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Find out more about the cities and towns where FSB branches are located:

Dover, NH

Barrington, NH

Durham, NH

Portsmouth, NH

Rochester, NH

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Employment

Federal Savings Bank was established in 1890 and still offers personal service, competitive rates, and a wide array of investment options for individuals and businesses. We credit our success, in part, to our commitment to our customers, employees, and the communities we serve. Our colleagues work in an environment where teamwork, creativity and initiative is encouraged and rewarded. We offer competitive salaries, ongoing training opportunities as well as a comprehensive benefits package.

If you are interested in joining our team, please apply at any of our branches or complete this application and submit with your cover letter and resume to:

Federal Savings Bank
PO Box 1099
Dover, NH 03821
Attn: Human Resources
Email: Kristen Collins

Federal Savings Bank is an equal opportunity and affirmative action employer.

"EEO is the Law"   "EEO es la Ley"

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Current Openings

Commercial Loan Officer

This position is responsible for originating and maintain commercial loan relationships and cross-selling other products and services in the Banks’ market area. Ensures professional, courteous, and efficient service is given to our customers at all times.

Essential Job Functions

  • Originate new commercial loans according to established Bank policy and procedures.
  • Meet or exceed established objectives for dollar volumes in originations.
  • Follow through each loan, working with the customer, Bank loan processor and attorneys as necessary through to the closing of the loan.
  • Interview and counsel commercial loan customers and prospects, at the time and place of their convenience, matching the financing needs of the customer to the various programs offered by the Bank.
  • Conduct follow-up calls to all commercial customers to ascertain if the level of customer satisfaction has been met.
  • Actively participate in local community business organizations to promote all of the Bank’s deposit and credit products and services of the Bank.
  • Periodically communicate with customers as appropriate to monitor use of the loan funds and the status of the business to determine if other banking needs exist and to ensure consistent customer satisfaction.
  • Work closely with the Senior Commercial Loan Officer to monitor the status of problem loans.
  • Help to develop and implement workout strategies as appropriate. Refer all problems or unusual situations to the Senior Commercial Loan Officer.
  • Monitor market trends relating to competition, commercial products and rates, advertising programs, etc. Report and make recommendations as appropriate.
  • Prepare and present reports on commercial activities, origination volume and performance against goals, CRA activities, etc. according to established requirements and schedules.
  • Refer prospective customers to other Bank staff members as appropriate.
  • Ensures that Quality Customer Service standards are consistently achieved.
  • Maintains knowledge of and ensures compliance with Federal and State banking regulations and adheres to all Bank policies and procedures.

Other Duties & Responsibilities

  • Performs additional duties as requested.
  • Participate in Loan Officers Review Committee and other staff meetings as required.
  • Actively participate in industry trade group meetings and educational programs to remain abreast of current issues and requirements affecting the Bank operations and job performance.

Skills/Experience/Training Required

  • Bachelor’s degree with concentration in business or finance and/or equivalent work experience.
  • Five to seven years more years experience in all aspects of commercial loan origination and sales management, with experience in SBA lending.
    Excellent customer service, communication and organizational skills.
  • Strong computer skills and familiarity with various software programs.

Working Conditions/Physical Demands

  • Physical surroundings are pleasant and comfortable with minimal exposure to injury or other hazards with moderate level of noise.
  • Physical effort required; normally sitting with the freedom of movement on a regular basis.
  • Must be able to drive, possess a valid driver’s license, have the use of a serviceable automobile that is properly registered with proper liability insurance as required by law.
  • Must be able to travel to varied locations to perform job responsibilities.
  • Must be able to work cooperatively with others.

Federal Savings Bank is an equal opportunity employer and Affirmative Action Employer. We do not discriminate in hiring, promotion, or other employment decisions on the basis of race, sex, gender identity, color, pregnancy, religion, national origin, sexual orientation, marital status, disability, genetic information, age, protected veteran or military status, or any other basis protected by law. Disabled applicants requiring reasonable accommodation in the application and/or interview process should notify the Human Resources Department.

AVP, Commercial Business Development Officer

This position is responsible for developing business relationships in the Bank’s market area; cross-selling products and services with a strong commitment to helping the institution grow its commercial deposits, commercial loan portfolio and referring new commercial loans to the Commercial Loan Officers, and provide leads to the Wealth Management department. Ensures professional, courteous and efficient service is provided at all times.

Essential Job Functions

  • Conduct businessdevelopment calls with local individuals and businesses to originate new deposit and loan relationships.
  • Actively participate in the bank’s business development program.
  • Establish priorities and prepare itineraries for business development leads including; reviewing prospect lists, news publications, etc.
  • Refer leads to the Commercial and Residential Loan Officers and Branch Managers as appropriate.
  • Conduct joint business calls with the Branch Managers to help enhance their cross-selling skills and recognize opportunities for retail and consumer deposit and loan
    growth.
  • Recommend upgrades, elimination or development of under-performing products and services and development or introduction of new products and services as necessary.
  • Meet with customers at a place convenient to their needs and promote a favorable image of the Bank in all business activities within the community.
  • Required to actively participate in local community events such as; local Chambers of Commerce, home shows and open houses to promote the products and services of the Bank.
  • Respond in a professional manner to questions regarding products and services of the Bank, matching the customer needs to the appropriate services.
  • Assist with the implementation of marketing programs and product promotion as required.
  • Respond to customer inquiries, evaluate needs and actively suggest products and services to meet said needs.
  • Establish and maintain contact with local business managers and other professionals within the established market area, through direct calls, business organization gatherings, etc. to actively solicit new business.
  • Conduct follow-up calls to business prospects and customers to determine if an appropriate level of customer satisfaction has been met, as well as periodic communication to determine if other banking needs exist and to ensure consistent customer satisfaction.
  • Prepare and present reports on new commercial relationships, volume and performance against goals, according to established requirements. Monitor market trends and recommend changes as appropriate.
  • Participate in staff meetings, seminars and courses to remain current.
  • Maintain knowledge of and ensure compliance with Federal and State banking regulations and adhere to all bank policies and procedures.

Skills/Experience/Training Required

  • Bachelor’s degree or higher. Banking experience with a strong concentration in commercial lending is required.
  • Three to five years of progressive experience in banking and sales.
  • Excellent customer service, communication and organizational skills.
  • Strong computer skills and familiarity with various software programs.

Federal Savings Bank is an equal opportunity employer and Affirmative Action Employer. We do not discriminate in hiring, promotion, or other employment decisions on the basis of race, sex, gender identity, color, pregnancy, religion, national origin, sexual orientation, marital status, disability, genetic information, age, protected veteran or military status, or any other basis protected by law. Disabled applicants requiring reasonable accommodation in the application and/or interview process should notify the Human Resources Department.  

Commercial Credit Risk Analyst

The Commercial Credit Risk Analyst is responsible for providing analytical and risk management support to the commercial loan production process by accurately analyzing credit and financial information related to new and existing loan relationships, and to comply with the Bank’s loan policies and procedures to ensure the overall quality of the Bank’s
lending portfolio. Duties include reviewing, analyzing and presenting credit information for use by lending officers or committees in making credit and loan rating decisions on new and renewal commercial extensions of credit and performing ongoing monitoring of the existing portfolio. Oversees the commercial appraisal function to include the review of
third party appraisals to ensure the report is in compliance with Title XI of FIRREA. Coordinates and oversees the quarterly asset quality review process. This role may also be involved in special projects resulting from changes in the regulatory environment and prepare/create processes and procedures surrounding the proposed changes. Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.

Essential Job Functions

Performs assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends including preparation of financial spreads, analysis of financial statements, obtaining and analyzing credit reports, calculation of ratios, industry research, and completion of credit memos and risk rating reviews. Reviews loan presentations to ensure that individual loans are risk rated correctly for Loan Committee submissions. Oversees the commercial appraisal and environmental report functions. Orders appraisals and environmental reports from the Bank’s approved vendor list, and performs in depth analysis of each Report upon receipt. Works directly with appraisers on any questions/issues that may surface in order to ensure an accurate report is provided. Maintains the Bank’s Commercial Loan approved appraiser list, ensuring that the Bank has up to date documentation regarding credentials/licensing/insurance requirements. The bank recognizes that timely, accurate appraisals and evaluations providing unbiased opinions and objective analyses are an important component of the real estate loan underwriting process and other real estate owned management process. Accordingly, the bank has structured this position in an effort to temper risk through evaluating third party appraisals to ensure safe and sound real estate lending activity. Cross training and back-up for Credit Administration functions including management report preparation and ALLL calculation. Be involved in special projects that are the result of changes in the regulatory environment and prepare/create processes and procedures surrounding the proposed changes. Coordinates and oversees the quarterly asset quality review process including preparing the agenda, distributing completed reports for review, maintaining meeting minutes, and ensuring risk grade changes are completed. Develops and maintains knowledge of financial industry, economy, and market conditions. Spread financial statements/tax returns and prepare global cash flow analyses for commercial loan officers as needed. Coordinates the Loan Committee process including preparation and distribution of the agenda and maintaining records of the minutes. Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.

Other Duties & Responsibilities

Performs additional duties as requested. Actively participate in industry trade group meetings and educational programs to remain abreast of current issues and regulatory requirements affecting the Bank. Participate in Loan Officers Review Committee, ALCO, Pricing Committee, Risk Management Committee and other staff meetings as required.

Skills/Experience/Training Required

Bachelor’s degree (BA) from a college or university; 5 year minimum related experience; or the equivalent combination of education and experience. Work related experience
should consist of commercial financial analysis, lending background or credit risk. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related. Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. Strong working knowledge of Title XI of Federal Financial Institute Reform Recovery act Enforcement Act of 1998, and the Uniform Standards of Professional Appraisal Practice (USPAP) as promulgated by the Appraisal Standard Board of the Appraisal Foundation. Mastered experience, knowledge and training in all lending activities and terminology to include commercial/industrial, commercial real estate and construction lending. Strong background in risk management to include, banking regulations, risk rating accuracy and ability to interact with banking regulators and loan review. Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies. Excellent organizational and time management skills. Intermediate skills in computer terminal, typing and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs. Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, write reports, correspondence and procedures. Ability to work with no supervision while performing duties.

Federal Savings Bank is an equal opportunity employer and Affirmative Action Employer. We do not discriminate in hiring, promotion, or other employment decisions on the basis of race, sex, gender identity, color, pregnancy, religion, national origin, sexual orientation, marital status, disability, genetic information, age, protected veteran or military status, or any other basis protected by law. Disabled applicants requiring reasonable accommodation in the application and/or interview process should notify the Human Resources Department.

Retail Banking Assistant

Under general supervision and in accordance with established policies and procedures, the incumbent is responsible for the selling, pricing, inputting and coordinating the sale of fixed rate loans to the secondary market; for the quality control of loans and maintaining the Quality Control Policy while staying abreast of Freddie Mac Quality Control Best Practices and providing timely and accurate administrative and secretarial support to the VP of Retail & Consumer Lending, loan officers and personnel when required.

Essential Job Functions

Comply with all applicable Federal and State banking regulations and all bank department policies and procedures. Compile loan documentation as required and prepare reports as necessary for Loan Committee and Board of Directors. Responsible for tracking and pricing all fixed rate loans pending, opened and closed on a daily basis. Responsible for all aspects of each loan sale including commitments, delivery, accounting, funding and reporting. Responsible for establishing and performing a monthly quality control program to ensure the Bank is complying with all applicable Federal and State deposit/lending regulations. Conduct quality control review and maintenance of a percentage of new retail loans and a percentage of existing retail loans to ensure the integrity of the retail loan portfolio data. Perform quality control on new consumer and retail mortgage accounts. Prepare synopsis of individual QC results for management review and acknowledgement. Prepares, maintains and distributes various origination reports for management review as
applicable. Creates new management reports as needed, utilizing various report generation software applications. Ensures that Quality Customer Service standards are consistently achieved. Back up to pre-processing and processing. Maintains confidentiality of transactions. Performs additional duties as requested.

Skills/Experience/Training Required

  • High School diploma or general education (GED)
  • Two to three years of secretarial experience, with excellent telephone skills.
  • Two to three years of secondary markets experience for loan sales.
  • Experience in mortgage or consumer loan processing is desirable.
  • Excellent customer service, communication and organizational skills.
  • Strong computer skills and familiarity with various software programs.

Work Conditions/Physical Demands

Physical surroundings are pleasant and comfortable with minimal exposure to injury or other hazards with moderate level of noise. Physical effort required; normally sitting with the freedom of movement on a regular basis. Visual and manual strain working with computers as well as reading for extended periods of time.

Federal Savings Bank is an equal opportunity employer and Affirmative Action Employer. We do not discriminate in hiring, promotion, or other employment decisions on the basis of race, sex, gender identity, color, pregnancy, religion, national origin, sexual orientation, marital status, disability, genetic information, age, protected veteran or military status, or any other basis protected by law. Disabled applicants requiring reasonable accommodation in the application and/or interview process should notify the Human Resources Department.

Part-Time Customer Service Representative

A part-time Customer Service Representative position is open in our Durham location. Under general supervision and in accordance with established policies and procedures, the incumbent is responsible for opening and servicing customer accounts, accepting loan payments, and cashing checks. Develops and maintains knowledge of Company product and service offerings to promote FSB products and services and refer new and existing customers to appropriate individual(s) for further detailed information. Additional responsibilities entail processing a variety of customer transactions including but not limited to: deposits, account withdrawals, issuing Bank Checks, Money Orders, Travelers Checks, and cash advances. Ensures professional, courteous, and efficient service is given to our customers at all times.

  • Must have a positive attitude; the ability to follow the direction of their supervisor and the ability to work well with peers.
  • High School graduate or GED is required. Experience in handling cash and dealing with the public as cashier or teller is essential.
  • Must be willing to travel and report to any of our local branches if necessary, whether temporary or permanent.
  • Must be in current position for a minimum of six months.
  • Requires candidates have the ability to communicate effectively; to lift cash boxes and currency/coin bags of approximately 30 pounds; good people skills and computer experience in Word and Excel.
  • Saturday coverage will be are required.

Federal Savings Bank is an equal opportunity employer and Affirmative Action Employer. We do not discriminate in hiring, promotion, or other employment decisions on the basis of race, sex, gender identity, color, pregnancy, religion, national origin, sexual orientation, marital status, disability, genetic information, age, protected veteran or military status, or any other basis protected by law. Disabled applicants requiring reasonable accommodation in the application and/or interview process should notify the Human Resources Department.

*The above statements are intended to describe the general nature and level of work being performed by people assigned to do this job. The above is not intended to be an exhaustive list of all responsibilities and duties required.