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CB Access - Customers Bank

Careers

Thank you for your interest in a career with Customers Bank.

Our team members are one of our most valuable assets. We are committed to delivering: training, support from management at all levels, competitive pay and benefits to our team members.

Please submit your resume to [email protected]

ACH Administrator I

Department:

Phoenixville, PA

Position Summary:

Customers Bank is a High-Touch with High-Tech Institution who always put our customers first. To support this vision the bank is currently looking for a diligent ACH Administrator to support functionality of all ACH systems and services. This position will involve, but not be limited to, accurate and timely posting of all ACH files per NACHA Guidelines, new Originator set-ups, processing customer request, as well as working with other internal departments in support of our Consumer and Commercial Customers. This person will also participate in special projects (e.g. conversion, release, disaster recovery, etc.) Partners with Cash/Treasury Management in support of clients.

Key Accountabilities:

  • Ensures all ACH processing requirements are met, files and processes are initiated and run on a timely basis.
  • Daily balancing of all incoming and outgoing files.
  • Research and completing all customer and Branch request.
  • Fulfillment of Originator set-up and maintenance for Cash Management Clients.
  • Monitoring system reports.
  • Follows Bank and Regulatory operational procedures. Recommends enhancements to improve quality and efficiency of ACH process.
  • Creating and providing monthly management reports.
  • Processes ACH returns and notice of corrections daily.
  • Performs other duties as assigned by management.

Skills / Knowledge / Requirements:

  • Full Time Position
  • High School Diploma or equivalent
  • 2-3 years General Banking or Accounting experience
  • MS Office products general knowledge
  • Customer Service and communication skills
  • Organization and Time Management skills
  • Knowledge of NACHA Rules and Regulations preferred
  • ACH Plus system knowledge preferred

This job description is not intended to be all-inclusive, and employees will be required to perform additional related work duties as assigned by their immediate supervisor and/or management.

AAP Certification a Plus

Commercial Credit Analyst

Department:

Exeter/Phoenixville, PA

Position Summary:

Position supports the Bank’s lending officers and the Vice President of Credit Administration through analysis of financial information provided by borrowers and the preparation of analytical materials and credit memoranda. Assists lenders in decision process for new loans, renewals of existing loans and the maintenance of ongoing credit relationships.

Key Accountabilities:

  • Performs financial statement spreading and analysis on all assigned credits. This includes new loans and annual reviews for existing loans.
  • Prepares credit memoranda for new loans, renewals and participations on assigned credits.
  • Performs research through available sources to complete credit analysis or to assist lending officers in credit decision process.
  • Prepares credit memoranda and supporting materials for Loan Committee on assigned credits.
  • Assists lending officers and VP of Credit Administration in maintenance of complete and updated credit files for all loans. This includes follow-up with clients to obtain current financial statements and tax returns as required in the credit terms.
  • Performs specialized reviews of collateral or loan exposures to customers as requested by lenders or VP of Credit Administration.
  • Provides other credit administration support to lending officers and VP of Credit Administration as necessary to manage credit risk and maintain high quality in the loan portfolio. Includes assistance in follow-up with clients on loan delinquencies and account overdrafts; preparation of Adverse Action Notices and collection of information for turndown and withdrawn application files; and follow-up on missing loan documents, insurance, etc.

Required Experience/ Minimum Qualifications:

  • Credit analysis experience in a financial institution is strongly preferred.
  • Experience in preparation of credit memoranda is strongly preferred.
  • Solid knowledge of accounting through college accounting degree or equivalent experience is required.
  • Satisfactory written and verbal communication skills are required.

Commercial Operations Specialist

Department:

Phoenixville, PA

Position Summary:

This position plays an important role in the support of the bank’s Business and Commercial customers with respect to cash management and banking products and services.The primary role of the Commercial Operations Specialist is to drive customer satisfaction through the effective setup of the customer’s commercial products and services. The primary responsibility of the Commercial Operations team is to manage the onboarding process for all business and commercial customers with their Cash Management service requests. The products and services managed by the team include Business Online Banking, Wires, ACH, Remote Deposit Capture, Sweeps, ICS/CDARs, Lockbox, etc. The team also directly supports the single point of contact for any system issues or training needs which does include direct customer contact.

Key Accountabilities:

  • The quick and effective setup of commercial products and services for the Commercial and Business Banking teams
  • Support of the bank’s commercial and business customers for all their product and service needs
  • Quickly resolve customer issues and complaints
  • Identify and suggest process improvement for the department
  • Handle escalated issues and coordinates solutions with the vendor
  • Manage audit request and responses, as needed
  • Help write and maintain departmental procedures and forms

Skills / Requirements

  • Professional with at least 2-3 years of banking experience
  • Understanding of commercial banking services and products
  • Excellent customer service skills
  • Ability to manage time and prioritize tasks in a high-pressure environment
  • Strong analytical skills
  • Knowledge of federal and local banking regulations
  • Attention to detail required
  • Able to work well under pressure and time sensitive deadlines
  • Knowledge of all business products including, business online banking, bill pay, Remote Deposit, ACH, Wires, positive pay, sweeps, mobile, etc
  • Strong computer skills
  • Exceptional problem solving and communication skills
  • Ability to work in a fast-paced, team environment

This candidate will need to be flexible and able to adjust to a fast moving and changing environment.

Consumer Loan Underwriter

Department:

Langhorne, PA

Role Summary:

Underwrites consumer loan applications including home equity, vehicle and unsecured loans. Evaluates loan requests in order to maximize organizational profit and minimize risk of loss. Monitors property appraisal process. Familiar with a variety of the field's concepts, practices, procedures and all consumer loan related regulations. Relies on extensive experience and judgment to plan and accomplish goals. May lead and direct the work of others. A wide degree of creativity and latitude is expected.

Key Skills:

  • The successful candidate will possess superior analytical skills and attention to detail, and the ability to maintain consistency and fairness in the underwriting process
  • Must possess superior interpersonal skills and the ability to work as part of a team

Technology Strengths:

  • Familiarity with all Microsoft applications, smart phone, and mobile apps
  • Experience with Encompass or similar home equity system a plus

Must-Haves:

  • Experience with underwriting and processing all types of consumer loans, including unsecured, home equity and auto
  • Thorough knowledge of all consumer lending related regulations
  • The ability to underwrite consumer loans quickly and efficiently while maximizing loan quality, keeping within the Bank’s high loan quality standards and processing an equal share of loan requests

Customers Bank Culture:

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our Vision, Mission, and Values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our Team Members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Customer Service Manager

Department:

Wyomissing, PA

Role Summary:

The primary role of the Customer Service Manager is to help manage the operational needs of the Bank’s Jumbo CD Portfolio which includes but not limited to onboarding new accounts, handling rollovers, processing closeouts, preparing verifications and name changes for the financial institutions. Assists in handling Executive customer complaints, answering incoming customer calls, and other duties as assigned.

Key Skills:

  • Excellent customer service skills
  • Outstanding oral and written communication skills
  • Positive attitude and Team player
  • Requires flexibility and can adapt quickly to the changing needs of Client Relations
  • Ability to work independently and can multi-task
  • Time management skills a must
  • Strong analytical skills; problem solver
  • Knowledge of federal and local banking regulations
  • Detail oriented
  • Proficiency in Microsoft Office – Word, Excel, Outlook

Actions Be Successful in This Role:

  • Accurately, efficiently and timely onboarding of Jumbo CDs
  • Processes new Jumbo requests through QwikRate and CD Rateline
  • Thoroughly investigates and approves the new Jumbo requests; provided they meet our new account requirements
  • Provides support for all servicing needs of the Jumbo customers
  • Quickly troubleshoots and resolves any related customer issues and complaints
  • Identifies and suggests process improvements for the Team
  • Assists with any audit requests and responses
  • Helps maintain departmental procedures
  • Provides exceptional customer service to internal and external customers

Customers Bank Culture:

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our Vision, Mission, and Values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our Team Members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Director of Loan Review

Department:

Wyomissing, Phoenixville, PA

Role Summary:

To develop and execute a loan review plan covering the Bank’s commercial loan portfolios. The Director will conduct analysis on loan concentrations and perform stress tests, evaluate adherence to policies, procedures and validate risk ratings on the various loan portfolios.

Key Skills:

  • Establish goals, objectives, plans for the Department
  • Supervise and train junior loan review officers
  • Ability to prioritize and organize assignments, i.e. execute the Loan Review Plan
  • Ability to handle multiple projects simultaneously
  • Excellent verbal and written communication skills; ability to prepare risk reports
  • Ability to evaluate the accuracy of risk ratings
  • Ability to successfully negotiate risk rating changes with loan officers
  • Test for compliance with applicable federal laws/regulations
  • Travel may be required for participation in due diligence activities of potential acquisitions
  • Identify, communicate and support issues that need corrective action and other recommendations for improvement

Technology Strengths:

  • Computer systems; Device expertise (smartphone, iPad, mobile apps); Program, etc.
  • Proficiency in PC skills for Microsoft Office-Word, Excel, Powerpoint, Outlook
  • Proficiency in software programs for commercial loan analytics

Must-Haves:

  • Bachelors Degree and previous experience as a Director of Loan Review 7 years minimum, and 5 years of experience as a Loan Review Officer or Bank Examiner
  • Success will be measured by the execution and completion of the annual Loan Review Plan
  • Position reports to the Chief Risk Officer of Customers Bank
  • Goals will be to design and implement an effective and dynamic Loan Review Plan, including stress testing, concentrations, and overall portfolio risk.

Customers Bank Culture:

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our Vision, Mission, and Values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our Team Members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Fraud Analyst/Investigator

Department:

Wyomissing, PA

Position Summary:

Mitigate fraud losses across multiple payment channels through review and investigation of potential or actual fraud events posing significant risk to the bank.

Key Skills:

  • Detailed knowledge of current and emerging fraud threats facing the financial services industry.
  • Strong multi-tasking and organizational skills to thrive in a fast-paced, ever changing environment.
  • Experience managing fraud detection systems covering multiple payment channels.
  • Ability to work independently and with the self-confidence to make important decisions with limited guidance and time for in-depth analysis.
  • Understanding of various regulations associated with deposit products and those impacting fraud detection/investigation such as, Suspicious Activity Reporting, Regulation CC, Regulation E, NACHA, Uniform Commercial Code, GLB, etc.
  • Excellent oral and written communication skills

Technology Strengths:

  • Microsoft Office Suite – Excel, Word, Outlook
  • iPhone
  • Ability to quickly learn/navigate new systems (fraud detection, OSI-DNA, etc.)

Must-Haves:

  • Management and daily review of alerts generated from various fraud mitigation systems covering multiple payment channels.
  • Research complex fraud investigations originating from all areas of the organization, including Retail Banking, Deposit Operations, Higher One, and any resulting from review of various fraud detection systems monitored by LP&S.
  • Perform post mortem analysis on fraud loss events to identify process/control weaknesses and recommend actionable mitigation strategies.
  • Maintain and update case management system in a timely and precise manner to facilitate accurate and comprehensive reporting of fraud trends/data to senior management, along with completion of Suspicious Activity Reports in full compliance with regulatory guidelines.
  • Provide support to Error Resolution (Reg. E.) team members, including dispute intake and investigation.
  • Build relationships with internal business units, external vendors, fraud departments at other financial institutions and law enforcement to facilitate information sharing, promote two way communication of fraud trends/issues, improve fraud detection/prevention capabilities, etc.

Customers Bank Culture:

Our Vision, Mission, and Values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our Team Members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Inside Sales, Loan Originator

Department:

Phoenixville, PA

Position Summary:

Are you dedicated to providing outstanding customer service? Deliver exceptional service to prospective borrowers that come from a variety of marketing channels. Responsibilities include managing customer relationships, negotiating loan terms, setting expectations, and taking residential loan applications.

Key Accountabilities:

  • Maintain a positive sales environment by educating potential borrowers, Real Estate Agents and Homebuilder sales representatives on the Company’s products and services.
  • Respond to customer inquiries with urgency
  • Complete thorough loan applications by communicating with prospective applicants and obtain specified information relating to the loan or credit application; correspond with applicant via telephone, email or in-person to resolve any questions regarding application information.
  • Perform prequalification assessment and analysis of financial condition and risk of financing requests within the Company’s credit policies and programs, as well as all state and federal lending regulations.
  • Negotiate rate, terms and conditions of the loan.
  • Lock loans on time and in the correct product type to avoid fall-out.
  • Collect up-front fees from applicant.
  • Submit complete loan application, including all required documents and disclosures, and coordinate the process with assigned processing center.
  • Input loans into appropriate Automated Underwriting System (AUS), such as DU or LP, for underwriting decision.
  • Assist with, and solve, issues relating to processing, underwriting and closing of loans.
  • Represent the Company in various community and civic functions to enhance the Company’s image and develop additional business.

Skills / Knowledge

  • Ability to negotiate persuasively to produce positive outcomes.
  • Ability to effectively listen and respond to customers’ needs.
  • Ability to demonstrate a strong desire to satisfy one’s internal and external customers by displaying superior customer service skills.
  • Ability to demonstrate solid selling skills and techniques.
  • Ability to maintain and foster strong partnerships with customers.

Required Experience / Minimum Qualifications

  • Associates Degree or equivalent experience
  • Customer Service Experience a plus
  • Willingness to learn
  • Strong PC skills

Interest Rate Risk Manager

Department:

Wyomissing, PA

Position Summary:

Are you dedicated to providing outstanding customer service? Deliver exceptional service to prospective borrowers that come from a variety of marketing channels. Responsibilities include managing customer relationships, negotiating loan terms, setting expectations, and taking residential loan applications.

Role Summary

  • The candidate would be responsible for the Bank’s Interest Rate Risk Model
  • The candidate would be responsible for developing, implementing and maintaining structural interest rate risk analytics that measure, monitor and report on the Bank’s asset liability positions, interest rate risks, earnings sensitivities and other key risk metrics
  • This will be a hands-on role where the candidate will be expected to conduct mortgage prepayment, interest rate term structure and balance sheet (deposits, borrowings, debt, loans, leases, fixed income securities, derivatives, etc.) cash flow behavior modeling and calibration using vendor software
  • Model a variety of scenarios and considered strategies and transactions to help management understand their potential impacts to the Bank’s Interest Rate Risk profile
  • The candidate will work for, and report to, the Treasurer and will work directly with members of Senior and Executive Management including the Chief Financial Officer, Director of Corporate Planning, Director of Enterprise Risk Management and the Business Unit leaders on a regular basis
  • The candidate will interact with various oversight functions including Audit, Regulators, Risk Management, SOX, etc.
  • The candidate will be responsible for assembling model assumptions and providing verifiable support for those assumptions by performing prepay analyses, core deposit studies, etc.

Key Skills

  • Minimum of 5 years’ experience with interest rate risk modeling
  • Minimum education of a BS / BA in Finance, Accounting, Statistics, Mathematics, or similar quant field
  • Experience with development of model assumptions and ability to document and test those assumptions utilizing core deposit studies, prepay analyses and other tools
  • Develop and maintain modeling assumptions document that incorporates all input into the Bancware model to create complete transparency of all assumptions
  • Experience in running model validations and back test reports
  • Ability to generate the Bank’s base case interest rate risk profile as well as additional interest rate shifts and shocks to capture the essence of the interest rate risk facing the Bank in multiple scenarios
  • Understanding of regulation affecting interest rate risk management particularly at a Bank regulated by the Federal Reserve Bank and State Department of Banking
  • Proven analytical and problem solving skills
  • The ability to work well in a fast paced, detail oriented, deadline driven environment coordinating multiple projects simultaneously

Technology Strengths

  • Experience with interest rate risk models especially with SunGard’s Bancware model preferred
  • Advanced spreadsheet skills and extensive knowledge of PC and database skills including Microsoft Excel, Access, and PowerPoint
  • Essbase database knowledge helpful
  • SQL knowledge a plus

Customers Bank Culture:

Our Vision, Mission, and Values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our Team Members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Loan Documentation Processor

Department:

Phoenixville, PA

Role Summary

The Loan Documentation Processor assists in drafting in-house loan documents produced by the Bank. This individual also assists in tracking any deficiencies or missing items via an exception report.

Key Functions

  • Prepare in-house loan documentation using the Laser Pro software systems, MS Word templates, etc.
  • Review documents prepared by counsel for larger real estate loans ensuring that all required info is there and that it is documented to fit our system specifications.
  • Perform post-closing review of loans ensuring that all documents are signed and returned, CIP and OFAC information has been obtained as required, and any other necessary documents or information is in the file and noted on the Loan Checklist.
  • Prepare Allonges or Renewal Notes for loans which are being extended
  • Prepare Change in Terms agreement or collateral modifications for loans in which loan terms or collateral are changed during the course of the loans.
  • Assist in compiling exception report for outstanding exceptions and monitor for updates as loan officers resolve issues
  • Assist in the input of loans requiring entry onto the HMDA LAR
  • Prepare loan closing checks as necessary
  • Assists loan officers in obtaining customer information for CIP purposes
  • Assists in Loan Operations functions as a back-up during slow documentation periods. This includes booking loans, auditing new loan input, loan maintenance etc. as needed by the Loan Ops area.

Key Skills

  • Prior experience in loan documentation & with Laser Pro software preferred but not required.
  • Ability to work independently
  • Ability to handle detail oriented functions without errors Ability to organize and prioritize work
  • Strong interpersonal skills in dealing with “internal customers”.

Technology Strengths

  • Knowledge of Laser Pro documentation software, Microsoft Office (Word, Excel & Outlook) preferred.

Customers Bank Culture:

Our Vision, Mission, and Values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our Team Members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Reg E Analyst (Card Fraud and Disputes Analyst/ Investigator)

Department:

Wyomissing, PA

Role Summary

The primary objective for the Card Fraud and Disputes Analyst/Investigator is to centralize and manage customer disputes across multiple payment channels with specific emphasis on Regulation E (Card and ACH) claims.

Key Skills

  • Possess and continually maintain subject matter expertise on all relevant banking rules and regulations, including Regulation E, NACHA, and UCC, along with VISA rules and best practices.
  • Detailed knowledge of current and emerging fraud threats facing the financial services industry.
  • Experience developing and implementing detailed policies and procedures to improve regulatory compliance, operational efficiencies and customer service.
  • Strong multi-tasking and organizational skills to thrive in a fast-paced, ever changing environment.
  • Experience managing fraud detection systems covering multiple payment channels.
  • Ability to work independently and with the self-confidence to make important decisions with limited guidance and time for in-depth analysis.
  • Excellent oral and written communication skills.

Technology Strengths

  • Microsoft Office Suite (Word, Excel, PowerPoint, etc), aptitude to quickly learn various bank systems, experience using data mining tools, such as SQL a plus.

Key Responsibilities/ Qualifications

  • Serve as direct point of contact for internal and external customers for the intake, analysis, processing and investigation of Card, ACH and Check claims/disputes.
  • Review and analyze Card-related alerts (FRIS, CAMS) on daily basis, perform link/trend analysis of all alerts and claims/disputes, and continually review, refine and configure FRIS system parameters to mitigate fraud losses with minimal customer impact.
  • Build and maintain centralized dispute policies and procedures, with specific emphasis on the Debit Card and ACH channels.
  • Support Facilities and Security with other critical fraud mitigation initiatives, projects, investigations etc.
  • Experience: Minimum five years financial services experience in Card claim/dispute function and fraud analysis/investigation required.

Customers Bank Culture:

Our Vision, Mission, and Values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our Team Members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Customers Bank will provide consideration for employment to qualified applicants without regard to their race, color, religion, national origin, sex, protected veteran status or disability.