Location: Lancaster, PA
Company: Peoplesbank
Apply to Peoples Bank today! Position Summary for Operational Specialist/Lead Teller/Vault Managment The Operational Specialist is responsible for operational aspects of the financial office. The Operational Specialist works closely with the Financial Center Manager, and as an active member of the Sales/Service Team, promotes the bank by identifying client needs and recommending appropriate products, services, and Business Partners.
The Financial Center Operational Specialist will lead the critical operational tasks within the financial center including, but not limited to oversight of all internal risk processes/procedures, financial center cash management processes, ATM management,
and the annual financial center operational review process. This individual will support advanced paying/receiving duties and support the overall service/client experience.
In addition, the Financial Center Operational Specialist will engage in basic conversational discovery with a client, aligning the needs of the client with the appropriate solution recommendation, client value recognition and commitment in a repeatable fashion to support their assigned goal attainment. The Financial Center Operational Specialist will possess good judgement and decision-making skills to ensure a sound balance of maintaining all areas of risk while also considering the client experience. Educational
& Other Requirements Must be passionate about client service and use communications and relationship management skills to ensure an exceptional level of client satisfaction.
Minimum of 3 years of banking experience including bank retail operations or equivalent Fluent in new technology products. Associate degree in finance, or business-related discipline preferred. Experience with Microsoft Office suite required. Must be bondable. Job Posted by Applicant Pro
banking relationships. Engage in consistent calling efforts in order to build new commercial relationships for the Bank taking a holistic approach to a client relationships, focusing on both lending needs and all other financial solutions offered Complete all required training to understand PB Culture and BRAVO, and demonstrate the PB client conversation model regularly in client and prospect interaction Interviews applicants, gathers and evaluates financial and related data to establish credit worthiness, establishes and re-negotiates credit terms, when necessary.
Continually monitors clients' financial condition and repayment progress. backsses clients' banking and financial needs.
Takes appropriate corrective action and prompt communication with appropriate parties at the Bank to disclose any client performance concerns. Competency in evaluating credit risks and understanding cash flow to quickly identify qualifications of new lending opportunities Meets with clients to discuss new loan requests, loan renewals, and loan modifications.
Completes Loan Analysis Reports (LARs), Modifications (MODs), and Line of Credit Renewals as required. Makes loan presentations to the Senior Loan Officers Committee and/or Board of Directors as required. Represents the bank in community organizations and activities to enhance the bank's image and maintain and enhance a referral network
for business development opportunities. Refers clients requiring specialized products and services to other areas of the bank as appropriate.
Maintains a working knowledge of all Bank products and services to recognize opportunity. Establish working knowledge of Bank's systems to effectively complete client research and input required lending information. Analyzes past due report on weekly basis and contacts delinquent accounts for collection of payments. Attend settlements and meet with customers to have documents executed as needed. Responsible for maintaining compliance with all applicable laws and regulations. Recommends modifications to bank lending policies and procedures; ensures that necessary changes are implemented expeditiously.
Updates knowledge and develops professionally on a continuing basis through various training resources. Understands the Bank's BSA/AML Policy, including satisfactory completion of required annual BSA/AML training as applicable to position and appropriately applying this knowledge to daily activities and responsibilities, specifically understanding that any suspicious activity must be reported to the BSA Officer immediately. Performs other duties as assigned. Business Banking (Small Business) Partner with Financial Centers as well as engage in calling activities to generate a robust pipeline of small business opportunities Engage with credit and settlement functions to ensure timely movement of loans generated to closing Focus on lending relationships up to $1.5MM Build full relationships by partnering with calling partners to provide small businesses with merchant, cash management services, and other needs Working knowledge of SBA 7a loans preferred Educational & Other Requirements Bachelor's Degree in business, finance, related field, or equivalent experience.
Minimum of 2-3 years of prior commercial lending experience preferred, or comparable experience in commercial lending portfolio management or credit roles.
Thorough understanding of Financial Statements, tax returns, and credit approval process. Strong human relations, communication, sales, financial leadership and analytical skills. Strong well-developed interpersonal skills in order to maximize business contacts and develop a working relationship with potential and current commercial customers. Motivation and drive must be exhibited. Interact effectively and communicate with customers via telephone and email. Interact effectively with all Bank employees. Must be bondable. Job Posted by Applicant Pro
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