Careers

• Title: Portfolio Manager – Commercial Portfolio & Special Assets
• Department: Lending
• Full Time
• Location – Lending Operations – Elmer NJ
• Salary Range: $110,000 – $125,000 Yearly
• Apply Here – Employment Application (PDF)

Job Summary
The Portfolio Manager – Commercial Portfolio & Special Assets is responsible for managing a combined portfolio of performing commercial loans as well as criticized, classified, and distressed relationships. This role ensures high-quality ongoing credit administration for performing borrowers while also executing strategic workout, restructuring, and recovery plans for higher‑risk credits. Operating within a small community bank, the position requires strong financial analysis, relationship management, and the ability to navigate complex borrower situations while supporting the bank’s risk culture and customer‑focused approach.

Essential Functions

• Manages an assigned portfolio of performing commercial credit relationships, ensuring timely reviews, covenant monitoring, and ongoing financial analysis.
• Partners with commercial lenders to support relationship growth through renewals, modifications, and credit structuring.
• Monitors borrower performance, identify early warning signs, and recommend appropriate risk rating adjustments.
• Conducts financial spreads, industry assessments, and collateral evaluations to support sound underwriting and portfolio stability.
• Maintains proactive communication with borrowers to understand operations, performance, and future credit needs.
• Leads the management of criticized, classified, non accrual, and high risk commercial and consumer credit relationships.
• Develops individualized workout strategies, including restructuring, forbearance, liquidation, or repayment plans.
• Works directly with borrowers to negotiate terms that preserve the bank’s position while supporting realistic borrower outcomes.
• Coordinates with legal counsel regarding foreclosure actions, bankruptcy proceedings, litigation, and collateral recovery.
• Prepares written action plans, loss projections, and workout recommendations for senior management and loan committees.
• Maintains accurate and timely credit files, risk ratings, and loan documentation for both performing and criticized portfolios.
• Prepares periodic reports on portfolio performance, trends, borrower status, and recovery progress for management and regulatory examinations.
• Ensures credit administration practices align with bank policy, regulatory expectations, and internal audit requirements.
• Compliance with the Bank Secrecy Act, OFAC and USA PATRIOT Act including [but not limited to] Customer Identification Program, customer due diligence, identifying red flags and reporting unusual activities to the BSA Department.
• Works closely with commercial lenders on credit renewals, annual reviews, and relationship strategy.
• Provides guidance to lending staff on early detection of credit deterioration and best practices in managing complex borrower situations.
• Coordinates with appraisal, loan operations, collateral, and compliance teams for monitoring, documentation, and ongoing risk management.

Education & Experience

• Bachelor’s degree in Finance, Business, Accounting, or a related field required.
• 5+ years of commercial credit, loan portfolio management, workout/special assets, or comparable banking experience.
• Community banking experience strongly preferred.
• Familiarity with commercial loan structures, financial statement analysis, collateral valuation, and regulatory standards.

Knowledge, Skills & Abilities

• Strong credit analysis and financial modeling skills.
• Excellent communication and negotiation skills with internal partners, borrowers, and attorneys.
• Ability to manage both performing and distressed loans with professionalism and sound judgment.
• Strong organizational skills with the ability to manage numerous complex files simultaneously.
• Proficiency in Microsoft Office and loan/credit analysis systems.
• Experience working with criticized/classified loans in a regulated banking environment.
• Knowledge of foreclosure processes, liquidation strategies, and bankruptcy proceedings.
• A balanced approach that combines relationship-focused service with prudent credit administration.

Why join FNBE?

• FNBE is a respected community bank with more than a century of history.
• A culture rooted in integrity, personal service, and meaningful community engagement.
• Competitive compensation, executive benefits, and a supportive leadership team.

Benefits Include:

• Health, dental, and vision benefits
• 401K with employer safe harbor contribution
• Holidays off with pay
• Paid Vacation Time
• Paid Sick Time
• Employee Assistance Program (EAP)
• Flexible Spending Account (FSA)
• Health reimbursement Account (HRA)
• Long Term Disability
• Group Life/Accidental Death Insurance
• Tuition Assistance

• Title: Teller/CSR
• Department: Retail
• Full Time
• Location – Various locations
• Salary: Starting from $17.75 hourly
• Apply here – Employment Application (PDF)

Job Summary
Teller/CSRs are responsible for comprehensive, prompt, and efficient handling of customer banking transactions, while providing efficient and courteous customer service.

Essential Functions

• Operates a teller cash box and is responsible for comprehensive, prompt, and efficient customer transactions, verifying identities, signatures, balances, and account history.
• Receives checks and cash for deposits to accounts, verifies amounts, checks for proper check negotiability.
• Cashes checks, and processes withdrawals; pays out cash after verification of signatures and balances.
• Sales of Official Checks.
• Processes and logs night depository bags, and mail deposits.
• Answers phones assisting customers and/or transferring callers to appropriate branch personnel.
• Cross sells bank products and services when appropriate.
• Balances cash drawer at end of shift and reports any discrepancies to supervisors.
• Ensures workstations are properly stocked with supplies.
• Admits customers to their Safe Deposit Box(s).
• Assists with maintenance and settlement of the Vault, ATM and Night Drop.
• Compliance with the Bank Secrecy Act, OFAC and USA PATRIOT Act (including but not limited to) Customer Identification Program, customer due diligence and maintaining customer/account profiles, accurate completion of CTRs, Monetary Instrument logs and other records, identifying red flags and reporting unusual activities to the BSA Department.
• Prepares and maintains account paperwork and gathers customer information in accordance with regulations and bank policies.
• Assists customers with online banking, and debit card issues.
• Opens and closes the branch as needed.

Education & Experience

• High School Diploma/GED.
• Cash handling experience a plus.
• Successful completion of in-house training.

Knowledge, Skills & Abilities

• Strong organizational skills and attention to details.
• Ability to prioritize tasks and meet deadlines.
• Ability to function well in a fast-paced environment.
• Maintaining knowledge of bank policies and procedures and adherence to same.
• Participation in bank community service events.
• Handling of customer problems and complaints to best of ability, forwarding to a supervisor when necessary.
• Maintains a professional appearance and attitude.
• Good understanding of the Bank’s products and services.
• Above average interpersonal skills as well as oral and written communication skills.
• Team player.

Benefits Include:

• Health, dental, and vision benefits
• 401K with employer safe harbor contribution
• Holidays off with pay
• Paid Vacation Time
• Paid Sick Time
• Employee Assistance Program (EAP)
• Flexible Spending Account (FSA)
• Health reimbursement Account (HRA)
• Long Term Disability
• Group Life/Accidental Death Insurance
• Tuition Assistance

Why Join Our Team?
Join a team that values accuracy, integrity, and exceptional service. You’ll gain strong communication, problem-solving, and banking skills—setting the foundation for long-term growth in the financial industry.