Careers

The Float Personal Banker serves as the first point of contact for financial customers and prospects by providing a wide variety of banking services to both consumer and small business customers at multiple Branch locations. This position “floats” between various branches, as needed, supporting Branch teams by covering absences, peak hours or staffing shortages. The Float Personal Banker performs transactions, account management and offers appropriate solutions by offering financial products to meet the needs of the customer within the entire Windsor Federal Bank footprint. The Float Personal Banker is responsible for building and maintaining relationships with members of the community to enhance satisfaction and identify opportunities to create brand awareness while promoting the Bank’s products and services. 

• Provides exceptional customer service by assisting with inquiries, resolving complaints, and offering financial solutions tailored to individuals on an as needs basis.
• Travels to assigned Branches within a designated region to provide support.
• Processes deposits, withdrawals, check cashing and transactions accurately and efficiently. Ensures compliance with all operational and security procedures. Balances daily transactions and reconciles discrepancies.
• Identifies customer needs and recommends appropriate financial products such as Checking, Savings, Certificate of Deposits, Credit Cards, and Loans. Uncovers opportunities to cross-sell additional banking services as presented.
• Builds and deepens relationships with customers to foster loyalty and retention.
• Performs account opening, maintenance, and closures. Ensures compliance with all banking regulations, policies, and security standards.
• Supports Branch operations, including handling escalations or assisting with administrative tasks.
• Guides customers in using digital banking tools and platforms.
• Supports the Bank and Branch community efforts and initiatives. Ability to work a flexible schedule including weekends as needed.
• Performs other related duties as required.

• High school diploma or equivalent, with one (1) to two (2) years of banking with sales or customer service and cash handling experience preferred, or some comparable combination of education and experience.
• Proficient oral and written communication skills, both in person and on the phone. Strong interpersonal skills. Must be a team player. 
• Sales and relationship-building abilities. Strong customer service and communication skills.
• Reliable transportation and willingness to travel between Branches.
• Proficient computer and math skills. Ability to operate personal computer, calculator, teller terminal. Familiar with Word, Excel, Outlook software.
• Attention to detail, excellent organizational skills, adept in technology.
• Excellent problem solver with decision making ability.
• Ability to work flexible hours, including weekends as necessary.
• Ability to receive guidance and supervision, follow work rules and work procedures; meet deadlines, punctuality, and attendance standards.
• Ability to influence people in their opinions, attitudes, or judgments about ideas or things; to motivate, convince or negotiate. Ability to deal with people beyond giving and receiving instructions such as in a team, supervisory, marketing or counseling setting.
• Exhibits a professional appearance and demeanor. Is enthusiastic, a motived self-starter with a strong work ethic.
• Participates in skill and knowledge building training programs offered by the Bank and/or other outside resources.

Responsible for quality control review activities for the Bank’s loan portfolio. The Loan Servicing Quality Control Specialist will assist in creating and maintaining QC requirements related to loan operations. This will include validating system reports, follow-up for missing or inaccurate information, and performing other duties pertaining to the loans held, serviced, originated, or sold by the Bank. In addition, this candidate will monitor and review all necessary quality control tasks to ensure they are performed in compliance with Bank policies and procedures. The desired candidate will have a very strong attention to detail with the ability to quickly resolve any issues to mitigate both monetary and reputational risk.

• Performs reviews related to reports and/or loans in accordance with the department’s procedures to ensure customer and bank expectations are met.
• Maintains existing procedures/processes and coordinates implementation of new procedures/processes to ensure the Bank is in compliance with applicable regulatory requirements, as needed.
• Updates and maintains quality control log, note inventory log, and PIF log.
• Performs quality control reviews on all new loan files to include core system and documentation.
• Performs quality control activities on closed and denied/withdrawn loans as defined in policies and procedures.
• Reviews quality control departmental reports for maintenance activities, accuracy and completion.
• Follows up for any post-closing documentation items and escalates any time delays or issues related to quality control to appropriate management team to ensure items are resolved timely and accurately.
• Maintains industry knowledge, stays abreast of regulatory changes with regards to all loan origination and operation. Updates procedures as these environments change.
• Reviews daily rates to ensure accuracy on the core system.
• Reviews and mails all system generated notices.
• Completes internal file audits to ensure accuracy and originals are maintained per regulatory requirements.
• Prepares PIC posting sheets daily to ensure allocation of loans to appropriate GL.
• Supports document imaging initiatives.
• Balances DDA and GL accounts.
• Performs other related duties as required.

• Post high school education with one (1) to three (3) years of mortgage loan servicing experience or some comparable combination of education and experience.   
• Knowledge of all pertinent regulations related to Residential, Consumer, and Commercial lending.
• Excellent written and verbal communications skills.
• Strong customer service orientation.
• Proficient operation of the Bank’s loan servicing system and Microsoft software such as Word, Excel, and Outlook.
• Working knowledge of the Bank’s loan product offerings, Bank loan regulations and the Bank’s loan policies and procedures.
• Ability to interact with co-workers and customers in a positive manner.
• Ability to exchange information with others clearly and concisely: to present ideas, facts and technical information.
• Ability to perform under stress when confronted with critical timeline constraints and large work volumes.
• Ability to perform a variety of duties within the department, after receiving appropriate cross training, without the loss of efficiency or composure.
• Ability to receive guidance and supervision and follow work rules and procedures. Ability to meet deadlines, and to meet punctuality and attendance standards.
• Ability to systematically identify task requirements and monitor progress towards accomplishment.
• Ability to maintain relationships that facilitate task accomplishment, to cooperate and resolve conflicts, to recognize needs and be sensitive to others and to convince and persuade.
• Ability to work independently as well as in a team-based environment.
• Ability to learn quickly with a strong attention to detail and problem-solving.

The Retail Bank Trainer & Quality Assurance Specialist is responsible for developing and delivering training programs for retail staff and coordinating relative training for other staff as needed, ensuring compliance with regulatory requirements and maintaining high standards of operational accuracy. This role combines instructional expertise with quality assurance to enhance employee performance, customer experience, and operational integrity.

Training & Development

• Design, develop, and deliver training programs for retail new hires and existing staff on retail banking products, services, sales, systems, policies, and procedures.
• Create engaging learning materials, including manuals, e-learning modules, and job aids.
• Conduct classroom and virtual training sessions, ensuring alignment with organizational goals and compliance standards.
• Develops and delivers financial wellness programs designed to improve participants’ financial literacy, budgeting skills, and long‑term financial health.
• Develops, communicates, and delivers the high school training program, inclusive of coordination and collaboration with the schools and Retail Banking on the programming and staffing of high school locations.
• Assess training effectiveness through evaluations, feedback, and performance metrics; recommend improvements as needed.
• Collaborate with subject matter experts (example: Digital Banking, Fraud Analyst, I.T.) to coordinate and design focused trainings as needed.

Quality Control & Compliance

• Perform regular audits of retail banking transactions and processes to ensure accuracy and adherence to internal policies and regulatory requirements.
• Identify process gaps and recommend corrective actions to mitigate risk and improve efficiency.
• Collaborate with branch managers and operations teams to implement quality improvement initiatives.
• Maintain documentation of quality control findings and provide reports to management.

Continuous Improvement

• Stay current with industry regulations, banking products, and best practices to update training content and quality standards.
• Partner with Compliance teams to ensure training programs meet legal and regulatory requirements.
• Support change management initiatives by training staff on new systems, processes, and technologies.
• Performs other related duties as required.

• Bachelor’s degree, or equivalent, in business, finance, education or related field along with a minimum of three (3) years of experience in retail banking operations, training, or quality assurance.
• Strong knowledge of banking regulations, compliance standards, and operational procedures.
• Excellent communication and presentation skills.
• Strong analytical and problem-solving abilities.
• Proficiency in MS Office and learning management systems (LMS).
• Ability to manage multiple priorities and work independently.
• Ability to exchange information with others clearly and concisely, to present ideas, facts, and technical information.
• Ability to handle sensitive information in a confidential manner.

The Personal Banker serves as the first point of contact for financial customers and prospects by providing a wide variety of banking services to both consumer and small business customers. The Personal Banker performs transactions, account management and offers appropriate solutions by offering financial products to meet the needs of the customer. The Personal Banker is responsible for building and maintaining relationships with members of the community to enhance satisfaction and identify opportunities to create brand awareness while promoting the Bank’s products and services. 

• Provides exceptional customer service by assisting with inquiries, resolving complaints, and offering financial solutions tailored to individuals on an as needs basis.
• Processes deposits, withdrawals, check cashing and transactions accurately and efficiently. Ensures compliance with all operational and security procedures. Balances daily transactions and reconciles discrepancies.
• Identifies customer needs and recommends appropriate financial products such as checking, savings, certificate of deposits, credit cards, and loans. Uncovers opportunities to cross-sell additional banking services as presented.
• Builds and deepens relationships with customers to foster loyalty and retention.
• Performs account opening, maintenance, and closures. Ensures compliance with all banking regulations, policies, and security standards.
• Supports branch operations, including handling escalations or assisting with administrative tasks.
• Guides customers in using digital banking tools and platforms.
• Supports the Bank and branch community efforts and initiatives.
• Ability to work a flexible schedule including weekends as needed.
• Performs other related duties as required.

• High school diploma or equivalent, with one (1) to two (2) years of banking with sales or customer service and cash handling experience preferred, or some comparable combination of education and experience.
• Proficient oral and written communication skills, both in person and on the phone. Strong interpersonal skills. Must be a team player. 
• Sales and relationship-building abilities. Strong customer service and communication skills.
• Proficient computer and math skills. Ability to operate personal computer, calculator, teller terminal. Familiar with Word, Excel, Outlook software.
• Attention to detail, excellent organizational skills, adept in technology.
• Excellent problem solver with decision making ability.
• Ability to work flexible hours, including weekends as necessary.
• Ability to receive guidance and supervision, follow work rules and work procedures; meet deadlines, punctuality, and attendance standards.
• Ability to influence people in their opinions, attitudes, or judgements about ideas or things; to motivate, convince or negotiate. Ability to deal with people beyond giving and receiving instructions such as in a team, supervisory, marketing, or counseling setting.
• Exhibits a professional appearance and demeanor. Is enthusiastic, a motivated self-starter with a strong work ethic.
• Participates in skill and knowledge building training programs offered by the Bank and/or other outside resources.

At Windsor Federal Bank, the Residential & Consumer Mortgage Loan Originator serves as a trusted advisor and lending expert, guiding clients through the stages of the mortgage and consumer loan process—from initial inquiry to successful closing. This role is pivotal in helping individuals and families realize their homeownership and borrowing goals by providing tailored advice, timely communication, and exceptional customer care throughout the pre-approval, application, and closing phases.

This position is responsible for developing and maintaining strong relationships with a wide range of referral sources—including real estate agents, attorneys, financial advisors, and internal partners—to generate new business and meet both individual and organizational lending goals. The Loan Originator also represents Windsor Federal Bank in the community by participating in outreach efforts and financial education initiatives.

• Originate and Advise: Guide potential borrowers through the residential and consumer loan process, offering personalized advice and financial education at every step—from initial inquiry and pre-qualification through application, underwriting, and closing.
• Build Referral Relationships: Proactively develop and nurture referral relationships with real estate professionals, attorneys, investment advisors, internal bank employees, and community organizations to drive loan originations.
• Client Engagement: Conduct in-person, phone, and or virtual meetings to evaluate borrowers’ financial profiles and lending needs, ensuring a positive and informed customer experience.
• Loan Application Management: Prepare and submit complete, accurate loan applications and ensure timely delivery of all required disclosures and documentation in compliance with regulatory guidelines.
• Customer Follow-Up: Maintain regular and proactive communication with clients, referral partners, and internal departments to ensure timely updates and an efficient closing process.
• Market Expertise: Stay informed about current real estate and lending trends, local market conditions, and changes to federal and state regulations affecting residential and consumer lending.
• Community Involvement: Represent the bank at real estate and community events, homebuyer seminars, and local business activities to promote awareness and increase visibility of Windsor Federal’s mortgage offerings.
• Cross-Selling: Identify opportunities to recommend complementary financial products such as deposit accounts, home equity loans, and consumer lending services.
• Performs other related duties as assigned.

• Minimum of five (5) years of experience in residential lending, with a proven track record of $20 million or higher in annual mortgage originations or equivalent underwriting expertise in accordance with secondary market standards.
• In-depth knowledge of conventional, FHA, VA, CHFA and proprietary loan programs, along with compliance regulations including HMDA, ECOA, TILA, and RESPA.
• Strong financial analysis skills, particularly in evaluating personal and business tax returns.
• Proficiency in using mortgage lending software (preferably Encompass LOS) and related technology platforms.
• Valid state driver’s license and reliable transportation for making outside sales calls and/or to meet loan applicants as needed.
• Requires the National Mortgage Licensing System (NMLS) Registration.
• Ability to work independently while collaborating effectively with colleagues and leadership.