Current Openings

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Credit Manager:

Core Values

TAKE CHARGE
ENCOURAGE CREATIVITY
CENTER AROUND COMMUNITY
LEAD IN INNOVATION
DO WHAT IS RIGHT

About the job

Provide leadership and management to credit analyst employees to ensure satisfactory performance, adequate training, promotional and development opportunities and fair compensation in accordance with Bank policies. Provide adequate oversight to direct reports to assure that they perform their duties in accordance with Bank requirements and that they meet all audit, compliance, risk management and regulatory requirements, mandates and directives to operate in a safe and sound manner.
Conduct annual performance reviews of direct reports
Exercise oversight of the credit analyst workflow process, seeing to completion the credit packages to be submitted for approval for the week. Monitor workflow periodically to determine if resources are being utilized correctly and that prioritization is accurate.
Review and analyze credits as needed prior to final committee submission while providing feedback to analysts for improvement
Collaborate with other departments to implement new credit processes in response to changing regulations or bank goals
Featured benefits

Medical insurance, Vision insurance, Dental insurance, 401(k), Paid maternity leave, Tuition assistance, Student loan assistance, Disability insurance

Treasury Management Support Client Associate:

Summary:

The Treasury Management Support Client Associate is responsible for the implementation and support of treasury management products. This role involves various aspects of Treasury Management Services (TMS), including the setup, documentation, and ongoing support for the bank’s TMS clients. The individual will work closely with internal sales personnel and interact with external clients. This role requires providing exceptional client service and professional assistance to clients, prospective clients, and associates.

Core Values

TAKE CHARGE
ENCOURAGE CREATIVITY
CENTER AROUND COMMUNITY
LEAD IN INNOVATION
DO WHAT IS RIGHT

Responsibilities:

Provide comprehensive support to treasury customers, including answering questions, setting up accounts, resetting passwords, and updating agreements and transaction limits for all treasury products to include ACH Origination, Wire Origination, Remote Deposit Capture, Lockbox, Account Analysis and other services.
Perform Account Analysis review and account maintenance.
Oversee the initiation, execution, and review of treasury agreements and to ensure accurate and timely implementation of contracted services.
Verify that contracted services are implemented within expected timeframes and accurately to ensure service fees are appropriately charged.
Monitor customer accounts to ensure services are delivered as requested and comply with treasury management procedures and bank policies.
Provide demonstrations and training for customers on treasury product usage, including the installation and troubleshooting of hardware/software.
Identify cross-sell opportunities and actively market additional products to existing customers.
Stay informed of product updates and documentation while adhering to bank policies and procedures.
Lead research and development of special projects, perform support functions related to departmental tasks, and frequently interact with officers and other departments.
Ensure service and fulfillment-related requests/inquiries are directed to appropriate teams and resolved to achieve a high level of customer satisfaction. Communicate resolutions to customers and act as a liaison between customers and the bank's operations departments.
Maintain strong working knowledge of bank products, procedures, regulatory requirements, and industry issues through ongoing internal and external training.
Assist with creating and revising department procedures.
Assist with creating and monitoring department reports on a schedule basis.
Contribute to special projects and system conversions as requested by the manager.
Perform other job-related duties as assigned.

Technical Skills:

Proficiency in Treasury Management Systems.
Familiarity with banking software and online banking platforms.
Strong knowledge of Microsoft Office Suite (Excel, Word, PowerPoint).

Certifications:

Certified Treasury Professional (CTP), preferred.
Accredited ACH Professional (AAP), preferred.

Skills:

Strong problem-solving skills and attention to detail.
Excellent communication and interpersonal skills.
Ability to manage multiple priorities in a fast-paced environment.
Effective communication skills.
Ability to remain calm and courteous when handling difficult calls and requests.
Ability to work well in a team environment.
Capability to work in a deadline-driven, fast-paced environment.

Work Environment:

Flexibility for remote work options, if applicable.
Ability to work in a deadline-driven, fast-paced environment.
Expected working hours: 8am-5pm Monday through Friday

Qualifications:

Education: Minimum high school diploma or equivalent (GED).

Experience:

1+ years of retail or commercial operational banking experience with emphasis on opening new accounts.
1+ year(s) of operational support experience (e.g., ACH, wire transfers), preferred.
1+ year(s) of treasury management experience, preferred.

Knowledge:

Familiarity with business account titling and documentation.
Strong knowledge of current ACH regulations.
Ability to develop and maintain knowledge of online banking, account analysis, electronic payments, and collections.

Additional Requirements:

Valid driver’s license and the ability to relocate between branch locations and customer locations for coverage as needed.
Ability to lift and maneuver 25 lbs. as needed.
Ability to sit, stand or bend for extended periods of time.

Senior Credit Analyst:

Summary:

The primary purpose of the Credit Analyst II position is to analyze financial information and assess the risk of offering credit to businesses and individuals.

Responsibilities:

Prepare written credit-approval packages for approval presentation
Research, examine, and quantify the degree of credit risk involved in a credit
Evaluate customer records and recommended payment plans based on submitted financial data
Generate financial ratios, using computer programs, to evaluate a customers’ financial capacity
Analyze financial data such as income growth, quality of management and market share of customers
Prepare various monthly reports for presentation to senior management
Perform other job related duties as assigned

Qualifications:

Bachelor’s degree in business related major with at least two accounting courses
2-3 years banking credit analyst experience required
Commercial real estate cash flow analysis experience, preferred
Strong analytical ability
Proficiency in Microsoft Word and Excel is required
Possesses the ability to communicate at a high level both verbally and in writing
Motivated self-starter and an active learner
Careful attention to detail and time management skills are essential
Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank

Commercial Lending Assistant:

Summary:

Under general direction, the Commercial Lending Assistant is responsible for providing administrative support to the Manager, Relationship Managers and/or Portfolio Managers in a specific geographical market or business line. The Lending Assistant is responsible for the proper processing of loan transactions and documents for loans in the portfolio, the maintenance of loan files and records, and the preparation of various reports. In addition, the Lending Assistant may communicate with third parties and customers to facilitate loan servicing and problem solve.

Responsibilities:

Coordinate loan due diligence with various third parties including loan processors and/or customers.
Prepare and review loan due diligence for processing, closing and post-closing administration, as needed.
Conduct loan closings and disburse funds, as needed.
Prepare advances on line of credit loans as approved by banker.
More familiar with borrowing base and calculations of available funds.
Assist bankers with ongoing file maintenance including past due reports/notices, insurance management, compliance exceptions, problem solving and contacting customers if needed.
Prepare and maintain construction loan records including construction draws, floor plans and letters of credit.
Gather and review loan due diligence which include processing, reporting, administration and closing.
Resolve problems related to content of documentation.
Liaison for customer and third party inquiries throughout for the lending relationship including but not limited to facilitating loan documentation, payment amounts, credit information, and resolves associated problems.
Review and coordinate resolution of NSF items and prepare wire transfers as needed
Adhere to operational controls to ensure safety and security of customers and banks assets including legal, corporate, and regulatory procedures and policies.
Perform administrative functions for the department including typing memos, letters, answering and directing calls, report distribution, and file management.

Qualifications:

Education Requirements
• High school diploma or equivalent is required.
Minimum Experience
• Minimum of 6 years of experience in financial services customer service environment and/or loan documentation
Knowledge/ Skills/ Abilities
• Knowledge of construction lending, preferred.
• Previous experience in personal banking or new accounts, preferred.

Core Values

TAKE CHARGE
ENCOURAGE CREATIVITY
CENTER AROUND COMMUNITY
LEAD IN INNOVATION
DO WHAT IS RIGHT

Small Business Administration Operations Manager:

Core Values

TAKE CHARGE
ENCOURAGE CREATIVITY
CENTER AROUND COMMUNITY
LEAD IN INNOVATION
DO WHAT IS RIGHT

Summary

The SBA Loan Operations Specialist Manager is responsible for packaging, processing and closing all SBA 7(a) loans. Responsibilities include, but are not limited to, preparing SBA application forms and loan documents, building complete loan files, assisting in closing and funding of all SBA 7(a) loans. The SBA Sr. Operations Specialist will work alongside the SBA Regional President and other Commercial and Business Banking Relationship Managers during the origination of all loans as well as monitor for compliance during the life of the loans. The incumbent is responsible for performing these duties in accordance with bank policy and SBA SOP Lending Guidelines.

Responsibilities:

• Review assigned loan files, determine information needed for closing and obtains information from customer
• Completes all SBA loan origination and servicing actions requests and monthly reporting with little to no supervision
• Evaluate customer record and recommend payment plans
• Monitors construction loans by reviewing contracts, processing draws while obtaining appropriate lien portfolio
• Acts as primary point of contact for internal and external customers regarding SBA loan processes and files
• Functions as a point of contact for internal departments during the SBA loan process
• Coordinates closing with title companies, attorneys, brokers, etc and communicates procedures, responsibilities, exceptions, and endorsements
• Confers with credit associations and other business representatives to exchange credit information
• Supervises Banking Assistants
• Leads workflow and assigns tasks for the Banking Assistant
• Trains, mentors, and answers co-worker questions
• Manages and approves time cards and time off requests
• Monitors and evaluates potential risk with SBA loan files
• Analyzes credit data and financial statements to determine amount of risk involved
• Performs on-site collateral inspections and in-house audit reports
• Interprets financials and specific industry trends and customer payment history

Qualifications:

• Bachelor’s degree or four years equivalent work experience
• 5+ years’ experience in Loan Operations (preferably in SBA loans).
• Capacity to analyze and prioritize information and make appropriate recommendations to the lenders.
• Intermediate knowledge of Microsoft Word, Excel, PowerPoint, Access, and Outlook (e.g. create templates, complete mail merges, insert and edit charts, create basic formulas, create queries)
• Ability to combine pieces of information to form general rules or conclusions
• Ability to evaluate documents for accuracy and legal conformance
• Ability to identify problems, evaluate alternatives, and implement effective solutions
• Ability to effectively plan, manage, and delegate the work of others
• Ability to supervise and train others
• Ability to evaluate risk and make appropriate recommendations to mitigate or reduce risk potential
• Ability to consolidate and present information appropriate to needs of the audience

Digital Banking Product Owner:

Summary:

We are seeking a dedicated and skilled Digital Banking Product Owner to oversee the day-to-day management, growth, and optimization of our digital banking platform. This person will be responsible for driving the platform’s roadmap, implementing enhancements, communicating new features, and ensuring seamless support for escalated issues. The ideal candidate will possess excellent customer service skills, a proactive approach to problem-solving, and the technical acumen to collaborate with vendors and internal teams.

Responsibilities:

Platform Management & Enhancements

Own and manage the digital banking platform’s daily operations.
Identify, prioritize, and execute platform enhancements to improve user experience and align with business goals.
Develop and maintain a roadmap for the platform, driving continuous improvement and innovation.
Collaborate with stakeholders across departments to ensure platform alignment with organizational needs.

Communication & Product Launches

Design and implement communication plans for new product launches, feature enhancements, and updates.
Work closely with marketing and customer service teams to ensure effective communication of platform changes.
Develop support documentation and training materials as needed.

Support & Issue Resolution

Serve as the primary Level 2 support for escalated platform issues, providing timely and effective solutions.
Directly engage with customers to resolve escalated issues, demonstrating empathy and excellent customer service.
Partner with vendors to triage and resolve complex technical issues, ensuring minimal downtime and maximum platform reliability.

Customer Engagement & Feedback

Build and maintain strong relationships with customers, gathering feedback to inform platform enhancements.
Conduct regular reviews with customer support and frontline teams to understand customer pain points and improvement opportunities.

Performance Tracking & Reporting

Monitor platform performance and usage metrics to assess functionality, identify trends, and measure success.
Generate regular reports and insights for senior management, highlighting areas of improvement and successes.
Proactively identify areas for optimization and recommend solutions to improve user experience and engagement.

Qualifications:

Bachelor’s degree in Business, Information Technology, or related field, or equivalent work experience.
Preferred 5+ years of experience in digital banking, fintech, or product management with a focus on digital platforms.
Demonstrated experience managing a product or platform lifecycle, from development to enhancement.
Strong problem-solving skills and ability to manage escalated issues independently.
Excellent communication skills, both written and verbal, with a proven ability to create and execute effective communication plans.
Customer-focused mindset with experience in direct customer service and issue resolution.
Ability to work cross-functionally with internal teams and external vendors.
Proficiency in tracking and analyzing platform performance metrics and user engagement data.

Preferred Qualifications:

Experience working with digital banking platforms or fintech applications.
Familiarity with Agile and Scrum methodologies for product development.
Strong technical understanding of platform architecture and integrations.

Core Values

TAKE CHARGE
ENCOURAGE CREATIVITY
CENTER AROUND COMMUNITY
LEAD IN INNOVATION
DO WHAT IS RIGHT

Small Business Administration Operations Manager:

Core Values

TAKE CHARGE
ENCOURAGE CREATIVITY
CENTER AROUND COMMUNITY
LEAD IN INNOVATION
DO WHAT IS RIGHT

Summary

Responsibilities:

Qualifications:

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If you have a dedication to serving your local community and a passion for banking, stop by one of our locations or email your resume to [email protected].

_{Keystone Bank is an Equal Opportunity Employer.}

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