Careers

Position Description The primary purpose of the position is to evaluate the financial condition of businesses and individuals applying for credit with 1st State Bank, by providing an independent credit review and risk assessment on such loan requests. This position will work closely with the loan and lending staff to prepare presentations that include documentation risk, collateral risk, and repayment of loans.

Position Summary This position will establish a basic understanding of loan policy, with little to no experience previous, while continuing to develop in the Credit Analyst role. As Credit Analyst I, this position will assist in testing covenants, do regular analysis of smaller loan relationships, working on projects/matters of limited complexity in a support role, create relevant databases and reports, as needed by loan officers and committees as requested.

Duties/Responsibilities

• Analyze information and prepare loan analysis reports as assigned
• Prepare new applications or renewal/extension of requested loans
• Complete evaluation of collateral materials
• Assist Business Lenders in the management of customer relationship through credit file tracking, financial statement monitoring, credit reviews and analysis of financial performance
• Utilize financial spreading software to analyze borrower information
• Utilize tools from outside sources when conducting credit and industry analysis
• Perform work following department work processes and ethics standards
• Prepare minutes for loan committee meetings
• Perform due diligence on existing files as needed
• Support Loan Documentation Department as needed
• Performs other duties as assigned.
• Follows all 1st State Bank policies, procedures, compliance, and security practices.

Required Skills/Abilities

• Good organizational and problem-solving skills
• Good written and verbal communication skills
• Ability to adapt to changing deadlines and workload
• Incorporate Bank Values within work environment
• Moderate knowledge of Microsoft Word and Excel
• Moderate knowledge of Bank software
• Basic understanding of loan policy and reporting needs

Qualifications

• Bachelor’s Degree in Business, Finance, Accounting, Statistics, Economics, or comparable

Position Description    The primary purpose of the positions within the Personal Banker Job Family is to contribute to the overall success of 1st State Bank by delivering exceptional customer service. These positions are the face of 1st State Bank and will ensure the care of our customers is the top priority in each interaction. Personal Bankers grow to be knowledgeable and have a deep understanding of both business and personal accounts and services, in order to provide real advice and solutions, tailored to the customer’s individual needs.

Position Summary       This position will establish a basic knowledge and understanding of both business and personal accounts and services, with little to no experience previous, while continuing to develop in the Personal Banker role. As Personal Banker I, this position will possess strong customer service skills. Process transactions in Teller Capture. Count and balance a cash drawer. Work closely with customers to resolve issues and deepen relationships.

Duties/Responsibilities

• Complete customer transactions accurately
• Maintains and balances a cash drawer
• Assists with, and simplifies problem resolution
• Assists with branch operational activities and responsibilities
• Actively works to retain and deepen existing customer relationships by understanding their real needs and providing real solutions
• Contact customers in various ways, including telephone, email, and in-person visits, for follow-up and for pursuing new opportunities
• Completes scheduled training and reviews updates to stay current with policies, procedures, compliance and industry changes
• Understand electronic banking options and assist customers with online banking, bill pay, and mobile banking
• Identifies and refers business opportunities to business lenders, cash management, mortgage lenders, and public funds
• Supports a friendly and inviting atmosphere at the branch for fellow employees and customers
• Facilitate the cleaning needs of the branch location, providing a safe and sanitary environment for employees and customers. Tasks will include, but not limited to the basic cleaning of vacuuming, mopping, dusting, disinfecting, bathrooms, etc.
• Performs other duties as assigned.
• Follow 1^st State Bank policies, procedures, compliance, and security practices consistently

Required Skills/Abilities

• Strong customer service orientation
• Excellent written and oral communication skills
• Strong attention to detail
• Must be a team player, willing to help out where ever there is a need
• Demonstrated analytical and problem-solving skills
• Ability to think creatively about business challenges and demonstrate initiative
• Ability to maintain confidentiality
• Time management skills, able to prioritize tasks and multi-task successfully
• Proficient with Microsoft Excel, Word and Power Point.

Qualifications

• Bachelor’s Degree (preferred)
• High School or GED (required)