financial compensation 2020 - questionnaire · web viewworks to increase the bank’s share of...

2020 Questionnaire:Financial Services Compensation SurveyIncludes Bank, Mortgage, Mutual Funds & Investment positions

Participation Deadline: July 20, 2020Survey Forms Online at:https://www.employerscouncil.org/solution/compensation-strategy-and-hr-data/Survey-Questionnaires

UNDERSTANDING OF CONFIDENTIALITYThis survey questionnaire should be completed with the understanding that:

Organization identity and compensation or benefit information will remain confidential for non-governmental organizations and will not be released without advanced approval by the organization.

The contents and the resulting survey report will not be used in collective bargaining sessions or in grievance proceedings by either Employers Council or the organization.

The resulting survey will be used solely to assist in guiding the effective management of compensation or benefit programs.

Financial Services Compensation 2020

© Copyright, 2020 Employers Council permission in writing from the Employers Council, is prohibited.

CONTENTSGeneral Information QuestionnaireDirections and DefinitionsWe Need Your InputJob Code Page

General Management 6107.........................................Chief Executive16156..................Bank President/Bank Manager16009........................................Branch Manager16160........................Assistant Branch Manager16165.........................Regional Branch Manager16025................................Management Trainee16123....................................Marketing Director16167........................................Project Manager16130......................Human Resources Manager16129....................Human Resources Executive16166...........................Chief Lending Executive16115..................................................Controller16161...............................Chief Financial Officer1

Auditing6004................................Audit Clerk II (Senior)26102......................................................Auditor26142.............................Chief Auditing Manager26143...............................Compliance Specialist26148....................................Compliance Officer26083.................Fraud Investigations Specialist26168.................Operational Risk Administrator2

Card Services/Automatic Teller

6005..................................Card/ATM Specialist26103.............................Card Services Manager2

Finance/Accounting 6001.......................................Accounting Clerk26169......................................Accountant, Staff26101...................Accounting Manager, General2

Sales / Lending6074........................................Personal Banker26106.....................Business Development Rep.26110....................Commercial Lender I (Junior)26111...................Commercial Lender II (Inter.) 36112................Commercial Lender III (Senior) 36113.................Commercial Lending Manager 3


Job Code PageSales / Lending (continued)

6118.......................Consumer Lender I (Entry) 36119...........Consumer Lender II (Intermediate)36120...................Consumer Lender III (Senior) 36121.....................Consumer Lending Manager36116........................................Lender I (Junior)36117......................................Lender II (Senior)36132........................Mortgage Loan Originator 36133......................................Lending Manager36170..................................Loan Review Officer3

Lending Support6070...................Loan Administrator/Secretary36017.............................Credit Analyst I (Junior)36018...........................Credit Analyst II (Senior)36024....................................Loan Service Clerk36059...............................Loan Closer – General36065..........................Loan Processor - General46072...........................................Loan Assistant4

6151.............................Loan Operation Officer 4

Loan Servicing6014.......................................Collections Clerk46016.........................................Collector, Entry46171.............................Collector, Intermediate46152........................................Collector, Senior46108.....................................Collector Manager46172............................Loan Workout Specialist46010.............................Foreclosure Technician46015.............................Foreclosure Supervisor4

Operations6071...............................................Bookkeeper46105...........................Bookkeeping Supervisor46066....................Cash Management Specialist46012........................................Cash Vault Clerk46075.............................InStore Express Banker46077...............InStore Express Bank Asst. Mgr.46159.................InStore Express Bank Manager5

CONTENTSJob Code Page

Operations (continued)6081........Member/Customer Svcs Rep. (Entry)56080.........Member/Customer Svcs Rep. (Inter)56082............Member/Customer Svcs Rep. (Sr.)56069...........Call Center Customer Service Rep.5

* 6088..................Digital Solutions Rep. I (Entry)5

* 6089.............................Digital Solutions Rep. II56060.........................................Items Processor56028..................New Accounts Representative56124............................New Accounts Manager56164....................................Operations Trainer56155..............................Operations Clerk, Lead5


6125...................Operations Manager I (Junior)56126...................Operations Manager II (Inter.)56127................Operations Manager III (Senior)56003......................Bank Secrecy Act Specialist66128.......................Chief Operations Executive66030........................................Proof Operator 66002..............................Records Clerk/Scanner66040..........................................Teller I (Junior)66041........................................Teller II (Senior)66157........................................Teller, Part-time66158.......................................Teller, Peak-time66042...............................................Teller, Head66135......................................Teller Supervisor 66134.........................................Teller Manager 66046............................Support Representative66067...................................Wire Transfer Clerk6

Job Code PageClient Services

6006.....................Client Accounts Bookkeeper66007.........................................Tax Accountant66008.............................................Tax Manager66044................Trust Administrative Asst. I (Jr.)66045.............Trust Administrative Asst. II (Sr.) 66136................................Trust Officer I (Junior)76137...................Trust Officer II (Intermediate)76138.............................Trust Officer III (Senior)76139.........Trust Invest. Portfolio Administrator76141........................Trust Operations Manager76140.................................Trust Executive, Top7

Investments6173.......Professional Customer Service Rep. II76174......Professional Customer Service Rep. III76175.Professional Customer Service Rep. Lead76021.........Investment Implementation Analyst76027.......................................Financial Analyst76023...................................Financial Counselor76084.......................................Fund Accountant76085...........................Fund Accountant, Senior76086.....................Fund Accounting Supervisor76087........................Fund Accounting Manager7

There were no jobs deleted from this year’s survey.


* Denotes a new position** Denotes a change in job title/description

GENERAL INFORMATION QUESTIONNAIRE1.00

Full Organization Name:

Name of Person Completing Questionnaire:

Street Address and Zip Code (if different than on cover):

Phone Number: FAX Number: E-mail:

2.00 Total Current Employment Size:Number of Full-Time Employees Number of Part-Time Employees Total Number of Employees

3.00 Type of Institute (if multiple lines, report primary business line):1.0 Bank/Credit Union 2.0 Mortgage 3.0 Mutual Fund4.0 Investment

4.00 If applicable, what is your organization’s asset size (as of June 1, 2020)? $

5.00 If applicable, what is your organization’s loan servicing portfolio (as of June 1, 2020)? $

6.00 What was the total percentage increase received during 2019 and projected to receive or received in 2020 and 2021 for each of the following categories?

PAY PAY STRUCTUREInclude merit, general, longevity, Pay Range Adjustment

cost-of-living, etc. for the average employeeCategory 2019 2020 2021 2019 2020 2021Non-exempt % % % % % %Officer % % % % % %Non-Officer % % % % % %ManagementComments or explanation:

7.00 If you operate on Saturdays, do you pay a premium?0.10 Not open on Saturdays 1.0 Part of 40 hour workweek 2.0 Additional hours on Saturday paid at 1.5 X regular rate 3.0 Additional hours on Saturday paid at 2 X regular rate4.0 Other (specify)

8.00 Do your part-time Teller benefits differ from other part-time employees?0.5 No part-time tellers 1.0 Yes 2.0 No

9.00 If you match Collector Manager (job code 6108), do your incumbents supervise Collectors?1.0 Yes 2.0 No

DIRECTIONS AND DEFINITIONSPlease familiarize yourself with all instructions before filling out the questionnaire.

No organization’s structure or job descriptions will match exactly the jobs outlined in this survey. It is critical that participating organizations match their jobs as closely as possible. Our objective is to provide survey results that accurately reflect competitive pay levels for jobs involving work of a similar nature and performed at a similar skill level.

Use Data Closest To, But Not Later ThanJune 1, 2020. If rates will change within next 30 days, please report new rates.

Submitting your data online in a spreadsheet is preferred.If you have electronic spreadsheets, please feel free to email these to us in lieu of completing the rate sheet manually. Be sure to include on the spreadsheet the survey job code you are matching.

Report for the following locations and indicate general location for each employee Denver/Boulder – Adams, Arapahoe,

Boulder, Broomfield, Denver, Douglas, Gilpin and Jefferson counties

Northern Colorado – Larimer, Logan, Morgan and Weld counties

Southern Colorado – Alamosa, Conejos, Costilla, Custer, El Paso, Elbert, Fremont, Huerfano, Las Animas, Mineral, Otero, Pueblo, Rio Grande, Saguache and Teller counties

Colo. Western Slope – Archuleta, Delta, Dolores, Hinsdale, La Plata, Mesa, Moffat, Montezuma, Montrose, Ouray, San Juan, San Miguel, Rio Blanco and Western Garfield counties

Colo. Resort Area – Chaffee, Clear Creek, Eagle, Eastern Garfield, Grand, Gunnison, Jackson, Lake, Park, Pitkin, Routt and Summit counties

Wyoming – All Wyoming Photocopy/Save Questionnaire(s)

Please photocopy or save an electronic copy of your completed questionnaire(s) for your records.

Review Job DescriptionsDo not merely match job titles. It is the content of the job that determines a good match.

Note Jobs With Several Levels – Please read all descriptions before determining a match.

Report Only Employees Who Spend 70% Or More of Their Time In The Described FunctionDo Not Report The Same Employee In More Than One Job

Do Not Try To Force Match Every EmployeeIt is not necessary that you report all your employees, nor is it necessary that you report for every job in the survey.

Report Only FULL-TIME Regular Employees(Employees working at least 35 hours per week or are fully equivalent)

Job Title and CodePlease provide your organization’s job title and our job code in the space provided by each job. This helps us in working with job matches and assists you in completing future surveys.

Annual Bonus / Incentive PayReport the annual bonus and/or incentive pay given the last fiscal/calendar year.

Actual Rates Report the number of employees receiving each actual rate. Do not report averages.

Definition of a Supervisor:Must have the responsibility of hiring, firing, granting pay increases and doing performance appraisals or effectively recommending such actions.First Line Supervisor – Directs work of non-exempt and/or non-supervisory exempt employees.Second Line Supervisor – Directs the work of first line supervisors.

Established Rate RangeFormally established limits of pay for a given job. Exclude step progressions (wage increases granted at fixed intervals based


solely on length of service). Not all organizations have rate ranges.Minimum - The lowest rate that can be paid to an entry-level employee who is qualified to perform the minimum requirements of the job.Maximum - The highest rate an employee can obtain in the job.

Note: Please do not report the lowest actual rate of pay and the highest actual rate of pay for the rate range. We are surveying formally established ranges only.

DIRECTIONS AND DEFINITIONS

Data Reporting InclusionsInclude: additional compensation granted in equal

amounts to all employees in a job (e.g., cost-of-living accumulations)

established range even if the position is vacant

Data Reporting ExclusionsExclude:

overtime premiums; lead differentials, and shift premiums

temporary and seasonal employees rates for unique situations, such as

demotion or accommodation, where an incumbent is paid more/less than you would normally pay for that position.

part-time employees (working less than 35 hours per week)

Any questions about a job match or filling out this questionnaire should be directed to the Employers Council Surveys Department at 303.839.5177 or 800.884.1328.

Please return by Monday, July 20, 2020.

You have 3 OPTIONS wh OPTIONS when submitting your survey data.11 Rate Sheet – Enter your data in the Excel rate sheet included in the online questionnaire. Be sure to

save a copy of the rate sheet for your files.22 Survey forms online – Go to https://www.employerscouncil.org/solution/compensation-strategy-and-

hr-data/survey-questionnairess select Financial Services and follow the directions to download the forms to your computer.

33 Spreadsheet – If you currently have your salary data in a spreadsheet file, we can accept your data electronically without any additional work on your part. Just be sure the file includes the Employers Council’s job code and how the data is reported (annually, hourly, etc.).

Once completed – Email your compensation data to us in a spreadsheet. As with the above options, be sure the file includes the Employers Council’s job code and how the data is reported. Email your

data to: [email protected].


Any questions about a job match or filling out this questionnaire should be directed to the

Employers Council Surveys Department at 303.839.5177.

Please return by Monday, July 20, 2020.

mailto:[email protected]

https://www.employerscouncil.org/solution/compensation-strategy-and-hr-data/survey-questionnairess

https://www.employerscouncil.org/solution/compensation-strategy-and-hr-data/survey-questionnairess

WE NEED YOUR INPUT

A task force meeting is held biennially for each of our surveys. We need volunteers to revise current job descriptions, establish new ones, or recommend changes for our survey. If you can help, please complete the following information. We will contact you when a meeting is scheduled.

Name

Title

Organization

Telephone Number FAX Number

Check One: Employers Council Member Non-Member

To keep our compensation surveys up-to-date, we ask for your input. Please list any positions and/or changes you would like to see in future surveys. Remember, in order for a position to publish, we must have at least three participants reporting data.


JOB DESCRIPTIONS

GENERAL MANAGEMENT

6107 CHIEF EXECUTIVE Responsible for the overall management of the banks/ company. This is the most senior level position. 6156 BANK PRESIDENT/BANK MANAGERResponsible for overall management of the bank. Oversees the operations of the bank, including commercial and consumer lending. Represents the bank and provides leadership in key community activities to maintain a proper citizen stature for the bank.6009 BRANCH MANAGERAdministers the operations of a branch office. Represents the bank and provides leadership in key community activities to maintain a proper citizen stature for the bank.6160 ASSISTANT BRANCH MANAGERManages day to day operations of branch and maintains outside customer relationships. May also be called Branch Operations Manager or Branch Supervisor.6165 REGIONAL BRANCH MANAGERResponsible for the administration and coordination of the activities of a large group or region of branch banks. Provides advice and guidance to branch banking managers. Reviews and recommends objectives, policies, and procedures for a specific group or region of branches engaged in lending.6025 MANAGEMENT TRAINEE Generally, a recent college graduate with limited or no previous work experience. The Trainee should not be in training for a specific job. Should be in a general training program which allows Management to assess the management potential of the Trainee.6123 MARKETING DIRECTOR Directs the development and execution of bank marketing policies and programs. Determines market opportunities and requirements for existing services, new services and new fields of endeavor. May also plan and prepare advertising material. 6167 PROJECT MANAGERAssists in institutionalizing the operational processes and procedures in preparation for taking on additional custody relationships. Works closely with outside vendors to ensure accuracy and data integrity of converted custody relationships. Analyzes service trends and satisfaction levels. Solicits feedback from customers to determine ways to improve processes and procedures. Reviews and documents all back office operations. Develops and implements new processes and/or procedures. Typically requires

bachelors degree in Finance and 1 year experience working with trust accounting systems and back office operations.

2020 Financial Services Compensation Page 1

6130 HUMAN RESOURCES MANAGER Directs the Human Resources program for the bank. May have responsibility for some policy development, however, total personnel policy is developed through consultation with either top management in the bank or through a corporate personnel function.6129 HUMAN RESOURCES EXECUTIVEDevelops, maintains and administers personnel management programs encompassing all aspects of personnel relations. Responsible for policy formation for staffing, compensation/benefits, staff development and succession planning. Incumbent must spend 100% of time in personnel responsibilities and must set personnel policies. This is the highest level human resources position.6166 CHIEF LENDING EXECUTIVEDirects loan operations of the financial institution. Plans, develops, and establishes policies and objectives of lending function. Directs and coordinates activities to implement institution's policies, procedures, and practices concerning granting or extending lines of credit, commercial loans, real estate loans, and consumer credit loans.6115 CONTROLLERResponsible for the bank’s financial records and reports and an accounting system that provides financial controls and financial data relative to earnings, costs, budgets and trends. May also be responsible for bank investments.6161 CHIEF FINANCIAL OFFICERThis is the highest level financial position in an organization. Reports to the Chief Executive Officer. Directs a large staff of supervisory, professional and support personnel engaged in receipt, disbursement, safekeeping and expenditures of money, capital assets or securities. Manages the entire range of financial activities of the organization including treasury, budget, tax and accounting functions. Establishes major economic objectives and policies. Maintains effective relationships with lending institutions, shareholders and the financial community. Prepares budgets, financial forecasts and cost analysis in the areas of income, expenses and earnings. Serves as part of the top management strategic planning team. May be responsible for functions such as information technology/systems, human resources, real estate, or legal. Responsible for the bank’s financial records and reports and an accounting system that provides financial controls and financial data relative to earnings, costs, budgets and trends. May also be responsible for bank investments.

Page 2 2020 Financial Services Compensation

AUDITING

6004 AUDIT CLERK II (SENIOR)Performs assignments and duties under the direction of the Bank Auditor to assist in the execution of the auditing program. Conducts and engages in auditing of accounting procedures for the bank and associated branches. At prescribed intervals, examines original entries and supporting documents. Prepares working papers and reports for periodic audits and assists in performing these audits. Personnel assigned to this classification will audit a broad phase of the bank’s operation and perform assignments with a minimum of supervision.6102 AUDITORConducts independent audit projects to review effectiveness of controls, records, and operations. Analyzes data obtained and prepares reports and recommendations. This is a fully trained journey level position.6142 CHIEF AUDITING MANAGERPlans, directs and maintains internal bank audit program. Evaluates controls established to safeguard the assets and control liabilities. Recommends changes to eliminate weaknesses in procedures from the standpoint of control. Keeps abreast of latest trends in auditing field.6143 COMPLIANCE SPECIALISTUnder general supervision, responsible for the coordination and completion of all government, regulatory, and compliance documents for all business units in an organization. Familiar with standard concepts, practices, and procedures within a particular field. Requires a bachelor's degree in a related area and 2-4 years of experience in the field or in a related area.6148 COMPLIANCE OFFICERFormulates and maintains a compliance program consistent with all applicable laws. Trains bank personnel, implements changes, develops and maintains manuals, monitors environment. Sets up and monitors internal controls with auditor when possible, and acts as an information source.6083 FRAUD INVESTIGATIONS SPECIALISTResponsible for the investigation of fraudulent, illegal, or improper activities by employees and/or customers of the organization, and the prevention and recovery of losses caused by such activities. Conducts or coordinates investigations of fraudulent, illegal, or improper activities that could cause losses to or claims against the organization.6168 OPERATIONAL RISK ADMINISTRATORWith senior management, participates in the development of operational risk management policies and procedures. Directs/maintains the development of Risk and Control Self-Assessment program and reporting. Facilitates discovery and the analysis/trending of data elements feeding key risk indicators and predictors to develop business

intelligence. Assists in the data mining for analysis of significant risk exposures. Typically requires a bachelors degree and 5-7 years professional level experience processing technical knowledge and/or a range of processes and systems.


CARD SERVICES/AUTOMATIC TELLER

6005 CARD/ATM SPECIALISTProcesses and services merchant accounts for Master Charge, VISA and/or ATM by handling bankcard supply requests, complaints, general record keeping and work flow of the credit card system. May prepare deposits and monthly statistical reports for certain high volume merchants.6103 CARD SERVICES MANAGERDirects and coordinates the functions of the bank card department including collections and fraud control areas. Manages revolving credit portfolio to maximize profitability.

FINANCE/ACCOUNTING

6001 ACCOUNTING CLERKUnder minimal supervision, prepares a variety of complex reports. Requires a thorough knowledge of bank accounting procedures. Must know procedures and regulations pertaining to all reports and must have a knowledge of the accounting system used.6169 ACCOUNTANT, STAFFUnder limited supervision, analyzes financial information detailing assets, liabilities, and capital, and prepares balance sheet, profit and loss statement, and other reports to summarize current and/or projected company financial position(s). May establish, modify, document, and coordinate implementation of accounting and accounting control procedures. Typically uses standard spreadsheet and database software or an accounting applications package designed for general accounting. May direct and coordinate activities of other accountants and clerical workers performing accounting and bookkeeping tasks. Typically requires a bachelor’s degree in accounting and 2+ years of experience.6101 ACCOUNTING MANAGER, GENERALThis is a first-line supervisor. Develops and maintains reliable accounting information concerning income, expense, assets, liabilities and capital as a basis for management planning.

SALES/LENDING

6074 PERSONAL BANKERSells consumer banking products and services. Services account relationships. Cross-sells all services of the bank. Originates consumer loan product applications. Provides efficient and courteous customer service. 6106 BUSINESS DEVELOPMENT REPRESENTATIVESells financial products and services to assigned banking customers and prospects. Works to increase the bank’s share of market among targeted segments through prospect solicitation and acquisition.6110 COMMERCIAL LENDER I (JUNIOR)

Makes and services a variety of commercial loans; assists senior officers in handling larger and more complicated loans, and provides other customer services as may be required. Operates with limited credit authority. Usually handles more routine accounts.


SALES/LENDING (continued)6111 COMMERCIAL LENDER II (INTERMEDIATE) Makes and services a wide variety of commercial loans, both secured and unsecured, many of which involve large amounts of money and/or important customers.6112 COMMERCIAL LENDER III (SENIOR) Makes and services a wide variety of secured and unsecured commercial loans or lines of credit, most of which involve large amounts of money and important customers. Provides subordinate officers with functional guidance. Handles all but the most complex accounts and works with significant lending authority.6113 COMMERCIAL LENDING MANAGERResponsible for the commercial loan portfolio. Establishes departmental lending policies. Develops and maintains interest rate structure. Prepares lending activity reports for bank management. Authorizes or rejects credit requests which exceed the lending authority of the Commercial Lender handling the loan application. In larger banks (asset size: 100 million) this may be a multi-incumbent position reporting to a more senior commercial lending position. 6118 CONSUMER LENDER I (ENTRY) Responsible for smaller or more routine consumer loans and/or line of credit applications. Interviews loan applicants to determine credit needs. Collects and analyzes credit and financial data for loans. This is an entry level position. 6119 CONSUMER LENDER II (INTERMEDIATE) Responsible for a variety of more complex loan applications for consumer loans and/or line of credit applications. Interviews loan applicants to determine credit needs. Collects and analyzes credit for financial data for loans. This is a fully experienced Consumer Lender able to analyze more complex credits.6120 CONSUMER LENDER III (SENIOR) Responsible for the largest or most complex consumer credits. Interviews loan applicants to determine credit needs. Collects and analyzes credit and financial data for loans. May provide advice and guidance to less experienced Consumer Lenders in a lead capacity only. May act as an Assistant Consumer Lending Manager. 6121 CONSUMER LENDING MANAGER Manages activities related to the extension of consumer credit in accordance with established bank policies. Supervises Consumer Lenders. Report only incumbents that manage people. 6116 LENDER I (JUNIOR) Responsible for a variety of routine consumer, real estate, agriculture, construction or commercial loans. Interviews loan applicant to determine loan needs. Collects and analyzes credit and financial data. Has limited lending authority. This position is usually found in smaller banks without specialists in the lending area.6117 LENDER II (SENIOR)

Responsible for a variety of more complex loan applications for consumer, real estate, agriculture, construction or commercial loans. Interviews loan applicants to determine loan needs. Collects and analyzes credit and financial data to determine credit worthiness. This is a fully experienced Lender able to analyze more complex credits. This position is usually found in smaller banks without Specialists in the lending area.


6132 MORTGAGE LOAN ORIGINATOROriginates a wide variety of mortgage loans primarily for single family dwellings. EXCLUDE COMMISSIONED PERSONNEL6133 LENDING MANAGER Responsible for the effective operation of the residential real estate loan section. Reviews and approves loan applications for loans in excess of staff’s individual authorization. May solicit new loans and negotiate rates and terms. May be responsible for commercial and consumer loans.6170 LOAN REVIEW OFFICERReviews loans to ensure that acceptable credit standards are maintained and that all loans conform to established company policy. Exercises usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, and terminations. Develops new business and expands existing relationships. Manages loan review and may act as a loan review analyst in certain credit risk control areas.

LENDING SUPPORT

6070 LOAN ADMINISTRATOR / SECRETARYResponsible for many of the loan support functions including handling notes, collateral documents, loan document and loan file preparation, processing of payments, balancing, filing and processing paid loans. This is a generalist position.6017 CREDIT ANALYST I (JUNIOR) Analyzes financial statements of corporations, partnerships and individuals in order to prepare a complete credit analysis. Prepares reports from the financial statements for management personnel. Prepares and maintains credit files.6018 CREDIT ANALYST II (SENIOR) Analyzes financial statements for a variety of large corporations, partnerships and individuals in order to prepare a complete credit analysis. Prepares summary reports and recommendations from the financial statements for management personnel. This is not a supervisory position.6024 LOAN SERVICE CLERK Under supervision of the Loan Servicing Manager, carries out duties incidental to maintenance of records on loans. Incumbent may handle assumptions, loan payoffs, releases, transmatics, insurance, posting mail payments, escrows or other duties which come under the loan servicing department. Files or records all legal documents which may include bankruptcy documents. Follows up and balances loan debits and credits, processes and closes out paid loans. Files auto titles and security agreements with appropriate State Officer. Files certificates of insurance on auto loans. Answers telephone and talks with customers who come to the office on routine inquires regarding payoffs, change of owner, note modifications, beneficiaries, and other details of existing loans.6059 LOAN CLOSER - GENERAL

Assists Lending Officers in the preparation of and proper processing of loan documents to include closing of loans, disbursement of funds, and booking the loan.


LENDING SUPPORT (continued)6065 LOAN PROCESSOR - GENERALResponsible for the overall processing of loans, including general support for lenders, loan booking preparations and loan document preparations. Minimum 1 year experience in loan processing or new accounts.6072 LOAN ASSISTANTResponsible for the documentation, computer input and maintenance for loans prior to closing. Assists Lending Officers in the preparation of and proper processing of loan documents, to include closing of loans. Closes loans and disburses funds in accordance with applicable federal, local and state laws, bank policy, regulations, and commitment sheet application. 6151 LOAN OPERATION OFFICER Responsible for the administrative functions within the loan operations department which includes consumer, commercial and mortgage loans, and debit cards. Monitors reports, reviews, updates and implements new procedures to facilitate efficient operations of the department. This is a supervisory position.

LOAN SERVICING

6014 COLLECTIONS CLERK Prepares and maintains records on collection items and processes the items and funds involved. Receives and prepares collection items. Checks shipping documents, trade acceptances, negotiable securities, titles, etc. for accuracy and completeness for each collection. Prepares the collections to be sent to banks and customers. Prepares reports and answers phone inquiries pertaining to collection items.6016 COLLECTOR, ENTRYAt the beginning process of loan workout, contacts borrowers regarding payments. Interviews and contacts borrowers on payments not received on schedule. May process payments and calculate late charges. Collects both secured and non-secured loans. Typically requires less than 2 years experience.6171 COLLECTOR, INTERMEDIATEAt a more complex level of loan workout, contacts borrowers regarding payments. Interviews and contacts borrowers on payments not received on schedule. May process payments and calculate late charges. Collects both secured and non-secured loans. Typically requires 2-5 years experience.6152 COLLECTOR, SENIORIn addition to doing the duties of the Collector, deals with more difficult/delinquent loans, i.e., generally over 90 days. May represent the institution in outside collection. Typically requires more than 5 years experience.

LOAN SERVICING (continued)6108 COLLECTOR MANAGERManages the collection of all past due consumer accounts. Directs the maintenance of up-to-date records of all delinquencies. Insures effective action is taken to

collect outstanding amounts. Administers all required accounting and reporting work. May supervise collectors.


6172 LOAN WORKOUT SPECIALISTWorks with borrowers and/or authorized third-parties to effectively execute loss mitigation workouts. Reviews complex file properties maximizing recovery on behalf of the client within a predefined timeline for the borrower. Demonstrates ability to handle escalated issues, encouraging maximum benefit to the borrowers. Typically requires a minimum of 5 years experience in mortgage banking.6010 FORECLOSURE TECHNICIANUnder general supervision, performs a variety of duties related to foreclosure of delinquent loans. Files conveyances and claims to PMI and government agencies. Pays bills, orders inspections and maintains files. Follows up to ensure timely performance by attorney/government agencies.6015 FORECLOSURE SUPERVISORSupervises staff responsible for timely foreclosure process of FHA, VA, and Conventional loans. Works with attorneys, FHA, VA and PMI organizations to complete accurate and timely submission of claims and conveyances. Keeps record of money received by various agencies.

OPERATIONS

6071 BOOKKEEPERHandles reports on closed accounts, unposted items, posting or paying of special items or checks, account statement preparation, check filing, insufficient funds reports and notices, stop payments, writing entries to general ledger accounts, balancing, etc. Requires a good knowledge of bank and bookkeeping operations and works with little supervision. May also take outside calls from customers regarding these issues.6105 BOOKKEEPING SUPERVISOR Supervises activities of the bookkeeping department. May perform some bookkeeping duties. Responsible for establishment and coordination of work flow through the department or sections which comprise the department. Excludes Lead Bookkeeping Clerks.6066 CASH MANAGEMENT SPECIALISTResponsible for the servicing of existing commercial accounts. Analyzes prospective customer’s needs and develops credit and non-credit commercial customers. Designs and implements account configurations that best suit commercial customer cash management objectives.6012 CASH VAULT CLERKPurchases and sells currency and silver. Maintains cash supply level. Exchanges mutilated currency from Tellers and makes necessary deposits to Federal Reserve Bank. Prepares currency or coin orders for large businesses and correspondent banks. Counts, sorts and straps currency. May assist in departmental cash count.6075 INSTORE EXPRESS BANKERContributes to overall effectiveness of Instore/Express Service Center. Provides exceptional customer service through the generation of new business. Educates customers regarding nontraditional alternatives for accomplishing banking needs. Completes paying and

receiving transactions for those customers who prefer to utilize the more traditional methods of banking.6077 INSTORE EXPRESS BANK ASSIST. MGRAssists in the management of the daily operations of the branch, adhering to bank policies and procedures while providing an outstanding level of customer service. May perform management functions in the absence of the Branch Manager.


OPERATIONS (continued)6159 INSTORE EXPRESS BANK MANAGERManages the activities of all in-store personnel with a clear emphasis on expanding the deposit/credit base through a solid pro-active sales approach. Manages the daily operations of the branch, adheres to bank policies and procedures while providing an outstanding level of customer service. Supports and upholds bank and branch goals and regulations.6081 MEMBER/CUSTOMER SERVICES

REPRESENTATIVE (ENTRY)Performs entry level client maintenance. Opens and closes accounts, issues certificates of deposit, orders bank cards. Responds to member questions regarding account information, changes or any other requests. Typically requires less than 2 years experience.6080 MEMBER/CUSTOMER SERVICES

REPRESENTATIVE (INTERMEDIATE)Performs more complex levels of client maintenance. Opens and closes accounts, issues certificates of deposit, orders bank cards. Responds to member questions regarding account information, changes or any other requests. Typically requires 2-5 years experience.6082 MEMBER/CUSTOMER SERVICES

REPRESENTATIVE (SENIOR)Is the leading authority for client maintenance. Opens and closes accounts, issues certificates of deposit, orders bank cards. Responds to member questions regarding account information, changes or any other requests. Typically requires 5+ years experience.6069 CALL CENTER CUSTOMER SERVICE

REPRESENTATIVEProvides account and consumer banking services information to customers calling into the call center banking center. Cross-sells products and services to existing and new customers, coordinating the sales process by referring customers to correct sales area.

* New Position6088 DIGITAL SOLUTIONS REPRESENTATIVE I

(ENTRY)Provides online digital support to customers or members. Educates and trains retail staff to deliver service in digital products and services. Provides via phones, email and chat regarding digital products and services to customers or members, as well as internal employees and departments. Analyzes and resolves technical issues referred from branch network; to include contact via service events, hunt group and email group. Must have 2+ years experience in financial institution, sales or customer service. Must have high technical skills and familiarity with all types of platform systems.

* New Position6089 DIGITAL SOLUTIONS REPRESENTATIVE IIProvides online digital support to customers or members. Educates and trains retail staff to deliver service in digital products and services. Provides via phones, email and chat regarding digital products and services to customers or members, as well as internal employees and departments. Analyzes and resolves technical issues referred from branch network; to include contact via service events, hunt group and email group. Must have high technical skills and familiarity with all types of platform systems. May assist or train Digital Solutions Representative I’s. Handles more complex technical issues than Digital Solutions Representative I. Must have 3+ years experience in financial institution, sales or customer service. 6060 ITEMS PROCESSOR Prepares incoming cash letters for capture, captures items and balances capture. Pulls reject items. Fine sorts checks using sort functions in system. Prepares outgoing transit items and balances to proof. Excludes proof operator.6028 NEW ACCOUNTS REPRESENTATIVEPerforms a variety of duties related to opening, changing, and closing accounts. Sells all products including IRA accounts, certificates of deposit, lines of credit applications, etc. 6124 NEW ACCOUNTS MANAGER Responsible for the management of the New Accounts function. Supervises opening of new checking and savings accounts, issuance and redemption of Certificates of Deposit, customer service and promotion of Bank services. 6164 OPERATIONS TRAINER Develops and conducts training and educational programs for the operations staff. Typically requires 2-3 years experience in customer service and reports to the Training Manager.6155 OPERATIONS CLERK, LEADProvides guidance and direction to clerical positions. Includes training, monitoring workflow and scheduling work assignments. Also acts as a utility to all positions within a department. Acts as a coordinator for major projects.6125 OPERATIONS MANAGER I (JUNIOR)First-level management generally responsible for the operation of one of the following functions: customer service, new accounts, accounting, proof, transit, properties or protection. Typically reports to Operations Manager III (Senior). Generally supervises less than 15 non-exempt employees. (This is typically an exempt position. This is a general classification. If duties are more specific in nature, see Bookkeeping Supervisor, New Accounts Manager, or Teller Manager.)6126 OPERATIONS MANAGER II (INTERM.)First or second level management responsible for the operation of a large function or a combination of two or more functions such as lobby operations, bookkeeping, proof, new


accounts, tellers, accounting, purchasing, etc. Generally supervises 15-40 employees.6127 OPERATIONS MANAGER III (SENIOR) Second-level management. Responsible for the largest and most complex operations. Directly or indirectly manages half or more than half of all bank operations. Typically reports to the Chief Operations Executive.


OPERATIONS (continued)6003 BANK SECRECY ACT SPECIALIST (BSA)Analyzes the new and pending laws that could directly affect the current practices of the organization. Develop and revise policies for Board of Directors approval and revise internal procedures to ensure compliance. Conduct periodic audits to assess the effectiveness of controls and operations and accuracy of financial records. Provides documentation of the internal control systems; report findings and make recommendations. May develop BSA training. Typically requires a Bachelor’s degree and 1 year of experience.6128 CHIEF OPERATIONS EXECUTIVEOverall responsibility for administering the functions of the Operation Department. Coordinates the activities of the department through the Operations Manager. Prepares various reports as required by State and Federal regulatory agencies.6030 PROOF OPERATOR Operates a proof machine, proving deposits and listing and sorting items. Excludes Trainees.6002 RECORDS CLERK/SCANNER Under general supervision, performs a variety of general support and records management duties. Performs all aspects of scanning operations. Prepares paperwork for scanning and ensures production and quality goals are met for document management. Ensures that the organization meets all regulatory record retention requirements. 6040 TELLER I (JUNIOR)Receives routine deposits, cashes checks or other negotiable instruments and is responsible for daily proof of transactions. May occasionally handle money orders, travelers checks, foreign currency, etc. Familiar with either lobby or drive-up work area. Responsible for cross selling. Report incumbents working 35 hours per week or more only.6041 TELLER II (SENIOR)Handles more complex deposits, check cashing and other transactions using negotiable instruments. Handles complex balancing. This level is fully proficient in the following areas: money orders, drafts, foreign currency, travelers checks, and cash advances. Familiar with lobby, vault, and/or drive-up work areas. Responsible for cross selling. Report incumbents working 35 hours per week or more only.6157 TELLER, PART-TIMETellers working between 20-34 hours/week. 6158 TELLER, PEAK-TIME Tellers working less than 20 hours/week. 6042 TELLER, HEAD In addition to performing the duties of a Teller II, may coordinate and monitor the work of Teller Trainees in a lead capacity only. May schedule work flow and train lower level Tellers. May act as an Assistant Supervisor. This is typically a non-exempt position. Report incumbents working 35 hours per week or more only.6135 TELLER SUPERVISOR

Performs varied assignments to supervise Tellers and is under the direction of a Teller Manager or other bank officer. Coordinates activities with other departments. Is responsible for training of new Tellers and preparation of reports for records and management use. This is a first-line supervisor and typically an exempt position. Excludes Head or Lead Tellers.


6134 TELLER MANAGER This is a second-line managerial position with Teller Supervisors reporting to incumbent. Plans and upgrades Teller training. Assumes responsibility for all cash, resolving customer complaints on both personal and business accounts, and approving checks for cashing. May have responsibility over the cash vault area.6046 SUPPORT REPRESENTATIVE A fully experienced individual trained in several functional areas, who can be assigned on short notice to any of the following areas: accounting, cash vault, collections, new accounts, proof, safe deposit, teller, trust, etc. Works under minimal supervision to fill-in for absent employees or to supplement staffing in heavy workload areas. This is a general classification. If duties are more specific in nature, see Accounting, Audit, Bookkeeping, Cash Vault, Collections, Loan Service positions. 6067 WIRE TRANSFER CLERKUnder general supervision, sends and receives wires for the Bank and its customers ensuring all wires are accurate, properly authorized, and correctly routed. Notifies customers of wires received and answers routine customer inquiries. All incoming and outgoing wires input is subject to deadlines. Typically requires familiarity with automated systems and bank operations.

CLIENT SERVICES

6006 CLIENT ACCOUNTS BOOKKEEPERProvides private accounting/bookkeeping services to clients who require specialized assistance. Must have knowledge of current accounting principles. Prepares consolidated financial statements and necessary schedules for financial audits and regulatory reporting for assigned clients. Typically requires a CPA or Master’s degree and minimum 3 years related experience.6007 TAX ACCOUNTANTUnder general supervision, prepares more complex federal and state tax returns. Submits weekly status reports of tax returns in process to Tax Manager. Typically requires a CPA and 2 - 5 years related experience.6008 TAX MANAGERPrepares, reviews and signs tax returns. Answers tax issues and provides research as needed. Maintains proficiency in tax law, analyzes changes in the tax law and researches tax law to ensure compliance and effective tax planning strategies. Establishes procedures for accurate and timely preparation of income tax returns, trust returns, estate, gift returns and partnerships. Supervises CPAs and other professionals with advanced degrees and experience. Typically requires a CPA and 5-8 years related experience.6044 TRUST ADMINISTRATIVE ASSISTANT I

(JUNIOR) Processes various trust account transactions, including the following: adjusts, transfers, receives and delivers assets in trust accounts. Updates trust

department savings accounts with interest paid. Handles receipts and disbursements for trust accounts.6045 TRUST ADMINISTRATIVE ASSISTANT II Processes a variety of complex trust account transactions, including bearer bonds. Typically has 3 or more years of experience in the trust area.


CLIENT SERVICES (continued)6136 TRUST OFFICER I (JUNIOR)Handles administration of less complex, routine accounts such as estate, trust, agency and guardianship. Determines account objectives and plans portfolio for customers/ beneficiaries. Typically has less than 3 years of experience in trust related activities.6137 TRUST OFFICER II (INTERMEDIATE)Administers a variety of large or more complex accounts such as estate, trust, agency and guardianship. Maintains close contact with customers, beneficiaries, and attorneys. This is a fully experienced Trust Officer. Typically has 3 or more years experience in trust related activities.6138 TRUST OFFICER III (SENIOR) Manages the investment of funds for major personal accounts. May coordinate the management of a group of complex accounts. May provide advice and guidance to lower level Trust Officers in a lead capacity only. Position normally found in large trust departments with over $100 million in managed assets.6139 TRUST INVESTMENT PORTFOLIO

ADMINISTRATOR Assists in the investment of funds for personal trusts or employee benefit accounts. Plans portfolio make-up utilizing technical advice of Securities Analysts, Tax Accountants and other sources. Implements security purchases and sales orders. Analyzes security markets to maximize return on investment.6141 TRUST OPERATIONS MANAGER Manages at least part of the operations activities of a trust function. Directs the preparation, processing, and maintenance of trust accounts, records, reports, and various other operating procedures and transactions.6140 TRUST EXECUTIVE, TOP Manages the staff and activities of the trust department. Establishes the overall direction of the department. Develops, evaluates, modifies and implements policies.

INVESTMENTS

6173 PROFESSIONAL CUSTOMER SERVICE REPRESENTATIVE II

Answers routine inquiries and resolves customer questions that require professional expertise. Requires licensure or certification in field (i.e., Series 6 license).EXCLUDE COMMISSIONED PERSONNEL6174 PROFESSIONAL CUSTOMER SERVICE

REPRESENTATIVE III Provides telephone troubleshooting to external customers with professional questions. Must be able to identify problems and recommend solutions. Requires licensure or certification in field (i.e., Series 6 license). EXCLUDE COMMISSIONED PERSONNEL

6175 PROFESSIONAL CUSTOMER SERVICE REPRESENTATIVE LEAD

Trains or guides the work of lower level Professional Customer Service staff. Requires licensure or certification in field (i.e., Series 6 license).

EXCLUDE COMMISSIONED PERSONNEL


6021 INVESTMENT IMPLEMENTATION ANALYSTProvides trading support for bond and securities transactions and provides Trust Department with strategic, analytical investment and client performance review support. Understands and follows policies, processes and procedures, especially as related to investments, recommended investments and trading regulatory rules. Typically requires Bachelor’s degree and 2 years related experience.6027 FINANCIAL ANALYSTOrganizes client data and assists financial counselor in determining appropriate courses of action and implementing plan regarding client investments, taxes, etc. Creates simple models for tax and stock option analysis and prepares estimated federal and state vouchers. Acts as a resource person for the financial counselor by returning client phone calls in the absence of the financial counselor when necessary. May require series 63 and 65 licensure.6023 FINANCIAL COUNSELORActs as Client Relationship Manager for a designated group of clients. Analyzes areas which are critical to the client’s financial security and growth, which may include: personal investments, income taxes, estate planning, retirement, etc. Provides continual counseling and an ongoing relationship with the client. Typically requires Master’s degree and five years related experience.6084 FUND ACCOUNTANTProcesses and enters routine security transactions on an automated accounting system for accounts, including recording fund subscriptions and redemptions, accruing income and expenses and tracking cash available for investment. Controls and balances accounts and output to ensure accurate processing of transactions. Posts accounting entries to ledger and reviews and reconciles balances for assigned mutual funds. Processes special adjustments. Prepares monthly financial statements and routine statistical reports. Typically requires Bachelor’s degree in business or accounting and less than 2 years related experience. Must have knowledge of GAAP.6085 FUND ACCOUNTANT, SENIORControls and balances accounts and output to ensure the accurate processing of transactions. Proofs funds and balances for assigned mutual funds. Proofs and balances daily reports and distributes daily journals. Prepares daily report of accounts opened and closed by product and capital stock gain/loss in addition to monthly, annual and semi-annual financial reports and analyses. Performs net asset value and yield calculations for funds on a daily basis, as well as compliance testing required by regulatory agencies. Provides technical support to entry and intermediate level fund accountants. Typically requires Bachelor’s degree in finance or accounting and 2 - 4 years related experience. Must have knowledge of GAAP.


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