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Department: Mortgage Loan Operations

Reports To: Loan Operations Manager

Supervises: None

Job Description:

The Residential Mortgage Servicing Specialist assists borrowers in restructuring mortgage obligations.

Primary Job Functions may include:

Complete or assist in completing various Investor Reporting, including but not limited to, FNMA delinquency reporting, reconciliation reports, loss mitigation reporting, payoff reporting, as well as daily and periodic reporting.
Monitor FNMA rejects; determine cause of rejected items and process corrections timely. Research operational or data issues and submit for correction via SURF. Research and present reject solutions to Management on ad hoc basis.
Identify borrower(s) in need of assistance; provide loss mitigation options on FNMA loans per the Workout Hierarchy; provide loss mitigation options for portfolio loans following loan policy and procedures.
Generate FNMA and portfolio loss mitigation packages for mailing; collect, review and process incoming support documentation; submit and/or delegate cases; generate modifications and/or documents/notices and perform system maintenance as appropriate and within separation of duties framework.
Prepare FNMA modifications/principal curtailments and portfolio renewals/extensions; forward signed modifications/renewals to Loan Operations for maintenance.
Monitor ML Participation Exception and ML Pre-paid Unapplied Reports; process payments or adjustments, calculate and adjust accrued interest; research exceptions and make corrections as needed.
Manage FNMA Quality Assurance System; submit loans, track status of files selected for QA review; respond to or rebut findings as needed.
Perform a variety of duties on a back-up basis, including but not limited to, settlement account general ledger balancing and escrow activities.
Assist customers with routine inquiries regarding loan details or forward calls to the proper person within Loan Operations.
Stay abreast of changes in provisions/guidelines, changes within the line of business, bank policies, industry and current economic environments of mortgage banking.

Minimum Qualifications:

High School diploma or equivalent with a preference of a 2-year college degree or equivalent.
1+ years of residential mortgage loss mitigation or related industry experience in processing conforming and non-conforming loan products, including analyzing and verifying data preferred.
Strong problem solving, verbal and written communication skills with a high degree of attention to detail; ability to clearly explain and document rationale for decisions.
Must be able to work independently in a production-oriented environment; be adaptable and flexible.
Interpersonal skills to build and maintain professional, supportive relationships with customers and team members.
Ability to handle confidential information in a professional, highly ethical manner.
Intermediate PC and keyboarding skills, including experience with Windows operating systems, Horizon, AUS investor systems, Encompass and similar computer programs.

Employees are expected to perform other duties as assigned and directed by management and adhere to all company and compliance policies and procedures, including the Bank Secrecy Act. Job description and duties may be modified when deemed appropriate by management.

Riske Management Specialist - Fraud Prevention

Department: Risk Management
Reports To: Senior Risk Manager
Supervises: None

Job Description: This role is responsible for analyzing alerts to detect irregular or suspicious transactions and prevent losses associated with fraud and financial crimes, taking appropriate action to protect the bank and its customers. This role is responsible for investigating cases of fraud and assisting BSA/AML with case management to ensure reporting of all fraudulent investigations. This role will interact frequently with employees, customers, law enforcement, and authorities.

Primary Job Functions may include:

Analyze alerts and account activity for unusual or suspected fraudulent activity that derive from the bank’s surveillance monitoring systems and internal/external sources.
Evaluate the circumstances, recommend appropriate risk-based actions for any cases of potential fraud, including taking action to prevent the transaction in question, if possible, and protect the customer and bank from continued fraudulent activity.
Conduct account investigations and research, including interviewing customers and collaborating with personnel from other departments, as appropriate.
Refer fraud cases to, and work with, law enforcement authorities as needed.
Document all findings in a centralized case management system to ensure complete documentation is maintained, as required.
Coordinate with BSA/AML to file Suspicious Activity Reports (SARs) and FinCEN 314(b) information sharing requests as needed.
Maintain knowledge of the bank’s products, services, customers and geographic locations, and the potential fraud risks associated with those activities.
Provide management with information on fraud trends occurring at the Bank, locally, and nationally, including tracking of losses and recoveries.
Provide training, resource materials, updates to employees, and assist with customer education.
Provide guidance to customer victims on the appropriate course of action and provide fraud prevention counseling as needed.
Maintain and execute the ID Theft Prevention Program.

Minimum Qualifications:

Passion for protecting customers and fighting financial fraud.
Minimum of a Bachelor’s degree in Finance, Business, Accounting, Criminal Justice or related field.
Minimum of 5 years of experience preferred in financial services, fraud prevention, investigation, risk management, or accounting.
Certifications (preferred): CFE, CAMS, CAFP, other relevant certifications.
Excellent written and verbal communications skills; Proven success in problem analysis and resolution; Strong attention to detail; Strong organization skills; Ability to manage multiple detailed work assignments with a high degree of accuracy.
Ability to handle confidential material, in a professional, highly ethical manner.
Proficiency with Microsoft Office products (Word, Excel, PowerPoint, etc.)
Willing to travel overnight for training and professional development.

Employees are expected to perform other duties as assigned and directed by management and to adhere to all company and compliance policies and procedures, including the Bank Secrecy Act. Job description and duties may be modified when deemed appropriate by management.

Computer Support Specialist

Department: Information Technology
Reports To: Chief Technology Officer
Supervises: None

Job Description: Provide technical assistance to computer systems users. Answer questions or resolve computer problems for employees in person, via telephone or from remote location. Provide assistance concerning the use of computer hardware and software, including printing, software installation, word processing, electronic mail and operating systems. Responsible for software and hardware support activities and assisting in the on-going lifecycle of the Company’s information systems.

Primary Job Functions may include:

Active participant in IT department tech support. Ensures that reported problems are handled promptly and prioritized in order to resolve any customer impact issues first.
Active participant in the testing and documentation of LifeStore’s Business Continuity Plan.
Responsible for maintaining inventory of all Company software, hardware, and licenses.
Primary person responsible for provisioning and re-provisioning computer systems to include but not limited to: OS installation, any needed software programs, proper virus scanning software, proper documentation and adherence to computer policies.
Active role preparing for audits and regulatory exams to include but not limited to: information gathering, reports, documentation, and ongoing adherence to policies.
Assists in determining and evaluating the Company’s current and future technology, communications, and information needs.
Assists with purchases of equipment, software systems, and computer supplies to support the Company’s business activities within approved budgets and fixed assets purchasing policy.
Analyzes and controls costs associated with the Company’s technology, communications, and information systems.
Interfaces with outside vendors in the event of a system failure.
Provides training to all new employees of proper use of computer and password control. Provides ongoing IT training as necessary.
Trains users to work with new computer hardware of software, such as printers, word-processing software and email.
Assists the Chief Technology Officer as needed. Performs other duties as assigned and directed by management staff.

Minimum Qualifications:

Bachelor’s degree in Business Information Systems/Computer Science (one to two years of PC-based related experience desired).
Must be highly customer oriented and willing to demonstrate a strong commitment to customer service in solving problems for users with limited computer knowledge.
Any Microsoft, CompTIA or Cisco certifications a plus.
Experience in PC Maintenance and repair.
Should have information security knowledge or experience.
Knowledge of backup & Virus Software solutions.
Ability to work flexible work schedules.
Strong interpersonal skills and the ability to work independently as well as in a team environment.
Strong attention to details.
Must have willingness to document actions.
Excellent problem-solving skills.

Employees are expected to perform other duties as assigned and directed by management and to adhere to all company and compliance policies and procedures, including the Bank Secrecy Act. Job description and duties may be modified when deemed appropriate by management.

Cybersecurity Network Engineer

Department: Information Technology
Reports To: Chief Technology Officer
Supervises: None

Job Description: This role will be responsible for all networking equipment that exists between computers and servers. Included but not limited to: switches, routers, firewalls, WiFi access points.

Primary Job Functions may include:

Specifying and procuring network equipment such that it meets current needs and planned growth. Achieve this through baseline monitoring and ongoing monitoring.
Monitoring and alerting of all network equipment for faults, incidents, and capacity management.
Responsible for ensuring all software is up to date with specific attention to security patches and end of life.
Responsible for vulnerability remediation as identified through vulnerability scanning and audits.
Responsible for initial configuration, moves/adds/changes, documenting procedures.
Business Continuity Plan/Disaster Recovery- responsible for ensuring all possible failure scenarios are accounted for and procedures necessary for recovery are documented.
Required to be aware of industry trends and attend training to be aware of strategic possibilities to enhance security or capabilities.
Documentation – responsible for creating and maintaining all network diagrams and data flow diagrams.
Knowledge transfer – responsible for communicating overall network architecture to IT department for cross-training and education.

Minimum Qualifications

CCNP or equivalent experience

o Cisco route/switch
o Vlans
o Access Control
o Radius
o Strong knowledge of QoS and VoiP
o Trunking
o Fiber optics
o Routing protocols – EIGRP, BGP
▪ Implementation, recovery, troubleshooting
o WAN connecfivity

PCNSE or equivalent experience

Cloud Networking knowledge a plus

o Azure
o AWS

Employees are expected to perform other duties as assigned and directed by management and to adhere to all company and compliance policies and procedures, including the Bank Secrecy Act. Job description and duties may be modified when deemed appropriate by management..

Courier/Facilities Director Assistant

Department: Deposit Operations
Reports To: Accounting Officer II
Supervises: None
Schedule: Part-time: 25-30 hours per week

Job Description: Performs routine delivery and pick up services for offices. Assists Facilities Director by performing routine maintenance and tasks in the branches, as well as special projects when needed.

Primary Job Functions may include:

Demonstrates exceptional customer service at all times.
Delivers mail and other company documents within offices.
Delivers and picks up supplies.
Posts mail and goes to the Post Office daily.
Performs routine maintenance and tasks in branches.
Maintains basement storage area.
Picks up trash and recyclables from kitchens and Shred-it boxes as needed/scheduled.
Assists Facilities Director with special projects as needed.
Assists Deposit Operations Department with other daily functions.

Minimum Qualifications

High School diploma or equivalent.
Successful completion of in-house training program.
Good organizational, oral and written communication skills.
Excellent attention to detail.
Valid driver’s license with good driving record and ability to drive in all weather conditions.
Must be able to lift heavy loads (up to 75 lbs.).
Ability to work with or without direct supervision.

Employees are expected to perform other duties as assigned and directed by management and to adhere to all company and compliance policies and procedures. Job description and duties may be modified when deemed appropriate by management.

Life/Health/Annuity Account Manager

Department: Insurance Benefits
Reports To: Senior Vice-President/Insurance Division
Supervises: None

Job Description:

The Life/Health/Annuity Account Manager is responsible for providing assistance to new and existing customers. In addition, the LHA Account Manager will maintain the basic insurance database and other administrative functions.

Primary Job Functions may include:

Entering and maintaining benefits database in BenefitPoint.
Providing efficient and courteous customer service, in-person and on the phone.
Processing new/renewal business, including reviewing for accuracy, and invoicing.
Reviewing assigned client files at expiration and addressing coverage gaps to protect our clients’ assets and retain our existing business.
Scanning and filing documents in a timely manner and keeping files up to date.
Assisting Producers with new business and renewals.
Answering general service questions from clients pertaining to health, life, or annuities
Assisting in entering commissions.
Filing claims for life and annuity clients.
Sending Call tree messages as needed.
Keeping current on requirements for NC insurance license continuing education.
Following and being familiar with Procedures Manual.
Backing up group benefits account manager when needed.

Minimum Qualifications

Life/Health and Medicare/LTC license required or willing to obtain.
College graduate preferred—High School diploma considered.
Strong verbal and written communication skills with attention to detail.
Interpersonal skills to build and maintain professional supportive relationships with customers and team members.
PC and keyboarding skills, including experience with Windows operating systems.
Hybrid work considered.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Financial Consultant I

Department: Retail Banking
Reports To: Financial Consultant II-Lead
Supervises: Day to day deposit activities with customers

Job Description:

Creates the optimum experience in all customer and consumer interactions. Consults with customers, recommending products and services to meet immediate needs and long term goals. Solicits new business and proactively provides or refers financial products and services. Actively participates and interacts with other team members.

Primary Job Functions may include:

Bears primary responsibility to model and create an exceptional customer experience.
Solicits and originates deposit products. Refers Loans, Insurance and Investments to appropriate team members. Focuses the resources of the company to build total customer relationships using banking, insurance, and investment services as well as complementary products offered by third party vendors. Manages all customer relationships to increase total wallet share.
Communicates and demonstrates excellence in customer service, going the extra mile to exceed customer expectations.
Consistently uses technology tools to support the customer relationship and record activities.
Is knowledgeable of and adheres to bank policies and procedures in all activities while observing all authoritative limits and regulatory responsibilities.
Is flexible in work scheduling as requested.
Completes documentation, correctly and efficiently.
Primarily responsible for helping customers process transactions.
Assists with other responsibilities as directed by the Retail Bank manager, Market President, and/or Chief Banking Officer.

Minimum Qualifications

High school diploma or equivalent.
Experience in the customer service industry.
Excellent oral and written communication skills.
Ability to develop knowledge in a wide range of financial products.
Good judgment, interpersonal and intuitive skills.
Must have business development skills and enjoy soliciting new business.
Exhibits proactive, engaging, and high energy traits.

Employees are expected to perform other duties as assigned and directed by management and to adhere to all company and compliance policies and procedures, including the Bank Secrecy Act. Job description and duties may be modified when deemed appropriate by management.

CL Marketing Specialist / Insurance Systems Assistant I

Department: Insurance
Reports To: Systems Manager
Supervises: None

Job Description:The CL Marketing Specialist/Insurance Systems Assistant I is responsible for marketing new business and renewal accounts for the agency. In addition, the CL Marketing Specialist/Insurance Systems Assistant I is responsible for various administrative functions, both of which require strict attention to detail.

Primary Job Functions may include:

Supports and assists account executives and account managers with marketing new business and renewal business
When necessary, prepares submissions and cover letters to companies and brokers ensuring accuracy, quality, and professional appearance for our offerings to the marketplace
Becomes familiar with and utilizes the “submission” feature of AMS and attaches all communications of marketing efforts to the client file of the management system
Travels to various branch locations to discuss marketing activities
Completes supplemental applications and supplies any additional information that may be required
Prepares proposals for account executives and account managers
Retrieves P&C commission statements from company websites
Processes incoming/outgoing mail
Adds, edits, and maintains form letters in AMS360
Keeps current on requirements for NC insurance license continuing education
Assists with maintenance of AMS360 data base (by using reports to find errors, such as incorrect department, personnel, or customer statuses)
Orders and tracks supplies for the Boone branch
Follows and is familiar with Procedures Manual
Adheres to all company and compliance policies and procedures

Minimum Qualifications

High School Diploma or Equivalent
Insurance license required
Detail-oriented and independent self-starter
5 years of insurance experience in an independent agency environment
Experience working in agency management systems
Excellent interpersonal, office, communication, and public relation skills
Excellent knowledge of windows and MS Office programs
Good math and verbal skills

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Personal Lines Service Specialist

Department: Personal Lines (PL) Insurance
Reports To: Personal Lines Manager
Supervises: None

Job Description: The PL Service Specialist is responsible for providing an exceptional service experience to prospects, new and existing clients, and personal lines account managers. The PL Service Specialist will maintain insurance database and increase our digital presence.

Primary Job Functions may include:

Generate new sales through existing contacts, referrals, and virtual office
Answer, assist, and direct virtual office inquiries in a courteous and efficient manner
Utilize Podium platform to increase Google reviews and online presence
Remarket Personal Lines accounts when requested by PL account manager
Assist PL account manager and clients digitally and by phone
Assist PL account manager and clients in person, when necessary, in the Newland, Boone, Lenoir, and Greystone locations
Process activities in our agency management system
Attach documents in a timely manner
Keep management system current by entering documentation as it occurs
Provide outstanding, excellent customer service in-person, digitally, and on the phone
Follow Procedures Manual
Keep current on requirements for NC insurance license continuing education

Minimum Qualifications

High School diploma or equivalent
Minimum of two years personal lines insurance experience required
Active NC P&C licenses required
Strong verbal and written communication skills with attention to detail
Preferred experience in Microsoft Office
Interpersonal skills to build and maintain professional supportive relationships with customers and team members

Employees are expected to perform other duties as assigned and directed by management and adhere to all company and compliance policies and procedures. Job description and duties may be modified when deemed appropriate by management.

Collections Manager

Department: Credit
Reports To: Chief Credit Officer
Supervises: None

Job Description: The Collections Manager position is primarily responsible for performing collection services on delinquent accounts for the financial institution.

Primary Job Functions may include:

Reviews the delinquent loan status for the financial institution, contacting those delinquent account holders through telephone calls, letters, and personal visits.
Orders liquidations, foreclosures, and repossessions when necessary.
Works with Attorneys, Bankruptcy Trustees, and the Bank’s legal counsel in preparing and tracking legal documentation in cases of bankruptcy.
Works with Attorneys, Bank Trustees, Bank’s legal counsel, and Government Agencies in perfecting the Bank’s interest in foreclosures and repossessions.
Contacts customers and arranges the collection of bank collateral on loans in default.
Tracks charged-off accounts and recoveries on charged-off accounts for loans and deposit accounts.
Prints, reviews and mails the late notices and billing statements on a daily basis from the system.
Assists in preparation of the monthly-classified asset report for review by CEO.
Prepares reports on the kind and status of delinquent accounts and collection activities undertaken by the Bank to be reviewed by management.
Ensures that the collateral information from Certificate of Titles is entered on the data system and the title is filed in the loan file when it is received.
Opens and lists the daily mail, then prepares the teller tickets for the tellers to process.

Minimum Qualifications

High school diploma or equivalent.
Successful completion of in-house training or other approved training program.
Good oral, written and human relations skills.
Good attention to detail, and ability to meet deadlines and deal tactfully with customers.
Two to five years of related experience preferred.
Solid understanding of financial institution policies and procedures

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Personal Lines Account Manager

Department: Personal Lines (PL) Insurance
Reports To: Office Manager
Supervises: None

Job Description: The PL Account Manager is responsible for providing assistance to new and existing customers. In addition, the PL Account Manager will maintain basic insurance database and other office administration functions.

Primary Job Functions may include:

Opening office and handling mail.
Providing efficient, courteous customer service, in-person, digitally and on the phone.
Processing new/renewal business, reviewing for accuracy, and invoicing when applicable.
Book of business growth and retention with goals determined at annual review.
Receiving, recording payments, forwarding to correct companies, balancing cash drawer and preparing bank deposit.
Processing all activities in our agency management database system- AMS360.
Reviewing assigned client files at expiration to address coverage gaps in order to protect our clients’ assets and retain our existing business.
Generating new sales through referrals, existing customers and making new contacts.
Electronically filing documents in a timely manner and keeping files in AMS630 up to date.
Assisting Account Executive with Personal Lines Prospects as needed.
Following and being familiar with Procedures Manual.
Keeping current on requirements for NC insurance license continuing education.

Minimum Qualifications

High school diploma or equivalent.
Minimum of two years personal lines insurance experience preferred.
Active NC P&C licenses preferred or must obtain within 90 days of employment.
Strong verbal and written communication skills with attention to detail.
Preferred experience in Microsoft Office.
Interpersonal skills to build and maintain professional supportive relationships with customers and team members.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Personal Lines Account Manager

Department: Personal Lines (PL) Insurance
Reports To: Office Manager
Supervises: None

Job Description: The PL Account Manager is responsible for providing assistance to new and existing customers. In addition, the PL Account Manager will maintain basic insurance database and other office administration functions.

Primary Job Functions may include:

Opening office and handling mail.
Providing efficient, courteous customer service, in-person, digitally and on the phone.
Processing new/renewal business, reviewing for accuracy, and invoicing when applicable.
Book of business growth and retention with goals determined at annual review.
Receiving, recording payments, forwarding to correct companies, balancing cash drawer and preparing bank deposit.
Processing all activities in our agency management database system- AMS360.
Reviewing assigned client files at expiration to address coverage gaps in order to protect our clients’ assets and retain our existing business.
Generating new sales through referrals, existing customers and making new contacts.
Electronically filing documents in a timely manner and keeping files in AMS630 up to date.
Assisting Account Executive with Personal Lines Prospects as needed.
Following and being familiar with Procedures Manual.
Keeping current on requirements for NC insurance license continuing education.

Minimum Qualifications

High school diploma or equivalent.
Minimum of two years personal lines insurance experience preferred.
Active NC P&C licenses required.
Strong verbal and written communication skills with attention to detail.
Preferred experience in Microsoft Office.
Interpersonal skills to build and maintain professional supportive relationships with customers and team members.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Commercial Lines Account Manager

Department: Commercial Lines (CL) Insurance
Reports To: Office Manager
Supervises: None

Job Description:

The CL Account Manager is responsible for providing assistance to new and existing commercial insurance customers. In addition, the Account Manager will maintain client information in AMS360 insurance database and perform other office administrative functions.

Primary Job Functions may include:

Opening and preparing office for daily work, including opening and distributing mail.
Providing efficient and courteous customer service, in-person and on the phone.
Processing new/renewal business, including reviewing for accuracy, collecting email addresses and invoicing.
Corresponding with company underwriters, negotiating insurance pricing and coverage based on personal knowledge or at Producer’s request.
Receiving and recording payments, then forwarding to correct companies; balancing cash drawer and preparing bank deposit.
Processing all activities, including new claims, claim updates, endorsements, renewals & cancellations in our agency management database system- AMS360.
Processing submissions for new and remarketed business and sending appropriately to designated companies.
Reviewing assigned client files at expiration and addresses coverage gaps in order to protect our clients’ assets and retain our existing business.
Reviewing renewal lists with and providing support to the Producers, including providing renewal information to the client as needed.
Requesting and sending loss runs to designated requesters.
Completing appropriate Certificates of Insurance and Evidence of Property as needed.
Scanning and attaching non-downloading policies, emails and audits.
Filing documents in timely manner and keeps computer files up to date.
Following and being familiar with Procedures Manual and attending company meetings.
Making referrals to other LifeStore divisions through CRM.
Keeping current on requirements for NC insurance license continuing education.

Minimum Qualifications

High School diploma or equivalent.
P & C license or willingness to obtain within 90 days.
Strong verbal and written communication skills with attention to detail.
Interpersonal skills to build and maintain professional supportive relationships with customers and team members.
PC and keyboarding skills, including experience with Windows operating systems.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Commercial Insurance Account Executive

Department: Commercial Lines
Reports To: President/Insurance Division
Supervises: None

Job Description:

The Commercial Lines Account Executive is responsible for sales of property & casualty insurance through new business growth and client retention, developing marketing opportunities, prospect lists, and account rounding, as well as providing and receiving referrals from other LifeStore Departments/Divisions.

Primary Job Functions may include:

Develop and maintain sales through prospects, referrals, cross-sales and account rounding, networking opportunities, referrals, current relationships, community involvement, and special interests.
Work with General Manager to develop and implement strategies to retain existing clients.
Generate new business/renewal applications for commercial programs in a timely manner to Account Managers/Marketing Department or direct to carriers as needed.
Negotiate insurance pricing and coverage based on fact-finding and information from client/prospect.
Present well prepared and professional proposals to prospects and clients.
Consistently advise clients of product knowledge and their needs.
Establish and maintain strong relationships with prospects, clients and underwriters.
Conduct risk management surveys and determine insurance coverage needs based on sound risk management principles.
Work closely with the Account Managers team to review existing client needs and new sales opportunities to achieve premium and retention targets.
Become familiar with and utilize the LifeStore procedures manual and agency management system.
Make referrals to other LifeStore divisions through Customer Relationships Management System (CRM).
Attend product and sales training or other meetings as directed for product knowledge.
Attend continuing education as required for insurance license requirements.

Minimum Qualifications

High school diploma or equivalent.
College degree preferred.
Two+ years insurance experience desired.
Active property & casualty license required.
Business use of personal auto, acceptable driving record, and adequate auto liability insurance.
Strong verbal and written communication/negotiation and sales skills.
interpersonal skills to build and maintain professional relationships with customers and team members.
required knowledge of Micro-Soft Office products. must have ability to navigate on various carrier websites and LifeStore agency management system.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Administrative Assistant

Department: Insurance
Reports To: Branch Manager
Supervises: None

Job Description: The Insurance Administrative Assistant is responsible for providing support and assistance to all employees within the office including Producers and Account Managers. The Administrative Assistant will also perform basic office administration functions including but not limited to telephone support, greeting customers in the office and maintaining the office in a professional and presentable manner.

Primary Job Functions may include:

Opening and preparing office for daily work, including opening and distributing mail.
Providing efficient and courteous customer service, in-person and on the phone.
Providing telephone support by transferring to correct personnel, making staff aware of incoming calls and taking informative messages if personnel unavailable.
Balancing cash drawer and preparing bank deposit.
Becoming familiar with and proficient in agency management system.
Using and being familiar with Company websites and obtaining commission statements as necessary.
Scanning and filing documents in a timely manner and keeping files up to date.
Assisting Account Managers and Producers as needed with new business, policy changes and renewal policies, including ACA enrollment processing.
Preparing spreadsheets for personal and commercial lines-premium comparison charts with footnotes.
Referring clients to other LifeStore financial services using our referral system.
Following and being familiar with Procedures Manual.
Scheduling quarterly LifeLines meetings and preparing PowerPoint presentations.
Submitting advertising invoices to carriers offering co-op reimbursement.

Minimum Qualifications

High school diploma or equivalent.
Experience in an insurance office environment preferred.
Strong verbal and written communication skills with attention to detail.
Good interpersonal skills and public relations skills.
Advanced knowledge of computer office programs.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Administrative Assistant

Department: Insurance
Reports To: Branch Manager
Supervises: None

Job Description: The Insurance Administrative Assistant is responsible for providing support and assistance to all employees within the office including Producers and Account Managers. The Administrative Assistant will also perform basic office administration functions including but not limited to telephone support, greeting customers in the office and maintaining the office in a professional and presentable manner.

Primary Job Functions may include:

Opening and preparing office for daily work, including opening and distributing mail.
Providing efficient and courteous customer service, in-person and on the phone.
Providing telephone support by transferring to correct personnel, making staff aware of incoming calls and taking informative messages if personnel unavailable.
Balancing cash drawer and preparing bank deposit.
Becoming familiar with and proficient in agency management system.
Using and being familiar with Company websites and obtaining commission statements as necessary.
Scanning and filing documents in a timely manner and keeping files up to date.
Assisting Account Managers and Producers as needed with new business, policy changes and renewal policies, including ACA enrollment processing.
Preparing spreadsheets for personal and commercial lines-premium comparison charts with footnotes.
Referring clients to other LifeStore financial services using our referral system.
Following and being familiar with Procedures Manual.
Scheduling quarterly LifeLines meetings and preparing PowerPoint presentations.
Submitting advertising invoices to carriers offering co-op reimbursement.

Minimum Qualifications

High school diploma or equivalent.
Experience in an insurance office environment preferred.
Strong verbal and written communication skills with attention to detail.
Good interpersonal skills and public relations skills.
Advanced knowledge of computer office programs.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Credit Analyst

Department: Credit / Loan Operations
Reports To: Senior Credit Analyst
Supervises: None

Job Description: The Credit Analyst is primarily responsible for assisting in the evaluation of the financial condition of individuals and businesses applying for and/or maintaining a credit relationship with the financial institution and for communicating findings to the Senior Credit Analyst, Loan Officers, CCO and CEO as necessary.

Primary Job Functions may include:

Analyzes or assists with the analysis of borrower financial data on new, renewal and existing loans. Analysis includes, but is not limited to, data provided by credit bureaus, tax returns, financial statements, other financial information, and financial institution files.
Prepares spreadsheets, reports, summaries, and opinions on new, renewal and modification of existing loans and communicates findings to officers.
Monitors and analyzes receipt of required information from lead lenders for all participation loans.
Monitors receipt of all required financial information from major borrowers and notifies loan officers of missing information.
Performs annual reviews of financial statements required from vendors as part of the bank’s vendor management program.
Prepares or assists in preparation of annual financial analysis of large credit relationships.
Monitors receipt of annual reviews of relationships between $250,000 and $500,000 that have at least $100,000 in commercial loans. Reviews for potential grade changes.
Works in conjunction with Loan Operations on the tracking and clearing of loan policy exceptions.
Assists in coordination of data collection for any independent loan reviews conducted by examiners, auditors and/or consultants.
Ensures credit documentation is properly scanned to FCM.
Provides credit support to lenders as requested.
Assists Senior Credit Analyst as requested.

Minimum Qualifications

Bachelor’s degree in finance, banking, economics, or accounting.
Good financial analytical abilities.
Good communication skills
Knowledge of Excel and Word software.
Ability to learn bank regulatory requirements, financial institution policies and procedures, prudent lending practices.

Employees are expected to perform other duties as assigned and directed by management and adhere to all company and compliance policies and procedures. Job description and duties may be modified when deemed appropriate by management.

Residential Mortgage Loan Processor I

Department: MOrtgage Operations
Reports To: SVP Loan Operations Manager
Supervises: N/A

Job Description: The Residential Mortgage Loan Processor I position is responsible for the review and processing of consumer credit requests for residential mortgage loan products originated for Bank and Investor product lines. In addition, the processor will be responsible for insuring compliance of the loan files to the Bank’s policies, procedures, investor guidelines, related laws and regulations. .

Primary Job Functions may include:

Reviewing file submissions for accuracy and completeness of applications, property and credit documentation.
Verifying all required documents are obtained for the files in accordance with internal and external loan programs.
Ordering all required verifications and following up with internal and external contacts as needed. Includes researching and problem solving to ensure compliance with internal and external loan programs and policies.
Evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value), financial documents, and other supporting documentation.
Applying strong analytical skills, including the review and understanding of tax return documents.
Reviewing supporting documentation for truthfulness and accuracy, including the application of fraud detection and prevention techniques.
Understanding the use of an automated underwriting system, risk-based assessment tools, and/or traditional processing techniques.
Contacting customers and team members to gather information to make appropriate processing decisions and/or to sell/promote line products.
Staying abreast of any changes in underwriting provisions/guidelines, changes within the line of business, bank policies, industry and current economic environments.
Providing support and assistance as required for the loan origination staff, underwriters, closers, funders, and management staff members. Performs as an active team member on all accounts.

Minimum Qualifications

High School diploma or equivalent with a preference of a 2 year college degree or equivalent.
Knowledge of residential mortgage processing and/or related industry experience preferred.
Strong problem solving, verbal and written communication skills with a high degree of attention to detail.
Ability to handle confidential material in a professional, highly ethical manner.
Strong time management and organization skills to effectively prioritize multiple objectives and achieve volume goals.
Ability to clearly explain and document rationale for credit decisions.
Must be adaptable, flexible and able to work independently in a production oriented environment.
Interpersonal skills to build and maintain professional supportive relationships with customers and team members.
Intermediate PC and keyboarding skills, including experience with Windows operating systems, AUS investor systems, Encompass Broker/Banker and similar computer operations preferred.

Employees are expected to perform other duties as assigned and directed by management and adhere to all company and compliance policies and procedures. Job description and duties may be modified when deemed appropriate by management.

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