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Opportunities

AVP & Retail Business Development Officer

Department:   Retail Banking
Location:   Elmwood Park, NJ 

Responsible for the cultivation and development of Centers of Influence (COIs) that refer profitable new business relationships that have strong commercial non-interest bearing deposit, cash management and commercial lending needs.  Also works closely with the Regional Manager, Retail Branch Management, the Business Banker, and the C&I and CRE Lenders in support of the above mentioned expectations.  The BDO will focus on developing relationships with “deposit rich” industries and companies with annual revenues greater than $5mm.

Qualified candidates should possess College Degree or education (or a combination of education and experience) equivalent to an undergraduate degree.  Formal small business credit training a plus. Minimum of 5 years as a business banking officer at a commercial bank. Excellent communication, organizational and sales skills required. Excellent customer service/interpersonal skills required. Basic knowledge of word processing and spreadsheet software required. Goal oriented individual – displaying self-motivation, initiative and a team player.

C&I Underwriter

Department: Commercial & Industrial Real Estate
Location: Elmwood Park, NJ

Responsible for underwriting commercial loans and evaluating applications originated by the department.  Duties include gathering and analyzing financial data, assessing underlying credit risks and determining overall credit worthiness of prospective borrowers.  Processes, underwrites and approves/declines credit applications sourced from the branch network and loan officers.  Provides ongoing monitoring of the loan portfolio through the annual reviews, renewals of existing credit facilities and monitoring financial and covenant compliance.

Qualified candidate should possess a College Degree, or equivalent related business experience. Minimum of five years of previous commercial underwriting experience is required, along with a working knowledge of credit issues, bank policies and commercial loan documentation.  Demonstrated ability to analyze tax returns, operating statements and pro-forma statements to calculate loan-to-value and debt-coverage ratio.  In-depth experience with cash flow and leverage analysis.  Excellent written and verbal communication skills required. Proficiency with various software programs preferred; including word processing and spreadsheet applications.

V.P. & C&I Business Development Officer

Department: Commercial & Industrial Lending
Location: Elmwood Park, NJ

Responsible for generating C&I business by focusing on developing new business relationships and a strong referral network – specifically with accountants, public agencies, attorneys and Chambers of Commerce.

Cultivates referrals from branch network for business-related products and services. Participates in meetings of branch offices to enlist their consistent support and heightened awareness of new products and services. Prospects for new business customers via networking, cold-calling and telemarketing. Successfully develops new business and manages relationships to retain business over the long-term. Tracks and reports sales results on a monthly basis. Insures the profitability and credit quality of the portfolio in accordance with Spencer’s credit policy. Manages the day-to-day credit process, including credit write-ups, customer inquiries and deal structures. Gathers financial information, prepares loan proposals and manages several aspects of the underwriting function. Monitors quality of existing accounts, verifying that loans conform to policy.

Qualified candidates should possess a College Degree, or equivalent related business experience along with a minimum of 3 years C&I lending experience. Excellent communication, organizational and customer service skills. Strong sales skills to facilitate and cultivate leads is essential. Credit and risk analysis skills required – with a working knowledge of various financing options. Capability of working independently in a fast-paced and changing environment. Basic knowledge of word processing and spreadsheet software required.

Branch Operations Manager

Department: Retail Banking
Location: (Three Open Positions):  Lyndhurst, Cranford & Wayne, NJ

Responsible for coordinating, monitoring and scheduling the work of CSRs to ensure efficient branch operations. Assists in managing a retail environment that is consistent with branch operational policies and procedures. Assists the branch manager in meeting branch sales goals and assumes the overall branch responsibility in the absence of the Branch Manager.

Qualified candidates should possess a College Degree, or equivalent related business experience, along with a minimum of 4 years of bank and customer service, with a minimum of two years being in a supervisory role.    Excellent communication, organizational and supervisory skills required.  Excellent customer service/interpersonal skills and sales skills are also essential. Proficiency with various software programs including word processing, spreadsheet and banking software required.

 

V.P. & CRE Loan Officer

Department:  Commercial Real Estate Lending
Location: 
Elmwood Park, NJ

Responsible for establishing, maintaining and developing CRE business with clients/prospects to meet departmental goals, while achieving maximum profitability and growth through effective sales and services.  Attends to the needs of commercial real estate clients seeking loans.  Prospects for new business customers via networking, cold-calling and visiting potential clients in-person.  Monitors the quality of existing accounts by verifying conformance to existing policies, ensuring that necessary documentation is complete and by conferring with superiors regarding difficult or sensitive issues.  Expedites the resolution of customer problems and complaints.  Ensures strong, effective market share of the products and services by providing direction and information on the products and applications and related services.  Keeps abreast of the products, applications, technical service, market conditions, and competitive activities.  Coordinates with underwriters and closes new loans/modifications as needed.  Performs other duties as required.

Qualified candidates should possess a College Degree, or equivalent related business experience along with a minimum of 3 years Commercial Real Estate origination experience. Excellent communication, organizational and customer service skills. Strong sales skills to facilitate and cultivate leads is essential, along with a thorough understanding of the CRE product line.  Basic knowledge of commercial real estate underwriting requirements and procedures needed.  Goal-oriented individual with excellent teamwork skills capable of working independently in a fast-paced and changing environment.

Customer Service Representative

Department: Retail Banking
Location: Varying Branch Locations

Responsible for performing teller duties including receiving and processing customer transactions and preparing and maintaining various reports and records.  Provides quality customer service and actively participates in the bank’s business development activities by recognizing and referring new business opportunities to the appropriate personnel.

Qualified candidates should possess a High School degree, GED or some equivalent related business experience.  Banking, customer service and/or retail experience preferred.  Excellent customer service and communication skills required. Proficiency with mathematics and various software programs including word processing and spreadsheet applications required. Travel will be required within the branch network.  Fluency in Spanish or Polish a plus.

Customer Service Center Representative

Department: Retail Banking
Location:
Elmwood Park, NJ

Responsible for performing basic customer service duties, including assisting internal and external customers with account-related information, deposit and loan rates, product features/benefits, account openings, loan applications and problem resolutions. Provides quality customer service and actively participates in the bank’s business development activities including outbound customer service sales calls.

Qualified Candidates should possess a High School degree, GED or some equivalent related business experience.  A minimum of one year experience in a call center or bank branch, which would include direct and indirect customer service experience, is required. Excellent telephone speaking skills, as well as customer service and communication skills required. Proven capability to proficiently and effectively present information to all levels of employees and customers is necessary. Proficiency with various software programs including word processing and spreadsheet applications. Fluency in Spanish or Polish a plus.

Teller Positions (Part-Time)

Department: Retail Banking
Location: Various Branches

Responsible for performing basic teller duties, including receiving and processing customer transactions; preparing and maintaining various reports and records. Actively participates in the Bank’s new Business Development activities.

Qualified candidates should possess a High School Degree, GED or some equivalent related business experience. Cashier/customer service/retail sales experience preferred. Excellent communication skills and mathematical proficiency required. Exposure to personal computer based software preferred.