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Job Title: Project Manager – IT (Mortgage & Insurance Domain) Department: Information Technology Experience: 10+ Years (Minimum 3+ Years Leading IT Programs) Position Overview We are seeking an experienced Project Manager with strong expertise in Mortgage, Insurance, and Financial Services to lead planning, execution, and delivery of multiple IT programs across diverse applications. The ideal candidate is highly proficient in Agile and Scrum methodologies, stakeholder management, risk escalation, and executive reporting. This role requires a self-driven leader who can manage complex initiatives, drive accountability, and deliver measurable business value. Vendor / SI Experience: We are seeking a candidate with a strong background in enterprise client management, change management, and vendor/IT services experience. The ideal candidate must have worked with IT services firms, system integrators (SI), or vendor organizations supporting end clients, preferably in a consultative or partner-facing capacity. They will have successfully led strategic initiatives, worked closely with large accounts, and driven outcomes in complex environments. Key Responsibilities - • Program & Project Leadership, • Agile & Scrum Execution, • Stakeholder & Client Management, • Reporting & Governance, • Resource & Team Management, • Continuous Improvement Required Qualifications • Minimum 10+ years of IT experience, with 3+ years leading multiple IT programs., • Strong domain expertise in Mortgage, Insurance, and Financial Services., • Deep understanding of Agile, Scrum, and Kanban methodologies., • Expert-level experience with JIRA (boards, dashboards, reporting)., • Strong risk management and escalation experience., • Experience handling multiple projects across diverse applications., • Advanced proficiency in Microsoft Excel and PowerPoint., • Excellent written and verbal communication, stakeholder management, and executive presentation skills. Preferred Qualifications • PMP, CSM, or SAFe certification preferred., • Experience in enterprise-scale digital transformation initiatives., • Exposure to regulatory and compliance requirements within Financial Services. Key Competencies • Leadership & Accountability, • Change Management, • Strategic Thinking, • Risk & Issue Management, • Client Engagement, • Analytical & Reporting Skills, • Collaboration & Teamwork, • Innovation & Value-Driven Delivery, • Self-Motivated & Positive Attitude

Eighty years in, BankSouth is stronger than ever. What started as a single community bank has grown into a trusted name across Georgia — and our mortgage operation is expanding right alongside it. We're looking for a Compliance Officer who shares our commitment to doing things the right way and is ready to lead at a company where that commitment isn't just a tagline — it's how we've lasted eight decades. WHY THIS ROLE This isn't a box-checking compliance job. As the day-to-day leader of BankSouth Mortgage's compliance program, you'll have a meaningful impact — shaping policy, advising senior leadership, presenting to the Board, and building a compliance culture across a fast-moving mortgage operation. You'll operate independently under a risk-based approach, report directly to the Chief Compliance and Risk Officer, chair the Mortgage Compliance Committee, and manage a team alongside the Compliance Manager. If you want a role where your judgment matters and your work is visible at every level of the organization, this is it. WHAT YOU'LL DO Compliance Management System • Build, maintain, and evolve CMS policies and procedures to prevent illegal, unethical, or improper conduct., • Run day-to-day CMS operations — continuously monitor performance and drive improvements in efficiency and effectiveness., • Proactively identify compliance vulnerabilities and risks; develop corrective action plans, report testing results to senior management, and provide compliance risk guidance., • Conduct annual compliance and fair lending risk assessments to evaluate the organization's risk profile and prioritize activities. Board & Executive Reporting • Deliver regular and ad hoc reports to the Board, Chief Compliance and Risk Officer, and senior management on compliance operations and progress. Fair Lending & HMDA • Monitor business processes and HMDA data to identify fair lending issues; recommend changes to programs and processes as needed., • Coordinate fair lending analyses using nContracts and other tools., • Manage the full HMDA lifecycle — system setup, file testing, corrections, and timely filing. Oversee quarterly data reviews, investigate discrepancies, and implement LOS enhancements to improve data integrity., • Oversee underwriting exception monitoring for proper tracking, trend identification, and fair lending implications. Marketing Compliance • Serve as the subject matter expert on compliance for all marketing channels — social media, email, website, print, and co-marketing., • Review marketing content for accuracy, clarity, and required disclaimers., • Ensure compliance with UDAAP, TILA, RESPA, CAN-SPAM, Fair Lending, Privacy, and FCRA in all marketing and advertising., • Oversee LEP advertising, joint marketing, and lead purchase compliance., • Manage compliance oversight of Marketing Services Agreements (MSAs), including valuations, terms, training, and exception requests. Fraud & Suspicious Activity • Serve as the mortgage company's point person for suspicious activity reviews; conduct initial reviews and escalate to the BSA Officer., • Stay current on fraud trends and proactively train staff., • Oversee OFAC, Exclusionary List, and identity verification procedures. Training • Manage the compliance training program: set the annual calendar based on risk and regulatory requirements, create and evaluate content, and enforce completion deadlines., • Coordinate with HR and the training department to ensure effective onboarding and ongoing training for all employees and managers. Audits & Regulatory Exams • Serve as the primary contact for regulators and auditors; coordinate documentation gathering and fulfillment of all requests., • Develop action plans in response to findings, oversee implementation, and report remediation progress to the Audit Committee. Committee Leadership & Participation • Chair the BankSouth Mortgage Compliance Committee, including agenda and minutes preparation., • Serve on the CRA Committee, Secondary Marketing Risk Management Committee, and New Products Committee., • Participate in Quality Control meetings to review compliance defects and identify systemic issues requiring corrective action., • Lead compliance evaluation of all new products and initiatives — assess impacts on system configuration, disclosures, workflows, and risk assessments. People Management • Manage, evaluate, train, and retain Compliance department personnel; share oversight of two direct reports., • Regularly assess department needs and staff effectiveness. Additional Responsibilities • Serve as the go-to resource for employee compliance questions — disclosures (TRID, e-sign, borrower-facing documents), regulatory interpretation, and day-to-day guidance., • Partner with management across the organization to guide compliance policy decisions; collaborate cross-departmentally to address and resolve issues., • Oversee complaint management — ensure timely responses, review logs for completeness, and personally handle fair lending, compliance, and high-risk complaints., • Ensure loan originator compensation procedures comply with regulations, including drafting/reviewing compensation agreement language and advising on permissible structures. Coordinate with legal counsel as needed., • Oversee CRA services data collection for the mortgage company., • Conduct or coordinate reviews to monitor compliance., • Perform other duties as assigned. WHAT YOU BRING Experience & Education • Bachelor's degree or equivalent, plus relevant mortgage industry experience., • Minimum 5 years of compliance experience with at least 2 years in mortgage lending — OR — minimum 5 years of mortgage banking experience with at least 2 years in a compliance role., • Compliance certification preferred: CRCM, CCBCO, or CMCP. Technical Skills • Encompass LOS — Proficient in navigation, custom pipelines/reports, eFolder, and resolving compliance-related LOS issues (points & fees calculations, Mavent results)., • Microsoft Excel — Advanced skills including formulas, filtering, VLOOKUPs, and charts for data analysis., • AI Proficiency — Ability to leverage AI tools strategically to improve efficiency, streamline workflows, and enhance compliance work product., • Systems & Technology — High-level understanding of how data flows between platforms and how system configurations impact compliance outcomes., • Adaptability — Demonstrated ability to quickly learn new software, systems, and technologies., • Marketing Platforms — Familiarity with social media, email marketing tools, and digital channels used by loan officers. Regulatory Expertise • Strong understanding of how CMS components — policies, training, monitoring, complaints, and audit coordination — work together as an integrated program., • TRID (TILA-RESPA Integrated Disclosure), • ECOA / Fair Lending, • HMDA, • HOEPA / HPML, • RESPA, • SAFE Act, • Flood Insurance, • Privacy (GLBA), • ATR / Qualified Mortgage, • CRA, • UDAAP, • CAN-SPAM, • FCRA, • Mortgage Servicing Rules Leadership & Professional Skills • Proven leadership in a fast-paced, deadline-driven environment with the ability to juggle multiple priorities based on risk and urgency., • Thorough understanding of mortgage banking processes, controls, and operations., • Openness to rethinking existing processes and a creative approach to building more efficient compliance workflows., • Proven ability to lead projects and initiatives to planned results. WHO YOU ARE • Independent & Principled — You provide objective compliance guidance with conviction, even when it challenges the desired outcome. You approach every situation as a problem-solver, finding compliant paths forward while setting firm boundaries when necessary., • An Exceptional Communicator — You tailor your message to the audience, from Board presentations to hallway conversations with loan officers. You know when a high-level summary works and when the details matter., • A Natural Teacher — You translate complex regulations into practical, understandable guidance and build training that drives real behavioral change., • Collaborative & Diplomatic — You work effectively with regulators, auditors, senior leadership, and staff across all departments with courtesy, tact, and professionalism., • Discreet — You handle confidential matters — suspicious activity reviews, complaints, personnel issues — with the highest level of discretion. WORK ENVIRONMENT & REQUIREMENTS • Primarily sedentary work in a climate-controlled office with moderate noise; occasional lifting up to 25 lbs., • Routine computer work averaging 6–8 hours per day; standard office equipment use., • Extended hours as required by management., • Must work independently and as part of a team, managing multiple priorities with composure under deadline pressure., • Must deal professionally with diverse personalities at all levels inside and outside the organization. WHY YOU WILL LOVE IT HERE BankSouth doesn't just talk about taking care of people — we prove it. Our team enjoys 100% company-paid healthcare, a generous PTO plan, competitive compensation and incentives, and yes, free lunch on Fridays. But what keeps people here is the culture: a place where your work matters, your voice is heard, and your growth is invested in. Ready to see what 80 years of doing things right looks like from the inside? Apply today at BankSouth.com.

🏡 Director / Manager, HELOC & Consumer Lending (Build & Lead Team) 📍 Atlanta, GA or Charlotte, NC 💼 Full-Time | Leadership Opportunity About the Opportunity We are building a new HELOC and consumer lending platform focused on financing large home improvement projects (kitchens, additions, pools, major renovations). This is a high-impact leadership role where you will build and lead a team of Mortgage Loan Officers (MLOs) while helping shape the strategy, structure, and compliance framework of a fast-growing lending channel. This is not a traditional MLO role — you will operate in a model similar to fintech POS lenders (e.g., GreenSky), where loan opportunities are sourced and pre-qualified by a national sales team, allowing your team to focus on closing, compliance, and execution rather than self-generating leads. What You’ll Do • Build, hire, and lead a team of Mortgage Loan Officers focused on HELOC, cash-out refinance, and consumer lending products, • Establish processes, workflows, and best practices for a new lending channel, • Ensure adherence to regulatory, compliance, and lending standards, • Partner closely with an internal sales organization that provides pre-qualified, in-home customer leads, • Drive performance across key metrics including conversion, funding volume, and customer experience, • Coach and mentor MLOs to maximize performance in a non-traditional, high-volume lead environment, • Help define and evolve the company’s home improvement financing strategy What Makes This Different • ✅ No self-sourcing required – leads are already generated and sold by a national salesforce, • ✅ Blend of mortgage + fintech / point-of-sale lending, • ✅ Opportunity to build a team from the ground up, • ✅ Focus on larger loan sizes and major home improvement projects, • ✅ High visibility role with direct impact on business growth What We’re Looking For • Proven experience in mortgage lending, including HELOCs, refinance, and/or cash-out products, • Active NMLS license (multi-state preferred: CO, FL, AZ, KS, AL, KY), • Leadership experience — team lead, manager, or building teams from scratch, • Strong understanding of lending compliance, regulations, and operational workflows, • Experience in high-volume production environments, • Bonus: Background in fintech, POS lending, or home improvement financing (GreenSky, Synchrony, Service Finance, etc.) Location • Preferred: Atlanta, GA or Charlotte, NC, • Relocation assistance available Who This Role is Ideal For • A top-producing MLO ready to step into leadership, • A current team lead/manager looking to build something from the ground up, • A lending professional interested in the future of mortgage + fintech convergence

Appraisal Analyst – HELOC’s and Mortgage Fulltime In the Appraisal Analyst role, you will review the Desktop Exterior and Desktop Interior assessments to evaluate and sign off on a property’s valuation for a large bank in the US. When taking a decision about a property’s valuation, you will ensure compliance with Federal/State laws to ensure that loans that are secured with real estate are protected with adequate collateral value. In the role of Process Specialist, you will execute transactions as per prescribed guidelines and timelines, review and validate the inputs from the other team members, support your manager in training activities, daily operations reviews, and help in escalation resolution with the objective to meet service level agreement targets for the specific process within the guidelines, policies, and norms of Infosys. Responsibilities and Duties Responsible for reviewing property valuations to ensure compliance with Federal/state law to ensure that loans secured with real estate and protected with adequate collateral value. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. • Successfully use critical thinking and analytical skills to review collaterals, • Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their collateral requirements., • Obtain required collateral documentation per program requirements from internal clients, external clients, vendors, and third-party sources., • Perform a detailed review of all collateral documentation to ensure that loans meet portfolio and investor guidelines., • Identify and escalate collateral issues to the appropriate teammate for further evaluation., • Consistently communicate with other departments and sales to ensure pipeline metrics and quality guidelines are met., • Adhere to all compliance regulations and controls., • Develop and maintain positive working relationships with co-workers, internal and external clients, business partners, and vendors. Qualifications Basic • High School Diploma or GED equivalent, • At least 2 years of relevant work experience Qualifications Preferred The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. • Two to three years of mortgage or consumer lending experience, • Two to three years of continuous collateral review and approval experience, • Excellent Communication skills, both written and verbal, in relating to internal and external clients, • Demonstrates proficiency in basic computer applications such as Microsoft Office software product, • Understanding of appraisal compliance and generally accepted appraisal rules, • Experience with using appraisal and market evaluation tools, • Demonstrates proficiency in mortgage automated processing systems, • Basic knowledge of bank services and products Note: Applicants for employment in the U.S. must possess work authorization, which does not require sponsorship by the employer for a visa (H1B or otherwise). The job entails sitting as well as working at a computer for extended periods. Should be able to communicate by telephone, email, or face-to-face. About Us Infosys BPM Limited, a wholly owned subsidiary of Infosys Limited (NYSE: INFY), provides end-to-end transformative business process management (BPM) services for its clients across the globe. The company’s integrated IT and BPM solutions approach enables it to unlock business value across industries and service lines, and address business challenges for its clients. Utilizing innovative business excellence frameworks, ongoing productivity improvements, process reengineering, automation, and cutting-edge technology platforms, Infosys BPM enables its clients to achieve their cost reduction objectives, improve process efficiencies, enhance effectiveness, and deliver superior customer experience. Infosys BPM has 44 delivery centers in 16 countries spread across 5 continents, with 59,443 employees from 108 nationalities, as of March, 2025. The company has been consistently ranked among the leading BPM companies globally and has received over 60 awards and recognitions in the last 5 years, from key industry bodies and associations like the Outsourcing Center, SSON, and GSA, among others. Infosys BPM also has very robust people’s practices, as substantiated by the various HR-specific awards it has won over the years. The company has consistently been ranked among the top employers of choice, on the basis of its industry leading HR best practices. The company’s senior leaders contribute widely to industry forums as BPM strategists. EOE/Minority/Female/Veteran/Disabled/Sexual Orientation/Gender Identity/National Origin Infosys is an equal opportunity employer and all qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, spouse of protected veteran, or disability.

Job Description Who We Are: We are developers, owners and operators of Multifamily/Apartment assets throughout the Southeast and in our sights is an intense mission to dramatically change the way we function, communicate, engage, evaluate, execute, course correct and think about our organizational growth, operations and management. We operate a vertically integrated real estate investment platform with a group of wholly owned subsidiaries that includes real estate brokerage, mortgage banking, property management, development, construction, investment banking, insurance/risk, marketing/advertising, and architecture efforts that both support our own investment strategies as well as serve the 3rd party marketplace. We possess an insatiable desire for growth, accomplishment and making the impossible happen – to be successful here, you must possess this desire as well! Who We Seek: We are igniting an effort which is nothing less than a drastic transformation of our entire approach and thought process around Real Estate Investment, Management, Development and Operational excellence and at the center of this transformation is a key resource – You! You are an experienced change agent and are relentless in your pursuit of organizational excellence. This role will not only help grow our portfolio but will be a key player to the organization. As leaders, we empirically believe in our people, we dramatically want the best for our people and enthusiastically expect the best from of our people! In your DNA will be a fire that burns, and the result is an Insane passion and high energy for creating change, improvement, and the natural incapability of accepting below bar standards, mediocrity, or anything less than the best. We need the right Brokerage Leadership and are investing heavily in our mission to grow. If you are up for the challenge, we want to engage with you! If you truly consider yourself up to our challenge and are prepared to demonstrate how and why – we are ready, Impress us! Working with us: You'll be challenged daily to improve yourself, work harder and faster than ever before and to take your skillsets and ability to accomplish to levels never thought possible and take on your position as if it was your own business. Our organization sparks the entrepreneurial spirit to help people live up to their true potential. Are you up to the challenge? In order to be considered for this exciting opportunity – You must provide the following: 1) Your resume 2) Are you Local? Or willing to permanently relocate? 3) Your Desired Salary/Compensation 4) When can you start? Key Responsibilities: • Completes assigned work orders generated from resident requests for service, as well as preventative maintenance on the property by diagnosing the source or cause of the defect or problem, and making repairs in accordance with established policies, procedures, safety standards, and code requirements., • Completes the “make-ready” process to prepare vacant apartment homes for leasing and new move-ins by completing the pre-move-out inspection, creating a “punch” list of maintenance work needed, scheduling vendors and contractors as needed, obtaining needed supplies and materials, completing all maintenance tasks, and inspecting completed work., • Follows procedures for accessing and obtaining materials, supplies, equipment, tools, and other items from the property’s maintenance department by tracking inventory used, returning unused items to the established location, and notifying the maintenance supervisor about re-ordering needs., • Completes documentation and other paperwork in a timely, accurate, and complete fashion so that service requests can be appropriately documented and tracked., • Supports cost-cutting and expense control programs by fixing rather than replacing parts, when possible, not being wasteful with materials and supplies, and practicing the correct use for tools and equipment., • Assists in maintaining the grounds, common areas, and amenities by picking up trash and debris, pressure-washing breezeways and pool areas, performing general cleaning, and painting curbs and signage as needed. Preferred Qualifications: • Comprehensive knowledge of appliance repair, plumbing, electrical, safety conscious, and light carpentry Highly Desired Qualification: • Universal EPA certifications To be considered for this role candidates must have a valid Driver’s License. • 1+ years of experience in Multifamily., • Must be enthusiastic, creative, and able to think both strategically and tactically., • Demonstrated proficiency in Office Suite tools., • Property Management Software, experience with Rent Manager is a huge plus!

Project Manager – IT (Mortgage & Insurance Domain).Years (Minimum 3+ Years Leading IT Programs).Mortgage, Insurance, and Financial Services.IT programs across diverse applications.The ideal candidate is highly proficient in.We are seeking a candidate with a strong background in.The ideal candidate

Job Description Our Client is seeking a Senior Commercial Relationship Manager for the Birmingham, AL territory. The ideal candidate will have a Bachelor's degree with a minimum of 3 years' experience in business development (commercial, consumer, mortgage, and SBA), marketing and sales with your own acquired book of business within a banking environment. Excellent computer and technical skills to include proficiency in Window and the Microsoft Office Suite (Word, Excel, Outlook, Access, PowerPoint, and Publisher) required. Credit and underwriting experience are a plus. Series 7 and 63 licenses are a plus. This role will manage and develop commercial loan accounts that meet the established lending requirements; build commercial relationships; plan and schedule visits with prospective clients; attend community events/meetings; respond quickly to referrals/leads while achieving established commercial/portfolio growth/deposit goals, maximizing profitability, and minimizing risk to the bank. Client offers a competitive salary, bonus structure, and benefits package.

Job DescriptionPosition Description: Property Accounting Manager Location: RemoteJob Title: Property Accounting Manager Compensation: +/-$90,000 annually, based on experience and portfolio size About Us Summerfield Property Management (SPM) is a growing property management firm dedicated to providing exceptional living experiences for our residents. We manage a diverse portfolio of residential properties, ensuring they are well-maintained and safe for all residents. As we expand our reach, we are seeking talented individuals to join our team and help us maintain the highest standards of quality and service. Position Summary The Property Accounting Manager oversees 3 to 4 Property Accountants that conduct property-level accounting for 8 to 10 properties each for a portfolio of approximately 20 to 30 multifamily communities. This role works closely with regional managers to ensure financial reporting and operational accounting activities are accurate, timely, and complete to Ownership expectations. Key Responsibilities As a Property Accounting Manager at SPM, you will be responsible for: -\tManages day-to-day accounting functions of Property Accountants to include review/approval of the monthly financial statements, bank reconciliations, wires, etc., while meeting the internal/external deadlines. -\tEffectively communicate with all 3rd party clients on financial statement questions, distributions, business license filings, personal property tax filings and other Tax related questions. -\tOversee and manage transitions of new properties as well as dispositions (sale or management transition) to include preparation of sale pro-rations. -\tWork in partnership with the operations team on the annual budgets, reforecasts, Cash funding draws, and financial statement preparation. -\tProvide training, discipline, goal planning, and performance management for a team of Property Accountants. -\tWork closely with Regional Manager on a daily basis to make sure we have continuity between operations and accounting teams. -\tAbility to successfully multi-task and manage multiple deadlines within multiple property management software applications. -\tHas advanced knowledge of GAAP and industry standards. Financial Management & Reporting -\tAnalyze and review financial information for assigned properties, ensuring accuracy and completeness of property-level financial statements -\tOversee and approve financial transactions, including budget entries, revenue, expenses, payroll, invoices, mortgage payments, and distributions -\tReconcile bank accounts and financial statements, approving exceptions to bank reconciliations and wire transfers as necessary -\tPrepare and review journal entries, account reconciliations, and standard accounting reports -\tMonitor compliance with debt covenants, funding requirements, and financial reporting deadlines Month-End & Year-End Close -\tLead the month-end and year-end close processes to ensure timely and accurate reporting -\tPrepare financial reporting packages including variance analysis, executive summaries, budget comparisons, bank reconciliations, and journal entries -\tEnsure all reporting deadlines are consistently met across the assigned portfolio Budgeting & Forecasting -\tPartner with the operations team on annual budgets, reforecasts, and cash funding draws -\tAnalyze revenue and expenditure trends and recommend appropriate budget levels to ensure expenditure control Accounting Controls & Compliance -\tDevelop, implement, and maintain accounting policies, procedures, and internal controls -\tEnsure departmental workflows meet established accounting standards, GAAP, and company policies -\tImplement process and procedural improvements to streamline work, increase productivity, and maintain quality Audit Coordination -\tAct as liaison to internal and external auditors, providing documentation, research data, and information necessary to complete audits in a timely manner -\tCoordinate preparation of documentation for fiscal year-end financial audits Client & Operational Collaboration -\tPartner with property managers and regional managers to ensure timely and accurate pre-close financial activities -\tCommunicate with third-party clients and owners on financial statement questions, distributions, business license filings, personal property tax filings, and other financial inquiries -\tOversee and manage transitions of new properties as well as dispositions, including preparation of sale prorations Team Leadership -\tRecruit, interview, hire, and onboard accounting staff -\tProvide training, coaching, goal planning, and professional development to team members -\tDeliver performance feedback and corrective guidance when necessary -\tEstablish annual goals and objectives for the accounting team and assign properties and portfolios for effective workload distribution -\tAll other duties and special projects as assigned Qualifications To be successful in this role, you should have: -\tBachelor’s degree or better in Accounting or Finance, or related field required -\tCPA certification highly preferred, or active progress being made toward CPA designation -\t5–7 years of accounting experience, with at least 3 years in a supervisory or people leadership role -\t3–5 years of property management or real estate accounting experience strongly preferred -\tExperience with Yardi Voyager or similar property management accounting software a must -\tStrong understanding of GAAP and internal controls within the multifamily property management industry -\tAdvanced proficiency in Microsoft Office Suite, particularly Excel (VLOOKUPs, pivot tables, SUMIFs, etc.) -\tExcellent communication, leadership, and problem-solving skills -\tAbility to manage multiple priorities and deadlines across multiple properties simultaneously -\tStrong organizational and time-management skills with a high attention to detail -\tPre-employment drug test and background check required Benefits We offer a competitive salary and the following benefits package: -\tHealth Insurance -\tVision Insurance -\tDental Insurance -\t401K -\tPaid Time Off -\tBasic Life / Voluntary Life -\tLong Term / Short Term Disability -\tPromotion Opportunities Join our team and be a key player in maintaining the high standards of living in our properties. SPM is an equal opportunity employer. We encourage candidates from all backgrounds to apply today! $80,000.00 - $100,000.00 Annually

Job Description HOW YOU’LL MAKE A DIFFERENCE: The Collateral Risk Analyst evaluates results of automated quality control reviews of commercial real estate appraisal reports to determine accuracy of review model results and to mitigate valuation and regulatory compliance risks. This is a remote role that requires experience as a certified general real estate appraiser or commercial real estate appraisal underwriter. The incumbent is primarily responsible for determination of valuation risk by providing expert knowledge in assessing, validating, and responding to results of proprietary appraisal review tool(s) and taking action to remediate any valuation risks identified by the tool or discovered independently by the Analyst. The purpose of this role is to provide expertise in employing results indicated by appraiser-developed appraisal review software intended to produce a robust, data-driven assessment of the reasonableness of valuations. IN THIS ROLE, YOU’LL GET TO: • Evaluate results of automated quality control reviews of commercial real estate appraisal reports to determine automated model accuracy and to mitigate valuation risks. for properties located throughout the United States, • Employ appraiser-developed, automated review software to:, • Evaluate reports for logical consistency and completeness, • Assess whether report’s methodologies, approaches, and conclusions suggest compliance with federal and state regulations, and applicable bank policies., • Identify errors, omissions, inconsistencies, and deficiencies, • Complete all tasks within established turnaround time standards while maintaining required quality benchmarks., • Communicate knowledgably and proficiently with appraisers and other valuation professionals to request corrections, clarifications, or revisions as needed to meet compliance standards., • Conduct all workflow activities — including report receipt/delivery and communications— exclusively through the company’s designated web portals and applications., • Evaluate vendor performance and provide feedback to support the maintenance of approved appraiser/vendor panel(s)., • Participate in scheduled staff calls, ongoing professional development, and training activities., • Maintain strict confidentiality of all client, bank, and appraisal report information., • Maintain strict adherence to company policies and applicable laws, rules and regulations., • Perform additional duties as assigned by the Appraisal Operations management team. THIS OPPORTUNITY IS FOR YOU IF YOU HAVE/ARE: • Required, • Certified General Real Property Appraiser license in good standing OR 10+ years experience as commercial real estate collateral risk/appraisal underwriter, • Demonstrated knowledge of commercial real estate appraisal methodology, valuation theory, and applicable valuation approaches (Sales Comparison, Income Capitalization, Cost)., • Working knowledge of Interagency Appraisal and Evaluation Guidelines, USPAP, FIRREA requirements, and applicable federal and state appraisal regulations., • Strong attention to detail with the ability to identify errors, omissions, and logical inconsistencies in complex valuation reports., • Ability to manage multiple assignments simultaneously, prioritize effectively, and meet deadlines in a remote work environment., • Proficiency with Microsoft Office Suite (e.g., Word, Excel, Outlook, Teams)., • Proficiency with and/or willingness to learn artificial intelligence tools (Augur, Copilot, Claude, Chat GPT) for daily use., • Strong written and verbal communication skills, including the ability to document findings clearly and concisely., • Ability to work independently and as a self-starter with minimal supervision., • Preferred, • Bachelor’s degree in finance, economics, accounting, real estate, or a closely related field., • Experience evaluating appraisal compliance and/or risk in a bank, AMC, or regulatory environment., • Familiarity with commercial mortgage lending operations and bank credit policies., • Experience with appraisal management software or web-based review platforms. PERFORMANCE STANDARDS • Complete all tasks within established deadlines, maintaining a strong on-time delivery rate., • Deliver work product that meets defined quality thresholds, as assessed through pre-delivery quality checks conducted by the Review Manager., • Maintain clear, professional, and timely written communication with appraisers, valuation professionals, clients, and internal team members., • Actively participate in team meetings and continuous improvement initiatives. PERFORMANCE METRICS • Production Units — tracked via Appraisal Management System (AMS), • On-Time Delivery Rate — tracked via AMS, • Quality Rating — assessed through pre-delivery review by Review Manager, • Team Participation — engagement in weekly staff calls and professional development activities WHAT WE OFFER: 3 weeks of PTO, 13 company paid holidays, paid parental leave, and a flexible work environment. Medical, Dental, Vision, Life, Disability, and 401K plans begin the first of the month after 30 days of employment. OUR PURPOSE is to provide opportunities that help people thrive using their God-given abilities. OUR CORE VALUES: • Be a Self-Starter. Continuously seek ways to improve yourself and the business, take responsibility, and act with urgency to solve problems., • Be a Team Player. Prioritize team success over individual achievements, support your colleagues, and contribute to creating high-performing teams., • Be a Patriot. Focus on the greater good of the organization, be honest about what’s working, and passionately work towards making the company better., • Do it Right. Uphold high standards and integrity, even when no one is watching, and always aim to do the right thing., • Be Humble. Lead by serving others, value diverse perspectives, and remain open to new ideas and feedback. WHAT WE DO: As the largest commercial real estate services marketplace in the nation, MountainSeed MarketPlace offers a comprehensive range of appraisal management, review services, and more. MountainSeed Analytics platform provides real-time, accurate real estate data insights, helping clients make informed decisions in markets across the U.S. MountainSeed’s Capital Markets Solutions including Loan Sale Advisory and Sale Leaseback Programs assist in enhancing an institution’s financial health. MountainSeed is proud to be an Equal Opportunity Employer and provides equal employment opportunities to all employees and applicants without regard to race, color, religion, sex, age, national origin, disability, veteran status, pregnancy, sexual orientation, or any other characteristic protected by law.

Job Description Do you have 3 - 5 years past work experience performing Mortgage Post Closing tasks for a Credit Union, Bank, or related financial institution? Audit closed loan packages, Clear conditions, and ensure mortgage loan compliance. Title: Mortgage Post-Closing Specialist Position Status – Full Time non-exempt (Hourly) Reports To: Retail Credit Underwriting Manager Target hiring pay range: $21.10 - $26.37 per hour The listed pay information includes the minimum rate of pay to the mid-point rate of pay for the posted position The actual compensation for this position may vary based upon, but not limited to, licenses or certifications, education or equivalent work experience, market data, qualifications, relevant experience, prior work and performance history, geographic location, and business sector. We believe great work is to be rewarded with great benefits. Our benefits include, but aren’t limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays. Purpose: The primary purpose of this position is to assist Center Parc Credit Union (CPCU) to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.” The Mortgage Post-Closing Specialist is responsible for ensuring mortgage loans are properly documented, audited, and delivered post-closing to meet investor, regulatory, and internal requirements. This includes a comprehensive review of all loan packages and final confirmation that all legal and secondary documents are executed properly. Essential Duties and Responsibilities: Other duties may be assigned. • Adhere to and deliver on Center Parc’s core values:, • Serve Exceptionally, • Commit to Better, • Find the Fun, • Invest in Integrity, • Follow the Numbers, • Go Forth and Conquer, • Protect with Passion, • Ensure all required documents (notes, mortgages, Deeds of Trust, assignment riders, disclosures, title endorsements, flood insurances, taxes, PMI, etc.) are present, properly executed with correct signatures and dated, and properly recorded., • Identify, research, and resolve post-closing exceptions, document errors, missing documents, and title or vesting issues through follow up with origination, closing, underwriting, title companies, and other third-party vendors., • Verify recording of security instruments and maintain tracking of recording confirmations documents and final title policies; obtain and file recorded documents., • Ensure the loan file meets specific secondary market investor requirements to facilitate a seamless sale (includes clearing Guild post-closing conditions)., • Prepare and deliver loan files and electronic documents to investors; complete required delivery schedules and reporting., • As applicable, Coordinate with custodians and warehouse lenders regarding funding documentation, endorsements, and custodial deliveries., • As needed, prepare package supplemental documents (mortgage assignments, satisfactions, estoppel certificates)., • Update loan origination and post-closing tracking systems with statuses, documentation, and status notes; Compare the final loan data in Meridian Link Mortgage/Meridian Ling Consumer against the physical or digital documents to ensure 100% accuracy in interest rates, loan terms, and borrower information., • Maintain logs of common errors or reoccurring issues; recommend process improvements to reduce exceptions, shorten delivery timelines, and improve file quality., • Complete request of varying degrees of complexity; some moderate in nature and others requiring extensive research and problem-solving skills to identify and resolve issues., • Ensure loan compliance and adhere to the provisions of the Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Housing Act (FHA), the Universal Code (UCC), Regulation Z, Home Mortgage Disclosure Act (HMDA),and any other state or federal regulation associated with the granting of credit that are applicable to this position, • Demonstrate strong attention to detail, with the ability to review complex financial documents and identify errors or omissions., • Effectively use written and oral communication skills in daily correspondence and completion of tasks and consistently presents a positive image of the Credit Union, • Exhibit strong organizational skills and the ability to manage multiple loan packages simultaneously., • Maintain positive and productive working relationships with all internal and external stakeholders., • Demonstrate effective time management and prioritize daily work to meet deadlines and goals., • Attend ongoing training as needed, including on and off-site workshops and webinars to maintain a prominent level of knowledge related to the position., • Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position., • The ability to travel overnight or to other business locations is less than 5%., • Other duties as assigned. Supervisory Responsibilities: No direct reports. May manage day-to-day tasks through indirect reporting relationships or through a matrixed management approach and the ability to collaboratively interact with internal and external partners. Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/pr ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. REQUIRED Education and/or Experience: • An associate’s degree in business management, business administration, related field of study or 2 years’ related mortgage closing work experience in lieu of a degree, • 3 years mortgage post-closing, mortgage operations or equivalent work experience, • Proficiency with 10-Key calculator, keying skills, Microsoft Office software, and document imaging systems, • A working knowledge and understanding of mortgage regulations, compliance, and mortgage loan products PREFFERED Education and/or Experience: • A bachelor’s degree in business management, business administration, related field of study or an additional 2 years of specific mortgage post-closing work experience in lieu of a degree, • 4 years of mortgage loan processing experience in a credit union, • Familiarity with investor guidelines (Fannie Mae, Freddie Mac, Ginnie Mae, other secondary investors), • Certified Mortgage Processor certification (CMP) or other certifications related to the position, • Advanced understanding of mortgage regulations, compliance, and mortgage loan products, • Proficiency with loan origination systems (LOS), Symitar ,and Meridian Link Mortgage Physical Job Requirements: Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 25 pounds Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. Center Parc Credit Union prohibits harassment based on the same protected classes and criteria. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources. Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.

Project Manager – IT (Mortgage & Insurance Domain).Years (Minimum 3+ Years Leading IT Programs).Mortgage, Insurance, and Financial Services.IT programs across diverse applications.The ideal candidate is highly proficient in.We are seeking a candidate with a strong background in.The ideal candidate

Job Description We’re Hiring! Commercial Relationship Manager – Houston, Texas Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution’s values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth. Interested in this position and meet the qualifications and requirements? Apply at www.ctbconnect.com. Questions? Contact us at 404-575-8262. Position Summary: Responsibilities include but are not limited to the following: • Targets and maintains extensive contact with individuals, businesses, and centers of influence with a focus on the metro Houston, Texas area; maintains extensive contact with customers and the community; plans and schedules proactive visits to prospective customers; aggressively competes for loans, deposits, and other banking relationships, establishes effective and lasting business relationships; responds quickly to referrals; evaluate the creditworthiness of prospective customers ahead of submission to underwriting., • Achieves all established goals, objectives, and expectations, including funded commercial loan goals, portfolio growth goals, deposit growth goals, fee goals, and other bank products, services, solutions, and objectives while increasing customer satisfaction., • Attends, participates, promotes, and represents the bank at business, professional, and community events, meetings, organizations, associations, programs, functions, and activities to support and broaden company image and visibility. Serves on company, business, and other bank-related professional committees, boards, and other related functions; participates in CRA activities, community organizations, and projects., • Analyzes, reviews, and structures new loan requests, including highly complex loans of various loan types and industries, while maintaining strong knowledge of the credit approval process and gathering and compiling financial documents to submit for the credit package., • Manages all aspects of relationships to ensure maximum profitability and credit quality, including new cross-sell business opportunities, loan renewals, and problem loans as needed., • Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives., • Maintains a sound working knowledge of all products, services, and solutions offered by the bank, its subsidiaries, strategic alliances, third-party vendors, and competitors. Stays abreast of all aspects of banking, business development, new banking trends, banking laws and regulations, developments, practices, and programs., • Demonstrates commitment to excellence; consistently provides superior customer service to all internal and external customers, vendors, service providers, and prospective customers; checks and promptly responds timely to all voice mail messages, e-mails, referrals, customer requests, and complaints received., • Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards. Promotes a positive attitude and team approach to customer relationships., • Develops and executes business development and strategic plans for meeting production and sales goals and objectives; assists with marketing and public relations-related functions, projects, and efforts., • Maintains an updated pipeline report, call report, and prospect database on a weekly basis., • Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions., • Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals and those which are not being addressed adequately at the management level., • Assists with developing, evaluating, and updating business development and sales manuals, policies, procedures, guidelines, standards, goals, objectives, methods, and practices., • Protects customers’ information and interests; identifies and complies with all legal requirements, government and banking laws, regulations, and reporting affecting job, business development, sales, and related functions; adheres to all bank policies, procedures, processes, reporting, guidelines, training requirements, and expectations., • Proactively utilizes the bank’s customer relationship system, tools, programs, and other resources to meet goals and objectives., • Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested., • Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand., • Collaborates and cultivates effective relationships with all business lines for excellent results; obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment., • Exceeds all established performance and position’s goals, objectives, and expectations. Other Responsibilities: • Exhibits initiative and demonstrates a sense of urgency; prioritizes work assignments and projects, reacts to opportunities, instills urgency in others, and meets deadlines., • Responsible for exercising sound independent judgment and discretion while making profitable and solid decisions., • Assists department staff, management, and associates in understanding financial market performance trends, associated market risks, and opportunities for the bank., • Takes advantage of continuing education and training opportunities to enhance skills, knowledge base, and experience level., • Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately., • Performs other duties and responsibilities as assigned. Qualifications: • Minimum of three (3) years of progressive business development, marketing, and sales experience in a banking environment; credit and underwriting experience a plus., • Bachelor’s degree in finance, economics, business, accounting, marketing, communications, management, or a related field., • Series 7 and 63 Licenses are a plus., • Specialized training in business development, sales, marketing, and lending (commercial, consumer, mortgage, and SBA)., • Solid background and understanding of business development, industry trends and developments, marketing, and sales in a banking environment with broad knowledge of all banking products and services, customer relations, banking policies, procedures, guidelines, practices, concepts, state, federal, and local laws, and other regulations., • Excellent business development, marketing, sales, customer relations, project management, leadership, and organizational skills; superior interpersonal, relationship management, research, and analytical abilities; strong financial reviewability., • Ability to establish credibility, respect, be decisive, establish good business and working relationships with customers, managers, officers, associates, business development and sales professionals, vendors, etc., • Strong problem solving, team building, planning, persuasive, and negotiation skills; effective oral and written communication, presentations, collaboration, and facilitation skills; superior customer service, listening, probing, and follow-up skills., • Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker, service-oriented, and good leadership qualities., • Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure., • People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities., • Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes., • High integrity with the ability to handle confidential matters with proven ability to protect and maintain the highly confidential nature of the company, customer, employee, business development, marketing, sales, and other confidential related information; ability to function in a team and fast-paced environment., • Ability to display a high degree of creativity and latitude when performing job functions., • Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities., • Ability to readily adapt to change and champion the need for change; has a passion for business development, sales, marketing, other related functions; enjoys working in a team atmosphere., • Proven ability to develop profitable new business, close business deals and transactions, successfully sell banking products and services., • Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office (Word, Excel, Outlook, Access, PowerPoint, & Publisher), and Internet Explorer., • Demonstrated career achievements and academic excellence., • Must be mature, flexible, and energetic with a competitive and winning spirit. Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following: • Medical, Dental, Vision, and Prescription, • 401(k) Retirement Plan, • Life Insurance, • Accidental Death & Dismemberment, • Short&/Long Term Disability, • Flexible Spending Plan, • Paid Time Off, Vacation, and Holiday Pay, • Tuition Reimbursement, • Employer Assisted Housing Program EEO/AA #ZR • Wholesale Membership Program, • Wellness Program, • Employee Assistant Referral Services (EAP), • Legal Shield Program, • Group Cancer & Accident Insurance Programs, • Worker’s Compensation Program, • Free Banking Services, • Awards and Recognition Programs, • Training & Development Programs and much more

Job Description We’re Hiring! Commercial Relationship Manager – Raleigh/Durham - NC Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution’s values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth. Interested in this position and meet the qualifications and requirements? Apply at www.ctbconnect.com. Questions? Contact us at 404-575-8262. Position Summary: Responsibilities include but are not limited to the following: • Targets and maintains extensive contact with individuals, businesses, and centers of influence with a focus on the metro Raleigh and Durham, North Carolina areas; maintains extensive contact with customers and the community; plans and schedules proactive visits to prospective customers; aggressively competes for loans, deposits, and other banking relationships, establishes effective and lasting business relationships; responds quickly to referrals; evaluate the creditworthiness of prospective customers ahead of submission to underwriting., • Achieves all established goals, objectives, and expectations, including funded commercial loan goals, portfolio growth goals, deposit growth goals, fee goals, and other bank products, services, solutions, and objectives while increasing customer satisfaction., • Attends, participates, promotes, and represents the bank at business, professional, and community events, meetings, organizations, associations, programs, functions, and activities to support and broaden company image and visibility. Serves on company, business, and other bank-related professional committees, boards, and other related functions; participates in CRA activities, community organizations, and projects., • Analyzes, reviews, and structures new loan requests, including highly complex loans of various loan types and industries, while maintaining strong knowledge of the credit approval process and gathering and compiling financial documents to submit for the credit package., • Manages all aspects of relationships to ensure maximum profitability and credit quality, including new cross-sell business opportunities, loan renewals, and problem loans as needed., • Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives., • Maintains a sound working knowledge of all products, services, and solutions offered by the bank, its subsidiaries, strategic alliances, third-party vendors, and competitors. Stays abreast of all aspects of banking, business development, new banking trends, banking laws and regulations, developments, practices, and programs., • Demonstrates commitment to excellence; consistently provides superior customer service to all internal and external customers, vendors, service providers, and prospective customers; checks and promptly responds timely to all voice mail messages, e-mails, referrals, customer requests, and complaints received., • Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards. Promotes a positive attitude and team approach to customer relationships., • Develops and executes business development and strategic plans for meeting production and sales goals and objectives; assists with marketing and public relations-related functions, projects, and efforts., • Maintains an updated pipeline report, call report, and prospect database on a weekly basis., • Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions., • Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals and those which are not being addressed adequately at the management level., • Assists with developing, evaluating, and updating business development and sales manuals, policies, procedures, guidelines, standards, goals, objectives, methods, and practices., • Protects customers’ information and interests; identifies and complies with all legal requirements, government and banking laws, regulations, and reporting affecting job, business development, sales, and related functions; adheres to all bank policies, procedures, processes, reporting, guidelines, training requirements, and expectations., • Proactively utilizes the bank’s customer relationship system, tools, programs, and other resources to meet goals and objectives., • Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested., • Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand., • Collaborates and cultivates effective relationships with all business lines for excellent results; obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment., • Exceeds all established performance and position’s goals, objectives, and expectations. Other Responsibilities: • Exhibits initiative and demonstrates a sense of urgency; prioritizes work assignments and projects, reacts to opportunities, instills urgency in others, and meets deadlines., • Responsible for exercising sound independent judgment and discretion while making profitable and solid decisions., • Assists department staff, management, and associates in understanding financial market performance trends, associated market risks, and opportunities for the bank., • Takes advantage of continuing education and training opportunities to enhance skills, knowledge base, and experience level., • Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately., • Performs other duties and responsibilities as assigned. Qualifications: • Minimum of three (3) years of progressive business development, marketing, and sales experience in a banking environment; credit and underwriting experience a plus., • Bachelor’s degree in finance, economics, business, accounting, marketing, communications, management, or a related field., • Series 7 and 63 Licenses are a plus., • Specialized training in business development, sales, marketing, and lending (commercial, consumer, mortgage, and SBA)., • Solid background and understanding of business development, industry trends and developments, marketing, and sales in a banking environment with broad knowledge of all banking products and services, customer relations, banking policies, procedures, guidelines, practices, concepts, state, federal, and local laws, and other regulations., • Excellent business development, marketing, sales, customer relations, project management, leadership, and organizational skills; superior interpersonal, relationship management, research, and analytical abilities; strong financial reviewability., • Ability to establish credibility, respect, be decisive, establish good business and working relationships with customers, managers, officers, associates, business development and sales professionals, vendors, etc., • Strong problem solving, team building, planning, persuasive, and negotiation skills; effective oral and written communication, presentations, collaboration, and facilitation skills; superior customer service, listening, probing, and follow-up skills., • Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker, service-oriented, and good leadership qualities., • Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure., • People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities., • Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes., • High integrity with the ability to handle confidential matters with proven ability to protect and maintain the highly confidential nature of the company, customer, employee, business development, marketing, sales, and other confidential related information; ability to function in a team and fast-paced environment., • Ability to display a high degree of creativity and latitude when performing job functions., • Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities., • Ability to readily adapt to change and champion the need for change; has a passion for business development, sales, marketing, other related functions; enjoys working in a team atmosphere., • Proven ability to develop profitable new business, close business deals and transactions, successfully sell banking products and services., • Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office (Word, Excel, Outlook, Access, PowerPoint, & Publisher), and Internet Explorer., • Demonstrated career achievements and academic excellence., • Must be mature, flexible, and energetic with a competitive and winning spirit. Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following: • Medical, Dental, Vision, and Prescription, • 401(k) Retirement Plan, • Life Insurance, • Accidental Death & Dismemberment, • Short&/Long Term Disability, • Flexible Spending Plan, • Paid Time Off, Vacation, and Holiday Pay, • Tuition Reimbursement, • Employer Assisted Housing Program EEO/AA • Wholesale Membership Program, • Wellness Program, • Employee Assistant Referral Services (EAP), • Legal Shield Program, • Group Cancer & Accident Insurance Programs, • Worker’s Compensation Program, • Free Banking Services, • Awards and Recognition Programs, • Training & Development Programs and much more

Job Description We’re Hiring! HOUSTON METROPOLITAN– Mortgage Loan Officer Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution’s values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth. Interested in this position and meet the qualifications and requirements? Apply at www.ctbconnect.com. Questions: Contact 404-575-8262. Position Summary: Responsibilities include but are not limited to the following: • Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions, • Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank, • Screens mortgage loan requests; educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations, • Obtains required information and documents from prospective loan clients and analyzes financial and credit data, • Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner, • Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers, • Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank, • Hosts and conducts homebuyers related seminars and educational sessions, • Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank’s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations, • Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives., • Maintains a sound working knowledge of all products, services, and solutions offered by the bank, its subsidiaries, strategic alliances, third-party vendors, and competitors. Stays abreast of all aspects of banking, business development, new banking trends, banking laws and regulations, developments, practices, and programs., • Demonstrates commitment to excellence; consistently provides superior customer service to all internal and external customers, vendors, service providers, and prospective customers; checks and promptly responds timely to all voice mail messages, e-mails, referrals, customer requests, and complaints received. Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards. Promotes a positive attitude and team approach to customer relationships. • Develops and executes business development and strategic plans for meeting production and sales goals and objectives; assists with marketing and public relations-related functions, projects, and efforts., • Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions., • Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals and those which are not being addressed adequately at the management l, • Protects customers’ information and interests; identifies and complies with all legal requirements, government and banking laws, regulations, and reporting affecting job, business development, sales, and related functions; adheres to all bank policies, procedures, processes, reporting, guidelines, training requirements, and expectations., • Proactively utilizes the bank’s customer relationship system, tools, programs, and other resources to meet goals and objectives., • Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested., • Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand., • Collaborates and cultivates effective relationships with all business lines for excellent results; obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment., • Exceeds all established performance and position’s goals, objectives, and expectations. Other Duties and Responsibilities: • Exhibits initiative and demonstrates a sense of urgency; prioritizes work assignments and projects, reacts to opportunities, instills urgency in others, and meets deadlines., • Responsible for exercising sound independent judgment and discretion while making profitable and solid decisions., • Assists department staff, management, and associates in understanding financial market performance trends, associated market risks, and opportunities for the bank., • Takes advantage of continuing education and training opportunities to enhance skills, knowledge base, and experience level., • Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately., • Performs other duties and responsibilities as assigned. Qualifications, Skills, and Abilities: • Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment, • Bachelor’s degree in finance, accounting, economics, marketing, business administration, or related field, • Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required, • Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures, • Excellent business development, mortgage, marketing, sales, customer relations, project management, leadership, and organizational skills; superior interpersonal, relationship management, research, and analytical abilities; strong financial reviewability., • Ability to establish credibility, respect, be decisive, establish good business and working relationships with customers, managers, officers, associates, business development and sales professionals, vendors, etc., • Strong problem solving, team building, planning, persuasive, and negotiation skills; effective oral and written communication, presentations, collaboration, and facilitation skills; superior customer service, listening, probing, and follow-up skills., • Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker, service-oriented, and good leadership qualities., • Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure., • People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities., • Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes., • High integrity with the ability to handle confidential matters with proven ability to protect and maintain the highly confidential nature of the company, customer, employee, business development, marketing, sales, and other confidential related information; ability to function in a team and fast-paced environment., • Ability to display a high degree of creativity and latitude when performing job functions., • Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities., • Ability to readily adapt to change and champion the need for change; has a passion for business development, sales, marketing, other related functions; enjoys working in a team atmosphere., • Proven ability to develop profitable new business, close business deals and transactions, successfully sell banking products and services., • Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office (Word, Excel, Outlook, Access, PowerPoint, & Publisher), and Internet Explorer., • Demonstrated career achievements and academic excellence., • Must be mature, flexible, and energetic with a competitive and winning spirit. Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following: • Medical, Dental, Vision, and Prescription, • 401(k) Retirement Plan, • Life Insurance, • Accidental Death & Dismemberment, • Short&/Long Term Disability, • Flexible Spending Plan, • Paid Time Off, Vacation, and Holiday Pay, • Tuition Reimbursement, • Employer Assisted Housing Program EEO/AA • Wholesale Membership Program, • Wellness Program, • Employee Assistant Referral Services (EAP), • Legal Shield Program, • Group Cancer & Accident Insurance Programs, • Worker’s Compensation Program, • Free Banking Services, • Awards and Recognition Programs, • Training & Development Programs and much more

Job Description The POWER of a CAREER! At Northpointe Bank, we believe your career should empower you — to grow, lead, and make a meaningful impact. We’re hiring a Producing Branch Manager to lead and grow a Mortgage Loan Production Team in Metro Atlanta and surrounding areas. This is a hands-on mortgage leadership role — ideal for a proven producer who is passionate about originating loans, recruiting and developing Loan Officers, and building a profitable, compliant mortgage operation. This is not a retail banking role; it is a sales-driven residential lending position. Compensation Structure: Loan Officers are compensated with a monthly recoverable draw and earn commission based on basis points (bps) for closed and funded loan volume. This structure provides income consistency while rewarding strong production performance. What You’ll Do: • Lead, grow, and manage a profitable and compliant Mortgage Loan Production Team., • Personally originate and close residential mortgage loans in accordance with established guidelines, • Recruit, develop, coach, and lead a team of Loan Officers and support staff, • Establish and maintain strong relationships with realtors, builders, and referral partners in the Metro Atlanta market and surrounding areas, • Educate the local real estate community on Northpointe Bank’s mortgage products and value proposition, • Set sales goals and drive performance across the branch, balancing personal production with team success, • Partner with marketing and business development to execute branch growth strategies, • Monitor market conditions and adjust sales strategies to maintain competitiveness, • Ensure compliance with internal policies, procedures, and applicable mortgage regulations, • Provide leadership, coaching, and performance management for branch staff, • Participate in leadership initiatives and contribute to overall mortgage sales strategy What You Bring: • 10+ years of residential mortgage lending experience, • Proven track record of personal mortgage production, • Experience recruiting, developing, and leading producing Loan Officers, • Strong sales leadership and business development skills, • Deep knowledge of residential mortgage products and the competitive lending landscape, • Excellent communication, relationship-building, and coaching abilities, • Strong organizational, decision-making, and problem-solving skills, • Ability to work independently in a performance-driven environment, • Proficiency in Microsoft Word, Excel, Outlook, and mortgage lending systems, • Valid driver’s license required, • Must be located in — or willing to work within — the Metro Atlanta area Why Join Northpointe? Northpointe offers a mortgage platform where producing leaders can build teams, expand market presence, and drive results. You’ll have the support, flexibility, and leadership backing needed to grow a successful mortgage branch while continuing to produce. Our Hiring Philosophy Northpointe Bank recognizes that the quality of our people is the foundation for our success. Attracting individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy. It is the policy of Northpointe Bank and its subsidiaries to provide equal employment opportunities (EEO) to all persons regardless of age, race, sex, religion, national origin, handicap, marital status, or other attributes not pertinent to the job requirements. This policy reflects our practice of making all employment decisions, from recruitment to promotions, based on an individual's qualifications without discrimination on any basis. Benefit Information: • Medical, • Dental, • Vision, • Life, LTD, & AD&D, • Dependent Care Spending Plan (DCSA), • Employer Stock Ownership Plan with 401(k) feature and company match, • Complimentary Banking Services, • Tuition Assistance Ready to Apply? If you’re a producing mortgage leader ready to build a team and grow a branch in Metro Atlanta, we want to hear from you. At Northpointe Bank, this is more than a job — it’s the POWER of a CAREER. AA – EOE Powered by ExactHire:192353

Job Description We’re Hiring! Nashville, TN – Mortgage Loan Officer Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution’s values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth. Interested in this position and meet the qualifications and requirements? Apply at www.ctbconnect.com. Questions: Contact 404-575-8262. Position Summary: Responsibilities include but are not limited to the following: • Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions, • Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank, • Screens mortgage loan requests; educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations, • Obtains required information and documents from prospective loan clients and analyzes financial and credit data, • Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner, • Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers, • Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank, • Hosts and conducts homebuyers related seminars and educational sessions, • Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank’s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations, • Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives., • Maintains a sound working knowledge of all products, services, and solutions offered by the bank, its subsidiaries, strategic alliances, third-party vendors, and competitors. Stays abreast of all aspects of banking, business development, new banking trends, banking laws and regulations, developments, practices, and programs., • Demonstrates commitment to excellence; consistently provides superior customer service to all internal and external customers, vendors, service providers, and prospective customers; checks and promptly responds timely to all voice mail messages, e-mails, referrals, customer requests, and complaints received. Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards. Promotes a positive attitude and team approach to customer relationships. • Develops and executes business development and strategic plans for meeting production and sales goals and objectives; assists with marketing and public relations-related functions, projects, and efforts., • Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions., • Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals and those which are not being addressed adequately at the management l, • Protects customers’ information and interests; identifies and complies with all legal requirements, government and banking laws, regulations, and reporting affecting job, business development, sales, and related functions; adheres to all bank policies, procedures, processes, reporting, guidelines, training requirements, and expectations., • Proactively utilizes the bank’s customer relationship system, tools, programs, and other resources to meet goals and objectives., • Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested., • Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand., • Collaborates and cultivates effective relationships with all business lines for excellent results; obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment., • Exceeds all established performance and position’s goals, objectives, and expectations. Other Duties and Responsibilities: • Exhibits initiative and demonstrates a sense of urgency; prioritizes work assignments and projects, reacts to opportunities, instills urgency in others, and meets deadlines., • Responsible for exercising sound independent judgment and discretion while making profitable and solid decisions., • Assists department staff, management, and associates in understanding financial market performance trends, associated market risks, and opportunities for the bank., • Takes advantage of continuing education and training opportunities to enhance skills, knowledge base, and experience level., • Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately., • Performs other duties and responsibilities as assigned. Qualifications, Skills, and Abilities: • Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment, • Bachelor’s degree in finance, accounting, economics, marketing, business administration, or related field, • Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required, • Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures, • Excellent business development, mortgage, marketing, sales, customer relations, project management, leadership, and organizational skills; superior interpersonal, relationship management, research, and analytical abilities; strong financial reviewability., • Ability to establish credibility, respect, be decisive, establish good business and working relationships with customers, managers, officers, associates, business development and sales professionals, vendors, etc., • Strong problem solving, team building, planning, persuasive, and negotiation skills; effective oral and written communication, presentations, collaboration, and facilitation skills; superior customer service, listening, probing, and follow-up skills., • Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker, service-oriented, and good leadership qualities., • Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure., • People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities., • Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes., • High integrity with the ability to handle confidential matters with proven ability to protect and maintain the highly confidential nature of the company, customer, employee, business development, marketing, sales, and other confidential related information; ability to function in a team and fast-paced environment., • Ability to display a high degree of creativity and latitude when performing job functions., • Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities., • Ability to readily adapt to change and champion the need for change; has a passion for business development, sales, marketing, other related functions; enjoys working in a team atmosphere., • Proven ability to develop profitable new business, close business deals and transactions, successfully sell banking products and services., • Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office (Word, Excel, Outlook, Access, PowerPoint, & Publisher), and Internet Explorer., • Demonstrated career achievements and academic excellence., • Must be mature, flexible, and energetic with a competitive and winning spirit. Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following: • Medical, Dental, Vision, and Prescription, • 401(k) Retirement Plan, • Life Insurance, • Accidental Death & Dismemberment, • Short&/Long Term Disability, • Flexible Spending Plan, • Paid Time Off, Vacation, and Holiday Pay, • Tuition Reimbursement, • Employer Assisted Housing Program EEO/AA • Wholesale Membership Program, • Wellness Program, • Employee Assistant Referral Services (EAP), • Legal Shield Program, • Group Cancer & Accident Insurance Programs, • Worker’s Compensation Program, • Free Banking Services, • Awards and Recognition Programs, • Training & Development Programs and much more

Job Description We’re Hiring! Residential Mortgage Loan Processor Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution’s values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth. Interested in this position and meet the qualifications and requirements? Apply at www.ctbconnect.com. Questions? Contact us at 404-575-8262. Position Summary: Responsibilities include but are not limited to the following: • Reviews and verify residential loan application files to verify that application data is complete and meets established standards, including but not limited to loan type and amount of mortgage, borrower(s) assets, liabilities, and length of employment, • Recommend loans be denied due to not meeting minimum standard, • Contact the credit bureau and employer to verify accuracy of information. May require submitting accurate information to credit bureau for verification and/or re-scoring purposes., • Facilitating the gathering of loan conditions and submission for final loan approval to meet established loan closing dates, • Communicate loan status to sales partners, • Develops and maintains knowledge of regulations and compliance while complying with company policies and secondary market requirements pertaining to credit/security standards and regulatory requirements relative to conventional, government and self-employed loans, among others; industry standard conveyance/settlement procedures; current real estate laws and appraisal requirements, • Have 2-3 years of experience processing FHA or VA loans preferred, • Keep abreast of changes in policies, standards, and regulations applicable to work units. Understand and apply local, state, and federal regulations relating to processing mortgage loans, • Promotes and provides excellent customer service by effectively communicating and cooperating with all internal and external customers, • The nature of communication activities involves distributing and exchanging information with others, working with confidential information, following up with customers, referring customers to appropriate person(s), composing correspondence and memoranda. Prepare documents and forms with accuracy and attention to detail, • Functionality and operation of software programs (i.e. word processing, spreadsheet and database) sufficient to perform job duties. Use of Automated systems for processing in order to verify and ensure the accuracy of data input/output, • General office practices and customer service skills. Operation of office equipment at an acceptable level of proficiency, • Interpretation and application of loan processing policies and procedures in order to correct errors and resolve discrepancies. Apply principles, practices, and regulations applicable to mortgage lending and secondary market, • Working as liaison between customer and loan officer, • Assisting loan officer with each file submission, • Understanding of appraisal and underwriting process, • Complete assigned work to meet deadlines in a high production environment, • Study a situation and decide on the course of action based on analysis and within scope of authority, • Contribute to productivity of team through mentoring newly hired processors, • To assist Team Manager with day-to-day functions Qualifications: • Minimum of three (3) years of mortgage loan processing and/or related experience, • Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure., • People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities., • Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes., • Ability to display a high degree of creativity and latitude when performing job functions., • Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities., • Must be mature, flexible, and energetic with a competitive and winning spirit. Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following: • Medical, Dental, Vision, and Prescription, • 401(k) Retirement Plan, • Life Insurance, • Accidental Death & Dismemberment, • Short&/Long Term Disability, • Flexible Spending Plan, • Paid Time Off, Vacation, and Holiday Pay, • Tuition Reimbursement, • Employer Assisted Housing Program EEO/AA • Wholesale Membership Program, • Wellness Program, • Employee Assistant Referral Services (EAP), • Legal Shield Program, • Group Cancer & Accident Insurance Programs, • Worker’s Compensation Program, • Free Banking Services, • Awards and Recognition Programs, • Training & Development Programs and much more

Job Description We’re Hiring! Durham, NC – Mortgage Loan Officer Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution’s values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth. Interested in this position and meet the qualifications and requirements? Apply at www.ctbconnect.com. Questions: Contact 404-575-8262. Position Summary: Responsibilities include but are not limited to the following: • Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions, • Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank, • Screens mortgage loan requests; educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations, • Obtains required information and documents from prospective loan clients and analyzes financial and credit data, • Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner, • Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers, • Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank, • Hosts and conducts homebuyers related seminars and educational sessions, • Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank’s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations, • Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives., • Maintains a sound working knowledge of all products, services, and solutions offered by the bank, its subsidiaries, strategic alliances, third-party vendors, and competitors. Stays abreast of all aspects of banking, business development, new banking trends, banking laws and regulations, developments, practices, and programs., • Demonstrates commitment to excellence; consistently provides superior customer service to all internal and external customers, vendors, service providers, and prospective customers; checks and promptly responds timely to all voice mail messages, e-mails, referrals, customer requests, and complaints received. Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards. Promotes a positive attitude and team approach to customer relationships. • Develops and executes business development and strategic plans for meeting production and sales goals and objectives; assists with marketing and public relations-related functions, projects, and efforts., • Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions., • Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals and those which are not being addressed adequately at the management l, • Protects customers’ information and interests; identifies and complies with all legal requirements, government and banking laws, regulations, and reporting affecting job, business development, sales, and related functions; adheres to all bank policies, procedures, processes, reporting, guidelines, training requirements, and expectations., • Proactively utilizes the bank’s customer relationship system, tools, programs, and other resources to meet goals and objectives., • Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested., • Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand., • Collaborates and cultivates effective relationships with all business lines for excellent results; obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment., • Exceeds all established performance and position’s goals, objectives, and expectations. Other Duties and Responsibilities: • Exhibits initiative and demonstrates a sense of urgency; prioritizes work assignments and projects, reacts to opportunities, instills urgency in others, and meets deadlines., • Responsible for exercising sound independent judgment and discretion while making profitable and solid decisions., • Assists department staff, management, and associates in understanding financial market performance trends, associated market risks, and opportunities for the bank., • Takes advantage of continuing education and training opportunities to enhance skills, knowledge base, and experience level., • Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately., • Performs other duties and responsibilities as assigned. Qualifications, Skills, and Abilities: • Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment, • Bachelor’s degree in finance, accounting, economics, marketing, business administration, or related field, • Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required, • Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures, • Excellent business development, mortgage, marketing, sales, customer relations, project management, leadership, and organizational skills; superior interpersonal, relationship management, research, and analytical abilities; strong financial reviewability., • Ability to establish credibility, respect, be decisive, establish good business and working relationships with customers, managers, officers, associates, business development and sales professionals, vendors, etc., • Strong problem solving, team building, planning, persuasive, and negotiation skills; effective oral and written communication, presentations, collaboration, and facilitation skills; superior customer service, listening, probing, and follow-up skills., • Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker, service-oriented, and good leadership qualities., • Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure., • People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities., • Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes., • High integrity with the ability to handle confidential matters with proven ability to protect and maintain the highly confidential nature of the company, customer, employee, business development, marketing, sales, and other confidential related information; ability to function in a team and fast-paced environment., • Ability to display a high degree of creativity and latitude when performing job functions., • Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities., • Ability to readily adapt to change and champion the need for change; has a passion for business development, sales, marketing, other related functions; enjoys working in a team atmosphere., • Proven ability to develop profitable new business, close business deals and transactions, successfully sell banking products and services., • Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office (Word, Excel, Outlook, Access, PowerPoint, & Publisher), and Internet Explorer., • Demonstrated career achievements and academic excellence., • Must be mature, flexible, and energetic with a competitive and winning spirit. Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following: • Medical, Dental, Vision, and Prescription, • 401(k) Retirement Plan, • Life Insurance, • Accidental Death & Dismemberment, • Short&/Long Term Disability, • Flexible Spending Plan, • Paid Time Off, Vacation, and Holiday Pay, • Tuition Reimbursement, • Employer Assisted Housing Program EEO/AA • Wholesale Membership Program, • Wellness Program, • Employee Assistant Referral Services (EAP), • Legal Shield Program, • Group Cancer & Accident Insurance Programs, • Worker’s Compensation Program, • Free Banking Services, • Awards and Recognition Programs, • Training & Development Programs and much more

Job Description We’re Hiring! HOUSTON METROPOLITAN– SENIOR COMMERCIAL RELATIONSHIP MANAGER Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution’s values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth. Interested in this position and meet the qualifications and requirements? Apply at www.ctbconnect.com. Questions? Contact us at 404-575-8262. Position Summary: Responsibilities include but are not limited to the following: • Targets and maintains extensive contact with individuals, businesses, and centers of influence with a focus on the metro Houston area; maintains extensive contact with customers and the community; plans and schedules proactive visits to prospective customers; aggressively competes for loans, deposits, and other banking relationships, establishes effective and lasting business relationships; responds quickly to referrals; evaluate the creditworthiness of prospective customers ahead of submission to underwriting., • Achieves all established goals, objectives, and expectations, including funded commercial loan goals, portfolio growth goals, deposit growth goals, fee goals, and other bank products, services, solutions, and objectives while increasing customer satisfaction., • Attends, participates, promotes, and represents the bank at business, professional, and community events, meetings, organizations, associations, programs, functions, and activities to support and broaden company image and visibility. Serves on company, business, and other bank-related professional committees, boards, and other related functions; participates in CRA activities, community organizations, and projects., • Analyzes, reviews, and structures new loan requests, including highly complex loans of various loan types and industries, while maintaining strong knowledge of the credit approval process and gathering and compiling financial documents to submit for the credit package., • Manages all aspects of relationships to ensure maximum profitability and credit quality, including new cross-sell business opportunities, loan renewals, and problem loans as needed., • Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives., • Maintains a sound working knowledge of all products, services, and solutions offered by the bank, its subsidiaries, strategic alliances, third-party vendors, and competitors. Stays abreast of all aspects of banking, business development, new banking trends, banking laws and regulations, developments, practices, and programs., • Demonstrates commitment to excellence; consistently provides superior customer service to all internal and external customers, vendors, service providers, and prospective customers; checks and promptly responds timely to all voice mail messages, e-mails, referrals, customer requests, and complaints received. Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards. Promotes a positive attitude and team approach to customer relationships. • Develops and executes business development and strategic plans for meeting production and sales goals and objectives; assists with marketing and public relations-related functions, projects, and efforts., • Maintains an updated pipeline report, call report, and prospect database on a weekly basis., • Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions., • Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals and those which are not being addressed adequately at the management level., • Assists with developing, evaluating, and updating business development and sales manuals, policies, procedures, guidelines, standards, goals, objectives, methods, and practices., • Protects customers’ information and interests; identifies and complies with all legal requirements, government and banking laws, regulations, and reporting affecting job, business development, sales, and related functions; adheres to all bank policies, procedures, processes, reporting, guidelines, training requirements, and expectations., • Proactively utilizes the bank’s customer relationship system, tools, programs, and other resources to meet goals and objectives., • Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested., • Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand., • Collaborates and cultivates effective relationships with all business lines for excellent results; obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment., • Exceeds all established performance and position’s goals, objectives, and expectations. Other Duties and Responsibilities: • Exhibits initiative and demonstrates a sense of urgency; prioritizes work assignments and projects, reacts to opportunities, instills urgency in others, and meets deadlines., • Responsible for exercising sound independent judgment and discretion while making profitable and solid decisions., • Assists department staff, management, and associates in understanding financial market performance trends, associated market risks, and opportunities for the bank., • Takes advantage of continuing education and training opportunities to enhance skills, knowledge base, and experience level., • Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately., • Performs other duties and responsibilities as assigned. Qualifications, Skills, and Abilities: • Minimum of three (3) years of progressive business development, marketing, and sales experience in a banking environment; credit and underwriting experience a plus., • Bachelor’s degree in finance, economics, business, accounting, marketing, communications, management, or a related field., • Series 7 and 63 Licenses are a plus., • Specialized training in business development, sales, marketing, and lending (commercial, consumer, mortgage, and SBA)., • Solid background and understanding of business development, industry trends and developments, marketing, and sales in a banking environment with broad knowledge of all banking products and services, customer relations, banking policies, procedures, guidelines, practices, concepts, state, federal, and local laws, and other regulations. • Excellent business development, marketing, sales, customer relations, project management, leadership, and organizational skills; superior interpersonal, relationship management, research, and analytical abilities; strong financial reviewability., • Ability to establish credibility, respect, be decisive, establish good business and working relationships with customers, managers, officers, associates, business development and sales professionals, vendors, etc., • Strong problem solving, team building, planning, persuasive, and negotiation skills; effective oral and written communication, presentations, collaboration, and facilitation skills; superior customer service, listening, probing, and follow-up skills., • Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker, service-oriented, and good leadership qualities., • Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure., • People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities., • Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes., • High integrity with the ability to handle confidential matters with proven ability to protect and maintain the highly confidential nature of the company, customer, employee, business development, marketing, sales, and other confidential related information; ability to function in a team and fast-paced environment., • Ability to display a high degree of creativity and latitude when performing job functions., • Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities., • Ability to readily adapt to change and champion the need for change; has a passion for business development, sales, marketing, other related functions; enjoys working in a team atmosphere., • Proven ability to develop profitable new business, close business deals and transactions, successfully sell banking products and services., • Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office (Word, Excel, Outlook, Access, PowerPoint, & Publisher), and Internet Explorer., • Demonstrated career achievements and academic excellence., • Must be mature, flexible, and energetic with a competitive and winning spirit. Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following: • Medical, Dental, Vision, and Prescription, • 401(k) Retirement Plan, • Life Insurance, • Accidental Death & Dismemberment, • Short&/Long Term Disability, • Flexible Spending Plan, • Paid Time Off, Vacation, and Holiday Pay, • Tuition Reimbursement, • Employer Assisted Housing Program EEO/AA • Wholesale Membership Program, • Wellness Program, • Employee Assistant Referral Services (EAP), • Legal Shield Program, • Group Cancer & Accident Insurance Programs, • Worker’s Compensation Program, • Free Banking Services, • Awards and Recognition Programs, • Training & Development Programs and much more #ZR

Job Description We’re Hiring! Senior Commercial Relationship Manager – Atlanta, Georgia Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers. We are committed to our institution’s values of Integrity, Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success. By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth. Interested in this position and meet the qualifications and requirements? Apply at www.ctbconnect.com. Questions? Contact us at 404-575-8262. Position Summary: Responsibilities include but are not limited to the following: • Targets and maintains extensive contact with individuals, businesses, and centers of influence with a focus on the metro Atlanta, Georgia area; maintains extensive contact with customers and the community; plans and schedules proactive visits to prospective customers; aggressively competes for loans, deposits, and other banking relationships, establishes effective and lasting business relationships; responds quickly to referrals; evaluate the creditworthiness of prospective customers ahead of submission to underwriting., • Achieves all established goals, objectives, and expectations, including funded commercial loan goals, portfolio growth goals, deposit growth goals, fee goals, and other bank products, services, solutions, and objectives while increasing customer satisfaction., • Attends, participates, promotes, and represents the bank at business, professional, and community events, meetings, organizations, associations, programs, functions, and activities to support and broaden company image and visibility. Serves on company, business, and other bank-related professional committees, boards, and other related functions; participates in CRA activities, community organizations, and projects., • Analyzes, reviews, and structures new loan requests, including highly complex loans of various loan types and industries, while maintaining strong knowledge of the credit approval process and gathering and compiling financial documents to submit for the credit package., • Manages all aspects of relationships to ensure maximum profitability and credit quality, including new cross-sell business opportunities, loan renewals, and problem loans as needed., • Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives., • Maintains a sound working knowledge of all products, services, and solutions offered by the bank, its subsidiaries, strategic alliances, third-party vendors, and competitors. Stays abreast of all aspects of banking, business development, new banking trends, banking laws and regulations, developments, practices, and programs., • Demonstrates commitment to excellence; consistently provides superior customer service to all internal and external customers, vendors, service providers, and prospective customers; checks and promptly responds timely to all voice mail messages, e-mails, referrals, customer requests, and complaints received., • Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards. Promotes a positive attitude and team approach to customer relationships., • Develops and executes business development and strategic plans for meeting production and sales goals and objectives; assists with marketing and public relations-related functions, projects, and efforts., • Maintains an updated pipeline report, call report, and prospect database on a weekly basis., • Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions., • Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals and those which are not being addressed adequately at the management level., • Assists with developing, evaluating, and updating business development and sales manuals, policies, procedures, guidelines, standards, goals, objectives, methods, and practices., • Protects customers’ information and interests; identifies and complies with all legal requirements, government and banking laws, regulations, and reporting affecting job, business development, sales, and related functions; adheres to all bank policies, procedures, processes, reporting, guidelines, training requirements, and expectations., • Proactively utilizes the bank’s customer relationship system, tools, programs, and other resources to meet goals and objectives., • Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested., • Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand., • Collaborates and cultivates effective relationships with all business lines for excellent results; obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment., • Exceeds all established performance and position’s goals, objectives, and expectations. Other Responsibilities: • Exhibits initiative and demonstrates a sense of urgency; prioritizes work assignments and projects, reacts to opportunities, instills urgency in others, and meets deadlines., • Responsible for exercising sound independent judgment and discretion while making profitable and solid decisions., • Assists department staff, management, and associates in understanding financial market performance trends, associated market risks, and opportunities for the bank., • Takes advantage of continuing education and training opportunities to enhance skills, knowledge base, and experience level., • Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately., • Performs other duties and responsibilities as assigned. Qualifications: • Minimum of three (3) years of progressive business development, marketing, and sales experience in a banking environment; credit and underwriting experience a plus., • Bachelor’s degree in finance, economics, business, accounting, marketing, communications, management, or a related field., • Series 7 and 63 Licenses are a plus., • Specialized training in business development, sales, marketing, and lending (commercial, consumer, mortgage, and SBA)., • Solid background and understanding of business development, industry trends and developments, marketing, and sales in a banking environment with broad knowledge of all banking products and services, customer relations, banking policies, procedures, guidelines, practices, concepts, state, federal, and local laws, and other regulations., • Excellent business development, marketing, sales, customer relations, project management, leadership, and organizational skills; superior interpersonal, relationship management, research, and analytical abilities; strong financial reviewability., • Ability to establish credibility, respect, be decisive, establish good business and working relationships with customers, managers, officers, associates, business development and sales professionals, vendors, etc., • Strong problem solving, team building, planning, persuasive, and negotiation skills; effective oral and written communication, presentations, collaboration, and facilitation skills; superior customer service, listening, probing, and follow-up skills., • Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker, service-oriented, and good leadership qualities., • Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure., • People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities., • Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes., • High integrity with the ability to handle confidential matters with proven ability to protect and maintain the highly confidential nature of the company, customer, employee, business development, marketing, sales, and other confidential related information; ability to function in a team and fast-paced environment., • Ability to display a high degree of creativity and latitude when performing job functions., • Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities., • Ability to readily adapt to change and champion the need for change; has a passion for business development, sales, marketing, other related functions; enjoys working in a team atmosphere., • Proven ability to develop profitable new business, close business deals and transactions, successfully sell banking products and services., • Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office (Word, Excel, Outlook, Access, PowerPoint, & Publisher), and Internet Explorer., • Demonstrated career achievements and academic excellence., • Must be mature, flexible, and energetic with a competitive and winning spirit. Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following: • Medical, Dental, Vision, and Prescription, • 401(k) Retirement Plan, • Life Insurance, • Accidental Death & Dismemberment, • Short&/Long Term Disability, • Flexible Spending Plan, • Paid Time Off, Vacation, and Holiday Pay, • Tuition Reimbursement, • Employer Assisted Housing Program EEO/AA #ZR • Wholesale Membership Program, • Wellness Program, • Employee Assistant Referral Services (EAP), • Legal Shield Program, • Group Cancer & Accident Insurance Programs, • Worker’s Compensation Program, • Free Banking Services, • Awards and Recognition Programs, • Training & Development Programs and much more

Job Description We’re Hiring! Senior Commercial Relationship Manager – Nashville, TN Step into the dynamic world of Citizens Trust Bank, where a century-long legacy meets today’s financial trends. We're all about customized financial services and innovative solutions to meet our awesome customers' ever-changing needs. With values like Integrity, Accountability, Respect, Innovation, Service Excellence Collaboration, and Leadership, we're on a mission to pave the way for financial success across generations. Joining the CTB team of professionals means engaging in a world of personal growth and professional triumphs. If you meet the qualifications and are eager to be part of our excellence-driven team, visit us at www.ctbconnect.com/careers to apply. Have questions or need to chat? Call us at 404-575-8262. We can't wait to welcome like-minded individuals who are all about chasing excellence and uplifting our community. Position Summary: Responsibilities include but are not limited to the following: • Targets and maintains extensive contact with individuals, businesses, and centers of influence with a focus on the metro Nashville, Tennessee area; maintains extensive contact with customers and the community; plans and schedules proactive visits to prospective customers; aggressively competes for loans, deposits, and other banking relationships, establishes effective and lasting business relationships; responds quickly to referrals; evaluate the creditworthiness of prospective customers ahead of submission to underwriting., • Achieves all established goals, objectives, and expectations, including funded commercial loan goals, portfolio growth goals, deposit growth goals, fee goals, and other bank products, services, solutions, and objectives while increasing customer satisfaction., • Attends, participates, promotes, and represents the bank at business, professional, and community events, meetings, organizations, associations, programs, functions, and activities to support and broaden company image and visibility. Serves on company, business, and other bank-related professional committees, boards, and other related functions; participates in CRA activities, community organizations, and projects., • Analyzes, reviews, and structures new loan requests, including highly complex loans of various loan types and industries, while maintaining strong knowledge of the credit approval process and gathering and compiling financial documents to submit for the credit package., • Manages all aspects of relationships to ensure maximum profitability and credit quality, including new cross-sell business opportunities, loan renewals, and problem loans as needed., • Works closely with other internal bank associates and departments to successfully accomplish overall production goals and objectives., • Maintains a sound working knowledge of all products, services, and solutions offered by the bank, its subsidiaries, strategic alliances, third-party vendors, and competitors. Stays abreast of all aspects of banking, business development, new banking trends, banking laws and regulations, developments, practices, and programs., • Demonstrates commitment to excellence; consistently provides superior customer service to all internal and external customers, vendors, service providers, and prospective customers; checks and promptly responds timely to all voice mail messages, e-mails, referrals, customer requests, and complaints received., • Regularly reviews workflow to ensure excellent customer service; adheres to department response turnaround standards. Promotes a positive attitude and team approach to customer relationships., • Develops and executes business development and strategic plans for meeting production and sales goals and objectives; assists with marketing and public relations-related functions, projects, and efforts., • Maintains an updated pipeline report, call report, and prospect database on a weekly basis., • Conducts research and assists with updating, enhancing, reviewing, identifying, developing, recommending, and implementing new banking products, services and solutions., • Informs the manager promptly of problems, issues, and concerns that may jeopardize the achievement of objectives and goals and those which are not being addressed adequately at the management level., • Assists with developing, evaluating, and updating business development and sales manuals, policies, procedures, guidelines, standards, goals, objectives, methods, and practices., • Protects customers’ information and interests; identifies and complies with all legal requirements, government and banking laws, regulations, and reporting affecting job, business development, sales, and related functions; adheres to all bank policies, procedures, processes, reporting, guidelines, training requirements, and expectations., • Proactively utilizes the bank’s customer relationship system, tools, programs, and other resources to meet goals and objectives., • Regularly attends Officer Loan Committee meetings, Director Loan Committee Meetings, Deal Flow Meetings, Sales Meetings, and other meetings as requested., • Demonstrates and maintains a consistent professional appearance, image, behavior, speech, attitude, ethics, integrity, and represents the CTB Brand., • Collaborates and cultivates effective relationships with all business lines for excellent results; obtains and maintains insight into needs and opportunities to ensure that customer expectations are exceeded; creates and promotes a positive and supportive work environment., • Exceeds all established performance and position’s goals, objectives, and expectations. Other Responsibilities: • Exhibits initiative and demonstrates a sense of urgency; prioritizes work assignments and projects, reacts to opportunities, instills urgency in others, and meets deadlines., • Responsible for exercising sound independent judgment and discretion while making profitable and solid decisions., • Assists department staff, management, and associates in understanding financial market performance trends, associated market risks, and opportunities for the bank., • Takes advantage of continuing education and training opportunities to enhance skills, knowledge base, and experience level., • Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately., • Performs other duties and responsibilities as assigned. Qualifications: • Minimum of three (3) years of progressive business development, marketing, and sales experience in a banking environment; credit and underwriting experience a plus., • Bachelor’s degree in finance, economics, business, accounting, marketing, communications, management, or a related field., • Series 7 and 63 Licenses are a plus., • Specialized training in business development, sales, marketing, and lending (commercial, consumer, mortgage, and SBA)., • Solid background and understanding of business development, industry trends and developments, marketing, and sales in a banking environment with broad knowledge of all banking products and services, customer relations, banking policies, procedures, guidelines, practices, concepts, state, federal, and local laws, and other regulations., • Excellent business development, marketing, sales, customer relations, project management, leadership, and organizational skills; superior interpersonal, relationship management, research, and analytical abilities; strong financial reviewability., • Ability to establish credibility, respect, be decisive, establish good business and working relationships with customers, managers, officers, associates, business development and sales professionals, vendors, etc., • Strong problem solving, team building, planning, persuasive, and negotiation skills; effective oral and written communication, presentations, collaboration, and facilitation skills; superior customer service, listening, probing, and follow-up skills., • Resourceful, detail-oriented, reliable, and flexible; strategic and logical thinker, service-oriented, and good leadership qualities., • Ability to adhere to the bank’s professional dress code and convey a positive and professional image to internal management and associates and external customers; ability to get along with diverse personalities, tactful, and mature with the ability to deal with difficult individuals while maintaining composure., • People and results-oriented; aggressive and assertive with a high energy level and the ability to work under deadlines, perform multiple tasks, and manage multiple projects in conjunction with normal activities., • Ability to meet performance goals, objectives, and deadlines; plans ahead, anticipates problems, and forecasts outcomes., • High integrity with the ability to handle confidential matters with proven ability to protect and maintain the highly confidential nature of the company, customer, employee, business development, marketing, sales, and other confidential related information; ability to function in a team and fast-paced environment., • Ability to display a high degree of creativity and latitude when performing job functions., • Ability to work well with others in a team environment and balance multiple tasks; strong analytical and reasoning abilities., • Ability to readily adapt to change and champion the need for change; has a passion for business development, sales, marketing, other related functions; enjoys working in a team atmosphere., • Proven ability to develop profitable new business, close business deals and transactions, successfully sell banking products and services., • Innovative, digital, and technology-savvy; proficient personal computer skills with Windows, Microsoft Office (Word, Excel, Outlook, Access, PowerPoint, & Publisher), and Internet Explorer., • Demonstrated career achievements and academic excellence., • Must be mature, flexible, and energetic with a competitive and winning spirit. Citizens Trust Bank is committed to investing in our associates, cultivating a rewarding, results-driven, innovative and professional team. We offer competitive compensation and a comprehensive benefits package for our full-time associates. Our benefits package includes the following: • Medical, Dental, Vision, and Prescription, • 401(k) Retirement Plan, • Life Insurance, • Accidental Death & Dismemberment, • Short&/Long Term Disability, • Flexible Spending Plan, • Paid Time Off, Vacation, and Holiday Pay, • Tuition Reimbursement, • Employer Assisted Housing Program EEO/AA • Wholesale Membership Program, • Wellness Program, • Employee Assistant Referral Services (EAP), • Legal Shield Program, • Group Cancer & Accident Insurance Programs, • Worker’s Compensation Program, • Free Banking Services, • Awards and Recognition Programs, • Training & Development Programs and much more

Job DescriptionDescription: The Member Solutions Manager will partner with a team of collectors to ensure effective and timely review and resolution of past due consumer ,mortgage, commercial, collateralized and personal loan accounts, while protecting the credit union’s assets, financial interest and reputation. Take a proactive approach to identify effective solutions on past due accounts that benefit both the borrower and the credit union… Maintain an effective delinquency control and follow-up program for all loans that are delinquent, potentially delinquent, or charged-off. To protect the assets of the Credit Union and the credit reputation of the member, when possible. Requirements: § Maintain an efficient and highly effective collection process. § Responsible for production and results of the collections staff, including monitoring of all past due accounts to include reporting via multiple software systems such as Excel and other reporting software. § Manage the collections efforts of the outsourced collections vendor. § Ensuring all consumer account collection activity, including collateral repossession, mortgage foreclosure, liquidation, and subsequent charge-off process meet credit union, state and federal lending regulations. § Manages all aspects of departmental staffing, to include hiring, training, coaching, counseling, performance evaluation, and if necessary, termination. § In conjunction with the Chief Operating Officer and Chief Financial Officer sets departmental goals and establishes performance minimums. Monitors production of all personnel by tracking goals on a monthly basis. § Responsible for policy and procedures updates as necessary. § Responsible for managing all third party vendor relationships related to collections, including JMFA and its Privilege Manager program related to negative balances, the credit union’s repossession and remarketing vendor for automobiles, collections attorneys, CPI (forced place insurance), and filing claims with our default insurance company after repossessed units are sold. § Monitor closely with third party vendor to ensure that all collection efforts are carried out in accordance with established policies and procedures. § Submit requests for extensions and modifications for approval. § Monitor and track payment history for loans that have been extended or modified. § For advanced cases of delinquency, determine delinquency causes and establish proper corrective action in a timely and efficient manner. § Establish/maintain interdepartmental relationships to ensure proper account maintenance and resolution. § Prepares monthly watch list of loans and recommends reserve allocations for the ALLL. § Ensures all loan and negative share/share draft letters and notices are generated daily and mailed out. § Ensures all past due accounts are worked regularly and followed up in a timely manner. § Update and log activity on accounts through delinquent loan recovery system. § Represent the Credit Union in any court actions instituted by the Credit Union attorneys on delinquent loans, as directed. § Submit regular status reports to the Chief Operating and Chief Financial Officers § Ensures delinquent and charged-off accounts are properly reported to collection agencies. § Prepare charge-off reports, end of month reports and collection agency reports § File bankruptcy claims and follow -up with attorneys on legal action § Ensures credit disputes are input into EOscar system. § Process payments from bankruptcy trustees and from Collections vendor § Maintain accurate records of all required logs/reports § Properly protect member information and fully abide by all governing rules/regulations § GPS : Installation, tracking and termination in timely manner § CPI : Skip tracing filing and payment received in timely manner, Insurance issues resolution § JMFA Reporting, Compliance letters, managing the program with training schedules § AUD/ACDV disputes responding § Process Charge off in system, Credit card § Process negative charge of fin system, JMFA and Chex systems § Updating chex system when charge off pd off § Attorney follow up on garnishment and other issues § Open lending claims filing and follow up § Notices for repo, sale and deficiency balance, 2nd deficiency as well § Cross collateralized letters § Provide Pay off letters § Release lien in VINtek § Pd Off Loan in Open lending § Research members accounts if decease, Provide accurate information § New cases with Synergent § All other duties as assigned by Supervisors. EDUCATION: Bachelor’s degree or related equivalent in experience SKILLS: • Three-five years experience managing a Collections Department., • Accounting experience preferred, • Computer skills, Microsoft Word and Excel., • Pleasant and neat appearance., • Organization and time management skills; ability to meet deadlines, • Ability to work independently without direct supervision, • Ability to maintain professional demeanor in high pressure situations, • Strong knowledge of collections and lending procedures, practices and lending qualifications associated with the loan processing and underwriting profession., • Must be familiar with mortgage and consumer collections, repossession, and credit reporting laws and requirements., • Must possess the ability to remain calm, patient, objective, and professional when presented with difficult situations., • Must be able to work in a time sensitive environment, making sound decisions, communicating these decision to members as well as internal staff., • Excellent communication and organizational skills.

The Mortgage Loan Originator (MLO) reports to a direct Branch Manager and is responsible for originating residential mortgage loans that meet Silverton's guidelines. Mortgage Loan Officers are responsible for abiding by and remaining in compliance with all Federal and State laws governing the mortga

The Compliance Officer chairs the BankSouth Mortgage Compliance Committee and shares oversight of two direct reports alongside the Compliance Manager. Minimum 5 years of compliance experience, with at least 2 years in mortgage lending; OR minimum 5 years of mortgage banking experience, with at least

Job Description Calling all Top Producers or Current Branch Managers! Are you a top producer waiting for your chance to run your own office, or an established Branch Manager looking for stability in uncertain times? Now is the time to make a move – lets talk! At Mutual of Omaha Mortgage, Branch Managers oversee and serve many duties including: sales, recruiting, administration, staff supervision and client networking. Let us take care of the processing! Branch Managers work strategically with their sales team in collaboration with operations staff; overseeing their branches responsibilities for active production and pipeline management. This position has a $36,000 base salary plus incentive pay. Branch Managers are in charge of all activities at the branch, adhering to company policies and guidelines, and serve as the liaison to all other divisions of the company and executive leadership team. If you want to work with a winning team and a legendary brand name, this is the place. Additional Responsibilities Include: • Stay current and up to date on all loan program guidelines (FHA, VA, FNMA, FHLMC) and federal and state regulations., • Collaborate with corporate management and executive management team to execute company goals and sales, • Coordinate sales and operations team meetings according to company’s objectives and goals, • Conduct trainings according to industry and company updates, • Tracking and improving employee performance, including daily pipeline review and management, • Meet all company sales goals, • Recruit top mortgage professionals, • Maintain and develop new marketing strategies, • Develop and maintain strategic client relationships that are congruent with Mutual of Omaha Mortgage’s corporate objectives and goal, • Calculate, review, and submit employee commission statements and payroll according to accounting and payroll guidelines and deadlines Requirements: • Minimum 2 years recent experience as a Mortgage Branch Manager with proven production history, • Robust knowledge of FNMA/FHLMC and FHA/VA programs, • Working knowledge of Encompass and Velocify (Leads 360) Mutual of Omaha Mortgage is an Equal Opportunity Employer, and we encourage diverse, talented, qualified applicants to apply. We offer an extensive compensation package. Benefits include: • Paid Sick Time — 40 hours of paid sick time after 90 days of employment. State sick time requirements will be added as needed., • 9 Paid Holidays + 1 Cultural Celebration Day (Floating Holiday), • Multiple PPO Medical Plans, as well as HDHP eligible plan., • Dental Coverage, • Vision Coverage, • Company Paid Life Insurance, • Additional Benefits including – Optional Life, FSA, Pet Insurance etc., • 401K with a generous employer match, • Free Legal Services, • Employee Loan Program Powered by JazzHR 1L0Jomrn6X

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