Employment Opportunities

Senior Network System Administrator/IT Security Specialist

POSITION PURPOSE: This position is responsible for analyzing and managing the shared hardware and software platforms utilized by FIB.  Will work directly with IT, and Operations to ensure the system is efficient, compliant, and secure at all times.   The incumbent works within guidelines set forth by the Bank, our vendors, and standard guidelines as established by FFIEC, FNMA, FHLMC, FDIC and FHA.  In addition, it requires a strong working relationship with internal personal.  Incumbent also works directly with the management team to ensure the staff is operating efficiently at all times. 

LOCATION: Travel between all

RESPONSIBILITIES

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

  • Perform day-to-day administration of the company’s network infrastructure.
  • Monitor and troubleshoot network performance and security issues.
  • Supervise the IT staff and ensure daily duties are being carried out.
  • Assign specific tasks to IT staff for any projects.
  • Analyze system logs and other event logs to detect nefarious activity
  • Coordinate investigations and responses to security incidents
  • Audit the company’s security controls to ensure they are working correctly
  • Install, maintain, upgrade, and troubleshoot routers, gateways, firewalls, and other networking infrastructure for local area and wide area networks (LAN/WAN), including Internet connectivity.
  • Act as alternate contact for vendors and regulators in addition to Manager of IT and Deposit Ops
  • Work with the IT group and support services for enhancing and maintaining both software and hardware deployed by each department of the bank
  • Focus on the strategic aspects of the IT plan to ensure all tasks are completed in a cost effective and efficient manner
  • Work with department Managers to ensure each group within the bank are fully utilizing technology in regard to their daily routines in an effort to be a more efficiently operated institution
  • Have project organization skills to research and implement components of the Technology Plan.
  • Test all systems for disaster recovery throughout the year.
  • Clear audit findings in an efficient and timely manner and build documentation of existing processes and exceptions.
  • Be in charge of developing and implementing information security measures for the organization.
  • Help implement, monitor, and maintain policies and standards for information technology-related controls.
  • Contribute to the vision of information security tools and processes with an eye toward the future

SKILLS, EXPERIENCE AND EDUCATION

  • High School Diploma or equivalent
  • Experience with Virtual Desktop Infrastructure
  • Experience with SQL Server Management Database System
  • Experience with Windows Server 2012 OS
  • Minimum of 5 years of experience in managing IT teams and/or IT projects
  • Ability to interact with the management team to improve on daily use of technology
  • Ability to manage multiple deadlines in a rapidly changing environment
  • Ability to make independent evaluation of alternatives and recommend solutions for workflow
  • Knowledge of MS Office Suite, knowledge of standard file server and security of system, Knowledge of the Gramm-Leach Bliley Act (GLBA) and knowledge of VMWare

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

Customer Service Representative – CSR

LOCATION: All

SUMMARY: The position of CSR is responsible for performing routine and intermediate branch and customer services duties: accepts retail and commercial checking and savings deposits; processes loan payments; cashes checks and savings withdrawals; assists with night depository and vault duties; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

RESPONSIBILITIES: 

  • Receives retail and commercial checking and savings deposits by determining that all necessary deposit documents are in proper form and issuing receipts.
  • Cashes checks, savings withdrawals and makes cash advances; confirms all necessary documents are properly authorized, are in proper form and are within authorized limits; makes decisions when questionable items are presented for cashing.
  • Assists with night depository duties; logging bags, processing deposits, making change orders, issuing receipts and returning bags to customers.
  • May assist in opening and closing the vault daily; assists in balancing vault currency and coin.
  • Operates personal computer to process account activity, determine balances, and resolve problems within given authority.
  • Issues official checks, money orders, etc.
  • Cross-sells the Bank’s other products and services, referring customers to appropriate staff as indicated.
  • Performs safe deposit duties by controlling access and assisting customers, if applicable.
  • Receives and processes stop payment and hold orders.
  • Accepts loan and installment payments.
  • Balances cash drawer daily and verifies cash being returned to the vault.
  • Provides effective customer service and assists in resolving problems within given authority.
  • Records, files, scans documents, updates information, prepares wire transfers and sorts mail or reports as required.
  • Answers telephones and directs callers to proper Bank personnel.
  • May gather data and process various reports.
  • Processes ATM deposits and deposit slip corrections.
  • Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
  • Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
  • Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
  • Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities.
  • Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.

MINIMUM REQUIREMENTS:

  • High school diploma or general education degree (GED); or 2-3 years of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial institution cash handling and customer service background.  Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
  • Basic experience, knowledge and training in branch operation activities, terminology and products and services.
  • Basic knowledge of related state and federal banking compliance regulations, and other Bank operational policies.
  • Basic skills in computer terminal and personal computer operation; host computer system; and word processing and spreadsheet software.
  • Basic typing skills to meet production needs of the position.
  • Basic math skills; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; count currency, coin and negotiable instruments in a timely manner.
  • Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.
  • Ability to deal with routine problems involving multiple facets and variables in standardized situations.
  • Good organizational and time management skills.
  • Ability to work with general supervision while performing duties.

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

Sales Associate I and II

LOCATION: All

SUMMARY: Provide excellent customer service while promoting bank and financial products and services to customers.  

RESPONSIBILITIES:

  • Opening procedures associated with preparation for daily work activities
  • Process deposits, withdrawals, cash checks and accept payments
  • Issue cashier checks, money orders and travelers checks
  • Process night deposits
  • Process bank-by-mail deposits
  • Balance ATM
  • Balance cash drawer
  • Handle any customer correspondence
  • Resolve customer requests and concerns
  • Promote and cross-sell bank products and services
  • Provide excellent customer service
  • Accurate completion of all tickets, transactions (i.e. general ledger, in/out tickets, teller blotter and various forms
  • Preparing cash transaction report (CTR’s)
  • Preparing suspicious activity report (SAR’s)
  • Preparing monetary instrument forms
  • Follow OFAC procedures
  • Sponsor new employees during probationary period
  • Follow established guidelines and procedures consistently and accurately
  • Attention to detail necessary to properly verify and document all aspects of every transaction
  • Participation in required training including compliance, security, regulations and bank secrecy, etc.
  • Active participation in sales promotions to meet prescribed sales goals

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

REQUIRED KNOWLEDGE, SKILLS AND ABILITIES:

  • Professional and comprehensive manner of work to ensure compliance to procedures and regulations
  • Effective communication skills to provide customer service in person and on the phone
  • Proficiency with desk top computer and computer based applications
  • Basic math skills

VP, Retail Lending Manager

SUMMARY:  Provides services to customers and prospective customers seeking retail loans.  Manages all consumer and retail lending activities and assists in the residential lending functions

LOCATION: 38880 Garfield Rd., Clinton Township

RESPONSIBILITIES: 

  • Provides regular reports to senior management on new, and suggested improvements to lending strategies, goals and activities, and other related information
  • Works directly with VP Operations to ensure all aspects of the team under their direction are operating within the set rules and compliance guidelines
  • Manages staff, develops objectives, motivates and monitors performance.
  • Explains lending program options and policies, accepts and processes loan applications
  • Approves/rejects loans within lending authority, recommends approval above lending authority
  • Work and know HE/LOC, mortgage and installment loans
  • Oversee the daily activity of the retail processors and wholesale customer service team
  • Works with management as needed on issues from Quality Control Audits
  • Oversee Underwriting and Closer daily functions

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 Operations Manager

SUMMARY: Manager has a staff of between three and six members and must be reliable, organized and able to communicate exceptionally well with Executive Officers, Management members and staff.

LOCATION: 7310 Woodward Ave., Detroit

RESPONSIBILITIES:

  • Manages the day-to-day operations of loan documentation, loan booking, payment processing, and other related post-closing activities in the loan area.
  • Prepares annual staff evaluations and recommendations
  • Oversees the work of loan processors and clerks in the preparation of loan documentation, lending files, collateral and covenant tracking, records and reports.
  • Oversees the mortgage escrow process including analysis and payment of taxes and insurance.
  • Interacts with lending officers and clients, resolves problems, manages staff and ensures efficient department operation.
  • Reviews and writes procedures for job functions as required.
  • Prepares periodic reports for the Board.  Assembles information requested for audits and regulatory exams.  Interacts and responds to questions presented by Executive Management, Auditors or Examiners.

REQUIREMENTS:

  • Management experience in the loan operations area.
  • Working knowledge of commercial loan documentation including Laser Pro.
  • Working knowledge of the various job functions within the department
  • Others as determined by management

  May assume other responsibilities and/or requirements as business objectives impose.   

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.