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Job Description Job Profile Summary The Consumer Banker will work with existing Bank clients and prospect for new Bank clients to deepen client relationships by both booking business directly and by referring, as appropriate, to internal business partners such as Mortgage, Wealth, Small Business Banker Commercial, and Treasury Management. Essential Functions/Responsibilities • Perform necessary functions necessary to open accounts, perform maintenance., • Run a Teller drawer as deemed necessary by management, • Support client engagement through active calling, client conversations, and follow up., • Daily activities that align with The Bank Experience, including but not limited to:, • Partner with appropriate internal constituencies to bring appropriate level of expertise to the client whether it is service or solution related, • Ensure client follow up calls are conducted in the proper time frame., • Maintain all operational and risk management standards, • Other duties as assigned to assist clients transact business within the branch, drive-thru, by phone and email., • Model the way for peers and coworkers aligned with the Bank's Mission and Values., • The CB is responsible for adherence to all compliance and regulatory procedures., • Tracks, reports and communicates business results and activities to their FCM, • Partner with the District Specialists to execute against retail strategies and objectives to attract, retain and grow core client relationships, fulfill client's financial needs and provide a fIRST Class Client Experience., • Function as client's personal trusted advisor by adding value and building deep client relationships by utilizing the First Client Conversation Model., • Participate and lead in the Bank Experience by being active in site center huddles and meetings to support sales and service activities., • Consistently meet or exceed sales, service and referral goals as set by management, by effectively collaborating as a team, the District and with lines of business in an effort to assist clients meet their dedicated financial needs., • Provide digital assistance and service for clients establishing or in need of support in utilizing the bank's online offering., • Stay informed and up to date on all bank products, processes and procedures and procedures; especially those that are most complex. BankFinancial is an Equal Opportunity Employer (minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity) Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job • 3-4 years of experience in coaching and/or mentoring in a retail environment., • 3-4 years of personal experience in sales and service with previous success in achieving sales and service goals in a retail environment., • 3-4 years demonstrated prior success with achievement of performance goals., • High school diploma or general education degree (GED) required., • Associate's or Bachelor's degree and/or equivalent banking work experience preferred

Job DescriptionRelationship BankerJob Description We are currently seeking an enthusiastic and team-oriented individual to join our Retail Team! If you are looking for a rewarding career in banking where you can shine professionally, provide superior customer service and give back to the community, consider joining Providence Bank & Trust and becoming part of our team. We are always growing and making our communities stronger while achieving our goals. We give back, we give thanks, and we give our all. Employees make us more than just a bank...they make us a community. This individual will be based in Wheaton, IL WORK HOURS: Lobby & Drive-Up Monday-Friday: 8:15am - 5:15pm Schedule will vary according to business needs. Must be able to work a flexible schedule including Saturday. Hours subject to change to meet business needs. SUMMARY: The Relationship Banker is responsible for enhancing customer relationships by providing excellent customer service while servicing all the customers’ financial needs. This position calls for individuals who have a passion for superior customer service and are enthusiastic and team oriented. In this dual role, the Relationship Banker will handle a variety of financial transactions and new account openings for individual and business clients. The Relationship Banker will look for opportunities that support the bank's strategy by engaging with customers to meet their financial needs and make referrals to business partners. ESSENTIAL DUTIES AND RESPONSIBILITIES: • Support relationship building efforts within the branch., • Education - High School Diploma or equivalent (GED)., • Experience - One (1) year job-related experience preferably in a banking, sales or customer service environment., • Banking experience., • Effective customer relationship building skills including ability to sell, cross-sell, and refer products., • Basic knowledge of retail products, policy and procedures, documentation and systems. Salary Range:$17.00 To $22.00 Hourly Salary Range Disclaimer: The base salary range represents the low and high end of the salary range for this position. Actual salaries will vary depending on factors including but not limited to experience and performance. The range(s) listed is just one component of our total compensation package for employees. Other benefits are listed below. Benefits - Health, Financial Security & Work/Life Balance: Providence Bank & Trust offers a comprehensive benefits package to help our employees stay healthy, feel secure and maintain a positive work/life balance. Benefits will vary based upon employment status as well as hours worked per year. Some of the available benefits include medical, dental and vision plans, long-term and short-term disability coverage, life insurance and other voluntary benefit options are available. Retirement benefits include a 401(k) with employer match. Our employees receive paid time off, including time to volunteer paid holidays, and paid parental leave. Other perks include education assistance, and our We CARE Program.

Job Description Who We Are At Old Second, you're first! For more than 150 years, Old Second has consistently put businesses and individuals throughout the Chicago area first, and we're only getting started. With great employees we've grown from a single location in the back of a general store to 50 locations and over $6 billion dollars in assets. At Old Second we embrace values that foster an environment of community and growth. Recently, we've been voted a Forbes Best-In-State Bank for Illinois by our customers. Be a part of something big as we continue our growth story together! Position Overview The Universal Banker positions, levels I, II and III (Universal Banker, Senior Universal Banker and Universal Relationship Banker) are responsible for providing front line customer service and sales including accurately opening and closing accounts, performing account maintenance, profiling customers for new sales and cross sell opportunities, and for performing basic Teller functions as needed. Essential Job Function – all levels • Meets sales and service goals by actively engaging in Bank sales processes including profiling, building strong customer relationships, utilizing sales and customer service software, and participating in sales campaigns. Follows up with customers by phone or email., • Accurately opens, closes, and maintains customer accounts according to established policies and procedures. Understands material covered in Personal Banker training manuals., • Utilizes strong knowledge of Old Second products and services to advise new and existing customers of Old Second's comprehensive portfolio of banking options. Begins to learn and apply knowledge to more complicated retail products including IRAs and loans., • Maintains a high level of customer service to assist the branch in obtaining the highest customer service ratings, including internal survey results., • Utilizes cross training as a Teller to fill in as needed behind the Teller line to handle basic transactions including cashing checks, processing deposits and withdrawals, and adhering to processes and procedures including balancing drawer., • Maintain working knowledge of all internal and legislated compliance and regulations including satisfactory completion of all annual training., • Responsible for Operational Accuracy and Compliance (ex. Records, TD Ops, BSA/Fraud/CTR's, BAI, Signature Cards, CIP, Beneficial Ownership)., • Meets elevated sales and service goals through daily customer interactions and proactive sales opportunities., • Manages a book of Retail Banking clients by maintaining regular contact, advising on Personal Banking matters, and serving as a liaison to other business lines for their client base., • Meets elevated sales and service goals through daily customer interactions and proactive sales opportunities., • Proactively connects with prospects and clients in the pursuit of new and cross sales opportunities. Utilizes each client communication to deepen customer relationships and loyalty to bank., • Refers other lines of business, such as Wealth Management, Mortgage and Commercial. Universal Banker (Level 1): • High school diploma (or equivalent) and one year of related experience (banking, cash handling, customer service and/or sales, office, etc.); or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • High school diploma (or equivalent) and two years of related experience (banking, cash handling, customer service and/or sales, office, etc.); or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • High school diploma (or equivalent) and three or more years of related experience which includes some banking and/or sales, client relationship management, consultancy experience, or cash handling, or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • Must successfully complete Universal (Relationship) Banker Cross Training Development Plan curriculum (or equivalent experience)., • Demonstration of excellent customer service and professional communication., • Dedication to product promotion, sales referrals, and cross selling products/services., • Math and computer proficiency. Technical aptitude toward learning and utilizing bank software applications., • Basic understanding of banking, check processing, credits and debits., • Focus and organization during periods of high volume or interruption., • Reliable: dedication & commitment to work; follow-through on all tasks. Compensation & Benefits Universal Banker – Level 1 Base pay: $18.10 - $22.50/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Senior Universal Banker – Level 2 Base pay: $20.50 - $26.50/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Universal Relationship Banker – Level 3 Base pay: $22.55 - $29.00/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Benefits: How We Support You - Old Second Thanks for considering Old Second!

Job DescriptionBenefits: • 401(k), • 401(k) matching, • Company parties, • Dental insurance, • Flexible schedule, • Health insurance, • Opportunity for advancement, • Training & development Leverage Your Healthcare Background for a Rewarding Career: • Build Direct Client Relationships: Professionals from healthcare, whether it's pharma, medical, or clinical roles, are drawn to financial services because it allows them to work directly with clients, offering personalized advice rather than working through intermediaries., • Make a Meaningful Impact: Use your knowledge and experience in healthcare to guide clients through critical life stages. Whether its helping individuals plan for medical expenses, retirement, or higher education, your insights can help clients secure their financial futures and improve their lives., • Unlimited Growth Potential: As healthcare professionals understand the complexities of lifes important decisions, they know that each life stage brings new financial planning needs. Your ambition, dedication, and expertise will determine how far you can go in this fulfilling career. Meet Our Leaders: Bart Warren Regional Director, Bart Warren, with Modern Woodmen and has been in this role for 10 years. He began his career in the financial services industry 25 years ago, right out of college, after earning a Marketing and Sales degree from Northern Illinois University in 2000. Bart joined Modern Woodmen in 2009 and quickly moved into leadership. Outside of work, he enjoys coaching his children in travel baseball and softball. Hes been married to his wife for 22 years and is a big fan of the Chicago Cubs and Chicago Bears. In his free time, Bart also enjoys golfing, yardwork, and spending time with his two dogs and cat. Jill Hall Jill served as an Administrative Assistant with Modern Woodmen for 4 years. Before joining the team, she spent 27 years in the education field. Jill enjoys crafting, working in the yard, and cherishes time spent with her three daughters and extended family. Bryant Green Bryant is a Financial Representative in Modern Woodmens Managing Partner program and has been with the organization for nearly 2 years. He brings nearly 15 years of experience from the financial industry, having worked with credit unions and banks. Bryant is married with four children and enjoys coaching his kids in their activities as well as playing basketball in his free time. Lindsey White Lindsey is a first-year Financial Representative with Modern Woodmen and is already off to a strong start. Prior to joining, she had a successful career in commercial real estate with Coldwell Banker. Lindsey made the transition to build something meaningful and make a lasting impact in her community. She is married to her husband Ryan, has two young children, and enjoys gardening and spending time with family and friends. Benefits: • Competitive compensation range, • Opportunity for personal and professional growth, • Fraternal programs and activities to enhance quality family life, • Involvement in local volunteer projects and community impact, • Supportive and open communication culture, • Target Achievement: Meet or exceed business development goalsQualifications:, • Team-Oriented, • Enthusiastic, • Positive Attitude, • Self-Starter, • Community-Focused, • Coachable, • Athletic Background (bonus), • Military Background (bonus), • Goal-Driven, • Willingness to Obtain State Insurance License, • College Degree (preferred, not required)Role Responsibilities:, • Member Consultation: Meet with client members to assess their insurance needs and recommend appropriate coverage., • Customer Service: Provide exceptional customer service, addressing client inquiries and resolving issues promptly., • Networking: Build and maintain a network of client members through referrals, networking events, and community engagement., • Training and Development: Participate in ongoing training and professional development to stay current with industry changes and enhance sales skills. Deadline: Apply soon as this position will go fast. Flexible work from home options available.

Job Description Who We Are At Old Second, you're first! For more than 150 years, Old Second has consistently put businesses and individuals throughout the Chicago area first, and we're only getting started. With great employees we've grown from a single location in the back of a general store to 50 locations and over $6 billion dollars in assets. At Old Second we embrace values that foster an environment of community and growth. Recently, we've been voted a Forbes Best-In-State Bank for Illinois by our customers. Be a part of something big as we continue our growth story together! When you join Old Second, you'll gain more than just a job; you'll gain valuable professional experience and the support you need to build a career. Whether you are looking to start your journey in banking or elevate your expertise, we'd love to have you on the team. Position Overview The Universal Banker is highly visible and accessible to our customers, providing exceptional service and assisting customers with all of their banking needs. The Universal Banker performs front line customer service and sales including accurately opening and closing accounts, performing account maintenance, profiling customers for new sales and cross sell opportunities, and for performing basic Teller functions as needed. Essential Job Functions • Meets sales and service goals by actively engaging in Bank sales processes including profiling, building strong customer relationships, utilizing sales and customer service software, and participating in sales campaigns. Follows up with customers by phone or email., • Accurately opens, closes, and maintains customer accounts according to established policies and procedures. Understands material covered in Personal Banker training manuals., • Utilizes strong knowledge of Old Second products and services to advise new and existing customers of Old Second's comprehensive portfolio of banking options. Begins to learn and apply knowledge to more complicated retail products including IRAs and loans., • Maintains a high level of customer service to assist the branch in obtaining the highest customer service ratings, including internal survey results., • Utilizes cross training as a Teller to fill in as needed behind the Teller line to handle basic transactions including cashing checks, processing deposits and withdrawals, and adhering to processes and procedures including balancing drawer., • Maintain working knowledge of all internal and legislated compliance and regulations including satisfactory completion of all annual training., • Responsible for Operational Accuracy and Compliance (ex. Records, TD Ops, BSA/Fraud/CTR's, BAI, Signature Cards, CIP, Beneficial Ownership)., • High school diploma (or equivalent) and one year of related experience (banking, cash handling, customer service and/or sales, office, etc.); or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • Demonstration of excellent customer service and professional communication., • Dedication to product promotion, sales referrals, and cross selling products/services., • Math and computer proficiency. Technical aptitude toward learning and utilizing bank software applications., • Basic understanding of banking, check processing, credits and debits., • Focus and organization during periods of high volume or interruption., • Reliable: dedication & commitment to work; follow-through on all tasks, • Knowledge and compliance with bank rules and regulations., • Associate or bachelor's degree preferred., • Prior experience as a teller or personal banker. Base pay: $18.10 - $22.50/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Benefits: How We Support You - Old Second Thanks for considering Old Second!

Job Description This is an exciting opportunity for a Universal Banker II at our Westmont Banking Center. Job Summary Provide prompt, efficient and friendly service to ensure an excellent customer experience to all customers and employees. Acknowledges customers' needs with suggestions and referrals of appropriate Bank products and services. Perform all tasks accurately and efficiently while remaining in compliance with the established Bank policies and procedures. These individuals will need to be outgoing, sales oriented, flexible, adaptable and results driven. They must demonstrate the ability to work independently and with a team, make sound decisions and use critical thinking skills. Duties and Responsibilities • Performs all UB I duties at a proficient level including, but not limited to the following items:, • Processes all teller line transactions at a proficient level; including but not limited to accepting deposits and loan payments, verifying cash and endorsements, cashing checks, issuing official checks and potentially including providing overrides and approvals, • Counts and balances the cash drawer daily, taking proactive steps to identify and resolve discrepancies when the balance is off, • Follows BSA/AML/OFAC policies and/or procedures to report any suspicious activity, • Always maintain integrity, including keeping all Bank business and information confidential, • Opens new accounts for customers accurately and efficiently, • Handles more complex customer inquiries and requests, • Demonstrates strong sales skills. Routinely seeks to refer additional products when appropriate and documents referrals in Salesforce (includes referrals to other lines of business), • Moves seamlessly through the banking center acting in a variety of roles as necessary, • Adapts easily to meet all needs, • Participates in Bank and Team activities, • May seek additional responsibilities such as internal committee involvement or corporate initiatives, • May serve as backup to manager in their absence, • May possess ability to effectively mentor others Qualifications • High school diploma or its equivalent, • One year of retail banking experience required, • Six months of new account experience required, • Experience with Microsoft Office Suite required For over a century, Peoples Bank has served as a cornerstone of customer commitment, helping our communities thrive and continuously supporting our community members. Proudly bearing the Finward name as a Finward Company, our logo symbolizes our unwavering dedication to financial excellence, advanced technology, and elevating the customer journey. Headquartered in Munster, Indiana, Peoples Bank offers an extensive array of consumer, business, and wealth management solutions, alongside cutting-edge digital banking services. With 26 conveniently located Peoples Banking Centers spread across Northwest Indiana and Chicagoland, we uphold a tradition of delivering top-notch performance to our valued residents. At Peoples Bank, we are driven by a passion for fostering success within our customer base and communities. Anchored in our core values of Stability, Integrity, Community, and Excellence, we are committed to building strong partnerships with our customers and communities to help them achieve financial success. Through innovative engagement and technology, we ensure an exceptional customer experience at every turn. For more information on benefits visit the Careers page of our company website at . Peoples is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities. Equal Housing Lender/ Member FDIC Job Posted by ApplicantPro

Job Description Who We Are At Old Second, you're first! For more than 150 years, Old Second has consistently put businesses and individuals throughout the Chicago area first, and we're only getting started. With great employees we've grown from a single location in the back of a general store to 50 locations and over $6 billion dollars in assets. At Old Second we embrace values that foster an environment of community and growth. Recently, we've been voted a Forbes Best-In-State Bank for Illinois by our customers. Be a part of something big as we continue our growth story together! Position Overview The Universal Banker positions, levels I, II and III (Universal Banker, Senior Universal Banker and Universal Relationship Banker) are responsible for providing front line customer service and sales including accurately opening and closing accounts, performing account maintenance, profiling customers for new sales and cross sell opportunities, and for performing basic Teller functions as needed. Essential Job Function – all levels • Meets sales and service goals by actively engaging in Bank sales processes including profiling, building strong customer relationships, utilizing sales and customer service software, and participating in sales campaigns. Follows up with customers by phone or email., • Accurately opens, closes, and maintains customer accounts according to established policies and procedures. Understands material covered in Personal Banker training manuals., • Utilizes strong knowledge of Old Second products and services to advise new and existing customers of Old Second's comprehensive portfolio of banking options. Begins to learn and apply knowledge to more complicated retail products including IRAs and loans., • Maintains a high level of customer service to assist the branch in obtaining the highest customer service ratings, including internal survey results., • Utilizes cross training as a Teller to fill in as needed behind the Teller line to handle basic transactions including cashing checks, processing deposits and withdrawals, and adhering to processes and procedures including balancing drawer., • Maintain working knowledge of all internal and legislated compliance and regulations including satisfactory completion of all annual training., • Responsible for Operational Accuracy and Compliance (ex. Records, TD Ops, BSA/Fraud/CTR's, BAI, Signature Cards, CIP, Beneficial Ownership)., • Meets elevated sales and service goals through daily customer interactions and proactive sales opportunities., • Manages a book of Retail Banking clients by maintaining regular contact, advising on Personal Banking matters, and serving as a liaison to other business lines for their client base., • Meets elevated sales and service goals through daily customer interactions and proactive sales opportunities., • Proactively connects with prospects and clients in the pursuit of new and cross sales opportunities. Utilizes each client communication to deepen customer relationships and loyalty to bank., • Refers other lines of business, such as, Wealth Management, Mortgage and Commercial. Universal Banker (Level 1): • High school diploma (or equivalent) and one year of related experience (banking, cash handling, customer service and/or sales, office, etc.); or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • High school diploma (or equivalent) and two years of related experience (banking, cash handling, customer service and/or sales, office, etc.); or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • High school diploma (or equivalent) and three or more years of related experience which includes some banking and/or sales, client relationship management, consultancy experience, or cash handling, or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • Must successfully complete Universal (Relationship) Banker Cross Training Development Plan curriculum (or equivalent experience)., • Demonstration of excellent customer service and professional communication., • Dedication to product promotion, sales referrals, and cross selling products/services., • Math and computer proficiency. Technical aptitude toward learning and utilizing bank software applications., • Basic understanding of banking, check processing, credits and debits., • Focus and organization during periods of high volume or interruption., • Reliable: dedication & commitment to work; follow-through on all tasks Compensation & Benefits Universal Banker – Level 1 Base pay: $17.50 - $22.50/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Senior Universal Banker – Level 2 Base pay: $20.10 - $26.00/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Universal Relationship Banker – Level 3 Base pay: $22.00 - $28.00/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Benefits: How We Support You - Old Second Thanks for considering Old Second!

Job DescriptionDescription: TrustBank is seeking an enthusiastic and entrepreneurial team member for the new TrustBank in Wheaton, IL as we enter our third year of growth. We are a team with persuasive communication abilities, a positive and creative mindset, and intrinsic motivation that contributes passionately while embracing TrustBank’s vision, mission and core values. TrustBank was founded in 1912, and we have been “Growing Prosperity Together” ever since. Join a growing team of professionals and find a rewarding career at TrustBank. JOB TITLE: PERSONAL BANKER DEPARTMENT: WHEATON REPORTS TO: ASSISTANT VP- WHEATON MARKET FLSA STATUS: NON-EXEMPT TYPE OF POSITION: PART-TIME JOB SUMMARY Provide a high-touch approach to developing customer relationships. Offer a full range of banking services for individual customers and commercial clients as well as providing general internal support. The position is responsible for greeting customers, providing new accounts services, and cross-selling bank products and services. Address more complex customer needs with ease and confidence. Communicate effectively with current and prospective customers, providing exceptional customer service at all times. Project a professional image for TrustBank that encourages your network and the DuPage community to choose TrustBank. DUTIES AND RESPONSIBILITIES Provide Excellent Customer Service o Ensure that customers receive prompt and courteous service. o Opening new accounts and cross-sell products to customers to meet their needs. o Assist customers in meeting all account related needs. o Represent TrustBank at community functions and in your network to generate new relationships. Work with the team for friendly, efficient and accurate operation of the bank. o Answer phone inquiries. o Provide support to relationship officers. o Remain flexible to scheduling needs during all Wheaton location business hours. (M-F 8 AM - 6 PM) o Open and close bank when needed. o Assist with monthly reports. o Stay within compliance guidelines when opening and closing all accounts. o Attend bank meetings and educational seminars as required. o Teller functions as needed (approximately 5% of the role) o Support ancillary deposit operations across the bank at-large as assigned. o Perform other duties as assigned. WORKING CONDITIONS The position is a part-time position, working four days a week and 20 - 25 hours per week. Work schedule may vary to support the mid-morning to mid-afternoon operating hours of the bank Monday – Friday. However, there may be times when the operating needs may require branch opening or closing support. The position may include occasional attendance at banking functions and networking events outside of regular business hours. Interacting with customers and prospects. The noise level in the environment is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms and talk or hear. Ability to lift 25-pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. TRUSTBANK CORE VALUES Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. COMPENSATION AND BENEFITS Compensation for this position is $24.00 - $29.00/hour and detail any bonus or incentives. TrustBank provides a generous benefits offering and details may be found on our bank’s website: DISCLOSURES TrustBank recognizes that people are our bank’s strength, and we place a high value on diversity and inclusion. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization. Equal Opportunity Employer/Disability/Veterans Updated February 12, 2026 Requirements: EDUCATION and/or EXPERIENCE Must have high school education and be able to master on-the-job training requirements. Associates degree or higher is a plus. A minimum of two years banking experience is required. Banking certifications are ideal but not necessary. REQUIRED SKILLS AND ABILITIES Experience in customer sales, relationship management, and cross selling skills are desired. Must be proactive, able to develop product and compliance knowledge, have problem solving skills, and work collaboratively. The ability to perform detailed work with accuracy and cash handling skills are essential. Must have the ability to articulate financial concepts to customers and answer questions they may have. High level knowledge of mortgage and lending products and services and wealth management services offered by the bank. TECHNICAL SKILLS Ability to use computer for data entry, word processing, MSOffice, and may be assigned Excel spreadsheet work. Knowledge and ability to learn the bank’s data processing system. Use of personal computer, calculator, telephone, shredder, scanner/copier, and other general office equipment.

Job Description Who We Are At Old Second, you're first! For more than 150 years, Old Second has consistently put businesses and individuals throughout the Chicago area first, and we're only getting started. With great employees we've grown from a single location in the back of a general store to 50 locations and over $6 billion dollars in assets. At Old Second we embrace values that foster an environment of community and growth. Recently, we've been voted a Forbes Best-In-State Bank for Illinois by our customers. Be a part of something big as we continue our growth story together! Position Overview The Universal Banker positions, levels I, II and III (Universal Banker, Senior Universal Banker and Universal Relationship Banker) are responsible for providing front line customer service and sales including accurately opening and closing accounts, performing account maintenance, profiling customers for new sales and cross sell opportunities, and for performing basic Teller functions as needed. Essential Job Function – All levels • Meets sales and service goals by actively engaging in Bank sales processes including profiling, building strong customer relationships, utilizing sales and customer service software, and participating in sales campaigns. Follows up with customers by phone or email., • Accurately opens, closes, and maintains customer accounts according to established policies and procedures. Understands material covered in Personal Banker training manuals., • Utilizes strong knowledge of Old Second products and services to advise new and existing customers of Old Second's comprehensive portfolio of banking options. Begins to learn and apply knowledge to more complicated retail products including IRAs and loans., • Maintains a high level of customer service to assist the branch in obtaining the highest customer service ratings, including internal survey results., • Utilizes cross training as a Teller to fill in as needed behind the Teller line to handle basic transactions including cashing checks, processing deposits and withdrawals, and adhering to processes and procedures including balancing drawer., • Maintain working knowledge of all internal and legislated compliance and regulations including satisfactory completion of all annual training., • Responsible for Operational Accuracy and Compliance (ex. Records, TD Ops, BSA/Fraud/CTR's, BAI, Signature Cards, CIP, Beneficial Ownership)., • Meets elevated sales and service goals through daily customer interactions and proactive sales opportunities., • Manages a book of Retail Banking clients by maintaining regular contact, advising on Personal Banking matters, and serving as a liaison to other business lines for their client base., • Meets elevated sales and service goals through daily customer interactions and proactive sales opportunities., • Proactively connects with prospects and clients in the pursuit of new and cross sales opportunities. Utilizes each client communication to deepen customer relationships and loyalty to bank., • Refers other lines of business, such as Wealth Management, Mortgage and Commercial. Universal Banker (Level 1): • High school diploma (or equivalent) and one year of related experience (banking, cash handling, customer service and/or sales, office, etc.); or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • High school diploma (or equivalent) and two years of related experience (banking, cash handling, customer service and/or sales, office, etc.); or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • High school diploma (or equivalent) and three or more years of related experience which includes some banking and/or sales, client relationship management, consultancy experience, or cash handling, or equivalent combination of education and experience., • Must become licensed with NMLS registration within 60 days of assuming role and meet Bank training requirements., • Must successfully complete Universal (Relationship) Banker Cross Training Development Plan curriculum (or equivalent experience)., • Demonstration of excellent customer service and professional communication., • Dedication to product promotion, sales referrals, and cross selling products/services., • Math and computer proficiency. Technical aptitude toward learning and utilizing bank software applications., • Basic understanding of banking, check processing, credits and debits., • Focus and organization during periods of high volume or interruption., • Reliable: dedication & commitment to work; follow-through on all tasks. Compensation & Benefits Universal Banker – Level 1 Base pay: $18.10 - $22.50/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Senior Universal Banker – Level 2 Base pay: $20.50 - $26.50/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Universal Relationship Banker – Level 3 Base pay: $22.55 - $29.00/hour. Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Variable pay: Eligible to participate in the Retail Incentive Plan. Payment varies based upon sales performance. Benefits: How We Support You - Old Second Thanks for considering Old Second!

Job DescriptionBenefits: • 401(k), • 401(k) matching, • Company parties, • Dental insurance, • Flexible schedule, • Health insurance, • Opportunity for advancement, • Training & development About Modern Woodmen of America: Modern Woodmen is about people. Created for our members. Owned and operated by them too. Together, were here for each other, for our families and for the communities we love. We are a member-owned fraternal financial services organization. Together with over 700,000 members, weve been touching lives and securing futures since 1883. Modern Woodmen's financial strength is anchored in a robust asset base of $17.14 billion. Guided by a prudent investment philosophy, the organization focuses on high-quality, diversified investments with high industry ratings from A.M. Best and KBRA. With a surplus of $2.42 billion and a solvency ratio of 116.41%, Modern Woodmen is committed to ensuring additional protection for its members, affirming its dedication to long-term financial stability. The Backbone of Our Success, Our Local Leaders: Bart Warren Regional Director, Bart Warren, with Modern Woodmen and has been in this role for 10 years. He began his career in the financial services industry 25 years ago, right out of college, after earning a Marketing and Sales degree from Northern Illinois University in 2000. Bart joined Modern Woodmen in 2009 and quickly moved into leadership. Outside of work, he enjoys coaching his children in travel baseball and softball. Hes been married to his wife for 22 years and is a big fan of the Chicago Cubs and Chicago Bears. In his free time, Bart also enjoys golfing, yardwork, and spending time with his two dogs and cat. Jill Hall Jill served as an Administrative Assistant with Modern Woodmen for 4 years. Before joining the team, she spent 27 years in the education field. Jill enjoys crafting, working in the yard, and cherishes time spent with her three daughters and extended family. Bryant Green Bryant is a Financial Representative in Modern Woodmens Managing Partner program and has been with the organization for nearly 2 years. He brings nearly 15 years of experience from the financial industry, having worked with credit unions and banks. Bryant is married with four children and enjoys coaching his kids in their activities as well as playing basketball in his free time. Lindsey White Lindsey is a first-year Financial Representative with Modern Woodmen and is already off to a strong start. Prior to joining, she had a successful career in commercial real estate with Coldwell Banker. Lindsey made the transition to build something meaningful and make a lasting impact in her community. She is married to her husband Ryan, has two young children, and enjoys gardening and spending time with family and friends. Why Choose Modern Woodmen of America: • Culture of Excellence: Join a community where team victories are celebrated, individual success is supported, and meaningful impact is made in the communities we serve., • Growth Through Leadership: Play a key role in recruiting, training, and developing financial representatives, while building your own skills as a leader., • Top-Notch Training: Access proven business plans, mentorship, and tools to succeed from day one., • Exceptional Earning Potential: Achieve financial success and career advancement while helping others do the same., • Provide tailored financial solutions to meet the needs of our members, • Build and maintain strong relationships within the community, • Engage in community service and outreach programs, • Support the growth and development of the local office under the guidance of our local teamPerks/Benefits:, • Starting income ranging from $97K to $192K+, commensurate with experience. Ability to far exceed this range if your competitive drive compels you to reach higher., • Resources aligned to support you to recruit, train and develop the team of talented professionals, • Exclusive training/development with the financial services professional supporting you, • An environment and culture of mutual support and growth, • Attainment of prestigious credentials and recognition, • Consistent opportunities for growing your income and character, • Strong benefits and retirement package, • Dental, health, and vision insurance, • Flexible schedule, • Life insurance, • Professional development assistance, • Referral programWe have a willingness to consider a significant investment to support the transition of the right individual to fill this role and invest in their growth. Next Steps: If you are an individual with a strong community connection, exceptional interview skills, and a passion for making a positive impact, we invite you to join Modern Woodmen of America as our next top Financial Professional. Help us ease financial burdens for families and contribute to the growth and success of the region. Flexible work from home options available.

Job Description Who We Are At Old Second, you're first! For more than 150 years, Old Second has consistently put businesses and individuals throughout the Chicago area first, and we're only getting started. With great employees we've grown from a single location in the back of a general store to 50 locations and over $6 billion dollars in assets. At Old Second we embrace values that foster an environment of community and growth. Recently, we've been voted a Forbes Best-In-State Bank for Illinois by our customers. Be a part of something big as we continue our growth story together! What Makes You a Great Fit You are an undergraduate college-level student who is interested in gaining financial and operational experience in a Community Bank environment. You are willing to work onsite to learn from field experts and gain valuable exposure to bank operations and financial processes. What we Offer This is a paid internship. You will gain first-hand knowledge within your area of interest, which may include: • Exposure to high-net-worth clients and prospects, • Development of communication and presentation skills within a professional work environment, • A thorough understanding of bank policies and external regulatory requirements. Base pay: $20.00/hour Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Benefits Interns working a fifteen-week assignment (or less) will accrue two days of PTO and will receive holiday pay. Minimum Qualifications • Must have a high school diploma or equivalent and be in pursuit of an undergraduate college degree, as follows:, • Currently enrolled in college; or, • Enrolled in college for Fall 2026; or, • College graduate between May 2025 – June 2026, • Must have reliable transportation and be able to work onsite. Onsite locations depend on the department. Common onsite locations include Downers Grove, Oakbrook, Aurora and Chicago-Wacker., • Must be available to work 20-40 hours per week and be available to start late May/early June through the end of July/early August., • Proficient in using Window 2010 Office software with intermediate skills in Word, Excel and PowerPoint., • High degree of accuracy and attention to detail., • Ability to work in a fast-paced environment; prioritizing work and multi-tasking. Commercial Banking at Old Second focuses on offering business customers lending, banking and treasury management solutions for their business. Our business customers span from small to middle market businesses with commercial credits under $1m and up to $30m or more. We offer business loans, Commercial & Industrial lending, Investment Real Estate, and some Specialty lending. The Commercial Banking - Credit & Portfolio Management Intern will be responsible for learning and participating in all aspects of the Commercial loan lifecycle. The intern will spend time in three departments including Commercial Credit, Commercial Banking, and Loan Operations. The intern will have an opportunity to learn and participate in the following. • Rotate within the Commercial Credit department whose primary responsibility is to structure, underwrite and mitigate risk in lending. The intern will perform functions utilized to make decisions on credit structure and risk, as follows:, • Spread customer financial statements, assess risk ratings, participate in preparation of exception reports and comply with company and regulatory guidelines., • Assist Commercial Bankers with renewals and portfolio management; perform loan covenant testing., • Review and underwrite basic commercial credits; produce thorough and accurate packages that include all relevant risk, trends and industry information., • Review and manage commercial loan collateral., • Review and understand real estate and other property appraisals and their bearing on the loan structure and risk., • Rotate within the Commercial Banking department whose purpose is to prospect for new business, build commercial relationships, manage a business portfolio and advise customers of lending and banking products that best support their business. The intern will:, • Review and understand client base and portfolio, • Review and collect supporting loan documentation required to originate/renew a loan. This may include:, • Coordinate documents to ensure proper documentation is gathered for new loans, renewals, and covenant monitoring. This includes ordering third party due diligence reports (flood certificate, certificate of good standing, suits liens and judgements, etc.) as required for loan underwriting., • Run and track key reports to identify and follow up on past dues, renewals, and other actionable account data., • Assist Commercial Bankers with their financial tracking items, collecting the document from the customer or lender, uploading the document to Onbase and adjusting the tracking date., • Attend banker calls, loan closings, portfolio management, etc., • Attend Loan Committee meeting, • Attend networking events with Banker,, • Learn and review Portfolio Management issues including outstanding financial exceptions. Participate in crafting letters to obtain necessary financials, • Validate and update ticklers in core related to insurance exceptions., • Process payments, maintenance, and payoff funds., • Request documents loan officers, or third-party vendors for outstanding items., • Insurance tracking/ contact insurance companies for updated insurance., • Research tax status on collateral property., • Send notification letters to customers.

Job DescriptionBenefits: • 401(k), • 401(k) matching, • Company parties, • Dental insurance, • Flexible schedule, • Health insurance, • Opportunity for advancement, • Training & development The Warren Region is driven by a clear mission: to select, train, and develop high-caliber individuals who have an developmental spirit and a desire to make a meaningful impact in their communities. We focus on helping representatives build thriving financial services practices through collaboration, authentic relationship-building, and leadership development. Whether it's guiding members toward financial security or mentoring new representatives, our commitment to growth is unwavering. We've qualified for the National Sales Conference 10 years in a row and continue striving toward additional development awards as we expand. Passionate about community impact, we proudly support organizations like Niks Wish Foundation, the Baxa Foundation, Enlase, OBSA, Montessori Schools, the American Heart Association, and local food pantries and shelters. Our vision is to grow a purpose-driven team that leads with integrity, serves with heart, and improves livesboth inside and outside the office. Watch this short video to see how sharing meaningful momentsboth personal and professionalcan transform perspectives on a career in financial services with Modern Woodmen of America: About Modern Woodmen: Modern Woodmen is about people. Created for our members. Owned and operated by them too. Together, were here for each other, for our families and for the communities we love. We are a member-owned fraternal financial services organization.Together with over 700,000 members, weve been touching lives and securing futures since 1883. Modern Woodmen's financial strength is anchored in a robust asset base of $17.14 billion. Guided by a prudent investment philosophy, the organization focuses on high-quality, diversified investments with high industry ratings from A.M. Best and KBRA. With a surplus of $2.42 billion and a solvency ratio of 116.41%, Modern Woodmen is committed to ensuring additional protection for its members, affirming its dedication to long-term financial stability. Check out the varying backgrounds of some of our local leaders: Bart Warren Regional Director, Bart Warren, with Modern Woodmen and has been in this role for 10 years. He began his career in the financial services industry 25 years ago, right out of college, after earning a Marketing and Sales degree from Northern Illinois University in 2000. Bart joined Modern Woodmen in 2009 and quickly moved into leadership. Outside of work, he enjoys coaching his children in travel baseball and softball. Hes been married to his wife for 22 years and is a big fan of the Chicago Cubs and Chicago Bears. In his free time, Bart also enjoys golfing, yardwork, and spending time with his two dogs and cat. Jill Hall Jill served as an Administrative Assistant with Modern Woodmen for 4 years. Before joining the team, she spent 27 years in the education field. Jill enjoys crafting, working in the yard, and cherishes time spent with her three daughters and extended family. Bryant Green Bryant is a Financial Representative in Modern Woodmens Managing Partner program and has been with the organization for nearly 2 years. He brings nearly 15 years of experience from the financial industry, having worked with credit unions and banks. Bryant is married with four children and enjoys coaching his kids in their activities as well as playing basketball in his free time. Lindsey White Lindsey is a first-year Financial Representative with Modern Woodmen and is already off to a strong start. Prior to joining, she had a successful career in commercial real estate with Coldwell Banker. Lindsey made the transition to build something meaningful and make a lasting impact in her community. She is married to her husband Ryan, has two young children, and enjoys gardening and spending time with family and friends. Role Responsibilities: • Member Consultation: Meet with client members to assess their insurance needs and recommend appropriate coverage., • Customer Service: Provide exceptional customer service, addressing client inquiries and resolving issues promptly., • Networking: Build and maintain a network of client members through referrals, networking events, and community engagement., • Training and Development: Participate in ongoing training and professional development to stay current with industry changes and enhance sales skills., • Target Achievement: Meet or exceed business development goals.Perks/Benefits:, • Strong Income Opportunity., • Potential to earn client member leads., • Once you reach our qualification standards we will consider allocating resources to support you to recruit, train and develop your own team of talented professionals., • Exclusive training/development with the financial services professional supporting you., • An environment and culture of mutual support and growth., • Attainment of prestigious credentials and recognition., • Consistent opportunities for growing your income and character., • Strong benefits and retirement package., • Dental, health, and vision insurance, • Flexible schedule, • Life insurance, • Professional development assistance, • Referral programQualifications:, • Team-Oriented, • Enthusiastic, • Positive Attitude, • Self-Starter, • Community-Focused, • Coachable, • Athletic Background (bonus), • Military Background (bonus), • Goal-Driven, • Willingness to Obtain State Insurance License, • College Degree (preferred, not required) If you're ready to unleash your competitive drive and embark on a career that changes lives, join our team. Flexible work from home options available.

Application Deadline: 02/27/2026 Address: 522 W Roosevelt Road Job Family Group: Retail Banking Sales & Service Delivers exceptional service to BMO customers and prospects. Identifies customer needs and provides advice and guidance regarding financial solutions that are in the best interests of customers. Works collaboratively within the branch and through various channels with BMO partners to deliver the desired customer experience and achieve overall business objectives. • Takes a lead in proactively engaging with existing customers and prospects by providing needs-based assessments to grow loyalty and identify immediate / future opportunities., • Engages customers to complete needs assessments that identify financial solutions and preferred banking channels while recommending tailored solutions addressing both sales and service needs (e.g. everyday banking, retail investments, lending solutions, home financing (including business-for-self applications)), and small business solutions)., • Offers clients advice and guidance on available digital and self-serve options with the goal of making banking easy, simple, and fast., • Supports customer transactions needs based on customer traffic., • Engages customers to grow BMO’s business by reaching out, generating appointments, and building new relationships within the community., • Addresses questions and resolves issues raised through consumer credit audits and quality checks to ensure accurate data entry and lending application recommendations in compliance with legal and regulatory requirements and lending policies and processes., • Applies the risk management framework to the portfolio to protect the Bank's assets and maintain the quality of the lending portfolio in compliance with requirements for the lending process and established yield, quality, diversification, and risk guidelines., • Makes credit recommendations for personal lending transactions, including home financing, in accordance with sound credit granting principles and with the Bank’s policies and procedures., • Acts as a key member of a collaborative and versatile branch and market team., • Probes to understand customer personal banking and credit card needs and integrates marketing promotions and programs into customer conversations to provide strategic advice., • Organizes work information to ensure accuracy and completeness., • Takes the initiative to find creative approaches that make each customer’s experience feel personal., • Looks for ways to contribute to the ongoing improvement of the overall customer experience., • Contributes to business results and the overall experience delivered., • May work at multiple branches or through various channels based on market needs; work schedule may differ from week to week in terms of days worked, hours, and shifts., • Follows through on risk and compliance processes and policies to ensure we safeguard our customers’ assets, maintain their privacy, and act in their best interest., • Keeps current with the wider financial services marketplace, the legal and regulatory environment, and our commitment to uphold the highest ethical requirements of our industry., • Maintains current knowledge of personal banking products, practices, and trends and integrates into customer conversations., • Identifies and reports suspicious patterns of activity that are suspected to be related to money laundering., • Complies with legal and regulatory requirements for the jurisdiction., • Protects the Bank's assets in compliance with all regulatory, legal, and ethical requirements., • Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees., • Analyzes issues and determines next steps., • Typically between 2 - 3 years of relevant experience and post-secondary degree in related field of study desirable or an equivalent combination of education and experience., • Canada only: Registration to sell investment products completed - as appropriate for the jurisdiction., • Appropriate lending qualifications and designations., • Working knowledge of personal and small business customer needs and solutions., • Working knowledge of retail investments and lending products., • Experience in financial services is an asset., • Confident and experienced in the use of social media, tablets, Smart phones, online tools, and applications., • Experience in a consultative customer service or sales role, with a drive to deliver a personal customer experience., • Passionate commitment to helping our customers., • Drive to deliver a personal customer experience., • A focus on results and the ability to thrive in a consultative sales and team-based environment., • Resourceful self-starter with courage and confidence to approach customers., • Readiness to collaborate and work in different capacities as part of a team., • Strong interpersonal skills, including the ability to build rapport and connections with customers., • An aptitude for listening, solving problems, and responding flexibly and creatively to new challenges., • Specialized knowledge., • Verbal & written communication skills - Good., • Organization skills - Good., • Collaboration & team skills - Good., • Analytical and problem solving skills - Good. U.S. Only: This position will act as an originator of consumer loans as defined by Regulation Z, Regulation G, and the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). This position will require a Federal registration with the Nationwide Mortgage Licensing System and Registry. The Bank will instruct you on the registration requirements needed to comply with this requirement. A criminal background review and credit history evaluation will be required for this position as well as restrictions on performing in a real estate agent capacity. Salary: $41,714.00 - $69,000.00 Pay Type: Salaried The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: ___ About Us At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset. To find out more visit us at ___ BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to ___ and let us know the nature of your request and your contact information. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

I, II and III (Universal Banker, Senior Universal Banker and Universal Relationship Banker). Additional Responsibilities/Focus of Universal Relationship Banker (Level 3):. In some cases, an incumbent may meet the requirements of a level 2 or 3 Universal Banker role but may be hired in at a lower lev

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