, state, and federal employment laws.
• Assist with maintaining accurate employee records and with any internal and external department audits, i.e. payroll, HR, 401K.
• Represent the Bank at Career Fairs and other Recruiting activities as determined by management.
• Serve as a back-up to process employee bank transactions/loans.
• Serve as a back-up to all Senior HR Generalist functions.
• All other duties as assigned.

 Knowledge and Skills:

• Communication - Excellent verbal and written communication skills.
• Interviewing Skills - Strong interviewing skills.
• Analytical- Strong analytical and problem-solving 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.
• Time Management - Managing one's own time and the time of others.
• Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

Attributes:

• 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.
• Written Expression - The ability to communicate information and ideas in writing so others will understand.
• Near Vision - The ability to see details at close range (within a few feet of the observer).
• Speech Clarity - The ability to speak clearly so others can understand you.
• Information Ordering - The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
• Mathematical Reasoning - The ability to choose the right mathematical methods or formulas to solve a problem.

Experience and Education:

Bachelor's degree in Human Resources, Business Administration, or related field and knowledge of Human Resources functions with at least three to five years’ experience in a human resources department preferred.  Alternate preparation such as an associate's degree with over five years of direct HR experience may be substituted. Human Resource experience in banking industry preferred. 

 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