Purpose

The Customer Service Representative position will provide excellent banking services to customers in a professional manner. Provide the customer and/or potential customer with a clear understanding of the technical aspects and benefits of products and services offered.

Qualifications

To perform this job successfully, an individual must be able to perform each essential job duty satisfactorily. High School diploma or equivalent required. Cash handling experience preferred. Working knowledge of Microsoft Suite products preferred. Must enjoy working with the public on a daily basis. Requires good phone etiquette and the ability to handle difficult customers in a tactful manner. Must be customer service oriented. Must be able to demonstrate aptitude to handle sensitive operational transactions and customer relationships. Must be able to interact as a member of the team, be able to multi-task and be self-sufficient. This position requires demonstrated social skills, professional grooming and adherence to the First United Bank dress code.

Primary Duties

The primary responsibilities will include but are not limited to the following:

• Adheres to the Bank’s Mission, Vision, Core Values and Core Purpose while providing customers with timely, responsive, and exceptional service in accordance with the Bank’s customer service standards.
• Processes all financial transactions in an accurate and timely manner, accepts deposits, cashing checks, disbursing cash and loan payments. Completes transactions according to established guidelines.
• Responsible for managing and balancing cash drawer.
• Processes cashier checks.
• Utilizes teller capture.
• Provides industry leading customer service. Build customer loyalty; establish customer relations through eye-contact, courtesy and friendliness, including addressing each and every customer by name.
• Handles balance inquiries and resolves problems.
• Ensure compliance with internal controls, operational procedures and all applicable policies and procedures.

Working Conditions

Duties are performed in an office environment in a professional business setting. Position may require travel when attending community events/meetings, internal meetings/trainings and to banking centers.

Physical and/or Mental Requirements:

May be required to sit for extended periods of time while performing job duties. May be required to lift and carry up to 20 pounds in the form of paperwork, files, or other items. Must be able to concentrate for extended periods of time, paying attention to detail.

Benefits Offered

Health, Dental, Vision, Life Insurance, Short-Term and Long-Term Disability, Vacation, Sick Time, Paid Holidays, 401K Match, ESOP, Tuition Reimbursement, EAP.

EEO/AA/Disability/Vets

Purpose

The Real Estate Valuations & Portfolio Specialist provides critical support to the Bank’s lending team by managing the appraisal software and vendor relationships, preparing in-house real estate valuations, and assisting with loan portfolio management support. This position also oversees delinquency management and asset recovery efforts, including foreclosures, repossessions, and OREO. The role works closely with the Senior Commercial Lender, Commercial Banker/Credit Approval Officer, Senior Retail Lender, market leaders to drive efficiency across delinquency management and the real estate valuation process.

Primary Duties

The primary duties and responsibilities include, but are not limited to, the following:

• Adheres to the Bank’s Mission, Vision, Core Values, and Core Purpose while providing exceptional service in accordance with customer service standards.
• Collaborates with Loan Administration to oversee appraisal software and vendor relationships in support of the Bank’s commercial real estate valuation process.
• Prepares in-house real estate evaluations in accordance with policy and regulatory guidelines.
• Leads delinquency management efforts, including tracking past-due loans, coordinating foreclosure and repossession activities, and managing OREO properties.
• Actively manages asset recovery efforts, including oversight of repossessed collateral, engagement with legal counsel, and tracking of all post-default activity related to loan and asset recovery.
• Manages the vendor relationship with LSI, including filing claims and ensuring proper documentation for asset protection and recovery.
• Provides support to the loan department leadership team in loan portfolio management activities
• Assists with collecting updated financial information from borrowers to support loan monitoring and portfolio management efforts.
• Maintains accurate and organized records related to appraisals, valuations, delinquency management, and asset recovery in accordance with bank policies and regulatory requirements.
• Participates in the annual review and update of loan policies related to real estate valuations to ensure compliance with regulatory requirements and alignment with bank practices.
• Performs additional duties as assigned.

Qualifications

The ideal candidate has experience in loan operations, credit administration, or lending support, along with a working knowledge of real estate lending and delinquency management. Strong organizational, analytical, and problem-solving skills are essential, as well as strong written communication skills, attention to detail, and the ability to manage time-sensitive responsibilities efficiently. Must demonstrate strong computer skills, including proficiency in Microsoft Office. A bachelor’s degree is preferred but not required; 2–4 years of relevant experience in banking or financial services is strongly valued.

Physical and/or Mental Requirements

This position involves extended periods of sitting, the ability to lift and carry up to 20 pounds of materials, and sustained concentration with close attention to detail.

Working Conditions

Duties are performed in a professional office setting, requiring travel for meetings, real estate analysis, and delinquency management activities.

Benefits Offered

Health, Dental, Vision, Life Insurance, Short-Term and Long-Term Disability, Vacation, Sick Time, Paid Holidays, 401K Match, ESOP, Tuition Reimbursement, EAP.

AA/EEO/Disability/Vets