FUNCTION:

　　Participates in developing, recommending and implementing annual quality control programs based on risks identified through the risk assessment process. Following implementation in additional business lines, assumes responsibility for ensuring independent review and assessment of those areas.

　　On-going implementation and maintenance of a comprehensive monitoring program to assess the continued effectiveness of policies, procedures and controls designed to ensure compliance with all applicable regulations, recommending improvements where necessary and assisting in the implementation of such improvements.

　　Partners with the Business line managers to ensure the Bank’s needs are met in regards to high quality output. Makes necessary recommendations to improve processes, correct areas of concerns or identifies any trends or patterns.

　　Partners with the Business line management to review any trends or patterns that are identified and provide recommendations for management with corrective action.

　　Performs complex research and analysis of guidelines and regulations in order to monitor and ensure compliance with regulatory, investor guidelines and, government programs.

　　Monitors, evaluates and provides feedback to Management regarding integrity of the loan origination, deposit, loan servicing and delinquency processes.

　　Develops reporting systems that provide senior and executive management with critical data necessary to assess quality review process.

　　Responsible for ensuring that the overall quality of the Bank’s residential mortgage loan portfolio is independently reviewed and assessed.

　　Periodically provides written and/or verbal reports to management identifying outcomes of quality control activities including deficiencies in compliance, guidelines and/or procedures.

　　Participates on assigned committees and work teams relating to Quality Control projects. LEVELS:

　　I -The employee is responsible to perform the activities of single or multiple functional areas, with supervision.

　　II -The employee is independently proficient / competent in multiple functional areas.

　　III -The employee is competent / proficient in all aspects of the role, and can train and act as a resource to other associates in the role.

　　ACCOUNTABILITIES:

　　Operations/Process:

　　Make recommendations to adequacy and effectiveness of procedures and/or policies, exception reporting systems, loan administration and risk management practices.

　　Remains current on operating policies, procedures, investor, regulatory and government guidelines where applicable to ensure adequate controls exist to manage risk and meet the needs of all portfolios throughout the bank. .

　　Directs staff to conduct regular reviews of processes, policies and procedures, and conducts improvement activities as required.

　　Ensures that detailed programs used during the performance of reviews reflect contemporary quality control, compliance monitoring and loan review techniques to accomplish objectives effectively.

　　Identifies areas of training need through quality control reviews.

　　Partners with Managers, Directors and Employee Development as a subject matter expert regarding Quality Control standards and assists in the development of materials for training.

　　Collaborates with bank personnel in other departments whose job functions require involvement in the quality control process.

　　Evaluates overall credit risk inherent in the mortgage lending portfolio and identifies/assesses the adequacy of related activities designed to control those risks.

　　Maintains an updated level of technical abilities in the field.

　　Compliance and Control:

　　Partners with Compliance regarding local, state and federal regulations in relation to activities where Quality Control is applicable throughout the Bank.

　　Collaborates with Compliance regarding interpretation and communication on how tocomply with new regulations and guidelines.

　　Performs regular departmental self-assessments in regards to compliance with regulations, and conducts regular tests of key process controls.

　　Moves quickly to resolve any audit or regulatory exam findings quickly and accurately.

　　Assists in preparing for federal and/or state regulatory compliance examinations.

　　Assists in preparing for external audits and/or secondary market or government program audits.

　　General:

　　Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork.

　　Attentive to detail and accuracy, committed to excellence, looks for improvements continuously, monitors quality levels.

　　Works toward the goal of continued professional and personal development by participating in training/educational opportunities as they become available.

　　Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook.

　　Maintains strict confidentiality.

　　Performs additional duties as requested.

　　COMPETENCIES:

　　Leadership – Motivates and encourages others; delegates routine and important tasks and decisions, shares information, creates an inclusive environment, recognizes success.

　　Managing for Results – keeps team accountable for actions, provides resources and support, applies clear and consistent performance standards. Takes ownership of departmental shortcomings, if applicable.

　　Adaptability/Flexibility – Adapts to change, is open to new ideas, takes on new challenges, handles pressure, and adjusts plans to meet changing needs.

　　Initiative – Takes independent action, operates as a pro-active self-starter, acts on opportunities, and practices self-development.

　　Integrity/Ethics – Deals with others in a straightforward, honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys news good or bad

　　Interpersonal Skills – Has good listening skills. Communicates clearly and accurately.

　　Coaching Skills – Can provide coaching feedback to direct reports through regular observations of their performance.

　　Vision/Values – Supports company mission/values through daily actions and decisions, communicates the Bank’s vision, mission and values to others, and incorporates vision when planning the department’s future course.

　　KNOWLEDGE/SKILLS/EXPERIENCE REQUIREMENTS:

　　BA / BS Degree or work equivalent.

　　2-10 years of banking, especially in the fields of underwriting, credit, loan review, regulatory, and/or lending.

　　Strong leadership and team building skills.

　　Strong analytical and organizational skills with an ability to interact effectively with all levels of the organization.

　　Thorough knowledge and understanding of the lending process, especially residential mortgage underwriting and processing.

　　Excellent customer service skills.

　　Strong communications skills.

　　PHYSICAL DEMANDS/CONDITIONS REQUIREMENTS:

　　General office environment.

　　Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required.

　　EQUIPMENT USED:

　　General office equipment.External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.

　　At Bangor Savings, we understand the importance of continuing to nurture an internal culture of excellence for each of our employees. We offer internal and external training to assist our employees in realizing their career aspirations including internships, lateral training, management training, and tuition reimbursement.

　　We also offer a unique set of benefits designed to support our employees in living their best life and achieving their goals. Our holistic health and wellness programs allows each employee to customize their approach to well-being. And our pay, rewards, recognition, and incentive programs ensure that they are well-compensated for a job well-done.

　　At Bangor Savings Bank, the work our employees do each and every day allows us to deliver on our promise to make a difference in the lives of people in New England in a way that really matters.

　　Bangor Savings Bank provides equal employment opportunities to all applicants and employees without regard to race, color, religion, gender, sexual orientation, age, national origin or any other class protected under state or federal law and affirmatively seeks to advance the principals of equal employment opportunity. In addition, the Bank is committed to providing equal employment opportunities to qualified persons with disability, veterans, and/or disabled veterans. No question on this application is intended to secure information to be used for such discrimination, this application will be given every consideration, but its receipt does not imply that the applicant will be employed. This application will remain active for a period of 90 days. If, after such time, you still wish to be considered for employment, you must reapply. Bangor Savings Bank does provide workers compensation coverage for employees injured on the job. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.