eBanking/Operations Specialist

 Title:                eBanking/Operations Specialist

 Supervisor:      AVP/Central Operations Mgr.

                        SVP/Sr. NW Admin/CTO

 Department:    Central Operations

 Status:             Non-Exempt



The individual’s main goal will be to ensure the excellence of customer service provided to Bank customers. Ensure specific service needs of individual clients are addressed and managed. The individual should have a thorough knowledge and understanding of all Bank products. Performs multiple operations functions in support of branches, departments and clients. The primary duties of this position include aspects of eBanking and Central Operations.

Within guidelines and under general supervision, reconciles balances, clears outstanding balances, responds to inquiries and processes specific reports. Determines source and resolution of problems through examination of various documents and records. May also be responsible for general clerical duties associated with customer service recordkeeping requirements.



AA Business Administration or equivalent     



3 - 5 years in banking environment



  • Good Organizational Skills
  • Good Communication Skills
  • Good Writing Skills
  • Knowledge of computer programs, including Microsoft Word Excel, & Access
  • Knowledge of all Bank products
  • Have thorough knowledge of Regulation E, Regulation CC, Regulation D, BSA/AML and Compliance issues.
  • Ability to sit at workstation for long periods
  • Ability to lift up to 25lbs.

Duties will include, but are not limited to:

  • Setup/Verify Enrollment for Personal Online Banking
  • Establish and maintain Personal Online Banking files
  • Setup/Verify Cash Management Users
  • Establish and maintain Cash Management Agreements
  • Establish and maintain ACH Origination Agreements
  • Audit ACH Origination Client Files Bi-Annually
  • Setup eStatements

·         Personal and Business Clients

·         Maintain eStatement Tracking Report

  • Communicate by letter and telephone with individual and business customers
  • Process monthly charges to ACH Origination Clients


Responsible for all eBanking functions:

·         Incoming Customer Service Calls

·         eBanking

·         General phone service Calls

·         ACH Origination Processing

·         Download/Verify

·         Upload to FRB

·         Notify Client when file(s) are delivered to FRB

·         ACH Return Items

·         ACH Origination Clients

·         FED Return Processing

·         eBanking Clients

·         Stop Payment Processing eBanking

·         Download/Print & Place

·         Send to ACH Department for Verification

·         Pre-Note IAT Report

·         Certify Daily

·         eBanking Bill Payment Account

·         Reconcile Daily

·         Certify Monthly send Reconcilement to Finance

Backup Responsibilities:

a)    Outgoing/Incoming Wire Processing

·         Input Wires

·         Verify Wires

·         Contact Client

b)    Reconcile Cashier’s Checks

c)    ATM/Debit Cards- Inquiries

d)    Reject Items Review

e)    Reject OD/Return item Review

f)     Cash Ordering

·         Branches

·         Client’s/Correspondent accounts

g)    Balance ATM Account

·         Other duties assigned by supervisor


Goal is to be cross-trained in every aspect of Central Operations and eBanking


EQUIPMENT USED (if applicable):

General Office Equipment




Client Service Representative I (multiple locations)

 Title:                Client Service Representative I (multiple locations)

Supervisor:      Service Manager

Department:    Operations

Status:             Non-exempt                      Grade I                                                           



The individual will provide excellent client service to all clients of the bank.  They will process transactions for clients consistent with Bank’s policies and procedures.  They will possess a knowledge and understanding of all Bank products and services, and endeavor to sell these products and services to new and existing clients.  They will further ensure that the Bank is not placed in a potential loss situation.



High School Diploma



6 months cash handling experience



·         Good Communication skills.

·         Good Computer Skills.

·         Good Cash Handling Skills

·         Ability to lift up to 25lbs.

·         Ability to Sit/Stand for long periods.


DUTIES to include but not limited to:

·         Greet clients in a friendly, professional, courteous manner.

·         Receive deposits; verify cash and endorsements, issue receipts.

·         Accept checks for cashing, verifying funds and endorsements, taking and recording proper identification as necessary.

·         Possess a knowledge and understanding of all Bank products and services.

·         Issue Cashiers Checks per client request. 

·         Client Services Representatives are expected to seek and recognize opportunities for sales and cross sales and refer a minimum number of bank products and services on a quarterly basis for the calendar year as set by management.                        

·        Attend and successfully complete all assigned mandatory compliance and training courses assigned by the Bank.

·         Demonstrate exemplary internal and external customer service at all times.

·         Meet Sales Goals established through Bank-wide and Banking Office specific Campaigns.

·         Other duties as assigned by supervisor.


EQUIPMENT USED (if applicable):

General Office equipment

Cash Counting Equipment




Credit Administrator

Title:                Credit Administrator

Supervisor:      Chief Credit Officer

Department:    Loan Administration – 81

Status:             Exempt


·         Under general direction of the Chief Credit Officer, document track and coordinate the collection of classified assets. Includes responsibilities for incoming/outgoing collections and installment collection.

·         Monitor delinquent credits for the bank and determine when a loan should be transferred for collection.

o   Contact delinquent credit customers and make decisions for the best course of collection. This includes initiating foreclosure of collateral.

o   Prepare delinquent and demand correspondence(s) to the customer in the collection process.  

o   Take possession and/or facilitate possession and liquidation of all forms of collateral.

o   Develop and monitor the OREO procedures and checklists. Monitor OREO properties to insure; insurance is in place, monitor sales process and make recommendations to facilitate the liquidation of the property. Verify the property is secured and maintained during bank ownership.

o   Monitor and track collections and bankruptcies through a tracking matrix

·         Responsible for updating the monthly Watch and CLAP reports

·         FASB 114 and FASB 5 quarterly analysis and reporting

·         Review Credit Authorizations (CA’s) for Call Code check back and covenant requests. Covenants listed on the CA’s are reviewed for compliance with Bank policy and appropriateness to credit size and risk.

o   Create and populate Exception to Policy report at each quarter-end

·         Appraisal Responsibilities. To review and document appraisals and to maintain an updated Approved Appraiser list May also include ordering appraisals.

·         Approve and document  subordination requests

·         Develop and monitor assigned procedures such as A/R and loan monitoring on a monthly basis which includes freezing lines and override dollar amounts

·         Develop and maintain a quarterly large loan report.

·         Develops and analyzes credit information. Furnishes information relative to credit inquiries and provides assistance to the Chief Credit Officer. Prepares cash flow analyses, summaries, presents facts and may offer opinions concerning credit worthiness.

·         Ensures documentation adheres to bank policies and laws and regulations applicable to the extension of credit and collections. 


BA Business Administration



8 years bank lending experience



  • Knowledge of banking collection practices and documentation procedure.
  • Knowledge of bankruptcy law and how it relates to loan collection and bank collateral.
  • Knowledge of SBA lending practices and collections.
  • Collects, organizes, and analyzes data for a variety of loan products.
  • Analyzes financial statements, financial ratios and reviews tax analysis.
  • Reviews all documentation for completeness and accuracy prior to documents being signed and finalized.
  • Has direct contact with clients to resolve routine issues.
  • Develops and maintains relationships with other bank departments, such as the Note Department, to obtain and share information and resolve client issues.
  • Assists Chief Credit Officer in loan write-up requirements, and performs written analysis independently.
  • Performs other duties as assigned.


EQUIPMENT USED (if applicable):

General Office Equipment





Human Resources Generalist


Title:                Human Resources Generalist

Supervisor:      Risk and HR Manager

Department:    Executive Administration

Status:             Exempt



The Human Resources Generalist manages the day-to-day operations of the Human Resource. The HR Generalist manages the administration of the human resources policies, procedures and programs. The HR Generalist carries out responsibilities in the following functional areas: departmental development, Human Resource Information Systems (HRIS), employee relations, training and development, benefits, compensation, and employment.

The Human Resources generalist is responsible for all or part of these areas:

  • recruiting and staffing logistics;
  • organizational and space planning;
  • performance management and improvement systems;
  • employment and compliance to regulatory concerns and reporting;
  • employee orientation, development, and training;
  • employee relations;
  • company employee communication;
  • compensation and benefits administration;
  • employee safety, welfare, wellness and health; and
  • employee counseling

The Human Resources Generalist originates and leads Human Resources practices and objectives that will provide an employee-oriented, high performance culture that emphasizes empowerment, quality, productivity and standards, goal attainment, and the recruitment and ongoing development of a superior workforce.

The Human Resources Generalist coordinates implementation of services, policies, and programs, and assists and advises company managers about Human Resources issues.



·         Bachelors

·         At least 2 yrs Human Resource coursework & experience.



Background in Human Resources preferably in the Banking Industry.



Performance Management, Training Management, Maintaining Employee Files, People Skills, Resolving Conflict, Employment Law, Project Management, Office Experience - General, Reporting Skills, Verbal Communication, Administrative Writing Skills, Computer skills: word processing, spreadsheets, etc.

DUTIES TO INCLUDE but not limited to:

·         Create and maintain employee files, past and present.

·           Maintain HR related policies and procedures.

·           Provides employees with information regarding benefits, forms, records and practices.

·           Conducts new hire orientations.

·           Performs background checks & investigations.

·           Maintains Job Descriptions and Hiring Procedures.

·           Perform yearly salary/benefit surveys.

·           Pre-screens Resumes per department instructions.

·           Process payroll on a bimonthly basis.

·           Responsible for accuracy of incentive program payouts.

·         Implements human resources programs by providing human resources services, including talent acquisition, staffing, employment processing, compensation, health and welfare benefits, training and development, records management, safety and health, employee relations and retention, compliance, and labor relations; completing personnel transactions.

·         Develops human resources solutions by collecting and analyzing information; recommending courses of action.

·         Improves manager and employee performance by identifying and clarifying problems; evaluating potential solutions; implementing selected solution; coaching and counseling managers and employees.

·         Prepares reports by collecting, analyzing, and summarizing data and trends.

·         Protects organization's value by keeping information confidential.

·         Complies with federal, state, and local legal requirements by studying existing and new legislation; anticipating legislation; enforcing adherence to requirements; advising management on needed actions.

·         Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.

·         Enhances department and organization reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.


EQUIPMENT USED (if applicable):

General Office Equipment