Careers

Loan Quality Control Representative ~ Full-time with Benefits ~ Mansfield Operations Building


JOB RESPONSIBILITIES:

• Performs post closing review of final loan documentation for all loan types, verifying the loan file is complete and all loan documents have been accurately prepared and executed, in accordance with bank policy, investor guidelines, state and federal regulations. Supervisors may direct the representative to focus on a particular loan type (commercial, consumer, or residential). Prepares and sends loan file for imaging.

• Maintain accurate records of missing new loan files and loan documentation exceptions and provide such information to management and appropriate lending staff. Request corrected loan documents, where appropriate, from involved lending staff. Record missing and trailing documentation in the incomplete loan log, and provide information to the file maintenance personnel for follow-up.

• Review system input for newly closed loans to ensure accuracy by comparing information on the system to the documentation in the loan file; verification includes new loan CIF, CRA and HMDA information, codes, rates, terms, etc. Documents system inaccuracies and reviews with post closer for correction.

• Perform a variety of administrative support duties, to ensure the quality of the bank's loan files, such as reviewing commercial loan documents prior to closing, reviewing declined and withdrawn loans, verifying correct reason for declination and proper notification of credit bureau, interacting with lending personnel to request information and answer/ask questions. Perform other duties in support of job functions in an accurate, timely and courteous manner.

• Constructively interact with coworkers.

JOB SKILLS AND QUALIFICATIONS REQUIRED:

• One-plus years of job-related experience.

• Ability to determine appropriate figures to be used by performing accurate calculations.

• Ability to plan and coordinate workflows to accomplish work in a timely manner.

• Ability to effectively interact with loan officers, loan underwriters, processors, insurance agents, attorneys, and pre- and post-closers to provide information on missing and inaccurate loan documentation and answer questions.

• Ability to use general office equipment such as a calculator, typewriter and copier.

• Ability to use a personal computer.

• Ability to use job-related software programs such as Microsoft Word, Excel, Access, and the Uniform Program.

• Understanding of compliance issues, secondary market and job-related policies and procedures a plus.

• Good organizational and follow-up skills.

• High school diploma or equivalent educational experience. (preferred)

• Ability to type a net 30 words per minute. (preferred)

• Knowledge of mortgage loan documentation requirements for government agencies and conventional secondary market outlines. (preferred)

• Knowledge of commercial and consumer loan documentation requirements. (preferred)


HOURS:

• Hours will average approximately 38-40 per week. (Monday-Friday)


POSITION AVAILABLE: Immediately


Applicants may apply at any branch office or mail/email resume to First Citizens Community Bank, Human Resource Department, 15 South Main Street, Mansfield, PA 16933, employment@firstcitizensbank.com. EEO/AA/Vet/Disability Employer.


Mortgage Loan Pre-Closer ~ Full-time with Benefits ~ Mansfield Operations Building


JOB RESPONSIBILITIES:

• Obtain all information necessary for loan closing and prepare all residential mortgage loan closing documentation required by the bank and/or the secondary mortgage market investor for which the loan was underwritten. Review commitment letter to ensure that all closing conditions have been satisfied and that the attorney closing instructions are accurate. Ensure disclosures and closing documentation comply with all applicable bank and investor guidelines, as well as state and federal regulations. Proficiently enter closing information into the applicable software program to provide for an accurate loan closing, supporting the customer's experience.

• Distribute and communicate closing information and documentation to appropriate individuals including branch personnel and closing attorneys to ensure the settlement of loans on a timely basis.

• Obtain paid loan files and process the paid loan file for long term storage by sorting through the file for necessary documentation to retain, documentation to return to the customer and documentation that can be destroyed. Prepare mortgage satisfactions, UCC satisfactions and any other processes necessary to release collateral on paid loans.

• Prepare necessary documentation for loan modifications and renewals ensuring compliance with established policies, procedures and regulations in an accurate and timely manner.

• Functionally support loan officers and staff by facilitating the exchange of information necessary to complete loan transactions, maintaining communication with loan processors, underwriters, loan officers, and assisting others by providing training or assisting in the performance of job duties.

• As back-up to Commercial Loan Pre-Closer obtain all information necessary for loan closing and prepare all commercial loan closing documentation ensuring compliance with the bank guidelines and procedures, as well as state and federal regulations. Proficiently enter closing information into the applicable software program to provide for an accurate loan closing, supporting the customer's experience.

• Perform a variety of administrative support duties, such as interacting with personnel from attorney and insurance offices to obtain, verify, and exchange information, and performing other duties in support of job functions in an accurate, timely and courteous manner.

• Constructively interact with coworkers.

JOB SKILLS AND QUALIFICATIONS REQUIRED:

• One-plus years of job-related experience.

• Ability to determine appropriate figures to be used by performing accurate calculations.

• Ability to plan and coordinate workflows to accomplish work in a timely manner.

• Ability to effectively interact with loan officers, underwriters, loan processors, and closing attorneys.

• Ability to use general office equipment such as a calculator, typewriter, and copier.

• Ability to use a personal computer.

• Ability to use job-related software programs such as Microsoft Word and Excel

• Understanding of compliance issues, secondary market and job-related policies and procedures.

• High school diploma or equivalent educational experience. (preferred)

• Knowledge of mortgage loan documentation requirements for government agencies and conventional secondary market outlines. (preferred)

• Knowledge of commercial loan documentation requirements. (preferred)


HOURS:

• Hours will average approximately 38-40 per week. (Monday-Friday)


POSITION AVAILABLE: Immediately


Applicants may apply at any branch office or mail/email resume to First Citizens Community Bank, Human Resource Department, 15 South Main Street, Mansfield, PA 16933, employment@firstcitizensbank.com. EEO/AA/Vet/Disability Employer.


Customer Service Counselor II ~ Full-time with Benefits ~ Walmart/Mansfield Offices


JOB RESPONSIBILITIES:

• Initiate, evaluate, process and administer a portfolio of consumer, commercial and mortgage loans that meet or exceed the Bank's credit quality, profitability, loan growth and service objectives and provide customers with an ability to protect loan payments at minimum costs via credit life and A/H sales in order to contribute to the Bank's consumer lending profit objectives without compromising quality and to minimize customer and Bank loan loss.

• Engage in business development efforts by profiling potential customers, enhancing the image of the Bank in the community, performing Chamber of Commerce or other community service work, contacting companies, requesting loan referrals, assisting new and existing customers by analyzing and determining their banking needs then sell Bank products and services that satisfies their needs in order to maximize goals in community relations, new business development, income and growth objectives and service the needs of customers.

• Sell and process a variety of retirement, DDA, savings, CD and other deposit accounts by opening and maintaining accounts, and other Customer Service Representative duties, providing required reports, ensuring proper documentation with IRA/SEP requirements and keeping abreast of applicable tax laws and changing requirements and other office and administrative duties in order to provide customers with deposit account services and contribute to profit and growth objectives.

• Monitor loan performance, assist collectors with delinquent accounts, works to solve payment problems with customers on a personal basis as measured by past due percentage and loan loss in order to minimize delinquency and loss for the Bank.

• Adhere to loan, operational, documentation and other policies, programs and procedures that result in audit, loan review and bank examinations with an acceptable level of exceptions and/or findings in order to reduce exposure to risk and loss to the Bank.

• Develop and maintain a personal program for maintaining an adequate level of knowledge in lending, business development, and other banking matters in accordance with established banking constraints. Demonstrates personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

JOB SKILLS AND QUALIFICATIONS REQUIRED:

• Three-plus years of position-related experience.

• Knowledge and understanding of Bank policies and procedures regarding consumer lending, deposit, retirement and other services.

• Ability to use a personal computer.

• Ability to use word processing and other position-related software programs.

• Experience in community and civic activities.

• Knowledge of position-related banking laws and regulations.

• Associate's degree in business or banking, or equivalent educational experience (preferred).

• Position related AIB courses and/or diplomas (preferred).

• Experience selling bank products (preferred).

• Notary (preferred).


HOURS:

• Hours will average approximately 38-40 per week. Hours will vary and schedule will include working days, evenings, weekends, and most holidays.


POSITION AVAILABLE: Immediately


Applicants may apply at any branch office or mail/email resume to First Citizens Community Bank, Human Resource Department, 15 South Main Street, Mansfield, PA 16933, employment@firstcitizensbank.com. EEO/AA/Vet/Disability Employer.


Mortgage Originator ~ Mill Hall Office


JOB RESPONSIBILITIES:

• Utilizes relationship management skills and techniques combined with personal business development efforts to build and service a network of high quality referral sources in order to achieve new mortgage business, income and growth goals and service the needs of customers.

• Initiate, evaluate, process and administer a loan portfolio of residential mortgages that meet or exceed the Bank's credit quality, profitability, loan growth and service objectives and provide customers with an ability to protect loan payments at minimum costs via credit life and A/H sales in order to contribute to the Bank's lending profit objectives without compromising quality and to minimize customer and Bank loan loss.

• Support a sales culture in the bank by making quality deposit, commercial and investment/trust referrals and actively participating in sales meetings, provides mortgage lending support and assistance to branches while ensuring that superior customer service is evidenced by a noticeably positive customer experience at every point of contact in order to promote an active sales and customer service team that achieves growth and income objectives.

• Support operational activities by keeping informed about operational functions and assisting in mortgage product development, support and training in order to achieve profit and growth objectives and ensure effective and efficient operational programs.

• Develop and maintain a personal program for maintaining an adequate level of knowledge in banking matters, competitive factors, and management techniques; also demonstrates personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.

HOURS:

• Hours will average approximately 40 per week and may include working Saturdays as needed.


JOB SKILLS AND QUALIFICATIONS REQUIRED:

• Three-plus years of position-related experience.

• Up to three years of mortgage and secondary market lending experience.

• General understanding of marketing, investment and lending principles and of bank-related laws and regulations.

• Knowledge of the features and benefits of bank products and services.

• Working knowledge of bank operating policies and procedures.

• Basic accounting skills.

• Advanced personal computer skills including word processing, excel, spreadsheet, data entry, internet, and data retrieval.

• Ability to use position-related software programs.


POSITION AVAILABLE: Immediately


Applicants may apply at any branch office or mail/email resume to First Citizens Community Bank, Human Resource Department, 15 South Main Street, Mansfield, PA 16933, employment@firstcitizensbank.com. EEO/AA/Vet/Disability Employer.


Financial Consultant ~ South Central Region (Isabel Drive Office)


JOB RESPONSIBILITIES:

• Provides investment information based on understanding of customer needs and objectives and selects from alternative products available through LPL Financial Services to complete the sale. Assures that high quality and integrity are primary considerations in representing the bank and in serving our clients.

• Participates with division management, associates, and other bank departments in planning and implementation of programs designed to market and sell non-deposit products and to equip other bank personnel to understand and refer them as appropriate. Acts as an "in-house resource" to other licensed bank personnel to help them select appropriate investment products and to assist them in matching products with client needs and objectives.

• Ensures compliance with broker / dealer rules and regulations and stays familiar with compliance rules of LPL, FINRA, SEC, OCC, and other regulators in order to pass all compliance audits and avoid arbitration or other loss.

• Oversees a variety of administrative processes including the paperwork needed to establish and adequately monitor investment accounts, as well as the filing and retrieval of materials needed to make informed decisions and fulfill audit requirements.

• Attends various meetings, works with wholesalers and LPL reps, and reads financial services publications to stay abreast of current events and developments in the industry.

JOB SKILLS AND QUALIFICATIONS REQUIRED:

• Series 7 and 6/63 certified.

• Licensed in life insurance.

• Series 66 certification desired.

• Five or more years of experience in investments and insurance sales.

• Knowledge of investment and insurance products and services.

• Knowledge of applicable regulatory requirements.

• Demonstrated success in providing customer service.

• Active in community and civic activities.

• Ability to use personal computer and associated office software.

• Ability to use Internet resources.

• Bachelor's degree in finance, business, banking, or equivalent educational experience (preferred).

• Certification in Financial Planning (preferred).

• Life, accident, and health insurance licenses (preferred).

• Ability to use computer office tools such as MS/Word and Excel (preferred).


POSITION AVAILABLE: Immediately


Applicants may apply at any branch office or mail/email resume to First Citizens Community Bank, Human Resource Department, 15 South Main Street, Mansfield, PA 16933, employment@firstcitizensbank.com. EEO/AA/Vet/Disability Employer.


Trust Officer ~ South Central Region (Isabel Drive Office)


JOB RESPONSIBILITIES:

• Manages a variety of accounts including investment management accounts, custodial accounts, personal trusts, IRAs, and estates according to the governing instrument and in compliance with all regulations, policies, and procedures.

• Adds new customers and adds assets to the Trust Department by managing a network of attorneys, accountants, and other key sources of referrals and by providing product knowledge training to bank employees.

• Collects customer financial information and discusses financial goals in order to identify and recommend appropriate investment products and services.

• Ensures compliance with applicable laws, rules, regulations, policies, and procedures to pass audits and minimize compliance and reputation risk, as well as potential financial loss. Works with auditors, examiners, and bank personnel to identify and resolve compliance issues in order to obtain satisfactory audit grades and reports.

• Schedules regular meetings to update customer information and review account performance. Monitors asset allocation and investment holdings of assigned accounts to ensure continued suitability with account objectives.

• Contributes to the accomplishment of bank objectives by identifying referral opportunities for estate planning and administration, loans, deposits, and commercial needs.

• Performs trust accounting functions by reviewing data on the accounting system, confirming accurate account set-up, determining proper coding for accounts and specific holdings, monitoring transactions, providing customers with tax information, and assisting with general operations and support functions.

• Performs administrative and support functions. Promotes operational efficiency by completing all required paperwork and account entries with accuracy and within established deadlines.

• Participates with Division employees and other functional areas to plan and implement programs to build awareness and increase net income for the Division.

• Provides the highest quality of service to every customer.

JOB SKILLS AND QUALIFICATIONS REQUIRED:

• Bachelor's degree (B.A.) from a four-year college or university, and five-plus years of position-related experience and/or training; or an equivalent combination of education and experience.

• General knowledge of trust policies and procedures, as well as applicable laws and regulations.

• Ability to use personal computer with Internet skills. Familiarity with trust accounting systems, Microsoft Office, and other job-related computer programs.

• Investment management experience including general knowledge concerning stocks, bonds, mutual funds, exchange-traded funds, and modern portfolio theory.

• Interpersonal skills necessary to communicate with a broad range of customers.

• Demonstrated success in providing exceptional customer service.

• Ability to maintain complete confidentiality of information regarding bank customers.

• Ability to use general office equipment such as scanner, typewriter, calculator, fax machine, copier, and telephone.

• Certified Trust & Financial Advisor (CTFA) Designation, completion of the Central Atlantic School of Trust, or equivalent educational certification (preferred)

• Certified Financial Planning (CFP) designation and experience with financial planning programs (preferred).

• Series 7, 6/65 licenses (preferred).

• Life insurance licenses (preferred).

• Demonstrated success in new business development (preferred).


POSITION AVAILABLE: Immediately


Applicants may apply at any branch office or mail/email resume to First Citizens Community Bank, Human Resource Department, 15 South Main Street, Mansfield, PA 16933, employment@firstcitizensbank.com. EEO/AA/Vet/Disability Employer.

EEO/AA/Vet/Disability Employer