POSITION DESCRIPTION

POSITION TITLE: Credit Analyst
DEPARTMENT: Credit Administration
CLASSIFICATION: Non-Exempt

REPORTING RELATIONSHIP

POSITION REPORTS TO: Senior Vice President / Credit Policy Officer & Credit Manager & Senior Credit Analyst Officer
POSITIONS SUPERVISED: None

POSITION SUMMARY

This individual will provide analytical expertise primarily for commercial loan requests in report and written memo form. Responsible for implementing the underwriting procedures and process relative to commercial lending. This individual will also implement the commercial lending loan review process and procedures. Additional tasks may be assigned when necessary relative to the commercial lending portfolio and any other analytical task associated with the lending function.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Conducts investigations, analyzes financial date, and prepares written credit analyses to assist the loan officer in credit extension decisions.
• Utilizes credit-reporting services to compile reports relating to the credit history of potential customers.
• Researches and analyzes financial statements.
  • Interprets and prepares analyses on financial performance and credit worthiness of existing and potential customers.
  • Performs spreads of corporate financial statements.
  • Insures proper grading of credits and relationships.
• Performs personal cash flow analysis based off of individual’s tax returns.
• Accompanies Loan Officers, when requested, on sales calls on clients/prospects.
• Assists Loan Officers in credit presentations to Loan Committee, when requested.
• Undertakes special projects related to job function, as determined by the Head of Credit Policy.
• Participates in community related activities.
• Monitors the financial position of established accounts, and brings any irregularities to the attention of the Loan Officer, EVP/Loans, and/or Head of Credit Policy.
• Monitors loan structure and performance to ensure compliance with policy.

EDUCATION &/OR EXPERIENCE

• College degree with major in finance is highly encouraged. Three years of experience in banking, finance, accounting or business is preferred.
• Requires knowledge and understanding of financial statements.
• Requires knowledge in making industry evaluations.
• Must be able to use a personal computer with Windows, Microsoft Word & Excel, and various other software applications (i.e. Moody’s, etc.)
• Knowledge of banking regulations, compliance, UCC and lien perfection is helpful.
• Previous on-the-job training in lending is a plus, but not required.
• Self-starter and self motivator.

OTHER SKILLS/QUALIFICATIONS

• Must possess basic language skills to write and speak clearly, effectively and appropriate to business standards.
• Must have the ability to perform mathematical calculations necessary to execute the duties of the job.
• Must be able to make sound decisions, have the ability to recognize potential problems, and take the appropriate corrective action.
• Must be well organized, accurate, and attentive to details.
• Must be cooperative and willing to assist others.

WORK ENVIRONMENT

The most frequent setting for working environment is inside the office with CRT monitor. However, the analyst will also need to spend time out of the office on field calls with the Lender to ascertain the customer’s plan of business and evaluate their facility. This could include visits to various businesses, and involve outdoor activities. Must be committed to CBT’s mission and goals.

PHYSICAL DEMANDS

There are no unusual physical demands required for this job, however, the person must be able to do sedentary work. They may occasionally have to lift up to 10 pounds typical of most office positions. The physical demands described below are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Type / Frequency / Description

• Lifting / Weekly / Credit files
• Carrying / Weekly / Credit files
• Special Visual / Daily / Computer monitor
• Handing / Daily
• Walking / Daily
• Pulling/Pushing / Daily
• Bend/Climb / Daily
• Reading / Heavy / Reports, memoranda, credit packages, etc.
• Verbal / Heavy / With staff, directors, clients and vendors
• Analytical / Heavy / Credit proposals and general memoranda
• Writing / Heavy / Memoranda, reports and letters
• Typing / Daily / Keyboarding ability is necessary

COMPLIANCE WITH REGULATORY REQUIREMENTS

The analyst should be familiar with FASB accounting principals as they relate to underwriting guidelines. They should also have a working knowledge of income taxes that apply to various corporate and individual entities. Specifically, how these laws affect the balance sheet and income statement of companies and individuals. Each associate must also understand and comply with CBT’s programs, policies, and procedures. If they are a supervisor, the must be certain that their staff understands the responsibility to comply with all applicable regulatory issues and internal programs, policies and procedures.

POSITION DESCRIPTION

POSITION TITLE: Private Banker
DEPARTMENT: Wealth Management
CLASSIFICATION: Exempt

REPORTING RELATIONSHIP

POSITION REPORTS TO: Director of Wealth Management
POSITIONS SUPERVISED: None

POSITION SUMMARY

Private Bankers are responsible for attracting wealthy, affluent and professional customers to Citizens Bank & Trust. They also work to bring in new customers who are considered “centers of influence” in the community. The bankers often meet their clients outside of the bank at a time and place convenient to the clients, and strive to give exemplary service in their market segment.

Private Bankers often coordinate guidance of their clients’ financial affairs with other trusted advisors, such as attorneys, accountants and insurance agents. In addition, they are often the primary contact in the relationship that their clients have with other Citizens Bank & Trust team members (commercial lenders, trust advisors, etc.). Therefore, the private bankers are continually reaching out to centers of influence within the community and within our own company, so that the bankers will be well-known and highly regarded by other advising professionals.

Private Bankers have production goals for new business into the bank, including deposits, loans, and investment management services.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Outside calling efforts on wealthy, affluent and professional customer prospects
• Coordinate the client’s entire banking and investment relationship with other bank associates
• Gather all documentation needed to process loan applications, and open deposit and investment accounts
• Discuss and analyze various loan strategies, and take loan applications
• Recognize investment, financial planning and estate planning opportunities for referral to other bank associates
• Attend community events, sometimes after hours, to develop connectivity with key centers of influence and potential new clients
• Work with all other lines of business in the bank, to meet the needs of your customer

OTHER SKILLS/QUALIFICATIONS

• Knowledge of Microsoft Outlook, Word and Excel
• Be familiar with federal bank regulations, as well as compliance requirements as it pertains to investment management
• Thorough knowledge of lending and deposit policies and procedures, including strong lending knowledge
• Strong knowledge of personal finance management, especially as it pertains to wealthy individuals
• Excellent customer service skills
• Requires the ability to multi-task and make sound decisions quickly
• Good phone etiquette, as well as good overall business and social etiquette

EDUCATION &/OR EXPERIENCE

• High school diploma or GED (General Education Degree) required
• Bachelor’s degree in Finance or Accounting preferred
• Extensive banking experience required
• Investment Advisory (Series 7 license) or Trust Department experience preferred
• General knowledge of the marketable securities industry
• Business development experience required
• Community involvement preferred

QUALIFICATIONS

• Excellent verbal and written communication skills
• Basic computer skills
• Must be well organized, accurate, and attentive to detail
• Demonstrates excellent customer service consistently
• Must be able to deal with stressful situation
• Must be able to multi-task
• Must have the ability to call upon wealthy and affluent customers and prospects, and discuss strategies involving investment management, loans and depository services
• Position may require the ability to work before or after normal business hours to attend various employee meetings, training sessions, and community events supported by the bank

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to stand and walk, and their hands to type on a computer, carry documents, and have ability to talk clearly and hear conversations which may take place in noisy locations, such as restaurants or other social settings. The employee is frequently required to walk and reach with hands and arms. This employee is also required to sit at a personal computer for extended periods of time. He/she is occasionally required to climb or balance, stoop, kneel, crouch or crawl. The employee must also be able to lift and move up to 25 pounds. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

WORK ENVIRONMENT

40 hours per week; may need to work overtime when duties require doing so. Will be required to work in the Saturday schedule rotation; and may be required to attend business and social events after normal work hours. Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relations skills with customers and bank associates.

COMPLIANCE WITH REGULATORY REQUIREMENTS

Each associate is responsible for compliance with all applicable regulatory requirements affecting the banking industry as well as applicable programs, policies and procedures. When an associate has supervisory responsibilities, he or she will make certain that their staff understands their responsibilities to comply with applicable regulatory issues and internal programs, policies and procedures. If employee holds professional certifications which are a requirement of their job, they will maintain all certifications and license, including continuing education, testing requirements, etc.

POSITION DESCRIPTION

POSITION TITLE: Teller & Customer Service Representative Floater – Full-time
DEPARTMENT:
CLASSIFICATION: Non-Exempt

REPORTING RELATIONSHIP

POSITION REPORTS TO: SVP & Retail Administrator
POSITIONS SUPERVISED: None

POSITION SUMMARY - Teller

Must provide quality customer service and adhere to the customer service standards as set forth by the bank. Conduct transactions between customers and the Bank accurately by following the Bank’s policies and procedures as well as federal regulations. Recognize opportunities to grow customer’s relationships by referring to other lines of business within the Bank as well as core banking products. Handle routine customer inquiries, problems and maintain favorable customer and employee relations by performing the following duties.

POSITION SUMMARY - CSR

It is this area of the Bank that greets and welcomes potential and existing customers. Responsibility of the associate in this position is to ascertain what the customer needs, and then determine how they can best be served. This position is responsible for the development of new business relationships and maintaining existing relationships. Answer questions on all services the Bank provides and recognizes selling and referral opportunities. Will cross-trains to perform various other duties including the teller line and atm to help the branch function efficiently.

ESSENTIAL DUTIES & RESPONSIBILITIES

Below includes the essential duties & responsibilities, other duties may be assigned.

• Counting and sorting money;
• Process deposits, withdrawals, payments & monetary instruments;
• Balance cash drawer daily;
• Complete Currency Transaction Reports;
• Complete Monetary Instrument Log;
• Adhere to Bank policy and federal regulations;
• Provide quality customer service;
• May be asked to assist customers with safe deposit entry;
• May assume ATM/Vault processing and other duties as assigned

ESSENTIAL DUTIES & RESPONSIBILITIES-CSR

• Always attempt to cross-sell other Bank products and services, creating a more loyal and solid banking relationship.
• Provide quality customer service by adhering to the customer service standards as set forth by the Bank.
• Open &/or close &/or perform maintenance on accounts (checking, savings, CD’s, IRA’s, etc)
• Provide notary services
• Serve as back up teller
• Must be versed in bank operational and depository compliance including but not limited to completing CTR reports and monetary instrument logs

EDUCATION &/OR EXPERIENCE

• High school diploma or GED (General Education Degree) required.
• Computer literacy preferred. Knowledge of Word & Excel a plus.

EDUCATION &/OR EXPERIENCE- CSR

• High school diploma or equivalent.
• Successful completion of in-house training program or other new accounts’ training.
• Six months prior banking experience or related customer service position
• Prior sales experience and cash handling experience is preferred

OTHER SKILLS / QUALIFICATIONS

• Demonstrates excellent customer service consistently;
• Basic computer skills (10 key);
• Communicate well with customers and their team mates;
• Must possess basic language skills to write and speak clearly, effectively and appropriate to business standards;
• Adheres to customer service standards and serve as a role model to fellow associates;
• Must be well organized, accurate, and attentive to details;
• Must be cooperative and willing to assist others;
• Must be able to deal with stressful situations;
• Must be able to multi-task and have thorough knowledge of teller functions and responsibilities.
• Shows initiative and will go the extra mile for customers and the team while working within the scope of Bank policy;
• Position may require the ability to work before or after normal business hours to attend various employee meetings, training sessions, and community events supported by the Bank.

OTHER SKILLS / QUALIFICATIONS - CSR

• Must possess basic language skills to write and speak clearly, effectively and appropriately to general business standards.
• Must have the ability to perform mathematical calculations necessary to execute the duties of the job.
• Must be able to make sound decisions, have the ability to recognize potential problems, and take appropriate corrective action.
• Must be well organized, accurate, and attentive to details.
• Must be cooperative and willing to assist others.
• Must have good listening skills as well as proper phone etiquette
• Must be able to multi-task and work under pressure.

PHYSICAL DEMANDS

To process transactions, handle cash, inspect negotiable instruments and operate required teller equipment, the employee is required to stand for long periods of time and they must possess satisfactory vision and hand/finger dexterity to perform the job duties. At times an employee might need to utilize step stools/small ladders necessitating the ability to climb, balance, kneel, stoop, bend and reach. Employee might be required to occasionally lift or move up to 25 pounds. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

WORK ENVIRONMENT

Professional environment working 40 hours per week; may need to work overtime hours when asked. Will be required to work in the Saturday rotation. May be required to work at another branch on a Saturday and/or due to staffing shortages. Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relations skills with customers and bank associates.

COMPLIANCE WITH REGULATORY REQUIREMENTS

Each associate is responsible for compliance with all applicable regulatory requirements affecting the banking industry as well as applicable programs, policies and procedures. When an associate has supervisory responsibilities, he or she will make certain that their staff understands their responsibilities to comply with applicable regulatory issues and internal programs, policies and procedures.

POSITION DESCRIPTION

POSITION TITLE: Trust and Wealth Specialist
DEPARTMENT: Trust and Investment Services Group
CLASSIFICATION: Non-Exempt

REPORTING RELATIONSHIP

POSITION REPORTS TO: Trust Administration and Operations Manager, with indirect leadership and management from the Chief Investment Officer, and Trust and Wealth Advisors.
POSITIONS SUPERVISED: None

POSITION SUMMARY

This position may be responsible for a wide variety of administrative and/or operational duties to support the day-to-day operations activities for the trust department. This individual will work closely with one or more trust advisors, the trust and wealth administrator and the chief investment officer. This position may also include attending seminars/schools to further industry knowledge such as attending FBA Trust School. The ultimate outcome is successful trust compliance and operations within the compliance framework established by the bank and codified in the policies and procedures manual.

This position can be cross-trained on additional functions and can serve as back-up support for other staff within the unit.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Operational functions and duties may include performing daily reconcilement of the trust accounting systems to respective trading companies as well as trust internal checking accounts; posting and reconciling income processing for money market funds, DTC and Mutual Fund securities; processing of incoming and outgoing wires for daily settlement of trades with respective trading companies; processing of daily trade confirmations with respective trading companies; processing and posting of all incoming and outgoing client account transfers; setting up and processing of client disbursements.
• Perform special trust operational work on one or more core systems. Protect the interests of the bank and our client relationships by accurately processing daily operational tasks on one or more of our core systems in a timely basis. Work is high volume and large dollar value. Frequently interacts with both internal and external counter parties to receive and deliver instructions for completing and properly processing work. If instructions are not clear or insufficient to detail, identifies problem and proactively resolves such with the instructing party. • Independently research and resolve processing issues. Identifies unit’s processing errors or potential processing issues, determines and implements corrective action (reverse and re-post) and communicates the impact of these actions to the appropriate parties involved. Performs system balancing work and monitors own work for accuracy.
• This position may also involve extensive client interaction to support trust and investment account relationships with our bank.
• Research and respond to client inquiries. Responds to our client inquiries regarding their work in a timely, clear and appropriate manner. Provides sufficient details to answer questions and identify errors or potential issues. Demonstrates knowledge of and is sensitive to the current regulatory environment; adheres to the Bank’s risk vision, and risk management policies and procedures; recognizes and proactively addresses risk (including but not limited to those associated with Bank Secrecy Act, anti-money laundering, consumer compliance, fair lending, fiduciary responsibilities, and privacy): Identifies and appropriately manages risks.
• Provide relationship and administrative support to the other staff within the unit;
• Provide clerical support for the Trust and Wealth Advisors, Trust Administration and Compliance Manager, Chief Investment Officer and Investment Portfolio Manager.
• Occasionally be responsible for establishing, processing, and closing of fiduciary and agency accounts.
• Occasional travel in the local area

EDUCATION &/OR EXPERIENCE

• Some experience in trust operations and compliance is highly desirable;
• 2 to 4 years direct work experience in Microsoft Word, Excel, Access and Outlook;
• Must have strong analytical skills and be capable of multi-tasking;
• Have the ability to work in a deadline driven, high volume environment;
• Strong verbal and written communication skills and detail oriented;
• Understanding of securities processing and trust operations and compliance is highly desirable;
• Previous work experience in the legal or accounting industry is a plus
• High school diploma or equivalent; and
• Some college education is a plus but not required.

OTHER SKILLS / QUALIFICATIONS

• Be organized, able to work in a complex environment, and take initiative;
• Possess proficiency with the Microsoft Office Suite of products, i.e., Word, Excel, PowerPoint, etc.;
• Be able to grasp and use trust accounting systems; and
• The ability to work with colleagues, clients and beneficiaries in a dignified manner.

PHYSICAL DEMANDS

No unusual physical demands required for this job. Must be able to do sedentary work. May occasionally have to lift up to 10 pounds typical of most office positions. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

WORK ENVIRONMENT

Professional environment working minimum 40 hours per week; may need to work overtime hours when asked. Must be accustomed to professional, business office environment in manner and dress. Must demonstrate excellent human relations skills with customers and bank associates. Must be willing to participate as a team member. Must be committed to CB&T’s Customer Service Standards.

COMPLIANCE WITH REGULATORY REQUIREMENTS

Each associate is responsible for compliance with all applicable regulatory requirements affecting the banking industry as well as applicable Citizens Bank & Trust programs, policies and procedures. Required to comply extensively with fiduciary regulations as expounded in a policies and procedures manual and take instruction from the Trust Administration and Compliance Manger.

POSITION DESCRIPTION

POSITION TITLE: Central Consumer Loan Processor (Loan Support)
DEPARTMENT: Loan Administration/Credit Administration
CLASSIFICATION: Non-Exempt

REPORTING RELATIONSHIP

POSITION REPORTS TO: Central Consumer Loan Underwriter
POSITIONS SUPERVISED: None

POSITION SUMMARY

The Central Consumer Loan Processor is responsible for preparing approved loans for closing which includes but is not limited to: preparing loan documents, preparing general ledger and loan tickets, preparing checks and wires, and send documents for recording, booking loans and all follow up after the loan is closed.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Prepare adverse action letters and process/closed out all non-originated loans.
• Work with numerous third party providers (i.e. appraisers, surveyors, attorneys, flood determination companies, etc.)
• Knowledge of bank loan policy, procedure and loan regulations.
• Prepare loan documents utilizing the Laser Pro doc prep software system
• Prepare various general ledger tickets, loan tickets, checks, and wires in order to disburse loan proceeds and prepare file for booking.
• Follow up on outstanding recorded documents, liens and title policies.
• Update any reports that are required for tracking.

EDUCATION &/OR EXPERIENCE

• Requires High School diploma or equivalent
• Knowledge in various software systems (i.e. Laser Pro, Bankway, Word, Excel)
• Know how to operate and work email and attachments, Internet, fax, phone, calculator and typewriter.
• Knowledge of loan regulatory compliance regulations.
• Typing and filing.

OTHER SKILLS / QUALIFICATIONS

• Must possess basic language skills to write and speak clearly, effectively and appropriate to business standards.
• Must have the ability to perform mathematical calculations necessary to execute the duties of the job.
• Must be able to make sound decisions, have the ability to recognize potential problems, and take appropriate corrective action.
• Must be well organized, accurate, and attentive to details.
• Must be cooperative and willing to assist others. Able to work independently, as well as work with other associates or members of upper management.
• Must possess the necessary social skills to fulfill the requirements of the position.
• Must be able to work in a fast-paced environment with demonstrated ability to juggle and prioritize multiple, competing tasks and demands, while staying calm under high-pressure situations and seeking supervisory assistance as appropriate.
• Position may require the ability to work before or after normal business hours to attend various employee meetings, training sessions, and community events supported by the Bank.

WORK ENVIRONMENT

Be willing to work in a professional, business office environment in manner and dress. Demonstrate excellent human relations skills with customers and bank associates. Be willing to participate as a team member.

PHYSICAL DEMANDS

No unusual physical demands required for this job. Must be able to do sedentary work as defined as “involving lifting no more than 20 pounds at a time and occasionally lifting and carrying articles like, docket files, ledgers and small tools”, typical of most office positions. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Type / Frequency / Description

Lifting / Weekly / Files
Carrying / Weekly / Files
Special Visual / Daily / Computer monitor
Handing / Daily
Walking / Daily
Pulling/Pushing / Daily
Bend/Climb / Daily
Reading / Heavy / Reports, memoranda, application processing system.
Verbal / Heavy / With staff, Sr. Management, vendors, and potentially Board
Analytical / Heavy / Credit proposals and general memoranda
Writing / Heavy / Memoranda, reports, emails and letters
Typing / Daily / Keyboarding ability is necessary

COMPLIANCE WITH REGULATORY REQUIREMENTS

Each associate is responsible for compliance with all applicable regulatory requirements affecting the banking industry as well as applicable Citizens Bank & Trust programs, policies and procedures. When an associate has supervisory responsibilities, he or she will make certain that their staff understands their responsibilities to comply with applicable regulatory issues and internal programs, policies and procedures.