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July 24, 2020
Grade 5
Full-Time
Location: Brookings, SD / Sioux Falls, SD
 
Overall Functions
The Card Services Analyst will assist with development, implementation and analysis of card programs to improve the acquisition of customers and overall profitability of program.
 
Qualifications
This person should have bachelor’s degree and five years of card services experience or experience in dealing with card services in other areas of banking or the equivalent. This person must possess excellent analytical, problem-solving, verbal and written communication skills, as well as the ability to stay organized and exercise confidentiality and discretionary judgement. Must be able to prioritize multiple tasks and deliver outputs in the time allowed.
 
Responsibilities
  1. Act as a representative for the card services department on projects and perform work as a result of these projects. Working with project team members to determine priorities, analyze alternatives, and select applicable methods for completion.
  2. Provide analytical support, assist in recommendation, creation and implementation of deliverables that will improve efficiencies and increase program profitability, including, but not limited to, market analysis, customer analysis, program analysis, program requirements, and procedures.
  3. Conduct reviews of portfolio activity within established timeframes. Identify and address internal or external findings by communicating with appropriate parties, making recommendations and implementing processes that reduce risk and monetary exposure, improve customer service, and increase program revenue.
  4. Interact with various third-party vendors who provide essential services to the card programs.
  5. Be a point of contact for audits and requests for information related to audits and examinations. Coordinate responses to specific audit and examination findings.
  6. Maintain an understanding of industry regulations, products, technologies and trends.
  7. Attend all meetings as deemed appropriate.
  8. Act in accordance with FFC policies and procedures as set forth in employee handbook.
  9. Adhere to compliance procedures and participate in required compliance training.
 
July 22, 2020
Grade 5
Full-Time
Location: Brookings, SD / Sioux Falls, SD
 
Overall Functions
This person works closely with the Finance Management team to provide financial analysis, reporting and budgeting for the entire organization. This person has a key role in month end close and applying GAAP principles to the financials.
 
Qualifications
This person should have a minimum of a Bachelor’s Degree in accounting and two years public accounting experience, preferably partially in the banking sector. A thorough understanding of generally accepted accounting principles (GAAP) and a CPA designation is required. This person must have good communication, research, leadership and decision making skills. This person must work well under deadlines and have excellent time management skills.
 
Responsibilities
  1. Assist with the month-end close of financial statements for the banks, their subsidiaries and the holding company, including:
    • Calculating and posting complex monthly accruals as needed
    • Analyzing accounts to determine if corrections are needed
    • Analyze financial results, providing explanations of variances from prior month and budget
    • Posting consolidating entries and maintaining elimination entries
  2. Review and/or preparation of regulatory reports and audited financial statements. Stay current on disclosure and regulatory changes to these reports.
  3. Perform financial analysis of new products, acquisitions, or projects, and communicate recommendations to senior management on an ad-hoc basis.
  4. Prepare annual budgets for the banks and holding company.
  5. Prepare schedules and reports for internal and external auditors.
  6. Research new GAAP and regulatory accounting/reporting requirements that affect the banking industry and communicate the findings to the Finance Manager and CFO.
  7. Other special projects for the Controller, Finance Manager or CFO.
  8. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  9. Adhere to compliance procedures and participate in required compliance training.
July 22, 2020
Grade 3
Part-Time
Location: Brookings, SD
 
Overall Functions
This person is responsible for providing a safe and nurturing environment for children, under the guidance of the Lead and/or Assistant Teacher. Assist in the implementation of developmentally appropriate curriculum, in support of the program’s philosophy on early childhood education.
 
Qualifications
This person should have a high school diploma, GED or the equivalent and one year of experience with young children. Strong communication and time management skills required. Must not have on record a substantiated report of child abuse or neglect. PHYSICAL REQUIREMENTS: This person must be able to lift up to 60 pounds, sit on the floor or low child-sized chairs, walk and run short distances, walk long distances (several city blocks), remain outside in all types of weather conditions (hot, humid, cold, breezy) for short and long periods of time, stand for extended time frames and bend frequently. Must be agile enough to move quickly in response to children’s needs.
 
Responsibilities
  1. Supervise and interact with children in all areas of the Center, outdoors and on field trips away from the Center, while maintaining a safe and inviting environment. Respecting children’s dignity and individual differences.
  2. Assist in implementing a developmentally appropriate curriculum that reflects observations and assessments of the individual children, ensuring a variety of materials and activities.
  3. Create and maintain an open and professional relationship with all families and Center staff, including facilitating discussions, at the direction of the Lead Teacher, surrounding daily activity, changes and/or concerns, involving the children.
  4. Be knowledgeable of program’s health and safety regulations and emergency procedures. Ensure readiness to respond appropriately, if necessary.
  5. Attend all staff meetings and complete recommended training programs. Provide the Director with documentation, in accordance with state requirements.
  6. Act in accordance with FFC policies and procedures as set forth in the employee handbook, as well as the Kid’s World Handbook.
  7. Adhere to compliance procedures and participate in required compliance and other training as requested.
July 22, 2020
Grade 4
Full-Time
Location: Brookings, SD / Sioux Falls, SD / Metro
 
Overall Functions
This person is responsible to provide support of Business Solutions Services to new and existing business customers. This person will work closely with Business Solutions Sales Officer/Consultant, Business Bankers and various departments within Banking Operations as well as third-party vendors.
 
Qualifications
A Bachelor’s degree in a business related field and two years of bank related experience or the equivalent is required. Knowledge of bank operations, transaction flows, and risk control monitoring is required. This person must be a self-starter, possess good analytical, organizational and decision-making skills, and must be able to multi-task and work independently. Effective communication is required using strong oral and written language skills. Knowledge of banking regulations is required.
 
Responsibilities
  1. Obtain required information from new and/or existing customers to analyze and execute proper structuring of Business Solutions business products and services on operating systems.
  2. Perform ongoing customer support as needed. Facilitate resolution of in-depth customer questions or issues by routing and following up on requests to appropriate personnel or departments as needed. Effectively work with appropriate vendors to support the business customer. Keep supervisor informed of potential issues or areas of concern.
  3. Maintain a high level of knowledge of business bank products and services by attending applicable training sessions supplied by vendors and other professional organizations. Stay apprised of the latest system enhancements and industry trends.
  4. Establish, develop and maintain effective working relationship with Business Banking Officers and support staff to build a network for new customers and expand existing customer relationships.
  5. Develop, prepare and provide training for bank personnel and customer education as needed or requested at the bank location or via telephone/web conferencing.
  6. Prepare daily, monthly, and quarterly reports, summaries, and notifications regarding the analysis, activity, and growth of Business Solutions products and services.
  7. Review Business Solutions service procedures and processes at least annually, maintaining and updating as necessary.
  8. Cross-train on functions within the Business Solutions Department.
  9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  10. Adhere to compliance procedures and participate in required compliance training.
July 22, 2020
Grade 6
Full-Time
Location: Sioux Falls, SD / Brookings, SD / Metro
 
Overall Functions
This person performs periodic reviews of each business unit’s activities related to compliance with all applicable laws and regulations based on an established compliance program. This individual facilitates risk assessments and pending regulatory guidance. This person also reviews marketing materials to ensure compliance with all applicable laws and regulations, provides compliance support throughout the organization, and conducts compliance training sessions for small and large groups.
 
Qualifications
This person should have a bachelor’s degree and five years of experience as a compliance professional or experience in dealing with risk in other areas of banking or the equivalent. An above average knowledge in traditional and non-traditional bank products is required. In addition, this individual should have a compliance certification from at least one bank trade association. Strong written and verbal communication skills are required along with strong analytical and problem-solving skills. This individual should have an above average knowledge of Microsoft Office.
 
Responsibilities
  1. Monitor new and pending changes to laws, regulations, and regulatory guidance documents that may impact the organization, and assist in the implementation of new requirements.
  2. Complete risk assessment(s) and serve as a compliance resource on projects during the implementation of new products, processes, and services, including review and implementation of new or enhanced policies and procedures.
  3. Facilitate, maintains, and enhance, as needed, a comprehensive, risk-based compliance training program for new and existing employees.
  4. Recommend enhancements and changes to the compliance program to ensure effectiveness.
  5. Acts as a resource, instructor, and mentor for the education and development of Compliance Specialists and Compliance Officers, as required.
  6. Plan and conduct compliance reviews within established timeframes, ensuring all reviews conform to regulation as well as established departmental policies and procedures. Prepare working papers and detailed reporting of findings and recommendations. Ensure corrective action is taken.
  7. Provide guidance regarding compliance-related issues, including researching and collaborating with internal and external compliance resources as appropriate.
  8. 8.     Review proposed marketing materials for approval, ensuring compliance and risk factors are adequately addressed.
  9. Interact with Management in coordinating appropriate responses to identified compliance risk concerns within the organization.
  10. Resolve consumer complaints.
  11. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  12. Adhere to compliance procedures and participate in required compliance training.
July 22, 2020
Grade 3
Full-Time
Location: Princeton, MN
 
Overall Functions
This person shall be responsible for providing high quality professional licensing services to the public.
 
Qualifications
This person should have a high school diploma. This person should have good communication and problem solving skills as well as a genuine interest in satisfying the customer.
 
Responsibilities
  1. Evaluate, prepare, and process motor and recreational vehicle titles and registration applications, including processing Driver’s licenses, Minnesota ID card renewal applications, and game and fish licenses.
  2. Balance cash drawers and make daily deposits, as well as, maintain the check registers for each Department.
  3. Assist in collecting, organizing and maintaining information. This includes entering sales, handling payments and/or refunds, and collecting on returned checks.
  4. Monitor plate and sticker inventory for appropriate levels and accuracy to prevent loss. This includes ordering and entering inventory, and maintaining/monitoring record retention for appropriate time frame and proper disposal. *Full-time staff only*
  5. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  6. Adhere to compliance procedures and participate in required compliance training.
 
July 16, 2020
Grade 3
Part-Time
Location: New Prague, MN
 
Overall Functions
This person is responsible for the reception and guidance of customers in the lobby.
 
Qualifications
This person should have a high school diploma plus two years of related experience or the equivalent. This individual should have strong verbal communication skills. A general knowledge of the bank and its services, and knowledge of names, duties, and locations of the various bank personnel is needed to efficiently do this job.
 
Responsibilities
  1. Act as initial contact for customers and visitors.
  2. Identify customer needs in order to direct customers to the appropriate department or person.
  3. Receive telephone calls for Main Bank staff and process accordingly.
  4. Cross sell bank products to new and existing customers. Identify the needs of our customers and assist them with their needs or refer them to another department.
  5. Perform a variety of general clerical duties and act as support staff to key bank personnel.
  6. Conduct weekly survey of other competitors’ savings rates and distribute to appropriate bank personnel.
  7. Process check orders for the Brookings bank locations and act as a liaison with bank check vendor to resolve any errors.
  8. Assist with bank promotions and customer appreciation days.
  9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  10. Adhere to compliance procedures and participate in required compliance training.
July 14, 2020
Grade 5
Full-Time
Location: Brookings, SD or Sioux Falls, SD
 
Overall Functions
This person is responsible for processing the majority of change control requests and system inquiries for the System Support Team relating to banking software systems from all departments within Fishback Financial Corporation.
 
Qualifications
This person should have a bachelor’s degree or the equivalent. Experience in banking is preferred but not required. Above average customer service skills and the ability to complete multiple tasks while meeting deadlines are essential. This person should possess good communication and analytical skills as well as an aptitude for detail.
 
Responsibilities
  1. Take responsibility for monitoring, triaging & completing the majority of change control requests and support questions regarding banking software systems for both incoming ticket requests as well as phone calls for the department.
  2. Identify trending issues and work with Core System Administrators to implement solutions.
  3. Document and track system changes in accordance to the change control policy.
  4. Create and transmit various data files to third parties as scheduled and/or required.
  5. Assist with updating departmental procedures for all reoccurring tasks performed.
  6. Review various departmental reports including reports monitoring system access to identify potential security risks or concerns and route to Core System Administrator.
  7. Maintain department established service level goals.
  8. Monitor & take appropriate action on e-mails received in the department inbox.
  9. Assist with processing new as well as changes to end user system access by routing for proper approvals and making system changes.
  10. Assist Core System Administrators with regular access reviews for departmentally managed systems.
  11. Assist Core System Administrators with gathering requested system documentation for audits & exams.
  12. Complete a minimum of 10 hours per quarter of job/industry related training.
  13. Participate in department on-call rotation.
  14. Assist with a variety of administrative and operational tasks as directed by the Core Support Manager that support operational efficiency.
  15. Act in accordance with FFC Policies and Procedures as set forth in the employee handbook.
  16. Adhere to compliance procedures and participate in required compliance training.
July 14, 2020
Grade 6
Full-Time
Location: Brookings, SD / Sioux Falls, SD
 
Overall Functions
This person performs a wide range of audits; evaluates the internal control structure; assesses compliance with laws, regulations, bank policies, and bank procedures; updates appropriate audit programs; and performs tests and prepares reports. This person communicates audit findings to affected personnel and appropriate levels of management, and serves as a resource person in areas of specialization.
 
Qualifications
This person should have a bachelor’s degree in a related business field plus five years of previous audit experience or the equivalent. An audit or compliance related certification from at least one bank trade association is required. A good understanding of bank operations, regulatory compliance, and auditing/accounting skills is required. Strong oral and written communication skills are required, along with strong analytical and problem-solving skills. This person should also have an above average knowledge of Microsoft Office applications.
 
Responsibilities
  1. Plan the scope of audits assigned, and prepare the audit program for review and approval, including:
    • Gaining an understanding of the operations, internal controls, and any regulatory impact.
    • Performing walk-throughs.
  2. Independently perform audit field work in the areas assigned, including:
    • Evaluating the internal control system.
    • Assessing compliance with laws and regulations.
    • Developing work papers in accordance with departmental standards.
    • Performing applicable tests of the procedures, accounts, and transactions.
    • Evaluating the results.
  3. Summarize and document the results of the audit activities to provide supporting evidence for conclusions reached and the findings identified.
  4. Prepare audit reports and communicate with affected personnel and appropriate levels of
  5. Participate, from an audit perspective, in committee proceedings and evaluations of new policies, procedures, systems, and products as assigned.
  6. Maintain a current knowledge of developments applicable to the position in the areas of auditing, banking, regulatory compliance, and technology.
  7. Assist the external auditors in their work as assigned.
  8. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  9. Adhere to compliance procedures and participate in required compliance training.
July 14, 2020
Grade 3
Full-Time
Location: Madison, SD / Sioux Falls, SD / Brookings, SD
 
Overall Functions
The primary responsibility for this position is to assist with application maintenance and development to meet the requirements of stated project definitions.
 
Qualifications
This person should be pursuing an associate’s degree or the equivalent. This person must possess analytical, technical writing, and organizational skills, with the ability to exercise confidentiality and discretionary judgement.
 
Responsibilities
1.     Perform maintenance on applications to meet the requirements of project definitions.
2.     Assist with the creation of technical documentation for software, database, code, or any other internal or external user documentation.
3.     Evaluate, analyze, and troubleshoot reported software bugs in internally developed or third-party purchased software systems.
4.     Implement strategies to interface applications with databases and assist with database design under the direction of the Application Developer II.
5.     Stay current with new technology, techniques, and versions of software development.
6.     Act in accordance with FFC policies and procedures as set forth in the employee handbook.
7.     Adhere to compliance procedures and participate in required compliance training.
 
June 29, 2020
Grade 5
Full-Time
Location: Brookings, SD
 
Overall Functions
This person develops and manages consumer loan accounts that meet established lending requirements and criteria to facilitate maximum profitability for the bank with minimum risk.
 
Qualifications
This person should have a bachelor’s degree plus one year of relevant credit-related experience or the equivalent. Emphasis is placed on strong communication and analytical skills.
 
Responsibilities
  1. Seek, identify, and solicit desirable consumer loan customers in order to enhance the quality of the consumer loan portfolio while cross-selling other bank products and services.
  2. Meet with loan applicants in order to assemble required credit information and any other information that is needed in order to make a valid credit decision.
  3. Work with the Consumer Loan Processor to compile and prepare proper underwriting information and loan documents.
  4. Determine credit worthiness of applicants by analyzing credit information or referring to the Credit Administration Department as required by Loan Policy and Guidelines.
  5. Meet with the loan applicant to grant or deny the loan request. Secure required signatures and documentation while maintaining an organized and well-documented file according to the Loan Policy and Guidelines.
  6. Monitor consumer loans to ensure the high quality of the consumer loan portfolio. Ensure the complete collection of all loans extended by reviewing past-due reports and following through on collection efforts, using all legal means as required by Loan Policy and Guidelines. Also, coordinate with the Collection Department to enhance probability of recovering delinquent amounts owed.
  7. Work in conjunction with the Card Services Department to underwrite consumer credit card applications according to Loan Policy and Guidelines.
  8. Review overdrawn checking accounts on a daily basis to determine which overdrawn checks to cover and which to return unpaid according to bank guidelines and knowledge of customer to ensure that overdrafts are handled in the most appropriate manner.
  9. Respond to credit inquiries by other credit grantors and/or reporting agencies consistent with established procedures and applicable laws.
  10. Attend all loan meetings as directed by the Consumer Loan Department Manager to participate in decisions that affect ongoing and future operations of the loan function.
  11. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  12. Adhere to compliance procedures and participate in required compliance training.
 
June 29, 2020
Grade 3
Full-Time
Location: Brookings, SD
 
Overall Functions
This person shall be responsible for providing high quality retail services to customers. This person is responsible for the referral and sales of banking products to new, existing and prospective customers.
 
Qualifications
This person should have a high school diploma plus two years of prior experience in a customer service related field or the equivalent. This person should have good communication, problem solving and analytical skills as well as a genuine interest in satisfying the banking needs of the customer.
 
Responsibilities
  1. Perform general teller functions which may include but are not limited to:
    • Processing customer deposits and withdrawals
    • Accepting loan payments
    • Processing credit card cash advances
    • Selling negotiable instruments such as cashier’s checks and money orders
  2. Duties may include (Depending on location):
    • Act as Vault Teller in accordance with established procedures
    • Research teller offages and report findings to accounting
    • Balance and service ATM
    • Maintain adequate branch supplies
    • Assist in coordinating marketing of in-store promotional activities and programs
    • Complete location month end reports
  3. Maintain sufficient cash drawer funds to provide timely customer service while remaining within the drawer limit requirements set by the bank
  4. Balance teller drawer and daily transactions according to established procedures
  5. Watch for stop payments, check kiting, counterfeit or fraudulent checks and other suspicious transactions.
  6. Develop and service deposit account relationships. Answer inquiries and provide information to customers on various accounts and services, both retail and non-retail.
  7. Sell and cross-sell products and services. Identify the needs of existing and prospective customers and assist them or refer them to the appropriate department.
  8. Open new deposit and CD accounts. Accept and verify information relating to the opening of new deposit relationships in accordance with procedures (depending on location).
  9. Attend all team meetings and any other meetings and/or training deemed necessary by supervisor
  10. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  11. Adhere to compliance procedures and participate in required compliance training
  12. Perform other duties as assigned
June 29, 2020
Grade 8
Full-Time
Location: Sioux Falls, SD
 
Overall Functions
This person underwrites, services, and develops the larger and more complex business loan relationships in a profitable manner while minimizing risk. Emphasis is placed on credit quality, loan performance, and client profitability.
 
Qualifications
This person should have a bachelor's degree and a minimum of seven years of experience in business lending or the equivalent. This person should have strong experience in loan documentation, loan file compliance, credit/financial analysis, and workout strategies. This person must possess good communication, marketing, sales, and negotiation skills.
 
Responsibilities
  1. Service and administer assigned business loans in accordance with the Loan Policy and Guidelines.
  2. Interview loan applicants, and collect and analyze financial and related data to formulate proposals for existing and prospective clients.
  3. Establish and negotiate where necessary the terms under which a business banking relationship will be extended including the costs, repayment method, schedule, and collateral requirements, and include all documentation according to the Loan Policy and Guidelines.
  4. Develop new relationships by contacting prospects and clients while making sound decisions and exhibiting good credit judgment. On an ongoing basis, consider the level of risk of each loan in the portfolio and assign the corresponding risk-rating to the loan.
  5. Underwrite Business Credit Card applications in accordance with established Business Credit Card underwriting guidelines to ensure proper documentation and approval levels are met.
  6. Utilize reasonable efforts on the collection of loans extended using any legal means as outlined in the Loan Policy and Guidelines.
  7. Establish, develop, and maintain an effective working relationship with the Business Solutions Department to cross-sell products and services to new and existing clients.
  8. Review and discuss with business loan clients concerning various financial needs, cross-sell products, and answer clients’ questions about existing bank policies and procedures. Keep abreast of trends that may impact the bank's clients including legal, regulatory, and economic issues.
  9. Counsel with the Business Banking Department Manager on all matters pertinent to the operations of the Business Banking Department.
  10. Attend all loan meetings as directed by the Business Banking Department Manager to participate in decisions that affect ongoing and future operations of the Business Banking Department.
  11. Represent the bank at community activities including business, charitable, civic, and social events. Maintain a proper, responsible citizen stature as a representative of the bank.
  12. Act as a resource to others in the Business Banking Department in regards to overall banking questions including regulations, procedures, and guidelines.
  13. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  14. Adhere to compliance procedures and participate in required compliance training.
 
June 12, 2020
Grade 4
Full-Time
Location: Sioux Falls, SD / Brookings, SD / Metro
 
Overall Functions
The Compliance Analyst serves as a resource for employees regarding compliance related questions, and reviews marketing materials to ensure compliance with all applicable laws and regulations. In addition, this individual assists with compliance audits and loan reviews of each business unit’s activities related to compliance with all applicable laws and regulations based on established compliance audit program. The Compliance Analyst also assists with the day-to-day functions of the department.
 
Qualifications
This person should have a bachelor’s degree and a minimum of one year of experience in a banking-related field, preferably in areas such as compliance, audit, mortgage servicing, lending, or retail products. The individual must have strong written and verbal communication skills, along with strong analytical and problem-solving skills. This position requires an above average knowledge of Microsoft Office applications.
 
Responsibilities
  1. Support all employees of the organization by responding to questions regarding compliance related issues, including researching and collaborating with internal and external compliance resources as appropriate.
  2. Review proposed marketing materials for approval ensuring compliance and risk factors are adequately addressed, submitting to Compliance Officer III supervisor for final review and approval.
  3. Monitor new and pending changes to laws, regulations, and guidance documents that may impact the compliance program.
  4. Assist with implementation of new or enhanced policies and/or procedures through research, policy/procedure development, and training.
  5. Assist with planning and conducting compliance reviews and loan reviews within established timeframes, ensuring all reviews conform to established departmental policies and procedures. Prepare working papers and detailed reporting of review findings and recommendations, including any identified violations, exceptions, other findings, and best practices to be reviewed by the Compliance Officer III supervisor and presented for response from appropriate parties and recommend enhancements and changes to the compliance audit program to ensure effectiveness.
  6. Work closely with other business units to monitor and follow up on issues discovered during internal or external compliance audits and loan reviews to ensure corrective action taken.
  7. Resolve consumer complaints.
  8. Lead or contribute to special projects as assigned by the Compliance Manager or Compliance Officer III supervisor.
  9. Act in accordance with FBT policies and procedures as set forth in the employee handbook.
  10. Adhere to compliance procedures and participates in required compliance training.
 
August 4, 2020
Grade 3
Full-Time
Location: Vermillion, SD
 
Overall Functions
This person shall be responsible for providing high quality retail services to customers. This person is responsible for the referral and sales of banking products to new, existing and prospective customers.
 
Qualifications
This person should have a high school diploma plus two years of prior experience in a customer service related field or the equivalent. This person should have good communication, problem solving and analytical skills as well as a genuine interest in satisfying the banking needs of the customer.
 
Responsibilities
  1. Perform general teller functions which may include but are not limited to:
    • Processing customer deposits and withdrawals
    • Accepting loan payments
    • Processing credit card cash advances
    • Selling negotiable instruments such as cashier’s checks and money orders
  2. Duties may include (Depending on location):
    • Act as Vault Teller in accordance with established procedures
    • Research teller offages and report findings to accounting
    • Balance and service ATM
    • Maintain adequate branch supplies
    • Assist in coordinating marketing of in-store promotional activities and programs
    • Complete location month end reports
  3. Maintain sufficient cash drawer funds to provide timely customer service while remaining within the drawer limit requirements set by the bank
  4. Balance teller drawer and daily transactions according to established procedures
  5. Watch for stop payments, check kiting, counterfeit or fraudulent checks and other suspicious transactions.
  6. Develop and service deposit account relationships. Answer inquiries and provide information to customers on various accounts and services, both retail and non-retail.
  7. Sell and cross-sell products and services. Identify the needs of existing and prospective customers and assist them or refer them to the appropriate department.
  8. Open new deposit and CD accounts. Accept and verify information relating to the opening of new deposit relationships in accordance with procedures (depending on location).
  9. Attend all team meetings and any other meetings and/or training deemed necessary by supervisor
  10. Adhere to compliance procedures and participate in required compliance training
  11. Perform other duties as assigned
 
May 7, 2020
Grade 6
Full-Time
Location: Brookings, SD / Sioux, Falls, SD / Edina, MN
 
Overall Functions
This person oversees all areas of support for the closing and post-closing of mortgage loans including daily supervision, guidance and backup to the loan specialists and administrators performing the closing, delivery, insuring and HMDA reporting of mortgage loans originated in the mortgage department.
 
Qualifications
This person should have a bachelor’s degree plus four years of prior job-related experience or the equivalent. Good communication skills and the willingness to work with others is required. This person must be familiar with mortgage lending concepts, practices, and procedures. This person needs the ability to interact with customers, realtors, and other professionals.
 
Responsibilities
  1. Lead the team and develop an atmosphere of teamwork, open communication and unity. Provide oversight of all services offered. Actively mentor staff and ensure they are trained, evaluated, and motivated to perform their responsibilities in an effective and progressive manner.
  2. Provide training and ongoing guidance to the mortgage loan specialists and administrators working with the preparation of closing documents, delivery and insuring of all mortgage loan types including FHA, VA and Rural Development.
  3. Work with the Mortgage Loan Operations Supervisor to establish efficient procedures and practices for closing, delivery and insurance of mortgage loans. and reporting of the Home Mortgage Disclosure Act (HMDA). Assisting with the administration of the LOS software, identifying changes needed and the reporting of data.
  4. Manage volumes and work flow while assisting where needed to insure that closings are prepared and delivered as timely and accurately as possible. Monitor lock in expirations, along with investor and insurer deadlines to insure loans are sold on the secondary market within the expected timeframes.
  5. Work with Mortgage Loan Operations Officer to establish procedures, training and insure the accuracy of the monthly department reports and the quarterly/annual HMDA report
  6. Work closely with the Underwriting Department, Processing Supervisors and the Compliance Department as loan exceptions are identified and regulatory, investor and insurer guidelines change to ensure the issues and changes are communicated to the correct areas.
  7. Host and/or attend all team meetings and training seminars as deemed appropriate by the supervisor.
  8. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  9. Provide quality customer service while interacting with customers, realtors, and other professionals
  10. Adhere to compliance procedures and participate in required compliance training.
 

 
March 12, 2020
Grade 6
Full-Time
Location: Roseville, MN
 
Overall Functions
This person underwrites, services, and develops business loan relationships in a profitable manner while minimizing risk. Emphasis is placed on credit quality, loan performance, and client profitability.
 
Qualifications
This person should have a bachelor's degree and a minimum of two years of related experience or the equivalent. Experience in loan documentation, loan file compliance, and credit analysis, as well as an in-depth understanding of business and personal financial concepts, is recommended. This person must possess good communication, marketing, sales, and negotiation skills.
 
Responsibilities
  1. Service and administer assigned business loans in accordance with the Loan Policy and Guidelines.
  2. Interview loan applicants, and collect and analyze financial and related data to formulate proposals for existing and prospective clients.
  3. Establish and negotiate where necessary the terms under which a business banking relationship will be extended, including the costs, repayment method, schedule, and collateral requirements, and include all documentation according to the Loan Policy and Guidelines.
  4. Develop new relationships by contacting prospects and clients while making sound decisions and exhibiting good credit judgment. On an ongoing basis, consider the level of risk in each loan in the portfolio and assign the corresponding risk rating to the loan.
  5. Maintain a high level of knowledge of Business Solutions products and services. Develop and maintain effective working relationships between the Business Solutions Department and the Business Banking Department to promote cross-selling of products and services.
  6. Underwrite Business Credit Card applications in accordance with established Business Credit Card underwriting guidelines to ensure proper documentation and approval levels are met.
  7. Utilize reasonable efforts on the collection of loans extended using any legal means as outlined in the Loan Policy and Guidelines.
  8. Review and discuss with business loan clients concerning various financial needs, cross-sell products, and answer clients’ questions about bank policies and procedures. Keep abreast of trends that may impact the bank's clients, including legal, regulatory, and economic issues.
  9. Counsel with the Business Banking Department Manager on all matters pertinent to the operations of the Business Banking Department.
  10. Attend all loan meetings as directed by the Business Banking Department Manager to participate in decisions that affect ongoing and future operations of the Business Banking Department.
  11. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  12. Adhere to compliance procedures and participate in required compliance training.
 
January 9, 2020
Grade 6
Full-Time
Location: Sioux Falls, SD
 
Overall Functions
This person develops and manages the larger and in some cases more complex Mortgage loans that meet established lending requirements and criteria and which provide maximum profitability to the Bank with a minimum of risk.
 
Qualifications
This person should have a bachelor’s degree, plus a minimum of five years of progressively advanced experience in bank lending or equivalent. Emphasis is placed on suitable communication skills as well as aptitude for detail.
 
Responsibilities
  1. Seek, identify and solicit desirable mortgage loan customers in order to achieve maximum profitability, with minimum risk to the Bank.
  2. Interview mortgage loan applicants in order to assemble the information needed to make a credit decision.
  3. Assist customers in the application process and answer inquiries about the mortgage loan process and/or bank policies and procedures.
  4. Determine credit worthiness of applicants by analyzing credit information and appraisals and submit the file to a bank underwriter for processing to the secondary market.
  5. Close each mortgage loan in accordance with Loan Policies and Guidelines and Industry Standards to insure the accuracy and completeness of loan documentation.
  6. Ensure the complete collection of all loans extended by monitoring past due reports and following through on collection efforts, using all legal means as required by Loan Policies and Guidelines.
  7. Remain current on industry products and developments, ensuring the Bank’s ongoing competitive advantage. Be able to present the benefits of each product to best meet the customer’s need.
  8. Provide ongoing customer service to ensure customer retention and continued cross selling. Establish a deposit goal and strive to meet or exceed that figure.
  9. Attend all loan meetings as deemed appropriate or directed by the VP to participate in decisions, which affect ongoing and future operations of the loan function.
  10. Provide guidance and assistance to the other Mortgage Department Staff.
  11. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  12. Adhere to compliance procedures and participate in required compliance training.
  13. Responsible for the accounts payable function, which includes the timely and accurate signing off and approving the payment of invoices.
 
December 20, 2019
Grade 7
Full-Time
Location: Brookings, SD
 
Overall Functions
This person is to underwrite and service a wide variety of agricultural loans, some of which may be complex and involve large amounts of money, in a profitable manner while minimizing risk. Emphasis is placed on credit quality, loan performance and customer profitability.
 
Qualifications
This person should have a bachelor’s degree in a related field and a minimum of five years of experience in the bank lending area or the equivalent. This person should have strong experience in loan documentation, loan file compliance and workout strategies. It is necessary that this person possess good communication skills.
 
Responsibilities
  1. Develop new business by contacting prospects and customers while making sound decisions and exhibiting good credit judgment.
  2. Service and administer assigned loans in accordance with existing Loan Policies and Guidelines.
  3. Interview loan applicants, and collect and analyze financial and related data to determine the feasibility of the prospect and the merits of the specific loan request.
  4. Establish and negotiate where necessary the terms under which credit will be extended, including the costs, repayment method, schedule, and collateral requirements to include securing required signatures and all documentation according to the Loan Policy and Guidelines.
  5. Perform annual collateral inspections to ensure adequate security coverage for the credit.
  6. On an ongoing basis, consider the level of risk in each loan in the portfolio and assign the corresponding risk rating to the loan.
  7. Utilize reasonable efforts on the collection of loans extended using any legal means as outlined in the Loan Policy and Guidelines.
  8. Review and discuss with agricultural loan customers concerning various financial needs and answer customer questions about existing bank policies and procedures.
  9. Counsel with the Senior Ag Loan Officer all matters pertinent to the operations of the agricultural loan function.
  10. Attend all loan meetings as directed by the Senior Ag Loan Officer to participate in decisions, which affect ongoing and future operations of the loan function.
  11. Keep informed of trends, which may impact the Bank's agricultural loan portfolio, including legal, regulatory and economic issues.
  12. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  13. Adhere to compliance procedures and participate in required compliance training.
 
August 3, 2020
Grade 3
Part-Time
Location: Princeton, MN
 
Overall Functions
This person is responsible for the reception and guidance of customers in the lobby.
 
Qualifications
This person should have a high school diploma plus two years of related experience or the equivalent. This individual should have strong verbal communication skills. A general knowledge of the bank and its services, and knowledge of names, duties, and locations of the various bank personnel is needed to efficiently do this job.
 
Responsibilities
  1. Act as initial contact for customers and visitors.
  2. Identify customer needs in order to direct customers to the appropriate department or person.
  3. Receive telephone calls for Main Bank staff and process accordingly.
  4. Cross sell bank products to new and existing customers. Identify the needs of our customers
    and assist them with their needs or refer them to another department.
  5. Perform a variety of general clerical duties and act as support staff to key bank personnel.
  6. Conduct weekly survey of other competitors’ savings rates and distribute to appropriate bank
    personnel.
  7. Process check orders for the Brookings bank locations and act as a liaison with bank check
    vendor to resolve any errors.
  8. Assist with bank promotions and customer appreciation days.
  9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  10. Adhere to compliance procedures and participate in required compliance training.
August 3, 2020
Grade 5
Full-Time
Location: Brookings, SD or Sioux Falls, SD or Twin Cities Metro, MN
 
Overall Functions
This person provides required mortgage loan underwriting in accordance with secondary market standards. This person also assists in training the mortgage loan operations staff and the mortgage loan processing function. This position also provides mortgage loan processing support for the mortgage loan officers.
 
Qualifications
This person should have a bachelor’s degree plus three years of experience in all mortgage loan types or the equivalent. This person must have the ability to exercise independent and sound underwriting judgment and effectively apply knowledge of regulatory and industry guidelines to loan decisions. Good communication skills plus the willingness to work with others is required.
 
Responsibilities
  1. Review credit packages for credit quality, property eligibility, properly executed documentation, and compliance. Approve, suspend, or deny credit requests based on established industry standards. Communicate credit decisions to the mortgage loan officer and processor, and clarify any necessary requirements to resolve outstanding credit issues.
  2. Assist in any training for the mortgage loan operations staff and the mortgage loan processing function according to established procedures, including preparation and monitoring of all mortgage loan documentation from origination to closing, identification of complete and accurate documentation for all types of mortgage loans, and submission of credit packages for underwriting.
    Direct the secondary market function, ensuring effective and efficient underwriting, shipping, post-closing follow-up, document control, and accounting.
  3. Monitor and update manuals and software for regulatory, industry, and product changes as
  4. required. Assist the Senior Mortgage Underwriter to control and administer access, installation, and implementation of all mortgage-related software and updates.
  5. Assist the Senior Mortgage Underwriter to monitor new and pending changes to laws, regulations, and regulatory guidance. Attend seminars and other educational opportunities as needed.
  6. Attend loan/compliance department meetings as requested by management to participate in decisions that affect ongoing and future operations of each department.
  7. Advise and assist management in maintaining and updating the bank’s Loan Policy and Guidelines according to established procedures.
  8. Provide support to correspondent and branch banks with origination, underwriting preparation, and closings for secondary loans.
  9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  10. Adhere to compliance procedures and participate in required compliance training.
August 3, 2020
Grade 5
Full-Time
Location: Brookings, SD or Sioux Falls, SD or Twin Cities Metro, MN
 
Overall Functions
This person prepares written in-house valuations related to valuing residential, commercial, and agricultural real estate held as collateral. This individual develops and maintains resources and contacts to establish competent and educated real estate market opinions.
 
Qualifications
This person should have a bachelor’s degree in business or finance plus three years of relevant experience or the equivalent. A background in real estate, valuation assessment, or other credit underwriting experience within a residential, commercial, or agricultural business is necessary, including knowledge of appraisal theory and real estate lending. A basic understanding of applicable banking laws, rules, regulations, and requirements is important. Excellent communications skills are required, along with proficiency in Outlook, Word, and Excel. Must be able to meet objectives, goals, and deadlines with minimal guidance.
 
Responsibilities
  1. Develop and complete the preparation of internal residential, commercial, and agricultural real estate valuations.
  2. Order and review real estate appraisals from bank-approved appraisers.
  3. Consult with bankers regarding financial feasibility, risk, loan structuring, LTV, LTC, DSCR, etc.
  4. Research and collect market data pertaining to current market conditions: absorption, demographics, employment, new companies, rents, vacancies, etc. for each major property type (retail, office, industrial, and agricultural).
  5. Answer general real estate, appraisal, and other market questions for bankers and staff.
  6. Obtain environmental reports and other independent reports as needed to support the lending group in risk evaluation.
  7. Establish and maintain relationships with realtors, fee appraisers, bankers, and other knowledgeable market participants.
    Assist Credit Administration Department with various job functions.
  8. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  9. Adhere to compliance procedures and participate in required compliance training.
August 5, 2020
Grade 4
Full-Time
Location: Brookings, SD
 
Overall Functions
This person works as part of an autonomous team and performs a wide variety of duties related to deposit and payment transactions for First Bank & Trust. This includes processing, exceptions, reconciliation, research, maintenance and support for both internal and external customers. This person may be required to work in the evenings and/or during on-call hours.
 
Qualifications
This person should have an associate’s degree in a business-related field and one year of bank-related experience or the equivalent. Above average customer service skills and the ability to work independently, as well as part of a team, to complete a variety of tasks while meeting deadlines. This person should have an aptitude for detail and accuracy and possess problem solving skills.
 
Responsibilities
  1. Process ACH and/or Check 21 files with accuracy and attention to detail, as well as understand how the ACH and Check networks operate. Follow the appropriate Rules and Regulations related to file processing and possible exceptions to ensure completion within the appropriate timeframes. Respond to research and maintenance requests promptly.
  2. Process credit card applications and maintain a solid working relationship with underwriters. Process credit card payments, as well as respond to customer inquiries and research requests promptly and professionally. Work with vendors when appropriate regarding the credit card portfolio.
  3. Monitor day to day activity for ATM fleet. Communicate with Retail staff and vendors as appropriate to ensure ATM functionality. Keep Support Analysts and Supervisor informed of trending issues to be further researched; they are also your contact point for escalated situations.
  4. Be engaged with Continuous Improvement initiatives to contribute to process improvements, operational efficiencies, and superior customer service.
  5. Perform quality checks of all critical, key daily functions within the department and respond to department emails as appropriate. Assist in reviewing, maintaining, and updating department procedures annually, at a minimum. Strengthen team dynamics by participating in cross-training efforts as needed.
  6. Act as a resource for internal and external customers across the organization in regards to deposit accounting functions and applicable regulations. Respond to customer inquiries and requests in a timely manner; assisting frontline staff promptly to expedite resolutions to customer issues.
  7. Research, investigate, track, and follow all Regulation E rules, demonstrating accuracy, thoroughness, and orderliness in working ACH disputes and ATM/POS disputes. Respond to customers in accordance with Regulation E timeframes.
  8. Contribute to and support Operational programs. Be familiar with and practice the “Be the 1” principles. Actively pursue developmental opportunities as discussed in one-on-ones and/or annual performance reviews.
  9. Comply with laws, regulations, and policies that impact the business, keeping the supervisor and department manager apprised of potential issues or areas of concern.
  10. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  11. Adhere to compliance procedures and participate in required compliance training.
August 5, 2020
Grade 5
Full-Time
Location: Brookings, SD or Sioux Falls, SD or Twin Cities Metro, MN
 
Overall Functions
This person performs compliance reviews of each business unit’s activities related to compliance with all applicable laws and regulations based on established compliance program. This person reviews marketing materials to ensure compliance with all applicable laws and regulations, answers compliance questions from throughout the organization, and conducts compliance training sessions for small and large groups.
 
Qualifications
This person should have a bachelor’s degree and two years of experience as a compliance professional or experience in dealing with compliance risk in other areas of banking or the equivalent. In addition, this individual should have a compliance certification from at least one bank trade association. Strong written and verbal communication skills are required, along with strong analytical and problem-solving skills. This individual should have an above average knowledge of Microsoft Office.
 
Responsibilities
  1. Support all employees of the organization by responding to questions regarding compliance-related issues, including researching and collaborating with internal and external compliance resources as appropriate.
  2. Plan and conduct compliance reviews within established timeframes, ensuring all reviews conform to regulation as well as established departmental policies and procedures. Prepare working papers and detailed reporting of findings and recommendations. Ensure corrective action is taken.
  3. Recommend enhancements and changes to the compliance program to ensure effectiveness.
  4. Review proposed marketing materials for approval, ensuring compliance and risk factors are adequately addressed.
  5. Complete risk assessments and serves as a compliance resource on projects during the implementation of new products, processes, and services.
  6. Assist with review and implementation of new or enhanced policies and/or procedures.
  7. Assist with facilitating a comprehensive, risk-based compliance training program for new and existing employees. Conduct assigned compliance training sessions.
  8. Resolve consumer complaints.
  9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  10. Adheres to compliance procedures and participates in required compliance training.
 
 
 
 
 
 
 
 
 
 
 
 
 
Fishback Financial Corporation is an Equal Opportunity, Affirmative Action employer supporting minorities, women, sexual orientation, gender identity, veterans, and individuals with disabilities. Read our complete Equal Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email hr@bankeasy.com.