Open Positions
Commercial Loan Processor II
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Location: Corporate Headquarters
Basic Qualifications:
- Education/Training: A high school diploma or equivalent; specialized loan processing education/training.
- Skill(s): Must demonstrate strong communication skills; proficient reading, writing, grammar, and mathematics skills; moderate interpersonal relations and communicative skills; proficient PC skills, including Microsoft Word and Excel, and knowledge of lending software; moderate knowledge of loan documentation and requirements for completion; proficient in all phases of loan documentation and processing for small business/commercial, residential, and consumer transactions; visual and auditory skills.
- Experience: A minimum of three (3) years’ experience in related loan processing positions normally required.
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Brief Job Overview:
- Responsible for performing a variety of duties to support the loan documentation and loan processing function for commercial/small business, residential, and consumer loan transactions;
- Abiding by company attendance policies;
- Coordinating work within the department, as well as with other departments;
- Reporting pertinent information to the immediate supervisor;
- Responding to inquiries or requests for information.
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Essential Duties:
- Performs a variety of duties to support the loan documentation and loan processing function as follows:
- May enter loan application information onto the computer as necessary.
- Verifies moderately complex loan information pertaining to commercial/small business, residential and consumer lending in preparation for final loan documentation for closing.
- Verifies loan applicants’ data submitted and collecting and analyzing information which reflects the current credit worthiness of customers and the current merits of existing loans.
- Contacts credit bureau and employers to verify accuracy of information.
- Reviews loan application files to verify that application data is complete and meets establishment standards, including, but not limited to, type and amount of loan, borrower assets, liabilities, and length of employment.
- Contacts specified companies to obtain property abstract, survey, and appraisal.
Informs underwriters of discrepancies in title or survey.
- Calculates debt ratios and loan to values as appropriate to the transaction at hand.
Follows up and completes any additional records with regard to the processed loans; completes amendments and modifications as needed; provides customer support when necessary; makes contact with customers in order to complete loan processing.
- Obtains additional needed information through a variety of methods in order to ensure that the proper preliminary documentation has been obtained prior to the preparation of final loan documentation, i.e. articles of incorporation, business agreements, certificate of good standing, appraisals, automated underwriting findings, investment account statements, etc.
- Ensures that loans are properly approved and generates and distributes loan documentation for closings between customers, settlement agents (as applicable) and the bank (loan officers and/or branch personnel); reviews HUD Settlements statements and verifies accuracy and funds to close.
- Reviews executed loan documentation to ensure that the proper signatures have been obtained after closing including loans where documentation has been prepared by outside counsel; ensures all the proper documents are included in the final loan file and completes the organization of the permanent loan documentation file.
- Performs file maintenance; inputs exceptions; prepares final documents for imaging and filing.
- Assists in the preparation of Adverse Action Notices to loan applicants.
- May assist in the training of Loan Processor I(s).
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Personal Banker
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Location: Various Locations
Basic Qualifications:
- Education/Training: A high school diploma or equivalent. Associate’s degree or General Banking Diploma preferred. Training in customer service, telephone etiquette, and sales needed.
- Skill(s): Must demonstrate strong communication skills; proficient reading, writing, grammar, and mathematics skills; excellent interpersonal relations, communicative and sales skills; proficient PC skills; a comprehensive knowledge of all bank forms and documents used in opening new accounts; a proficient knowledge of the teller system, transaction documents, and processing customer transactions; knowledge of vault transactions and balancing; a working knowledge of bank consumer and business products and services, along with the operating policies and procedures that impact these products; visual and auditory skills.
- Experience: A minimum of five (5) years' experience in customer service or bank operations positions normally required.
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Brief Job Overview:
- Responsible for working as an active member of the branch office sales/service team and providing support related to the day-to-day branch operational activities and financial services of the Bank;
- Abiding by company attendance policies; coordinating work within the office, as well as with other departments;
- Reporting pertinent information to the immediate supervisor;
- Responding to inquiries or requests for information;
- Assisting the immediate supervisor with administrative tasks to support office operations.
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Essential Duties:
- Works as an active member of the branch office sales/service team as follows:
- Provides support related to the day-to-day operations and financial services of the Bank, including, but not limited to, customer service for new accounts, customer transactions, retail banking products, and addressing and resolving customer concerns.
- Performs all CSR and Teller related duties on a regular basis; processes all new account transactions and follows-up with all additional responsibilities related to account opening including, but not limited to, maintenance of accounts, BSA compliance, Safe Deposit vault services, and accepting wire transaction requests.
- Assists customers with product selections for accounts and financial services throughout the Bank including Wealth Management, Cash Management Services, and Merchant Services cross-selling.
- Provides paying/receiving services to customers; maintains and balances a cash drawer and may run transactions for and balance the vault; maintains knowledge and skills in the areas of Teller & vault transaction processing, safe deposit, and discussing and accepting credit applications.
- Supports the Branch Manager and Assistant Branch Manager by providing leadership, training, and support to less experienced branch staff members.
- Provides clerical assistance, support, and customer contact knowledge and insight to the lending team.
- Exemplifies the highest level of customer service; reinforces, monitors, and coaches the established customer service standards.
- Actively contributes to the achievement of the Bank’s strategic plan while exemplifying the Core Values of the organization.
- Maintains knowledge in aspects of the loan process including discussing and accepting credit applications, profiling, and document gathering.
- Assists the Branch Manager in coaching and development of staff members through cross training, leading branch huddles, and sharing of branch responsibilities.
- Works with the Branch Manager to ensure adherence to the Self Audit Checklist in order to maintain a satisfactory audit.
- Assists with various responsibilities of the branch including, but not limited to, processing daily overdrafts, signing authority, system overrides, and staffing needs.
- Reviews daily, weekly, and monthly reports for accuracy and follow-up.
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Teller
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Location: Various Branch Locations
Minimum Qualifications:
- Education/Training: A high school diploma or equivalent;
- Skill(s): Must demonstrate strong communication skills; moderate reading, writing, and grammar skills; proficient analytical and mathematics skills; proficient communicative and interpersonal relations skills; knowledge of PC and teller computer system; knowledge of bank products and services; ability to operate various office machines; ability to lift approximately fifty (50) lbs. of coin; visual and auditory skills;
- Experience: Cash handling experience normally required.
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Brief Job Overview:
- Responsible for performing a variety of duties to support the paying and receiving function of the branch office;
- Coordinating work within the department, as well as with other departments;
- Reporting pertinent information to the immediate supervisor;
- Responding to inquiries or requests for information.
- Must be available to work weekdays, Friday evenings and Saturday mornings.
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Essential Duties:
- Performs a variety of duties to support the paying and receiving function of the branch office of which the following are illustrative:
- Processes customer transactions, such as check cashing, deposits, withdrawals, money orders and cashier’s checks.
- Verifies cash and endorsements.
- Balances cash drawer.
- Receives and credits MasterCard and Visa payments; issues cash advances.
- Balances and services ATM machines.
- Balances night deposits.
- May be required, on occasion, to provide safe deposit box services to customers.
- Suggests other bank services to customers; refers sales opportunities to personal bankers and wealth management personnel.
- Coordinates specific work tasks with other personnel within the department as well as with other departments in order to ensure the smooth and efficient flow of information.
- Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the work place.
- Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, etc.
- Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate bank personnel.
- Responds to inquiries relating to his/her particular area, or to requests from customers, other bank personnel, etc., within given time frames and within established policy.
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To Apply
- Complete the following Peoples Security Bank & Trust Company Employment Application:
Employment Application
We consider applicants for all positions without regard to race, color, religion, sex, national origin, age, marital or veteran status, qualified disability, or any other protected status. Qualified applicants are considered for employment according to the federal laws and state laws of the respective state of employment.
Applications will be accepted for specific openings only. Due to the volume of applications that we receive, only those candidates selected for interviews will be contacted.
In addition to an equitable salary and equal opportunities for professional development and advancement, there are other benefits that a position with Peoples Security Bank & Trust Company offers which enhance your job satisfaction.
Peoples Security Bank & Trust Company believes that good benefits are a sound investment in its employees. A quality benefits program not only ensures the loyalty of long time capable employees, but also helps to attract talented newcomers that can help the Bank grow.
Benefits Offered to Eligible Employees
Health
- Health Care (for employees and dependents)
- PPO and QHD Medical Plans
- Dental Plan
- Vision Plan
Life Insurance and Disability
- Life Insurance
- Short Term Disability Coverage
- Long Term Disability Insurance
- Accidental Death and Dismemberment Insurance
Retirement
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Additional Benefits
- Paid Time Off
- Paid Holidays
- Bereavement Pay
- Jury Duty Pay
- Free Checking Account
- Free Safe Deposit Box
- Employee Assistance Program
Education and Advancement
- Banking Classes paid by Bank
- Internal Advancement Opportunities
- Tuition Reimbursement
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Peoples Security Bank & Trust Company always retains the right to modify, supplement, or revise benefits for current and/or former employees.
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