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Dover, NH

Barrington, NH

Durham, NH

Portsmouth, 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 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.

Associate Financial Advisor

This position is responsible for the sales and servicing of financial products to include, fee based investment accounts, mutual funds, life insurance, LTC Insurance and annuities to individuals and local businesses. Ensures professional, courteous, and efficient service is given to our customers at all times. The Associate Financial Advisor would be a
back-up to the VP, Financial Services Officer position.

Essential Job Functions

  • Establishes accounts with new and existing customers through cross-selling efforts. Suggests products and investments as appropriate.
  • Participate in the sale and delivery of a full range of investment and insurance solutions in order to meet customer needs and achieve targeted goals.
  • Assist the VP, Financial Services Officer with training Bank employees in investment and insurance programs.
  • Maintains bank’s employee referral information for reporting and analysis.
  • Maintains confidentiality of transactions.
  • Maintains knowledge of and ensures compliance with Federal and State banking regulations and adheres to all Bank policies and procedures.
  • Adheres to branch security according to company Security Program, exercising dual control according to established policies.
  • Familiar with the use of financial planning tools and software systems.
  • Ensures that Quality Customer Service standards are consistently achieved.

Other Duties & Responsibilities 

  • Assist with office operations including answering phones, greeting clients, making appointments, and screening calls. The ability to produce presentations and assist with coordination of client events is essential.
  • This position requires a self-motivated individual that needs little direction from his/her supervisor.
  • Performs additional duties as requested.

Skills/Experience Required

  • Bachelor’s degree or equivalent in work experience.
  • Must possess a license in New Hampshire and Maine and have the following financial licenses, Series 7, 63, 65 or 66 as well as LAH.
  • Excellent customer service, communication, and organizational skills.
  • Must be detailed oriented.
  • Strong computer skills and familiarity with various software and/or financial 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 possess a valid driver’s license, be able to drive, have the use of a serviceable automobile that is properly registered and proper liability insurance as required by state law.
  • Visual and manual strain working with computers all day.
  • Must be able to cooperatively work 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.

VP, Loan Operations Officer

This position is responsible for overseeing the daily activities of the Retail and Commercial Loan Operations Department in support of loan origination and servicing activities. Under the direction of the VP of Residential/Consumer Lending and Loan Operations, the VP Loan Operations Officer is responsible for the coordinating commercial loan review. Oversees the Commercial Credit Analyst and is responsible for commercial loan credit analysis, ongoing asset quality review, ALLL analysis and reporting, and retail and commercial loan policy administration. Responsible for loan reporting to include wholesale borrowing collateral report (FHLB and FRB), loan trial balance reporting and various loan management reporting and iVue reports. Coordinate loan operations participation in various regulatory and internal audits.   Oversees the reconciliation of loan general ledger accounts, subsidiary ledgers, customer escrow accounts, loan related expenses and custodial accounts. Manages the loan servicing quality control program. Oversees the activities of the Asset Manager and the bank’s loan collection and workout function, loan related litigation, bankruptcy, foreclosures, and OREO portfolio management.   Ensures professional, courteous, and efficient service is given to our customers at all times.

Essential Job Functions

  • Manage the daily activities of the Loan Operations Department
  • Oversee the activities of assigned staff. Conduct staff performance appraisals, salary reviews and recommend personnel action as appropriate.
  • Coordinate the loan review process with third party service providers.
  • Manage commercial loan credit analysis and closing process.
  • Direct the ongoing Asset Quality Review process
  • Manage the Bank’s loan servicing quality control program
  • Manage the preparation of the quarterly ALLL
  • Manage collection process, oversee the coordination of all foreclosures;
  • Manage loan workout, deficiency litigation and bankruptcy process.
  • Ensure compliance with regulatory and investor requirements affecting area of responsibility.
  • Act as liaison with Fiserv Data Processing or other service providers for area of responsibility.
  • Manage construction loan advance and reconciliation process to project completion.
  • Ensure that Quality Customer Service standards are consistently achieved for area of responsibility.

Other Duties/Responsibilities

  • Perform other loan servicing duties as necessary to meet customer and department workload needs. These duties include issuing payments for real estate property taxes, balancing of escrow accounts, posting payments and issuing checks for loan disbursements and balancing the department daily.
  • Actively participate in industry trade group meetings and educational programs to remain abreast of current issues and requirements affecting Bank operations and job performance.
  • Perform additional duties as requested.

Skills/Experience Required

  • Bachelor’s degree, with concentration in business or finance.
  • Seven to ten years of experience in all aspects of loan servicing, including secondary market operations, quality control.
  • Seven to ten years of managing staff.
  • Seven to ten years of experience in the areas of Loan Review, Credit and Loan Policy Administration.
  • 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. 

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 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 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.