Position Summary

William Penn Bank, a growing community bank is looking to hire a Credit Analyst to join our commercial credit department in Audubon, NJ. As the Commercial Credit Analyst at William Penn Bank, under direct supervision of the VP, Commercial Credit Manager. You will occasionally accompany loan officers on customer calls and follow up with customers and accountants regarding required documentation or questions. We will guide you to fulfill job duties and achieve the necessary qualifications to become a Credit Analyst II; and support our Lending Team with their credit underwriting needs at William Penn Bank.

Job Responsibilities

• Prepare written credit memorandums to be provided to senior management and loan committee on all new loans, renewals, extensions and modifications relative to financial strengths and weaknesses of borrowers, risk assessments, strength of guarantors, industry analysis and collateral and loan structures with opinions as to credit worthiness.
• Supports Lending Team with credit underwriting efforts including industry and company research, loan presentation preparation, financial statement spreads, cash flow analyses and rental economics. Understand and incorporate bank policy and federal regulations into each analysis
• Periodic follow-up with customers and accountants regarding required documentation or questions.
• Gathering information on actual and prospective borrowers through inquiries and investigations with trade suppliers, financial institutions, appraisers, professional firms or individuals and in-house information on borrowers relative to loan amount, activity, and profitability and affiliate relationships.
• Assist in portfolio management activities such as completing Annual Financial Updates and Loan Management Reports on existing borrowers.
• Spreading financial statements through the use of Sageworks and analyze reports produced by the system for preparation of written reviews.
• Accompany account officers on calls to develop more information on the companies being analyzed and better assess the risks associated with the credit.
• Monitor the loan compliance on existing customer accounts.
• Regularly track the stages of active and pending loans.
• Analyze loans highlighting any problems or questions and writing the final credit analysis.
• Calculate figures and amounts such as discounts, interest, ratios, commissions and percentages.
• Adheres to proper regulatory compliance practices inherent in this position’s responsibilities by following departmental policies and procedures, completing compliance training as assigned and questioning any area of uncertainty regarding proper regulatory processes.
• Perform any other related duties as required or assigned.

Required Education, Experience and Skills

• Business degree from an accredited four-year college, with a minimum of 9 credits in accounting and finance courses.
• Broad knowledge of such fields as accounting, marketing, business administration, finance, etc.; equivalent to a four-year college degree, plus 0 to 6 months related experience and/or training; or equivalent combination of education and experience.
• Excellent communication skills. Ability to effectively communicate information and answer questions with confidence to customers, clients, and public. Ability to communicate with all levels throughout the organization.
• Critical thinking skills. You are an independent thinker, with the ability to express an opposing opinion and ask questions in a diplomatic manner.
• Proficiency with Microsoft Office; including Outlook, Word, Excel, and PowerPoint.

Other Duties

Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. A complete job description will be provided upon request. Duties, responsibilities, and activities may change at any time, with or without notice.

Equal Employment Opportunity

William Penn Bank is an Equal Opportunity Employer that does not discriminate or retaliate on the basis of actual or perceived race, creed, color, religion or religious creed, alienage or national origin, ancestry, citizenship status, age, disability or handicap or association with an individual with a handicap or disability, sex (including affectional or sexual orientation, gender identity, gender expression, gender transition, or transgender identity), pregnancy or breastfeeding/lactation, marital status, civil union status, domestic partnership status, veteran status, military status, genetic information, atypical hereditary cellular or blood trait, arrest record, domestic or sexual violence victim status, credit information, or any other characteristic protected by applicable federal, state or local laws.

Interested applicants may email their resume to Nicole Nielsen – SVP, Chief Human Resources Officer at nnielsen@williampenn.bank.

Qualified candidates will be subject to a background check and pre-employment drug test.

Position Summary

William Penn Bank, a growing community bank is looking to hire an Assistant Branch Manager to join our retail team in our branch in Pine Hill, NJ. This full time Assistant Branch Manager position is an exciting opportunity for an individual who enjoys cross-selling Bank products and services and providing quality customer service to further customer relations. We offer a competitive salary. This position supervises and coordinates activities of front-line employees engaged in sales and service to build and maintain effective account relationships. It also promotes expansion of deposit and lending services by selling and cross selling all Bank products and services while providing quality service and information to customers and prospective customers.

Job Responsibilities

• Provides direct supervision to assigned Tellers and CSRs and administers the branch in a courteous, efficient and effective manner following established procedures and policies.
• Assigns duties and work schedules to subordinates to ensure efficient functioning of department; maintains good employee relations; keeps staff informed of changes in Bank policy or operating methods; oversees security requirements for the safekeeping of employees and the public while on Bank property; and monitors alarm system. May occasionally operate a teller terminal.
• Sells and cross-sells all Bank products and services while providing quality service and information to customers and prospective customers.
• Greets customers and prospective customers, addressing them by name whenever possible, promotes the expansion of deposit and lending products and services by explaining the benefits and assisting customers in opening accounts and completing applications.
• Pays special attention to customers and prospective customers needs and reactions to identify sales opportunities; assists sales associates in sales promotions and in problem solving with customers, terminals and balancing; resolves customer problems, answers inquiries, explains changes in procedures and provides assistance as needed.
• Seeks out new prospects, both individual and business; actively helps plan and oversees activities of the branch, such as telemarketing and direct solicitation campaigns to develop business; and maintains certain customer contact data for marketing use.
• Participates in all Bank promotions, presents a professional appearance and attitude at all times, and participates actively in community organizations and projects in such a way that reflects favorably on the Bank’s image.
• Controls daily activities of branch operations ensuring efficiency and effectiveness in accordance with established policies and procedures.
• Analyzes and maintains appropriate level of vault cash for daily operations; provides and replenishes cash drawers of sales associates and automatic teller machine; routinely audits teller cash drawer and vault, conducts daily, weekly, monthly and quarterly audits of all management controls and security items; provides daily operational reporting for reconciling, balancing and updating files; and ensures all Bank records are retained as scheduled; oversees regulatory testing.
• May open and close the vault each business day; prepares periodic activity and monthly reports; monitors and maintains monetary log for Bank Secrecy Act; prepares IRS currency transactions reports; keeps informed regarding security and holdup procedures; microfilms items as needed; may operate teller terminal in the absence of sales associates; may serve as notary public; may take care of workstation balancing for loan and deposit side if needed.
• Participates in all Bank promotions, cross-sells products and services and conducts relationships in a manner that will enhance the overall image of the Bank.
• Manages assigned Tellers and CSRs and is responsible for the overall direction, coordination and production, and evaluation of this unit. Carries out supervisory responsibilities in accordance with the organization’s policies and applicable laws.
• Responsibilities may include interviewing, hiring and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints, resolving problems and attending unemployment hearings to present facts and circumstances regarding dismissals.

Required Education, Experience and Skills

• Requires high school plus some technical, specialized or professional training plus above average verbal and written communication skills. Requires two years of sales and service experience and minimum of 18 months of direct supervision experience.
• Must complete in-house continuing education classes as required or as established in goals annually.

Other Duties

Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. A complete job description will be provided upon request. Duties, responsibilities, and activities may change at any time, with or without notice.

Equal Employment Opportunity

William Penn Bank is an Equal Opportunity Employer that does not discriminate or retaliate on the basis of actual or perceived race, creed, color, religion or religious creed, alienage or national origin, ancestry, citizenship status, age, disability or handicap or association with an individual with a handicap or disability, sex (including affectional or sexual orientation, gender identity, gender expression, gender transition, or transgender identity), pregnancy or breastfeeding/lactation, marital status, civil union status, domestic partnership status, veteran status, military status, genetic information, atypical hereditary cellular or blood trait, arrest record, domestic or sexual violence victim status, credit information, or any other characteristic protected by applicable federal, state or local laws.

Interested applicants may email their resume to Nicole Nielsen – SVP, Chief Human Resources Officer at nnielsen@williampenn.bank.

Qualified candidates will be subject to a background check and pre-employment drug test.