Employment Opportunities

Treasury Management Assistant Manager

LOCATION: 7310 Woodward Ave., Detroit

SUMMARY:

Acts on behalf of the Municipal and Large Corporate Clients to ensure satisfaction with Treasury Management products, which could include working with IT, Sales, Credit, and Operations.  Service relationships according to Bank policy and procedures by making relevant decisions and providing product training as required.

RESPONSIBILITIES:

Client interaction:

  • Ensures client satisfaction, timely responses to client requests and corrective action as necessary
  • Take ownership and deliver timely resolutions of customer issues.
  • Problem resolution on all Treasury Management & Credit services including working with IT, Product Management and Operations
  • Research items hitting Treasury Management products
  • Train clients on general Treasury Management products
  • Cross-sell, depending on customer issue, communicate with Treasury Management Officer
  • Client visit where required for implementation of services, client reviews, problem resolution
  • Remain Compliant with all paperwork
  • Complete all set up, new account documentation and updates to accounts documentation within bank procedures.
  • Open accounts in Business Process Manager
  • Run reports in Business Analysts
  • Meet or exceed assigned business goals

IMPLEMENTATION:

  • Take ownership and facilitate all setups between TMO and Client
  • Verifying exception pricing during preliminary work-up
  • Ensures open communication with Treasury Management Officer. Loan Officer, Operations and clients during implementation period
  • Follow-up calls to customer to ensure services are working properly
  • Opening of Municipal and Corporate DDA’s, Savings and CD’s

DUTIES:

  • Tracking Reports
  • Assistance for Sales: Proof reading proposals, binding of proposals, annual reviews, mailings, problem log, phone coverage
  • Maintain proper documentation and files, implement set up of Treasury Management products for Business Online, Merchant Processing Credit Card Processing, Remote Deposit, Pay Card program, Account Reconcilement, Positive Pay, ACH Manager, Wire Manager, Bill Pay, Multi Card (Purchase Card) and Merchant Services (electronic and hard copies)
  • Special projects

EDUCATION AND/OR EXPERIENCE:

  • 1 – 2 years of servicing treasury management products experience preferred
  • 2 – 3 years of teller experience preferred
  • College Degree required

Management reserves the right to change this job description at any time according to business needs.

Treasury Management Sales Associate

LOCATION: 7310 Woodward Ave., Detroit

SUMMARY:

Performs administrative and analytical duties; acts as liaison between Business Development Officer and corporate customers and prospects; conducts special projects; resolves problems; performs research; processes new client implementations; keeps management informed of special customer needs or problems.

RESPONSIBILITIES:

Responsible for supporting all treasury management clerical functions, including opening depository accounts, online banking, account reconcilement, positive pay, wire transfers, ACH, Remote Deposit and assisting treasury management customers.

REQUIREMENTS:

  • Thrive on supporting relationship managers, by completing Pro Formas, RFPS, financial analysis and managing projects
  • Has a strong merchant background likes to juggle many projects at once but is detailed with excellent time and project management skills
  • Serve as a liaison between the customer, the sales officer, and the implementation team to ensure a satisfactory implementation experience
  • Be responsible for having a strong knowledge of the portfolio to successfully analyze decisions made for the client
  • Provide sales backup for the TM Sales Officer and may conduct joint sales calls with the TM Sales Officers and Relationship Managers
  • Meet or Exceed assigned deposit and product goals monthly
  • Strong analytical, negotiation and problem-solving skills
  • Good listening and creative thinking skills
  • Comprehensive knowledge of teller banking
  • Excellent communication and presentation skills
  • Highly organized and detail oriented 
  • Ability to adapt quickly to changing situations and priorities 
  • Ability to work without significant supervision in a team-focused environment
  • Possesses the ability to mobilize internal resources to ensure completion of required tasks
  • Proficient in Microsoft office suite of products including Excel, Word and PowerPoint
  • Complete the implementation and servicing of the treasury services requested by clients
  • Comply with the Bank’s compliance requirements including BSA, OFAC and USA Patriot act

 EDUCATION AND/OR EXPERIENCE:

  • Associates degree or higher
  • Preferred 1to 2 years of servicing treasury management products/services experience
  • 2 to 3 years of teller experience

Management reserves the right to change this job description at any time according to business needs.

Branch Manager

LOCATION: All

SUMMARY:

Responsible for leading, managing and coaching a team of sales and service professionals to meet and exceed sales goals, ensure the operational excellence of the branch and create an excellent customer experience. The Branch Manager will oversee all branch functions including taking full responsibility for the branch’s performance – both sales and operations. Lead the branch to success by cultivating long-term business and consumer relationships to ensure branch sales growth and customer retention, and effectively resolves issues with customers and associates. Operates with less authority and experience than a Sr. Branch Manager.

RESPONSIBILITIES:

  • Promote and model the First Independence Bank values. Set clear expectations and measurable outcomes, while coaching and developing the branch team.  Observe the branch team from the perspective of the customer, and coach on the proper execution of the sales formula and prioritize work while modeling the desired behaviors.  When appropriate, provide disciplinary actions and exit non-performers while adhering to company policies.  Successfully recruits and hires the appropriate staff to deliver on expectations.
  • Oversee all sales activity in the branch by driving, supporting and achieving monthly sales goals.  Regularly communicate branch performance and priorities with all team members.   Stay informed of key priorities and business updates.  Execute Retail Banking sales processes.  Ensure collaboration between branch team members and business partners (MLOs, and Commercial Bankers). This may include participation in ‘Call Nights’.
  • Make regular outside sales calls to develop and deepen business relationships. Foster and develop relationships with business customers that fit the First Independence Bank model to attain goals, executing enough sales calls per week to ensure success.
  • Promote and model the company standard of always doing what is best for the customer by providing recommendations to improve the financial quality of their life.  Ensure an excellent customer experience by being knowledgeable of all bank products and services, providing outstanding customer service, and resolving problems to prevent customer dissatisfaction.    
  • Establishes business contacts and networks through community events and activities. The Branch Manager will personally be involved and known in their community.
  • Ensure operational efficiency and accuracy as it relates to all policies, procedures, compliance, origination, corporate audits, fee schedules, work schedules, and the overall branch operation. Coach and oversee the Assistant Branch Manager (if applicable) to run an effective and efficient overall operation.
  • Create Center of Influence (COE) with various partners

 REQUIREMENTS:

  • 2+ years branch banking management experience required – OR- 4+ years branch banking experience with First Independence Bank demonstrated leadership, proven sales results, and success in current role (internal only)
  • NMLS Registration required
  • HS Diploma, GED or Foreign Equivalent – Bachelor’s Degree Preferred
  • Proven customer service skills and the ability to resolve problems and prevent customer dissatisfaction
  • Demonstrated effectiveness in managing operational requirements and procedures in a Retail Bank
  • Desire and willingness to call on prospects and existing clients for sales opportunities. Proven sales execution.
  • Proven record of developing and coaching high-performance sales and service teams.
  • Proven ability to lead people, projects, sales campaigns, etc. for the market.
  • Proven track record of exceeding goal expectations by exemplifying appropriate behaviors and values.
  • Strong listening, verbal and written communication skills
  • Demonstrated ability to work well in a team environment
  • Demonstrated ability to follow company policies, guidelines and procedures
  • Strong attention to detail and ability to multi-task
  • Demonstrated ability to maintain confidentiality using tact and diplomacy
  • Maintain professional dress attire and demeanor
  • Ability to work branch hours, including weekends and some evenings
  • Proven ability to deliver results
  • Ability to inspire others and to work with employees at all levels
  • Travel requirements (10-20% minimum weekly time spent away from home office)

EDUCATION AND/OR EXPERIENCE

  • Bachelor’s degree from an accredited University OR 4 years of experience in Financial Service
  • 4 years of experience in management with staff development
  • 4 years of experience in Consumer/Business sales development
  • 1 year of experience utilizing Microsoft Office Products including Word, Excel and PowerPoint

Management reserves the right to change this job description at any time according to business needs.

Mortgage Underwriter/Consumer Credit Underwriter

SUMMARY:  This position is responsible for analyzing mortgage loans applications for compliance with investor and internal lending requirements.  The incumbent must be knowledgeable on guidelines set by the Bank, our end investors, and FNMA, FHLMC, VA and FHA.  In addition, it requires a strong working relationship with the internal personnel.  Position also involves internal consumer credit underwriting in conjunction s with the consumer lending department.

LOCATION: 38880 Garfield Rd., Clinton Township

RESPONSIBILITIES:

An individual who successfully performs in this position will be able to satisfy the following essential functions with moderate to low direction from Management:

  • Reviews loans to ensure compliance with loan program guidelines
  • Assists processors with analyzing income, credit, and property appraisals
  • Learns investor guidelines, lending policies, and the required documentation, policy and procedures of First Independence Bank
  • Communicates with processors and loan officers on loan conditions and statuses via phone and email
  • Provides guidance to processors and loan officers via Microsoft TEAMS or similar screen-sharing technologies
  • Makes decisions quickly and independently
  • Reviews AVM, IRA tax transcripts, Fraudguard and any other third-party resource utilized to validate accuracy of data in the loan application
  • Identifies alternative programs when requested program does not fit and/or provides required actions with necessary timeline to obtain a loan

EDUCATION AND/OR EXPERIENCE:

  • High School Diploma or equivalent
  • Minimum of 2-5 years’ experience processing or underwriting residential mortgage loans
  • Ability to interact with sales and processing to ensure progress and loan quality
  • Ability to make quick decisions independently and with conviction.
  • Ability to manage multiple deadlines in a rapidly changing environment
  • Knowledge of MS Office Suite, knowledge of MortgageBot Loan Origination System a plus

Management reserves the right to change this job description at any time according to business needs.

Loan/Lease Administrator

SUMMARY: Primary duty is to assist Portfolio Manager and Lender with the Commercial Finance portfolio.  Must be reliable, organized and capable of multi-tasking daily and must be able to communicate well with staff and customers.

LOCATION: 7310 Woodward Ave., Detroit

RESPONSIBILITIES:

  • Process and booking of all leases on Fiserv system:
    • New leases
    • Modifications
    • Renewals
    • Extensions
    • Cross-Training to assist with month-end loan bookings
  • The booking includes:
    • initial tickler setup
    • UCC-filing initial, continuations and terminations; tracking all UCCs using the tickler system on Fiserv
    • Authorizing invoices for vendor payment
    • File assembly for each type of lease
  • Exception Reports:
    • Provide information to set up documentation, financials, insurance exceptions on appropriate reports and update as needed
    • Monitor for final payments to be pulled manually
  • Lease File Maintenance:
    • Update any changes to the Fiserv system required, including insurance, financials, miscellaneous addenda’s, tickers, UCC information, coding. etc.
  • Paid Off Lease Processing (monthly):
    • Process lease paid off files
  • Invoicing and Payment Processing:
    • Create and mail monthly invoices
    • Process daily lease payments
    • Review past dues; follow up with email and/or phone tracking
  • Coupon Book Orders and Invoices:
    • Order/reorder coupon books as needed
    • Track, balance and authorize payment for coupon invoices monthly
  • Customer Service/Research (daily):
    • Handle phone calls and e-mail received
  • Overall additional duties:
    • Take ownership of job function and ensure procedures and checklists are up to date
    • Streamline and improve any processes as needed
    • Work with Portfolio Manager to learn complete Commercial Finance/Discount Lease processes including checklists, documentation and follow up
    • Assist in document scanning into Fiserv (new process)
    • Learn/Use Bill Matrix and TMS functions on Fiserv to take and/or post lease payments
    • Shared responsibility with Loan Operations of Fiserv Source Machine for daily closing
    • Fill out appropriate reports for board reporting/follow department processes for other board and monthly reporting

Other duties as assigned by Management including but not limited to working on procedures for each of their own job responsibilities.

Retail Mortgage Loan Officer

SUMMARY: Based out of our Clinton Twp., location our Loan Officers respond to customer inquiries and referrals regarding our financing products.

LOCATION: 38880 Garfield Rd., Clinton Township

RESPONSIBILITIES:

  • Interacting with clients during all aspects of loan process
  • Participate in business related development opportunities that promote homeownership and professional organizations
  • Conducts interviews with prospective borrowers
  • Advise customers on products/pricing policies and guidelines
  • Maintains thorough knowledge of lending programs, policies, procedures and regulatory requirements
  • Demonstrates a commitment to professional ethics
  • Complies with all Federal and State compliance policies
  • Adheres to the Home Mortgage Disclosure Act (HMDA) requirements
  • Any other responsibilities that are needed or assigned

REQUIREMENTS:

  • Two to three years of experience in a loan origination position
  • Current knowledge of retail lending laws and requirements
  • Knowledge of conventional and/or government guidelines
  • Working knowledge of loan documentation system
  • Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences
  • Ability to follow established guidelines and procedures consistently and accurately
  • Ability to analyze and comprehend complex financial data and provide financial alternatives
  • Proficiency with laptop technology and computer-based applications for communication purposes including obtaining rates, credit and loan status information
  • Must have or be qualified to obtain an NMLS approval
  • Be registered and in good standing with the federal registry system to secure S.A.F.E requirements
  • Ability to work independently with minimal supervision
  • Transportation to travel

*Loan Officers being considered for this position will be subject to additional background checks as required by Consumer Financial Protection Bureau Regulations   We offer employment opportunities with an exceptional compensation and benefits package and an environment that promotes professional development.  For confidential consideration, please forward your resume to:

First Independence Bank Attn: HR Department 7310 Woodward Ave., Suite 101, Detroit, MI  48202 or Fax (313) 963-1650 or email HR@firstindependence.com

In exchange for your hard work, we offer a competitive salary with bonus opportunities, a complete benefits package including 401K. We are an equal opportunity employer.