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POSITION SUMMARY:

Reporting to the Loan Operations Manager, the Loan Documentation Specialist’s primary function is to prepare loan documents, both accurately and efficiently, ensuring loan documentation adheres to all parameters of loan approval with no deviation. The position includes on-going assistance with management, but specifically includes strong communication and collaboration with Loan Assistants. In addition, the role requires one’s ability to demonstrate the highest credentials of professionalism, critical to the Team’s long-term performance, while also maintaining strong organizational and time management skills.

PRIMARY RESPONSIBILITIES:

· Acts as intermediary between Lenders, Loan Assistants and Loan Closing to accurately prepare all loan documentation to facilitate loan closings, including but not limited to: Promissory Note, Loan Agreement, Guaranty, Borrowing Resolution, Settlement Statement, Security Agreement, Deed to Secure Debt/Mortgage, Assignment of Rents, Landlord’s Waiver, Power of Attorney, Title Registration, Early Disclosures relating to Consumer Real Estate, eta.

· Initiates secondary review of loan information received from Loan Assistant, verifying fulfillment of receipt for all loan closing requirements; completeness of documentation; and measurements of compliance.

· Reviews signed loan packages, comparing to Required Loan Documentation Checklist for completeness.

· Prepares, organizes & scans the properly, prioritized, closed loan package for paperless filing, uploading to Director.

SECONDARY RESPONSIBILITIES:

· Demonstrates the highest degree of verbal & written communication skills, indicating an innate ability to effectively correspond with both internal and external clients.

· Prepares & posts on-line payments, assuring accuracy and efficiency.

· Prepares Adverse Action Notices, while conducting due diligence & review for Compliance.

· Monitors all customer information readily available for suspicious activity, reporting to BSA Officer as required.

· Performs annual maintenance of escrow accounts, including analysis and delivery of potential surplus.

ROLE QUALIFICATIONS:

Education

· High School Diploma / GED / Experience

Experience

· At least 2 years of working in loan department preferred but not required

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POSITION SUMMARY: The Personal Banker’s role includes opening new deposit accounts and assisting existing customers with banking needs in compliance with applicable regulations and laws. Build new and expand existing customer relationships by providing high quality service and cross selling additional bank products and services in accordance with the bank’s policies and procedures. The Personal Banker adhere to and exhibit First Port City Bank’s “Core Values”; Positive, Professional, and Productive.

PRIMARY REPOSIBILITIES:

• Proactively and pleasantly greets customers to establish a connection and develop rapport, providing outstanding, personalized customer service. Lobby Leadership, welcoming and greeting customers as they enter the branch, providing a warm and friendly atmosphere.
• Assess customer needs, sharing and educating customer in alignment, directing them to the appropriate service areas or banking representatives.
• Open and maintenance all new Consumer and Commercial accounts, to include demand deposit accounts, savings and money markets, and Certificates of Deposit.
• New customer welcome letters.
• Order Customer Checks.
• Perform domestic and international wire transfer requests.
• Monitor all customer information available for suspicious activity and report to BSA Officer, including Red Flags.
• Open new safe deposit boxes
• Assist customers in their safe deposit boxes.
• Perform CIF maintenance.
• Assist customers with online banking
• Voice Access Administration.
• ATM/Debit card problem resolutions.
• Debit Card issuance.
• Scanning and imaging documents.
• Assist tellers when needed to include running a teller drawer and end of day closing.
• Teller Overrides, if granted authority.
• Other duties as required.

ADDITIONAL REPOSIBILITIES:

• Explain credit card product offerings, inputting consumer applications.
• Handle IRA and HSA RMD, distribution, and contribution requests (as applicable to the plan type) , as needed.
• Attend annual IRA training.
• Optimizes the customer relationship by cross-selling products that would be beneficial to the customer.
• Adheres to Branch Operations Standards, policies and procedures and regulatory guidelines to protect against risk. Maintains a high level of awareness to recognize and report suspected fraud.

ROLE QUALIFICATIONS:

Education
• High School Diploma or GED

Experience
• Experience in Financial and/or service-related field.
• Prior Customer Service experience preferred.

Other Skills and Abilities
• Basic computer skills
• Excellent verbal and written communication skills
• Detail oriented, strong organization skills, high degree of accuracy
• Good reasoning and sound decision-making skills.
• Ability to work in a fast-paced environment.
• Strong listening and comprehension skills to be able to identify customer financial needs, goals and objectives
• Strong interpersonal skills to establish rapport with customers
• Knowledge of bank operations, policies and procedures and federal bank regulations
• Knowledge of bank products and services

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POSlTION SUMMARY: The Accounting Specialist II performs intermediate to advanced accounting activities and contributes to the quality of the accounting function by identifying issues. investigating variances. and recommending process improvements. This role reflects a transition from task completion to deeper analysis. initiative, and ownership of recurring work. Employees are expected to adhere to and exhibit the ··Core Values·· of First Port City Bank.

PRJMARY RESPONSIBILITIES:
• Prepare complex reconciliations and research outstanding or unusual reconciling items.
• Investigate general ledger discrepancies and assist in determining root causes.
• Support key portions of month-end and quarter-end close activities.
• Identify inefficiencies, recurring issues, or control gaps and recommend practical process improvements.
• Collaborate with other departments to resolve accounting issues and support operational
changes.
• Run Accounts Payable transactions with accurate general ledger postings adhering to appro al matrix adherence
• Provide guidance and training to less experienced team members on routine accounting
tasks.

ROLE QUALIFICATIONS:

Education
• High School Diploma
• Some formal training in the form of Bankers Association classes or tech school classes is recommended.
Experience
• 1-3 years accounting; community bank experience preferred.
• Intermediate Excel (lookups. pivots).

Other Skills and Abilities
• Basic understanding of accounting principles
• Attention to detail with strong problem solving and analytical abilities.
• Ability to take independent initiative to solve issues.
• Proficiency in accounting software. Microsoft Office tools and data
• Good oral and written communication skills

Access Privileges Required:
• Prologue Financials. Accounts Payables. Fixed Assets. File management. etc.
• Precision Graphical – Current. Month End. Quarter End & Year End Datbases
• Client Central
• Director
• Business Analytics
• Wire Xchange
• Correspondent banks: TIB. FHN, ServicFirst, Synovus
• Microsoft suite of products
• lntrafi reporting

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POSITION SUMMARY
The Human Resources Manager oversees all human resources and payroll functions for First Port City Bank, including recruitment, onboarding, employee relations, performance management, benefits administration, and compliance with federal, state, and local employment laws. This role partners with senior leadership to foster a positive organizational culture, promote employee engagement, and advance the bank’s strategic objectives through effective HR practices. The Human Resources Manager is expected to consistently uphold and demonstrate First Port City Bank’s Core Values: Positive, Professional, and Productive.

PRIMARY RESPONSIBILITIES:
• Review job descriptions, post job openings, schedule and assist with interviews, and review employment offers, supporting managers as needed.
• Manage onboarding and offboarding processes to facilitate smooth transitions for new hires and departing employees.
• Collaborate with senior leadership to develop, implement, and maintain HR policies and procedures; coordinate handbook reviews and provide guidance on policy interpretation.
• Oversee benefits administration, ensuring accurate documentation and compliance with established policies and procedures.
• Oversee and manage payroll operations, including processing compensation, benefits, and deductions, coordinate payroll schedules, direct deposits, wage garnishments, and payroll tax filings.
• Review and reconcile payroll data, address discrepancies, administer paid time off (PTO), leaves of absence, and overtime policies, and maintain confidential payroll records.
• Monitor changes in payroll laws and employment legislation, updating policies to support ongoing compliance.
• Respond to employee inquiries regarding payroll and HR matters, providing appropriate guidance.
• Support leadership in employee performance management, conflict resolution, and employee development initiatives.
• Foster a positive and inclusive organizational culture by promoting employee engagement, supporting constructive interactions, and proactively addressing conflicts.
• Track and report HR metrics (e.g., turnover, benefits, training and developments, etc. to senior leadership as requested.
• Represent the bank in public relations activities, community affairs, and civic organizations to strengthen community relationships.
• Perform other duties and special projects as assigned to support the bank’s objectives
• Perform other HR duties supporting the management of the HR function

ROLE QUALIFICATIONS
Education:
• Bachelor’s degree in human resources, Business Administration, or a related field preferred.

Certifications/Licenses:
• SHRM-CP, SHRM-SCP, PHR, SPHR, or equivalent professional or senior-level HR certifications are highly preferred.

Experience:
• Minimum of 3–5 years of progressive experience in human resources.
• Preference for at least 2 years in a supervisory or managerial role.
• Experience as an HR business partner to managers, leaders, and senior leadership is strongly preferred.
• Additional preference for candidates with experience in banking or financial services.

Skills and Abilities
• Comprehensive understanding of employment laws and regulations (FLSA, ADA, FMLA, EEOC, etc.), HR best practices, organizational development, and compensation/benefits programs.
• Experience in recruiting, conflict resolution, employee engagement, and performance management.
• Strong interpersonal, communication, and problem-solving skills.
• Ability to work collaboratively in a team-oriented environment, manage multiple tasks and priorities, and provide HR support at all levels of the organization.
• Meticulous attention to detail with a consistent ability to maintain confidentiality and professionalism.
• Proficiency in Microsoft Office Suite (especially Excel and Word), payroll, and benefits software.
• Excellent written and verbal communication skills.
• Demonstrated ability to prioritize and complete multiple tasks independently.
A combination of preferred education, experience, and/or skills and abilities will be taken into consideration.

The described position summary is designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job. Additional duties may be added as the employee skillset develops.

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POSITION SUMMARY:

The Personal Banker I is responsible for opening new deposit accounts and assisting customers with a wide range of banking needs, ensuring compliance with all applicable regulations and laws. This role is focused on building new customer relationships and strengthening existing ones by delivering high-quality service and proactively identifying opportunities to cross-sell additional bank products and services, in accordance with the bank’s policies and procedures. As a representative of First Port City Bank, the Personal Banker consistently upholds and exemplifies the bank’s Core Values: Positive, Professional, and Productive.

PRIMARY RESPONSIBILITIES:

· Proactively greet and welcome customers, establishing rapport and creating a friendly, inviting atmosphere in the branch.

· Assess customer needs, educate customers on products and services; provide tailored recommendations and appropriate referrals.

· Open and maintain new consumer and commercial accounts, including demand deposit accounts, savings, money market accounts, and certificates of deposit.

· Prepare and send new customer welcome letters; order customer checks.

· Process domestic and international wire transfer requests.

· Monitor customer information and transactions for suspicious activity, including identifying and reporting “Red Flags” to the BSA Officer in accordance with regulatory requirements.

· Open new safe deposit boxes; service safe deposit boxes; maintain access controls and documentation.

· Perform Customer Information File (CIF) maintenance, ensuring records are accurate and up to date.

· Assist customers with online banking enrollment and troubleshooting.

· Administer Voice Access systems for customers, as required.

· Resolve complex ATM/debit card issues, including debit card issuance, problem resolution, and Reg E disputes in coordination with Deposit Operations.

· Scan and image documents, maintaining accurate and secure records.

· Assist tellers as needed, including running a teller drawer, processing transactions, completing end-of-day closing activities, and performing teller overrides, if authorized.

· Perform other duties and special projects assigned to support branch performance and customer experience.

ADDITIONAL RESPONSIBILITIES:

· Clearly explain credit card product offerings to customers and input consumer applications accurately and efficiently.

· Process IRA (Individual Retirement Account) and HSA (Health Savings Account) required minimum distributions (RMDs), contributions, and distribution requests in accordance with plan guidelines.

· Attend annual IRA training sessions to stay current with regulatory changes and best practices.

· Proactively identify opportunities to cross-sell bank products and services that best meet the customer’s needs, optimizing the customer relationship.

· Adhere to branch operations standards, bank policies and procedures, and regulatory guidelines to protect against risk and ensure compliance.

· Maintain a high level of vigilance to recognize and promptly report suspected fraud or unusual activity.

· Perform other related duties and special projects as assigned to support the branch’s operational goals and customer service objectives.

ROLE QUALIFICATIONS:

Education

· High school diploma or GED required; coursework or certification in business, finance, or a related field preferred.

Experience

· Previous experience in financial services or a customer service-related field is preferred.

· Demonstrated track record of delivering excellent customer service.

Skills and Abilities

· Proficiency with computers and standard office software; ability to learn bank-specific systems and applications.

· Excellent verbal and written communication skills, strong listening, and interpersonal skills.

· Strong attention to detail and organizational abilities; capable of maintaining a high degree of accuracy.

· Effective reasoning, problem-solving, and decision-making skills.

· Ability to thrive in a fast-paced, dynamic environment and manage multiple priorities.

· Working knowledge of bank operations, policies and procedures and federal regulations (e.g., CIP/KYC, BSA/AML, Reg E, Reg CC) preferred.

· Familiarity with bank products and services, with a willingness to learn and stay updated on offerings.

· Integrity, professionalism, and commitment to confidentiality, able to work independently and collaboratively.

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POSITION SUMMARY:

The Retail Branch Manager is responsible for the overall leadership, performance, and success of the branch, directing all aspects of operations to ensure exceptional customer service, operational excellence, and achievement of sales and growth targets. This position sets the strategic vision for the branch, drives business development, and builds strong relationships within the community.

As a dynamic leader, the Retail Branch Manager recruits, coaches, and develops a high-performing team, fosters a positive and accountable workplace culture, and consistently leads by example. The Retail Branch Manager ensures full compliance with bank policies, procedures, and regulatory requirements, oversees risk management and operational controls, and delivers innovative financial solutions tailored to customer needs. The Retail Branch Manager also serves as an ambassador for First Port City Bank both within the branch and throughout the community.

The Retail Branch Manager is expected to consistently uphold and demonstrate First Port City Bank’s Core Values: Positive, Professional, and Productive.

PRIMARY RESPONSIBILITIES:

· Set high standards for customer experience by modeling a strong work ethic and delivering exceptional service to every client.

· Lead all aspects of retail sales and service for the branch, including developing and executing branch sales plans to increase market share.

· Promote, explain, and sell banking products and services to existing and prospective customers.

· Ensure adequate staff coverage and provide support in all areas of branch operations, including teller and new account functions.

· Supervise and coach front-line team members, including Tellers and Personal Bankers; establish goals, evaluate performance, and support ongoing professional development and team-building activities.

· Foster a collaborative branch culture characterized by high morale, teamwork, and regular, effective communication.

· Develop and execute strategies for customer retention, including proactive outreach to maturing accounts, new account follow-ups, sales leads, referrals, and other prospecting opportunities within the market area.

· Identify and capitalize on sales opportunities to maximize profitable client relationships; track and analyze results and follow up as appropriate.

· Strategize to generate deposits and increase average collected balances, while managing the cost of funds.

· Manage and maintain relationships with both new and existing clients, ensuring consistent delivery of banking solutions and adherence to policy and regulatory requirements.

· Exercise loan origination authority when granted, based on market needs.

· Authorize transactions in accordance with bank policy and regulatory guidance, including deposits, withdrawals, check cashing, and wire transfers.

· Address and resolve client concerns and inquiries promptly and professionally.

· Ensure accountability for audit integrity, risk management, and security of the branch.

· Maintain thorough knowledge of all retail banking products and services.

Additional Responsibilities

· Engage in business development efforts through active involvement in community and civic activities to expand market visibility and build strong relationships.

· Facilitate regular team meetings, implement new products and services, enhance processes, and promote best practices to advance brand culture and individual participation.

· Maintain accurate training records and compliance documentation for regulatory requirements.

· Communicate clearly, concisely, and frequently to ensure understanding of corporate expectations for safe and sound operations, risk control, and exposure minimization.

· Collaborate with management on special projects, duties, or responsibilities as assigned.

· Review and make decisions on assigned branch overdrafts.

· Demonstrate flexibility and willingness to perform any retail capacity function, regardless of task size or scope, including providing teller line coverage as needed to support the branch.

· Perform other duties as assigned to support branch operations and organizational goals.

ROLE QUALIFICATIONS

Education

· Associate’s or Bachelor’s degree in Business, Finance, or a related field preferred; equivalent relevant experience will be considered.

Experience

· Minimum of three (3) years of branch banking experience, with at least two (2) years in a front-line client service role.

· Proven success in meeting or exceeding branch sales, service, and growth objectives.

· Strong understanding of banking regulations, operational policies, and compliance requirements.

· Experience with business development and community engagement highly desirable.

· Completion of leadership development programs (such as Leadership 101 or bank-sponsored management training) and/or graduation from an accredited banking school or professional certification program preferred.

Licenses & Certifications

· Relevant industry certifications (e.g., NMLS for mortgage lending) are a plus.

Technical Skills

· Proficiency in banking and teller software, customer relationship management (CRM) systems, and Microsoft Office applications, with emphasis on Excel.

Skills and Abilities

· Exceptional leadership, coaching, and team management skills.

· Superior customer service and relationship-building abilities.

· Excellent verbal and written communication skills.

· Strong organizational, time management, and delegation abilities; able to prioritize and manage multiple tasks.

· Sound judgment and proven ability to make effective financial and operational decisions.

· High ethical standards, professionalism, and commitment to maintaining confidentiality.

· Effective conflict resolution and problem-solving capabilities.

· Proficiency is advantageous, depending on market needs.

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