At Osgood Bank, our team is empowered to help our customers do well. We work together to be good to each other and to give back to our communities. We foster an environment of growth and innovation - while building skills to do better each day. Our benefits include:
Medical Insurance
Short Term Disability
Competitive Wage
Paid Time Off
401K with Match
Vision Insurance
Long Term Disability
Incentive Bonus Plan
Loan Discounts
Profit Sharing
Dental Insurance
Basic Life Insurance
Free Checking
Safe Deposit Box
Saturday Premium
Join our team as a Customer Service Representative and play a pivotal role in providing exceptional service to our valued customers. As a CSR, you will be the face and voice of Osgood Bank, assisting customers with a wide range of inquiries, from account management to financial guidance. Your empathetic communication skills and product knowledge will help you address customer needs, resolve concerns, and foster lasting relationships.
If you're friendly, passionate about finance, and enjoy problem-solving, this role offers you the chance to make a positive impact while advancing your career in the banking industry. Join us in shaping the future of banking and delivering unparalleled service to our communities.
Job Type: Full-time
Benefits:
Dental Insurance
Health Insurance
On-The-Job Training
Paid Time Off
Vision Insurance
Experience Level: No experience needed
Weekly Day Range: Monday - Friday and rotating weekends
Work Setting: In-person.
Greet customers and answer phones promptly and with a friendly attitude.
Build customer rapport.
Become familiar with bank products and services to recommend and refer new services to customers based on their needs.
Ensure proper storage and security in cash drawers and vaults.
Adhere to all bank security standards - including dual control requirements.
Identify acceptable types of identification and handling of forged and/or altered identification.
Be knowledgeable of funds availability rules and place Regulation CC holds when necessary.
Process a variety of transactions, including withdrawals from deposit accounts, payments to loans and credit cards, and advances from lines of credit.
Scan and image documentation, completing workflows.
Assist others with miscellaneous tasks, mailings, and calls.
Represent the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and coworkers through applying Osgood Bank's service standards.
Maintain the highest level of confidentiality with all information obtained.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
High School Diploma or GED; or one to three months related experience and/or training; or equivalent combination of education and experience.
Ability to read and comprehend simple instructions.
Comfortable using computer systems and programs.
Basic mathematical skills.
Regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.
Occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl.
Occasionally lift and/or move up to twenty-five pounds.
As an Equipment Finance Specialist, you are responsible for generating new business loan/lease applications directly from customers and referrals from vendors/equipment dealers. The Equipment Finance Specialist is a sales position that involves prospecting, cold calling, creativity, program creation, and the ability to effectively manage relationships with borrowers, dealers, and financing partners to maximize production.
Osgood Funding is a wholly owned subsidiary of Osgood Bank that specializes in financing programs.
Job Type: Full-time
Benefits:
Dental Insurance
Health Insurance
On-The-Job Training
Paid Time Off
Vision Insurance
Experience Level: Mid-level
Weekly Day Range: Monday - Friday
Work Setting: In-person. Some travel required.
Generate equipment financing (EF) applications by calling on existing customers/vendors, email, text messaging, networking at tradeshows, and visits to dealerships.
Analyze credit requests to determine optimal EF options based on each unique scenario and requirements of funding sources.
Masterfully maneuver deals from application to closing in partnership with internal resources and funding partners.
Determine pricing/terms using rate sheets and spread calculation tools (i.e., TValue).
Communicate credit decisions, rates, and terms to borrowers, including declines when necessary.
Collect documentation required for underwriting and closing including financial statements, vendor invoices, and other applicable items, ensuring all information is received and submitted accurately.
Manage relationships with assigned customers, vendors, and dealers in Osgood Funding's CRM database, ensuring consistency in contact, service, and communication.
Create specialized vendor/dealer programs to maximize referral networks and indirect application volume.
Answer calls and follow up on customer requests promptly to maintain availability and service speed upon intake of new inbound financing requests.
Provide training and support to other Equipment Finance Specialists as needed.
Perform other duties as assigned by management.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelor's degree in Business Administration or related field.
2+ years of experience in sales.
Knowledge of financial concepts and spreadsheet applications.
Excellent analytical and problem-solving skills.
Proven experience in customer relationship management.
Strong communication and interpersonal skills.
A combination of financial services, lending, and sales experience is preferred.
Regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.
Occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl.
Occasionally lift and/or move up to twenty-five pounds.
Our Senior Credit Officer position will support the bank's functions related to analysis, underwriting, and the approval/denial processes for all types of loans.
Specific areas of focus will be in C&I Lending, Mortgage Lending, Equipment Finance, Commercial Real Estate Lending, and Consumer Lending. The Senior Credit Officer position will work within a team of credit analysts, underwriters, and support staff to execute and manage risk, service, and compliance with the bank's credit processes and systems.
Job Type: Full-time
Benefits:
Dental Insurance
Health Insurance
On-The-Job Training
Paid Time Off
Vision Insurance
Experience Level: Senior
Weekly Day Range: Monday - Friday
Work Setting: Hybrid
Responsible for reviewing and approving credit requests that ensure proposed loans adhere to existing policy guidelines.
Approves or denies loans within an assigned credit authority for the bank's various lending groups, including specialty lending, commercial lending, mortgage lending, and consumer lending.
Establishes, implements, and manages administrative and review systems and procedures to protect the quality and profitability of the loan portfolio.
Provides training, development, and coordination of credit analysts and underwriting staff.
Advises credit and lending staff on the company's overall lending policy and underwriting standards.
Assists in creating and administering all policies and procedures.
Helps facilitate the external loan review process and serves as a key point of contact and resource for the loan audit and loan compliance functions.
Serves as the systems expert and administrator of the bank's various lending origination systems for commercial, mortgage, and consumer lending.
Manages relationships with vendors including, but not limited to, key lending software partners and the bank's credit report provider.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Previous Credit Approval Authority required.
Strong knowledge of financial software and systems.
Strong organizational, interpersonal, management, communication (written and oral), analytical, critical thinking skills.
Strong Excel skills and the ability to calculate all necessary ratios to perform credit analysis required.
Proficiency in 10-key typing.
Ability to perform basic math calculations.
Familiarity with Fair Housing regulations.
Excellent communication and interpersonal skills.
Strong analytical and problem-solving skills.
Ability to work independently and as part of a team.
A commitment to ongoing professional development and staying current with industry developments.
Regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear.
Occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl.
Occasionally lift and/or move up to twenty-five pounds.
Thank you for your interest in joining our team.
We are not currently advertising any additional openings, but if you think you'd be a good fit for Osgood Bank you can always submit your resumé and we will keep it on file in case something opens up.
Until then,
Do Well. Be Good.
Osgood Bank is an equal opportunity employer. We believe in equal opportunities for all employees and job applicants. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, national origin, sex, gender identity, sexual orientation, age, military status, disability, citizenship status, and any other category protected under federal, state, or local law.
Equal Opportunity/Affirmative Action Employer
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