Location:     Medford, OR

Post Date:   June 23, 2020

Summary:

Provides oversight and guidance regarding all facets of compliance affecting bank operations, marketing, deposits, and lending to ensure they are executed in accordance with regulatory requirements.  Continuously drives a strong culture of compliance and risk management and demonstrates integrity and professional judgment is protecting the interests of the bank and its customers.  Manages and leads teams in the development, implementation and/or execution of compliance programs to minimize risk.  Develops and modifies bank policy and procedures for compliance.  Builds effective relationships with industry and regulatory authorities. 

Duties and Responsibilities:

• Oversees the design and implementation of the bank’s compliance program to identify, monitor, assess, control and report on compliance risk; as well as detect, and prevent associated risk to ensure compliance with federal, state, and local laws and regulations. applicable laws, rules, and regulations.
• Oversees the development of compliance policies, procedures, risk identification, and control methodologies to ensure adherence and enforcement of federal, state, and local laws and regulatory requirements.
• Develop and maintain a resource for compliance and risk management topics for operational and lending areas.
• Serve as an in-house compliance and risk management expert, providing training, advice and guidance to ensure that all departments are in compliance with federal state and local laws and regulatory requirements.
• Develop and/or maintain annual enterprise and compliance risk assessments.
• Chair the Compliance Committee and CRA Committee.
• Works with the Compliance Committee and/or senior management to develop an annual risk-based internal review and audit schedule ensuring that those areas with greatest potential risk receive appropriate audit attention.
• Provides oversight for periodic compliance audits and regulatory examinations, information requests regarding compliance and regulatory filings.
• Evaluates internal controls, operations and administrative functions for efficiency and effectiveness, adherence to bank policies and procedures, and compliance with federal and state banking regulations.
• Advise senior management and the Audit Committee of the Board of Directors on audit, and internal control matters.
• Supervise the Bank’s record retention and disposal program.
• Maintain the bank’s CRA program to ensure it stays in compliance with the current regulations. Ensure that all public files are current, active, and available when needed.  Provide annual review and assessment of CRA activities to the senior management team and/or the Board.
• Develop an annual compliance training schedule/program that covers appropriate topics for all Bank personnel.
• Serve as point of contact for federal and state regulatory agencies for compliance matters.
• Oversee all compliance related communication, and review advertisements and new products to ensure such communication is comprehensive, accessible, current, and appropriate.
• Works with department managers to make improvements to processes in order to correct any violations or operational deficiencies found and coordinate responses to the audit reports for the Senior Management Team and Board of Directors within 30 days of receiving the final report.
• Prepare internal documents for examinations, conduct post examination follow up, coordinate responses, and oversees corrective actions.

Skills and Abilities Required:

• Exceptional verbal, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence, and procedures, speak clearly to clients, employees, directors, and shareholders.
• Ability to work independently, manage multiple priorities and achieve result according to company priority.
• Strong organizational skills and demonstrates attention to detail.
• Proven critical thinking and strategic planning skills.
• A basic understanding of the financial, regulatory, operational and/or accounting aspects of commercial banking and the ability to converse with management to participate in risk assessment, scope definition, and development of the most effective audit approach.
• Ability to look and project a professional image.

Education, Training and Experience:

• A Bachelor’s degree with five to ten years of related experience and/or training; or an equivalent combination of education and experience applicable to compliance and risk management.
• Professional certification, such as Certified Bank Compliance Officer (CBSO), Certified Regulatory Compliance Manager (CRCM, or Certified Regulatory and compliance Professional (CRCP).
• Proven success in the risk management field with extensive knowledge of all regulatory policies and procedures.
• Demonstrated accomplishments presenting to Board members, senior management, and regulators.
• Demonstrated ability in providing leadership, supervision, and training to employees, while fostering a team environment and ensuring maximum productivity.
• Extensive ability to read, analyze, interpret government regulations, trade journals and legal documents. Ability to respond accurately and thoroughly to common inquiries from regulatory agencies, courts, and outside consultants.
• Computer knowledge of Microsoft Word and Excel and other bank programs.

Contact from interested candidates only, please. No contact from recruiter, agencies or consultants. Forward resumes to hr@peoplesbank.bank. People’s Bank of Commerce is an Affirmative Action and Equal Opportunity Employer, M/F/D/V

Location:     Barnett Branch, Medford, OR

Post Date:   June 16, 2020

Summary:

The Mortgage Underwriter performs a variety of duties that assure efficient processing and underwriting of residential mortgage loans.  This position will assist in the daily tasks needed to complete a mortgage loan including compliance and underwriting duties.  This position requires superior, professional customer service as well as experienced underwriting skills to be consistently delivered to internal real estate lending and banking staff and outside customers including borrowers, realtors, and title companies. 

Duties and Responsibilities: 

• Insures Real Estate Mortgages are closed in compliance with Federal Law, State Law, People’s Bank Policy, and Investor Guidelines.
• Supports the department’s quality standards regarding HMDA and compliance data entry and review.
• Promotes departmental and interdepartmental teamwork.
• Provides friendly, courteous, and professional communication support, including responding to customers in person, incoming telephone calls, electronic mail, and voice mail.
• Understands and adheres to the compliance of all federal and state laws and regulations and bank policies, procedures, and standards in your area of responsibility.
• Set up and maintain loan files in accordance with Bank policy and procedures and established guidelines for conventional and Government loans.
• Underwrites mortgage loans in accordance to investor and bank guidelines. Ensures and verifies the integrity of loan documentation including income and financial documentation, credit reports, appraisals, tax returns, title documents, sales contracts, etc.
• Underwrites and approves loans using automated underwriting systems accurately and according to agency/investor requirements.
• Prioritize tasks to meet deadlines on a daily basis.
• Maintains accuracy, neatness, and thoroughness in performance of assigned duties to minimize errors.
• Knowledge in Conventional, FHA, VA, USDA, Jumbo and Construction loans with the ability to interpret changes in guidelines and compliance.
• Performs specific special tasks, projects and other duties as assigned.

Position Qualifications: 

• Minimum 5 years Underwriting experience preferred.
• Experience processing and underwriting Conventional, FHA, VA, USDA, Jumbo and Construction Loans.
• Knowledge of computer processes including word processing software, spread sheets (i.e. Word, Excel) and AUS systems including Encompass.
• Develop and maintain knowledge of operating systems and bank internal systems.
• High School diploma.
• Maintain a satisfactory level of attendance 

Contact from interested candidates only, please. No contact from recruiter, agencies or consultants. Forward resumes to hr@peoplesbank.bank. People’s Bank of Commerce is an Affirmative Action and Equal Opportunity Employer, M/F/D/V

Location:       Barnett Branch, Medford, OR

Post Date:     January 30, 2020

Summary:

The Loan Officer’s principal duties and responsibilities shall be the marketing and origination of loans that meet the underwriting criteria for People’s Bank of Commerce’s consumer residential real estate loans.

Duties and Responsibilities: 

• Use best efforts to promote the products and services of People’s Bank of Commerce.
• Make all loan applications on such terms and in such a manner as required by People’s Bank of Commerce and pursuant to all applicable federal, state, and local statutes, ordinances, rules and regulations which include, but are not limited to: the Equal Credit Opportunity Act, the Fair Housing Act, the Fair Credit Reporting Act, the Truth in Lending Act, the Real Estate Settlement Procedures Act and the Privacy Act.
• Treat all consumers fairly regardless of race, color, gender, marital status, familial status, immigration status, sexual orientation, religion, disability or national origin.
• Promote and provide loan products in a non-discriminatory manner, and offer loan options commensurate with borrower qualification. Clearly and completely explain all such loan options, including the current rates, fees and the benefits of each option.
• Immediately forward all completed loan applications to Processing.
• Keep accurate records and files as required by the Bank.
• Respect People’s Bank of Commerce’s ownership of all equipment, supplies, books, records, and proprietary information. It is understood that customer lists developed while at People’s Bank of Commerce remain the property of the Bank even after termination of employment.
• Adhere to the state and federal “Do Not Call” lists when marketing new customers and cold calling prospective customers.
• Maintain confidentiality of all customer and Bank information at all times. Officers will be granted authorization to access specific software, programs, files and documents only on a need to know basis to complete job duties.
• Attend all meetings as required.
• Perform other duties as assigned

 Position Qualifications: 

• Experience originating Conventional, FHA, VA, USDA, ODVA and Jumbo loans.
• High School diploma.
• Good oral, written and telephone communication skills.
• Ability to effectively work with team members and on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently, accurately and with established time frames.
• Maintain a valid NMLS number.

Contact from interested candidates only, please. No contact from recruiter, agencies or consultants. Forward resumes to hr@peoplesbank.bank. People’s Bank of Commerce is an Affirmative Action and Equal Opportunity Employer, M/F/D/V