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  Holiday Closing & Important Update
We will be closed on Saturday, July 4th in observance of Independence Day. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Normal business hours will resume on Monday, July 6th. Read More

Our financial centers are now reopened with regularly scheduled hours for lobby and drive-up service. Spencer customers will now have full access to the lobby area of all our financial centers. We understand there are still concerns when visiting public spaces, such as these. To ease such concerns we have implemented a number of new safety practices and protocols that you will notice upon visiting our financial centers, all of which are designed to ensure a safe and secure environment for everyone that visits our bank. Read More

 

Opportunities

Commercial Real Estate Underwriter II

Department: Retail Banking
Location: Elmwood Park, NJ

Responsible for underwriting mortgage loans on income-producing properties.  Duties include gathering and analyzing financial data, working closely with other department members to structure loans and recommend appropriate loan transactions, and interacting with outside parties to structure loans and prepare final loan submissions.

Qualified candidate should possess a College Degree, or equivalent related business experience. Minimum of five years of previous underwriting experience is required, along with a demonstrated ability to analyze tax returns, operating statements and pro-forma statements to calculate loan-to-value and debt-coverage ratio.  Familiarity with a financial calculator to perform payment, present value, future value and yield calculations.  Excellent written and verbal communication skills required. Proficiency with various software programs preferred; including word processing and spreadsheet applications.

Customer Service Center Representative I (Part Time)

Department: Retail Banking
Location: Elmwood Park, NJ

Responsible for performing basic customer service duties, including assisting internal and external customers with opening new accounts, loan applications, processing customer transactions, providing account-related information, quoting deposit and loan rates, product features/benefits and problem resolutions. Actively participates in new business development activities including outbound customer service and sales calls.

Qualified Candidates should possess a High School degree along with some customer service experience.  A minimum of 1 year bank or call center experience, including direct and indirect customer service experience preferred.  Qualified candidate must be technology savvy with level of comfort to service customers using video and audio equipment at remote branch sites.  Excellent communication and organizational skills.  Proficiency with various software programs including word processing and spreadsheet applications. Fluency in Spanish or Polish a plus!

Financial Center Manager II

Department: Retail Banking
Location: Wayne, NJ

Responsibilities include managing the day-to-day operations of the branch, the internal sales process and customer experience. This position is responsible for ensuring all policies and procedures are followed and that the branch staff practices sound risk management.

The FCM II is responsible for providing required reporting related to operations and control and adherence to income, expense, and budgetary guidelines and standards. This position is also responsible for security of equipment and premises, financial controls, collections and loss handling, as well as daily opening and closing procedures.

Financial Center Manager III

Department: Retail Banking
Location: Ewing, NJ

Responsibilities include managing the day-to-day operations of the branch, the internal sales process and customer experience. This position is responsible for ensuring all policies and procedures are followed and that the branch staff practices sound risk management.

The FCM III is responsible for providing required reporting related to operations and control and adherence to income, expense, and budgetary guidelines and standards. This position is also responsible for security of equipment and premises, financial controls, collections and loss handling, as well as daily opening and closing procedures.

Financial Center Relationship Representative

Department: Retail Banking
Location: Various Locations

The Financial Center Relationship Representative (FCRR) is responsible for building long-term profitable customer relationships via acquisition of new customer market share, expansion & retention of existing customer wallet share and the delivery of a consistent extraordinary customer experience.  Responsible for managing and cultivating a book of business of existing customers with expectations of growing core deposits, loans and ancillary bank services.  Executes a customer contact strategy that includes tele-consulting, email, mail or text to drive customers into the bank for relationship expansion.

Responsible for consistently conducting needs-based assessments with every customer via profiling to proactively identify opportunities to make the customer money, save the customer money and/or make the customer’s banking more convenient.  This individual will also assist in educating and developing the referral skills of the Financial Center Service Representatives in their branch.  This individual should require minimal supervision and provide flexibility of coverage for the branch by supplementing general platform sales, service and operational responsibilities as required.

Financial Center Service Representative I

Department: Retail Banking
Location: Garfield, NJ

Financial Center Service Representative (FCSR) I is responsible for processing a variety of financial transactions including check cashing, withdrawals, deposits and loan payments. This position is responsible for managing and balancing a cash drawer and preparing daily paperwork according to branch procedures. The FCSR I is responsible for engaging clients during their transaction to identify any customer needs and refer them over to the platform for fulfillment. Responsible for providing an extraordinary customer experience by executing Spencer’s customer service behaviors with every client interaction. They also assist the Assistant Financial Center Manager with teller line and end of day proof functions. Works under general supervision.

Financial Center Service Representative I (Part Time)

Department: Retail Banking
Location: Various Locations

Financial Center Service Representative (FCSR) I is responsible for processing a variety of financial transactions including check cashing, withdrawals, deposits and loan payments.  This position is responsible for managing and balancing a cash drawer and preparing daily paperwork according to branch procedures.  Responsible for engaging clients during their transaction to identify any customer needs and refer them over to the platform for fulfillment.   Provides an extraordinary customer experience by executing Spencer’s customer service behaviors with every client interaction.  Supports the Assistant Financial Center Manager with teller line and end of day proof functions. Works under general supervision.

Mortgage Closing Representative (Temporary)

Department: Mortgage Originations
Location: Elmwood Park, NJ

Responsible for the preparation of the closing package and performing company procedures required to close and fund residential mortgage loans in accordance with Spencer and investor policies and requirements. The Closer is responsible for coordinating each residential mortgage and modification closing; corresponding with the borrower, the borrower’s attorney and the Bank’s review attorney in order to schedule each closing in a timely and efficient manner.

This individual coordinates with the mortgage processor, sr. underwriter and borrower in securing outstanding closing conditions, insurance policies, certifications, etc. and ensures that all closing conditions have been cleared by an authorized employee and/or review attorney. Inputs and delivers all loans originated for sale to the investor before the required delivery deadline. The Mortgage Closing Representative tracks closed loans; uploads closing information into the Bank’s loan servicing system. Performs other duties as required.

VP & Client Manager

Department: Commercial Real Estate
Location: Elmwood Park, NJ

Responsible for generating CRE business by developing new business relationships and marketing commercial real estate loans and other products and/or related services. Duties include establishing, maintaining and developing CRE business with customers and potential customers to meet department loan closing goals.

Qualified candidates should possess College Degree, or equivalent related business experience. A minimum of three years commercial real estate origination experience required. Some college and banking experience preferred. Excellent written and verbal communication skills required. Proficiency with various software programs preferred; including word processing, spreadsheet and database applications required.

VP, Regional Manager

Department: Retail Banking
Location: Elmwood Park, NJ

Responsible for maintaining a visible presence in the region through community leadership and involvement, and providing consistent coaching and guidance to the management team, BDOs, Business Banker and Cash Management officer. This position is responsible for achieving regional, market and financial center goals using standardized sales management and coaching principles and effective outside business development techniques.It also ensures that all staff deliver a consistent and extraordinary customer experience. Responsible for the consistent and successful execution of the internal and external sales process, marketing programs, branch operations, self-audit functions, management of income and expense levels and the support of staff development and training.

The Regional Manager Develops and executes an annual strategic regional business plan focused on acquisition, expansion and retention of profitable business and consumer relationships. This individual works with Market Managers to develop and leverage strong Center of Influences for quality closed commercial deposit & loan referrals. Works collaboratively with the Director of Retail Administration and Director of Digital Channels to ensure the financial center network is being adequately supported. Performs other duties as assigned.