Join Our Team

Culture

Our employees enjoy working in a friendly, collaborative and professional environment. We first consider our high-performing, qualified employees for internal job opportunities.  We recognize employees who identify and master challenges. We are an EEO/AA employer: women, minorities, the disabled and veterans are encouraged to apply.

Benefits

As a full-time employee you will receive 10 paid holidays, generous vacation (15 days in the first year), sick leave, health, life and dental insurance, flexible spending or health savings accounts, access to supplemental life/AD&D insurance and disability benefits, discounted banking services, and a 401(k) plan with an employer match. 

Purpose

We work together to help our small business and wealth management clients identify the products and services that support their business goals.

How a Personal Banking Officer contributes to customer and company success

As part of our consumer deposit and relationship management team, you will provide the proactive, friendly and efficient customer service that builds our consumer and small business customers’ trust and loyalty.  Personal Banking Officers are responsible for branch sales and portfolio growth, promote, and market promotional activities, enhance customer relationships, and refer customers to other business partners as appropriate.

What you will do

• Cultivate knowledge of products, services and customer interests
• Establish, maintain, and deepen customer relationships and manage assigned portfolio to achieve branch performance goals and provide excellent customer service.
• Identify and promote products aligned with customers’ financial and business needs.
• Promote, market and cross-sell financial products including mortgage loans, through outside calls, telemarketing, targeted direct marketing, and in-branch sales and promotions.
• Efficiently open and accurately complete documentation to open and maintain accounts.
• Protect BNC and our customers by strictly following policies and procedures, maintaining bank security, and the confidentiality of customer information.
• Provide back-up support to branch with day-to-day operational transactions.
• Perform other duties as assigned.

The qualifications you bring

• You have a high school diploma or GED, ideally with some additional business, sales or communications education or training.
• You have 3 years minimum experience and proficiency handling cash, ideally as a teller.
• You have a working knowledge of bank deposit procedures, lending and credit products, new account opening procedures, and Microsoft software.
• You enjoy accurately processing financial transactions using software.
• You provide excellent customer service, communicating clearly orally and in writing.
• You communicate clearly, both orally and in writing.
• You enjoy building relationships, collaboration and teamwork.
• You are a self-motivated problem-solver.
• You are willing to promote products, and have basic sales skills.

How your job performance is measured

• You develop and maintain a customer relationship portfolio.
• You achieve sales and referral goals.
• You show up on time; are punctual, reliable, and dependable.
• You pitch in to assist others as needed.
• You smile, greet, and build positive relationships with customers and co-workers.
• You participate in continued job-related training and professional education.

The work setting

You will enjoy a professional business environment inside a stand-alone bank. Work hours are generally during regular, weekday business hours.

Your work is largely within the bank and the surrounding premises. Limited travel between offices and out of town / overnight business travel may be required. 

Tasks frequently require prolonged, mental, and visual concentration.  At times, you may experience pressure or stress as you strive to complete multiple priorities within established deadlines. Some bending, turning, lifting and twisting is required.

How you can apply for this job

Complete the application forms available online at www.bncbank.com; then email your completed application, resume and optional cover letter to BNCRecruiting@bncbank.com.

Why work for BNC National Bank - Mortgage Division?

Culture
Our employees enjoy working in a friendly, collaborative and professional environment. We first consider our high-performing, qualified employees for internal job opportunities. We recognize employees who identify and master challenges. We are an EEO/AA employer: women, minorities, the disabled and veterans are encouraged to apply.

Benefits
As a full-time employee you will receive 10 paid holidays, generous vacation (15 days in the first year), sick leave, health, life and dental insurance, flexible spending or health savings accounts, access to supplemental life/AD&D insurance and disability benefits, discounted banking services, and a 401(k) plan with an employer match.

Purpose
The Mortgage Division works together to have fun while making a positive impact within our local communities. We strive to provide professional and friendly service while exceeding the expectations of our customers as well as our marketing and referral partners.

Position Summary
This position requires a minimum of 3 years of mortgage lending experience. The position is primarily responsible for the completion of Investor Suspense items received and the follow up as required. Assistance in assuring that the company has a sound system of internal controls for an optimum level of compliance as well as providing assistance for the delivery of collateral and closed loan packages to approved investors. Responsibilities include: shipping and review of loan files to ensure compliance with both internal and investor guidelines; ensure the completeness of files according to HUD and VA guidelines. Data entry and reconciliation of Investor Purchase Advices. Reviews and responds to Investor Suspense items in a timely manner. This position requires above average organizational and critical thinking skills, as well as acute attention to detail. The candidate must also possess an above average working knowledge of all loan types, documents, and investor guidelines. Must demonstrate knowledge of the Industry in terms of laws and regulations, including the Bank Secrecy Act and Graham Leach Bliley Act.

What will you do?

• Review each investor suspense report on a daily basis and research each item to determine action needed to resolve.
• Prepare Suspense report through Encompass and forward to all department managers and individuals for response. Forward imaged items to investors as received.
• Communicates with investors regarding the suspense items and tracks outstanding suspense
• Daily retrieval, data entry into Encompass and reconciliation of Investor Purchases Advices
• Generate and send out 1st Payment notices as well as reminder notices and other borrower correspondence as it relates to Post Closing.
• Supports for other Post Closing Shipping and Final Document Coordinators. Review all loan documents to ensure compliance with internal and investor guidelines; Delivery of collateral and closed loan packages to approved investors for purchase making sure to avoid suspense. Reviews all trailing documents such as final title policy and recorded security instrument to assure a proper transfer of ownership and first lien position. Contacts settlement agents and title companies (via phone, fax, or email) to request outstanding documents and/or corrections.
• Responsible for assisting other departments and fellow team members with their workloads to ensure a smooth flow of production of loans, which are eligible for sale to investors

How Your Job Performance is Measured

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.

• Must show strong initiative and be flexible and adapt to change quickly
• Must have strong problem solving and critical thinking skills
• Effectively manage multiple tasks in a fast paced working environment
• Communicates in a positive and professional manner at all times
• Exercise independent judgment and ability to work independently
• Participate in proactive team efforts to achieve departmental and company goals.
• Comply with all safety policies, practices and procedures.
• Report any potential or actual violations of such policies, practices or procedures to VP – Mortgage Compliance
  
  

Key Competencies and Behaviors

• Professionalism / Dependability / Quality of Work: Works effectively under pressure, ability to maintain work volume and accuracy, carry out instructions and fulfill responsibilities acceptably Treats co-workers and others with respect and shows a willingness to cooperate; exhibits sincerity with others to achieve objectives Receptive to constructive feedback, accepts and responds to change in a positive manner Adheres to attendance & punctuality guidelines, observes prescribed work break/meal periods
• Job Knowledge / Ongoing Skill Improvement: Knows and demonstrates a clear understanding of all work instructions, processes, equipment and materials required to perform the job function. Consistently attempts to expand knowledge; accepts assignments and additional duties willingly and takes responsibility for own performance
• Customer Focus (internal and/or external) / Attitude: Knows and properly identifies customers/clients including co-workers, subordinates, superiors, and/or outside contacts. Communicates effectively; shares information appropriately, timely with tact and diplomacy
• Time Management Skills / Initiative / Quantity of Work: Sets and carries out priorities exhibiting proper time management; completes assigned work efficiently in established time frame Exhibits logical and creative problem solving skills, makes sound and intelligent decisions and appropriate choices; considers current workload
  

Qualifications you Bring - Required Knowledge and Skills
A minimum of High School Diploma or equivalent required. Some college preferred. Requires a minimum of 3 years of mortgage lending experience and/or secondary market experience. Must be reliable, detail oriented and hard working individual. We prefer but do not require at least 3 years of experience as a Processor, Shipper or similar position in the Residential Mortgage Industry.

Preferred Candidates will possess:

• Strong background in Post-Closing with a minimum of 3 years of Post-Closing or related mortgage industry experience.
• Retail or Correspondent Lender experience. Experience and working knowledge with Encompass 360 software a plus.
• Working knowledge of warehouse lines and investor sales
• Conventional, FHA, and VA residential mortgage loan experience
• Great attention to detail
• Excellent written and oral communication skills
• Ability to work independently, multitask, and prioritize to meet deadlines
• Previous paperless experience is a plus.

The Work Setting
Must be available and able to work during regular Office Hours: 8:30 a.m. to 5:00 p.m. Monday through Friday in the posting Branch's location / office / building. Requirements include being able to sit and work for extended periods of time on a computer. Must possess the ability, with or without reasonable accommodation, to initiate or respond, orally or in writing, to requests for information received verbally or in writing from internal or external sources. Must possess the ability, with or without reasonable accommodation, to input and retrieve information by using the keyboard and number pad of a personal computer.

How you can apply for this job

Candidates may send an email containing a summary of their job related qualifications to the Vice President of Human Resources at BNCRecruiting@bncbank.com,

Culture
Our employees enjoy working in a friendly, collaborative and professional environment. We enjoy working as a team and incorporating fun into our work.  We encourage community involvement and are active in the community. We first consider our high-performing, qualified employees for internal job opportunities.  We recognize employees who identify and master challenges. We are an Equal Opportunity Employer: women, minorities, the disabled and veterans are encouraged to apply.

Benefits
As a regular, full-time employee you will receive 10 paid holidays, 10 days of annual vacation, paid sick leave, eligibility for health, life and dental insurance, a flexible spending or health savings account, access to voluntary supplemental life/AD&D insurance and disability benefits, discounted banking services, and retirement benefits with an employer match. 

Purpose
Our branch works together to have fun while making a positive impact in our communities. We help our small business and wealth management clients identify  products and services that support their business goals.

How a Personal Banker contributes to our success
Personal Bankers provide proactive, friendly and efficient customer service to build customers’ trust and loyalty; deliver primary deposit and withdrawal services to clients, to include all teller functions, opening of new checking, savings, certificates of deposit, retirement and ODP accounts. 

What you will do

• Cultivate knowledge of products, services and customer interests
• Establish, and build customer relationships 
• Identify and promote products aligned with customers’ needs
• Open and maintain accounts and complete related documentation.
• Strictly follow policies and procedures to maintain bank security and confidentiality of customer information.
• Provide back-up support for operational transactions and other duties as assigned.

The qualifications you bring

• You have a high school diploma or GED, ideally with some additional business, sales or communications training.
• You have one year minimum experience and proficiency handling cash, ideally as a teller.
• Ideally, you have a working knowledge of bank deposit procedures, lending and credit products, new account opening procedures, and Microsoft software
• You enjoy accurately processing financial transactions using software. 
• You provide excellent customer service, communicating clearly orally and in writing
• You are willing to promote products, and have basic sales skills.

How your job performance is measured

• You smile, greet, and build positive relationships with customers and co-workers.
• You show up on time; are punctual, reliable, and dependable.
• You pitch in to assist others as needed.
• You follow procedures
• You participate in continued job-related training 

The work setting
You will enjoy a professional business environment inside a stand-alone bank. Tasks frequently require prolonged, mental, and visual concentration.  Some bending, turning, lifting and twisting is required.

How you can apply for this job
Send an email with resume and cover letter to : BNCRecruiting@bncbank.com

Our employees enjoy working in a friendly, collaborative and professional environment. We first consider our high-performing, qualified employees for internal job opportunities. We recognize employees who identify and master challenges. We are an EEO/AA employer: women, minorities, the disabled and veterans are encouraged to apply.

As a full-time employee you will receive 10 paid holidays, generous vacation (15 days in the first year), sick leave, health, life and dental insurance, flexible spending or health savings accounts, access to supplemental life/AD&D insurance and disability benefits, discounted banking services, and a 401(k) plan with an employer match.

The Mortgage Division works together to have fun while making a positive impact within our local communities. We strive to provide professional and friendly service while exceeding the expectations of our customers as well as our marketing and referral partners.

This position requires a minimum 3 - 5 years related lending experience and is responsible for underwriting various types of mortgage loan files. This candidate must have an in-depth understanding of processing, underwriting and closing procedures and current underwriting system. Knowledge of full conventional and government underwriting guidelines. Responsible for evaluating acceptability of documentation and making credit decisions on first mortgage loans. Review of credit reports, answer questions related to mortgage loan underwriting and assist with the development and training material. Excellent organizational skills, along with a substantial knowledge of guidelines and procedures for all types of mortgage loans offered by the bank, are critical. Incumbent must demonstrate knowledge of the industry in terms of laws and regulations including the Bank Secrecy Act relative to the job responsibilities.

• Underwrite loan files to meet the daily / monthly production goals.
• Achieving salability and insurability to adhere to all regulatory and compliance requirements
• Maintain knowledge of and compliance with all current investor guidelines and overlays. Assist other department with guidance for unique scenarios and situations
• Clearing of suspense issues and responding to quality control issues related to their job function.
• Timely and accurate credit decisions to maintain a minimal suspense level.
• Effectively communicate with team members and liaison between departments to ensure timely and accurate Underwriting of loans; find resolutions to issues that arise with both internal and external customers treating all clients with respect.
• Responsible for assisting other departments and fellow team members with their workloads to ensure a smooth flow of production of loans, which are eligible for sale to investors

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.

• Must show strong initiative and be flexible and adapt to change quickly
• Must have strong problem solving and critical thinking skills
• Effectively manage multiple tasks in a fast paced working environment
• Communicates in a positive and professional manner at all times
• Exercise independent judgment and ability to work independently
• Participate in proactive team efforts to achieve departmental and company goals.
• Comply with all safety policies, practices and procedures.
• Report any potential or actual violations of such policies, practices or procedures to VP – Mortgage Compliance

• Professionalism / Dependability / Quality of Work: Works effectively under pressure, ability to maintain work volume and accuracy, carry out instructions and fulfill responsibilities acceptably Treats co-workers and others with respect and shows a willingness to cooperate; exhibits sincerity with others to achieve objectives Receptive to constructive feedback, accepts and responds to change in a positive manner Adheres to attendance & punctuality guidelines, observes prescribed work break/meal periods
• Job Knowledge / Ongoing Skill Improvement: Knows and demonstrates a clear understanding of all work instructions, processes, equipment and materials required to perform the job function. Consistently attempts to expand knowledge; accepts assignments and additional duties willingly and takes responsibility for own performance
• Customer Focus (internal and/or external) / Attitude: Knows and properly identifies customers/clients including co-workers, subordinates, superiors, and/or outside contacts. Communicates effectively; shares information appropriately, timely with tact and diplomacy
• Time Management Skills / Initiative / Quantity of Work: Sets and carries out priorities exhibiting proper time management; completes assigned work efficiently in established time frame Exhibits logical and creative problem solving skills, makes sound and intelligent decisions and appropriate choices; considers current workload

A minimum of High School Diploma or equivalent required. Some college preferred. Requires a minimum of 3-5 years related Residential Mortgage Industry Underwriting experience. FHA DE Designation and VA SAR Authority preferred. Experience with FHA, VA, CONV, and USDA loans preferred. Must be reliable, detail oriented and hard working individual.

• Strong background in Mortgage Loan Underwriting with a minimum of 5 years of Underwriting in the mortgage industry experience.
• Retail or Correspondent Lender experience. Experience and working knowledge with Encompass 360 software a plus.
  Working knowledge of investor guidelines and federal regulations.
• Conventional, FHA, and VA residential mortgage loan experience
• Great attention to detail
• Excellent written and oral communication skills
• Ability to work independently, multitask, and prioritize to meet deadlines
• Previous paperless experience is a plus.

Must be available and able to work during regular Office Hours: 8:30 a.m. to 5:00 p.m. Monday through Friday in the posting Branch's location / office / building. Requirements include being able to sit and work for extended periods of time on a computer. Must possess the ability, with or without reasonable accommodation, to initiate or respond, orally or in writing, to requests for information received verbally or in writing from internal or external sources. Must possess the ability, with or without reasonable accommodation, to input and retrieve information by using the keyboard and number pad of a personal computer.

Why work for BNC?
Our employees enjoy working in a friendly and professional environment.  We encourage community involvement and are active in the community. We first consider our high-performing, qualified employees for internal job opportunities.  We are an EEO/AA employer: women, minorities, the disabled and veterans are encouraged to apply.

Benefits
As a regular, full-time employee you will be eligible for generous paid time off benefits including: holidays, vacation, and sick leave; retirement benefits with an employer match; health, life/AD&D, dental insurance; a flexible spending or health savings account; access to additional voluntary benefits; discounted banking services; and tuition reimbursement. 

What you will do
As part of our operations team, you will provide the proactive, friendly and efficient customer service that builds our consumer and small business customers’ trust and loyalty as you research, process and review daily transactions for the bank.

The qualifications you bring

Minimum

• You have a high school diploma or GED, ideally with some additional business education or training.
• You provide excellent customer service, communicating clearly orally and in writing

Preferred

• One year minimum experience in financial services operations, banking deposit operations preferred
• Working knowledge of bank deposit/operations procedures
• Working knowledge Microsoft Office
  

The work setting
You will enjoy a professional business environment inside a bank, generally during regular business hours. Tasks frequently require prolonged, mental, and visual concentration.  At times, you may experience pressure or stress as you strive to complete multiple priorities within established deadlines. Some bending, turning, lifting and twisting is required. 

How you can apply for this job

Send application documents to BNCRecruiting@bncbank.com 

Schedule:                  8 AM - 5 PM Monday to Friday, with rotating Saturdays

Reports to:               Branch Manager

Classification:          Non-exempt (hourly pay)

Why work for BNC?

Culture

Our employees enjoy working in a friendly, collaborative and professional environment. We enjoy working as a team and incorporating fun into our work.  We encourage community involvement and are active in the community. We first consider our high-performing, qualified employees for internal job opportunities.  We recognize employees who identify and master challenges. 

Benefits

As a regular, full-time employee you will be eligible for generous paid time off benefits including: holidays, vacation, and sick leave; retirement benefits with an employer match; health, life/AD&D, dental insurance; a flexible spending or health savings account; access to additional voluntary benefits; discounted banking services; and tuition reimbursement. 

Purpose

Our branch works together to have fun while making a positive impact in our communities and with our customers. We work together to help our small business and consumer clients identify the products and services that support their goals.

How a Personal Banker contributes to customer and company success

As part of our consumer deposit and relationship management team, you will provide the proactive, friendly and efficient customer service that builds our consumer and small business customers’ trust and loyalty. Personal Bankers provide professional delivery of all primary deposit and withdrawal services to clients, to include all teller function, opening of new checking, savings, certificates of deposit, retirement and ODP accounts. 

What you will do

• Cultivate knowledge of products, services and customer interests
• Establish, maintain, and deepen customer relationships to achieve branch performance goals and provide excellent customer service.
• Identify and promote products aligned with customers’ financial and business needs.
• Efficiently open and accurately complete documentation to open and maintain accounts.
• Protect BNC and our customers by strictly following policies and procedures, maintaining bank security, and the confidentiality of customer information.
• Provide back-up support to branch with day-to-day operational transactions.
• Perform other duties as assigned.

Qualifications

Required

• High school diploma or GED
• One-year experience and proficiency handling cash

Preferences

• Additional business, sales or communication education or training
• Teller experience
• Working knowledge of bank deposit procedures, lending and credit products, new account opening procedures, and Microsoft software
• Excellent written and oral communication skills
• Excellent customer service skills
• Experience promoting products and basic sales skills
• Ability to think critically and to work well independently and as part of a team

The work setting

You will enjoy a professional business environment. Work hours are generally during regular business hours.

Tasks frequently require prolonged, mental, and visual concentration.  At times, you may experience pressure or stress as you strive to complete multiple priorities within established deadlines. Some bending, turning, lifting and twisting is required.

How to apply

Please visit https://www.bncbank.com/join-our-team and complete the application forms. Send completed application forms to BNCRecruiting@bncbank.com

BNC National Bank is an EEO/AA employer: women, minorities, the disabled and veterans are encouraged to apply.