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This is an account collections position for the Bank. This position reports to the Director of Lending. The incumbent will comply with the Bank Secrecy Act (BSA), the Office of Foreign Assets Control (OFAC), the USA PATRIOT ACT (CIP), Customer Due Diligence (CDD), including reporting suspicious activities to the BSA Department as well as other banking and company regulations and rules.

Responsibilities, Duties & Accountabilities

• Participates in the collection process to ensure proper research, contact of delinquent customers and effective and efficient use of resources; make phone calls, outside calls and meets with customers to resolve problems and assist in bringing loans current. This will require discretion and independent judgement when working with customers to bring loans current. This includes past due Commercial Loans as well as Mortgage and Installment loans past due >15 days. In addition, responsible for repossessing collateral, as necessary;
• Oversees ongoing communications by the department for overdrawn deposit account customers; Responsible for contacting overdrawn deposit account customers and maintaining those accounts;
• Reviews the delinquent loan status for the bank; ensures timely and updated reporting for leadership;
• Assists with activities related to repossessions or foreclosures of delinquent accounts determined to be non-resolvable, ensuring that all proper documentation is accounted for and all data are properly entered; providing routine reports and updates to leadership and the delinquency committee;
• Performs duties related to repossessed collateral and foreclosed properties for proper management i.e.: regular inspections, as well as tax and insurance payments;
• Prepares reports pertaining to loan delinquency for the Board of Directors;
• Participates in the development of collection policies and procedures for foreclosure, credit for payment of delinquent accounts, and other default procedures; Applies appropriate use of external resources and routinely utilizes cost-saving methods;
• Collaborates with team members to support successful collections practices and processes;
• Contributes to the Loan Department, attending established meetings, working with others to accomplish bank goals by monitoring self-performance and following approved action plans;
• As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities and represent the bank at external events;
• Other duties as assigned.

Required Qualifications

• Bachelors’ Degree in Business Administration, Management, Finance or related field. College courses combined with relevant banking management experience will be considered.
• Preferred experience working in banking and collections; Demonstrated understanding of Bank Card system and delinquency.
• Demonstrated proficient computer skills, preferably working with Microsoft Office products, office systems and programs, and the ability to successfully navigate and maintain current knowledge and skills working with technology.
• Excellent organizational skills and attention to detail, with the ability to manage multiple priorities and meeting deadlines in a fast-paced environment.
• Demonstrated adaptability and willingness to learn: In an ever-changing and evolving world of banking in our community, this position requires an eagerness to adapt to those changes and the initiative to learn outside of daily parameters.
• The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.
• Attention to Detail: Ability to achieve thoroughness and accuracy when accomplishing a task.
• Demonstrated ability to Problem Solve: The incumbent must be able to use a variety of resources and strategies to find resolutions to challenges.
• Demonstrated ability to maintain confidentiality and use discretion in working with private, sensitive and other highly confidential information.
• Demonstrated experience to tactfully and professionally address concerns and complaints, and ability to adjust quickly to different work situations, while maintaining composure under pressure.
• Demonstrated ability to work independently and within a team-setting, maintaining professional and effective work relationships with management and team mates
• Maintains regular and routine attendance and punctuality

Community Bank supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individual s on the basis of race, gender, color, religion, national origin, age, sexual orientation, disability, veteran status or other classification protected by law.

Career Details

The Director of Bank Operations, reports to the President of the Bank. The Director, will promote innovation both internally and externally as well as lead, manage and develop teams across a variety of bank operation functions. This role will be instrumental in building and growing innovation experiences as well as driving operational efficiency through technology-based solutions and implementing structure to ensure high delivery of service. The Director will collaborate as a member of the leadership team on bank-wide strategic planning initiatives and corporate direction. The incumbent will maintain operational, technical and work across all departments to keep current with changing regulations. This position will comply with the Bank Secrecy Act, OFAC and USA PATRIOT Act including Customer Identification Program, customer due diligence, identifying high risk accounts, and reporting suspicious activities to the BSA Department.

Responsibilities

• Work as a team with top-level management to devise and implement innovation strategies and policies to meet company goals;
• Facilitate improvements to the customer experience and process efficiencies;
• Facilitate improvements of existing or implementation of new products and services; Support departments in the execution of new product and service initiatives;
• Participate in initial and ongoing vendor engagement to ensure the success of product and service offerings;
• Coordinate inter-departmental operational and technology-related activities;
• Manage the Bank’s Information Technology and Data Processing teams. This includes oversight of all Digital platforms;
• Develop deposit and digital products and services designed to increase deposit growth and market penetration. Manage products to ensure quality, profitability and competitiveness;
• Oversee BSA and Deposit Compliance;
• Oversee overall project plans, determine the necessary steps for its completion, and delegate tasks to the appropriate staff to assure the project is finished accurately, on time and within budget;
• Develop facilities management plan and oversee improvements to existing facilities, as well as development of any new facilities;
• Manage and develop team members including providing guidance, setting goals, track goals, and provide ongoing feed-back and coaching; Oversee staff members to include work performance, training, time-keeping, policy compliance, etc.;
• Security – Responsible for the protection of bank employees, customers, assets and property through the development and administration of a Bank Security program. Responsible for training of bank employees concerning security measures;
• Disaster Recovery – Responsible for maintaining and developing a disaster recovery plan for the bank;
• Responsible for vendor management;
• Develop and ensure key operational metrics and performance targets are met;
• Serve on Compliance, Risk Assessment and IT Steering Committee and attend regularly scheduled meetings;
• Professionally address and answer customers and assist them with resolving their questions;
• As part of the overall team of bank employees, this position may be requested to assist in the support of other bank activities and projects;
• Participates in community organization and events to enhance the image and reputation of the Bank in the communities we serve or plan to serve.

Qualifications

• Bachelor’s Degree in Business, Management Information Systems or related field
• Demonstrated supervisory experience in banking or credit union operations and technology (5 years+). The job experience must demonstrate an understanding of bank operations, performance management, project management, process improvement and new product development.
• Demonstrated proficient computer skills, working with Microsoft Office products, office systems and programs, and the ability to successfully navigate and maintain current knowledge and skills working with technology.
• Demonstrated ability to maintain confidentiality and use discretion in working with proprietary and other highly confidential information
• Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs and establish an effective working relationship with customers to gain their respect and loyalty.
• The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.
• Project a positive image of the bank to all internal and external customers.
• Ability to effectively manage ones’ time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
• Expected to maintain a commitment to continuing education in the banking field as well as emerging technologies.
• Demonstrated excellent attention to detail, with the above-average ability to detect errors and to makes adjustments accordingly
• Demonstrated ability to adjust quickly to different work situations, while maintaining composure under pressure
• Demonstrated ability to work independently and within a team-setting, maintaining professional and effective work relationships with leadership and co-workers
• Ability to maintain regular and routine attendance and punctuality

Community Bank supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the
basis of race, gender, color, religion, national origin, age, sexual orientation, disability, veteran status or other classification protected by law.