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Career Opportunities

RETAIL BRANCH ADMINISTRATOR
 

POSITION SUMMARY:

Effectively plans, directs, and manages all aspects of Retail Banking including the Bank’s branch network, retail design, and retail electronic banking services in conformance with the Bank’s strategic goals and objectives. Must understand customer needs for traditional and electronic banking services, manage budgets, and recommend changes to current products to best meet bank and customer needs. This individual will lead, manage, and hold accountable all sales and service staff. 

ESSENTIAL FUNCTIONS:

  • Develops a comprehensive understanding of the marketplaces the Bank serves, researching and analyzing products and services, market trends, customer needs, etc.
  • Works with senior management to define the vision, scope and requirements for the Bank’s traditional retail services and retail electronic banking services.
  • Evaluate the proper staffing levels based on customer activity. Ensures the retail offices are staffed with competent personnel and oversees the development of personnel to assure a high level of product knowledge, operational and technical understanding.
  • Coordinates with back-office customer service to ensure a superior customer service experience and increase efficiency as customer behaviors change.
  • Instills and maintains a culture which promotes customer engagement and loyalty, employee growth and development, with a focus on sustainable profitability and financial stability.
  • In partnership with the Electronic Banking Officer, researches, selects, and implements the Bank’s electronic retail banking services,
  • Oversees the implementation of new services and strategies or updates current products and services as dictated by Bank and customer needs that are consistent with the Bank’s strategic plan.
  • Creates new value and new efficiencies through the smart use of digital tools, platforms, technologies, services and processes.
  • Reviews products and services offered by the Bank’s competition and ensures a competitive response.
  • Works with Marketing to increase usage of retail electronic banking delivery channels.
  • Takes a leadership role in civic and community affairs to promote and maintain the community bank image of the organization and to develop additional business.
  • Directs sales management and new business development activities within retail banking.
  • Prepares financial and regulatory reports required by law, regulations and the Board of Directors. Ensures Branch Procedure manuals are kept up to date.
  • Addresses customer complaints and questions; provides financial counseling to customers.
  • Keeps abreast of trends and developments within retail banking and participates in job related courses, seminars, webinars, conferences, etc.
  • Other job-related responsibilities as may be assigned.
Special Projects:
  • Assigned special projects as appropriate.
 Supervising Responsibilities:
  • Directly: All Retail Office Managers
POSITION QUALIFICATIONS:
  • Bachelor’s degree in business, finance or related field with 6 – 8 years of experience in a financial institution front line/back office related area or equivalent financial related experience
  • Thorough understanding of banking products and services
  • Proficient in the use of electronic banking products
  • Experience with various software programs related to branch operations
  • Strong management, supervisory, training and human resource skills.
  • Strong sales and communications skills (both written and verbal).
  • Thorough understanding of Bank policies and procedures and bank regulations
  • Successful completion of any compliance training deemed necessary by the Bank.
  • Ability to perform under stress when confronted with emergency or unusual situations.
  • Good interpersonal skills; ability to interact with all levels of staff and management. Ability to influence people in their opinions, attitudes, or judgments about ideas or things; to motivate, convince, or negotiate.
  • Frequently work or visit one or more buildings of the Bank.
  • Competent in the use of Microsoft Office, especially Word, Excel, and PowerPoint
  • Ability to compute rate, ratio, discount, interest, profit and loss, commission, percentages, and apply basic arithmetic and mathematics to help resolve problem solving situations.
  • Ability to lift 40-60 pounds occasionally and/or up to 20 pounds frequently, and/or up to 10 pounds constantly to move objects.
  • Ability to accept responsibility for the direction, control, planning, organizing, directing, formulating practices, or making final decisions.
  • Ability to perform a variety of duties, often changing from one task to another of a different nature without loss of efficiency or composure.
  • Ability to exchange information with others clearly and concisely; to present ideas, facts, and technical information.
  • Ability to identify task requirements and monitor progress toward accomplishment.
  • Ability to maintain relationships that facilitate task accomplishment; to cooperate and resolve conflicts; to recognize needs and be sensitive to others.
  • Ability to receive guidance and supervision; follow work rules, work procedures; meet deadlines, punctuality and attendance standards, etc.
  • Ability to systematically identify and define problems, evaluate alternatives, and implement cost effective solutions.

Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.
For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com.
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer
 




PERSONAL BANKER

 
POSITION SUMMARY : 
A “universal banker” is a cross-trained employee capable of performing teller and customer service representative tasks.  A “universal banker” is familiar with bank products and services and possesses above average communications, computer, and cash handling accuracy skills in order to service bank customers as a transaction processor, service provider, and financial counselor all in one.
 
The Personal Banker establishes and maintains a satisfied customer base by providing superior banking services in a professional manner through platform and counter-based transactions following the Universal Banker model. The Personal Banker assesses the financial goals of customers and prospects and recommends appropriate needs-based products and services.  The Personal Banker strives to build new and expand existing customer relationships through selling and/or referrals.  The Personal Banker may provide coaching to less experienced branch staff. 
 
ESSENTIAL FUNCTIONS:
  • Engages customers and prospects in a prompt and professional manner and provides an exceptional customer experience through interactions at the teller counter and the platform.
  • Utilizes knowledge of products and services to meet the customer’s financial needs.    
  • Resolves customer complaints/problems in a tactful, effective manner to ensure that resolutions and follow-ups are completed in a timely and accurate manner. 
  • Processes customer transactions with accuracy and efficiency. 
  • Adheres to all operational policies and procedures including daily opening and closing routines. 
  • Balances cashbox at end of work shift and verifies cash totals.  Reports any discrepancies to the scheduled supervisor.
  • Adheres to all security and regulatory policies and procedures, including Bank Secrecy Act requirements, currency reporting requirements, check processing and funds availability guidelines, and all other position related regulations, policies and best practices.
  • Maintains thorough knowledge of the Bank’s deposit policies, procedures, products and services, applicable banking regulations, estate and probate laws.
  • Opens accounts and possesses sound knowledge of the features and benefits of the Bank’s products and services.  
  • Understands FDIC insurance rules and regulations and assists customers in protecting their deposit accounts through the use of various account ownership arrangements.
  • Maintains thorough knowledge of the Bank’s loan policies, procedures, products and services and applicable banking regulations. 
  • Partners closely with the branch management team to support and contribute to the branch sales goal achievement; contributes to the management of risk, operational efficiencies and overall objectives of the Bank. 
  • Interacts daily with consumer and business markets to achieve new customer growth and expand relationships with existing customers; maintains a system of orderly on-boarding by mail and telephone with new customers to generate additional business.
  • Participates in skill-building training programs offered by the Bank and professionally administered educational programs. 
  • Participates in bank and branch meetings. 
  • Supports bank and branch community efforts and initiatives.
 
REQUIRED EDUCATION, EXPERIENCE, AND SKILLS:
  • High School education along with a minimum of 2 – 3 years prior work experience which includes customer service, cash handling, sales and interpersonal skills, or some comparable combination of education and experience.
  • Proficient oral and written communication skills.  Proficient computer and math skills; ability to operate a personal computer and other standard office equipment.
  • Ability to perform a variety of duties, often changing from one desk to another of a different nature without loss of efficiency or composure.
  • Ability to influence people in their opinions, attitudes, or judgments about ideas or things; to motivate, convince or negotiate.  Ability to deal with people beyond giving and receiving instructions such as in a team, supervisory, marketing or counseling setting.
  • Ability to receive guidance and supervision, follow work rules and work procedures; meet deadlines, punctuality and attendance standards.
  • Ability to successfully complete transaction processing training, new accounts training and any other Universal Banker skills training or compliance training deemed necessary by the Bank.
  • Familiarity with financial institution deposit and loan products and services.
  • Ability to obtain an NMLS identification number with the Nationwide Mortgage Licensing system and Registry in accordance with the SAFE Act.
 
Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.
For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com.
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer
 

COMMERCIAL LOAN SERVICER

 
POSITION SUMMARY:
Complex analytical, critical thinking, administrative and data entry position providing support to the lending function and service to internal and external customers, in processing and servicing loan accounts, and in maintenance of loan records.
 
ESSENTIAL FUNCTIONS:
Processes a variety of information, documents, security instruments, computerized records, and files pertaining to Commercial and Industrial Loans, Commercial Real Estate Loans, Construction Loans, USDA, SBA, Lines of Credit, and new loan products as developed. Specific assignments include but are not limited to:
  • Processing loan payments, funding new loans, performing critical analysis of loan documents to support maintenance changes and system updates, performing data entry for renewals, processing rate changes, and processing modifications to loan terms and/or conditions.
  • Processing line of credit and construction advance requests, verifying that appropriate documentation and approvals have been obtained.
  • Processing and balancing participation loan payments and advances, including but not limited to USDA, SBA, Condo Association, etc.
  • Processing loan payoff requests and payments; ensuring customer documents are returned in accordance with loan terms and the Association’s policies and procedures.
  • Processing loan charge off transactions and ensuring appropriate compliance with Accounting concepts and guidelines.
  • Monitoring and processing letter of credit renewals, ensuring receipt of proper approvals, fees, and maturity extensions, as applicable.
  • Perform new loan and modification quality assurance reviews and document the files as defined in the Association’s policies and procedures.
  • Monitoring hazard, liability, flood, and builders risk insurances for commercial loans according to the Association’s policies and procedures.
  • Monitoring and tracking commercial loan collateral located in flood zones and ensuring adherence with regulatory requirements.
  • Monitoring real estate tax payments reporting for delinquent real estate tax payments; providing Management with delinquency reporting.
  • Obtaining current rate indexes and maintaining indices for adjustable rate loans based on loan types.
  • Monitoring and updating systems as necessary to reflect proper margin adherence and borrowing base valuations.
  • Balancing general ledger accounts.
  • Balancing participation loans, USDA loans, and SBA loans; perform SBA 1502 reporting and remittances.
  • Assist with the creation, enhancement, validation, and testing of departmental procedures.
  • Consistently seek opportunities to improve processes while maintaining quality and accuracy.
  • Assist Loan Officers and Loan Assistants with customer research.
  • Assist others with miscellaneous activities as time and capabilities permit.
 
REQUIRED EDUCATION, EXPERIENCE, AND SKILLS:
  1. High school diploma or equivalent with two to four years of experience in a commercial loan processing environment.
  2. Strong customer service orientation.
  3. Solid understanding of the organization’s loan products and services.
  4. Working knowledge of loan documents and requirements.
  5. Working knowledge of all regulatory lending compliance regulations.
  6. Working knowledge of the Bank’s policies and procedures.
  7. Demonstrates a comprehensive understanding of Accounting principles and applies knowledge to the processing of Charge Offs and other Collections-type activities.
  8. Excellent follow-up and organizational skills.
  9. Proficient operation of the Bank’s core processing system (Insight), loan documentation software (CSi) and Microsoft Software such as Word, Excel, and Outlook.
  10. Ability to learn quickly with a strong attention to detail and problem-solving.
  11. Ability to perform under stress when confronted with critical timeline constraints and large work volumes. 
Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.
For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com.
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer

CREDIT ANALYST

The Credit Analyst will analyze all relevant credit and financial data on new, renewal and existing loans to evaluate the creditworthiness of the prospect and/or existing borrowers in order to assist with the loan decision-making process.
Responsibilities:
  • Spreading of financial statements within our statement spreading software.
  • Preparation of spreadsheets and a written report and analysis for the Commercial Lending staff.
  • Remains independent of the lending decision to help ensure the highest loan quality and adherence to loan policies, regulations and legislation.
  • Works with the Commercial Lending Department to support quality growth of the loan portfolio.
Position Requirements:
  • Bachelor’s degree in business, finance or accounting with 3 to 5+ years progressive work experience that include bank credit responsibilities.
  • Must have financial analysis and loan underwriting experience and have held a position as a credit analyst or possess an equivalent combination of work experience and education.
  • Strong skills in commercial real estate analysis as well as C&I loans, to include documentation skills. Including proficiency in spreadsheets and word-processing.
  • Completion of a credit-training program is desired.
  • Experience with collections or workouts is preferred.
  • Experience with Abrigo is a plus.
This position requires an experienced Credit Analyst who is able to work professionally with staff and co-workers in a positive manner while exchanging and presenting ideas, facts and technical information in a clear and consistent manner; both verbally and written. The qualified Analyst must be able to perform under stress when confronted with critical time constraints and large work volumes.
 
Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.
For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com.
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer

 

Benefits

Looking for a career opportunity at a CT bank that's personally and professionally rewarding? We're looking for people who share our commitment to providing excellent customer service. And we support our employees with multiple benefits:

  • Competitive Salary
  • Group Insurance
  • Paid Time Off
  • Tuition Reimbursement