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Opportunities

Customer Service Center Representative I (Full Time & 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!

Customer Service Center Representative (Part Time)

Department: Retail Banking
Location: Elmwood Park, NJ

This position performs teller responsibilities, which include receiving and processing customer transactions, preparing and maintaining various reports and records and providing quality customer service. Performs full service teller functions, such as processing deposits, withdrawals and loan payments; cashing customer checks and processing Lock Box transactions. Prepares a daily settlement of CSR transactions.

Responsible for assisting and answering inquiries from customers within guidelines established by CSC management. Performs other duties as required.

CRE Underwriter II

Department: Commercial Real Estate
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.

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 spends approximately 75% of the time outside the branch developing business and participating in community/business related activities/events.  Approximately 25% of their time is spent in the branch managing, observing, coaching and driving the internal sales and operational processes of the branch.

Financial Center Service Representative III

Department: Retail Banking
Location: Various Locations

Financial Center Service Representative (FCSR) III is responsible for processing a variety of financial transactions including but not limited to check cashing, withdrawals, deposits, and loan payments and/or greeting customers, performing customer needs assessment (profiling), opening accounts, cross selling, tele-consulting, developing relationships thru a book of business, and servicing accounts. The FCSR III 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 Supervisor with teller line and end of day functions and daily paperwork according to branch procedures. Works under general supervision.

Financial Center Service Representative I (Part Time)

Department: Retail Banking
Location: Wood-Ridge, 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.  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.

Floating Assistant Financial Center Manager I

Department: Retail Banking
Location: Various Locations

The Floating Assistant Financial Center Manager I provides exceptional customer service while attending to customers’ needs. The AFCM creates and fosters a cohesive team and promotes a positive work environment while overseeing the Financial Center Service Reps who perform both routine financial transactions and/or customer service functions. May cover multiple branches within the region. Assists tellers with more complex tasks and schedules the work flow.

Demonstrates sound judgment and accountability with operational standards. Provides leadership, conflict resolution, process improvement and communication to the Financial Center Service Reps. Responsible for performing audit functions, participates in daily branch opening and closing procedures and required to perform operational tasks, coaching and performance management. Performs other duties as assigned.

Mortgage Closing Representative

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 & Portfolio Manager

Department: C&I Lending
Location: Elmwood Park, NJ

Responsible for oversight of the C&I loan portfolio inclusive of loans risk rated Special Mention or worse, delinquent more than 30 days past due and/or loans requiring special attention as directed by the SLO/SVP of Lending Division to whom the position shall report.

This position provides ongoing credit oversight and portfolio management of the C&I loan portfolio through annual reviews, monitoring of covenant compliance and the creation and maintenance of “Watch List” credits. Manages portfolio risk on a forward and proactive basis with respect to economic and industry trends, borrower concentrations, industry concentrations, likelihood of default and loss and criticized and classified loan migration. Assists SVP Lending Division with monthly reporting as required.

VP & Director of Retail Administration

Department: Retail Banking
Location: Elmwood Park, NJ

This position manages and oversees the retail bank’s back-office and financial center network’s operations. Responsibilities include managing the financial center network’s sales administrative activities, analyzing branch data to audit implementation and integration of sound operational standards and collaborates with several departments to support their direct reports in the planning and creation of budgets. Works with the Customer Service Center Manager to develop Key Performance Indicators (KPIs) and implements strategies that maximize the effectiveness of the CSC and enhances the customer experience.

The VP & Director of Retail Administration Leads, manages and works with the Deposit Operations Manager to proactively identify, recommend and implement strategies that maximize operational efficiency and reduces overall operational costs. This position also leads, manages and works with the Retail Service Manager to proactively identify, recommend and implement strategies to enhance branch efficiencies, maintain high operational standards and ensures compliance with regulatory requirements. Proactively identifies training needs across the Retail Bank and develops and implements training programs that address those needs. Ensures training manager develops a training calendar that schedules training 6 months in advance. Training includes but is not limited to systems, bank culture, product knowledge, policies & procedures, audit/regulatory requirements, sales management, performance management, talent management, presentation skills and behavior interviewing. Candidates must have extensive experience with the Fiserv DNA Core system.  Digital Banking background is a plus.