Employment Opportunities

While much has changed since The Milford Bank was established in 1872, some things have remained the same. That includes our commitment to provide customers with the highest level of service. As a mutual savings bank, our focus is to meet the financial needs of the communities we serve. We count on our team of talented, diverse and dedicated employees to make every customer experience a great one.

CURRENT OPENINGS

The following positions are currently available:

POSITION:  CALL CENTER SERVICE REPRESENTATIVE

Part Time, approximately 25 Hours Per Week including Weekends – NonExempt

Under the direct supervision of the Call Center Supervisor and the overall direction of the Branch Operations Manager, resolves customer questions, complaints and requests by telephone or e-mail in conformance with established policies, procedures and guidelines. Requires a working knowledge of Bank products and services to provide optimum service and effectively meet customer needs. Initiates opportunities to identify unmet customer financial needs and offers solutions that will benefit the customer. Successfully completes initial and on-going training programs, including on-line courses, to maintain a comprehensive understanding of pertinent topics as the Bank deems necessary from time to time.

Primary Responsibilities Include

1. Performs any functions necessary, within scope of authority and expertise, to provide the highest possible level of customer service and to increase the productivity and profitability of the Bank.
2. Maintains high ethical standards while performing all duties in accordance with internal policies and procedures and within prescribed legal, regulatory and compliance guidelines.
3. Makes the customer call a pleasant and unique experience.
4. Quickly and accurately processes transactions and other requests from customers. Utilizes automated system to log and retrieve information.
5. Works diligently to resolve problems in an emphatic and “one stop” fashion, confidently identifying solutions. Escalates difficult customer situations to the appropriate person/department.
6. Initiates referrals of Bank products and services.
7. Works with supervisors and other employees as needed to complete non-transaction tasks at the bank.

Other Responsibilities Include

8. Operates as a team player to perform related duties to ensure the success and ongoing effectiveness of Call Center operations and branch functions.

The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties, both related and unrelated to the above, may be assigned and, therefore, required to maintain the bank’s service and work standards.

Position Requirements

• High school diploma or equivalent is required; a minimum of 1-2 years of previous relevant experience preferred.
• Effective verbal and listening skills required to provide courteous and professional customer service at all times, even when handling difficult calls or requests.
• Organizational skills required to perform multiple tasks in a fast-paced environment.
• Must develop and maintain working knowledge of bank products and services.
• Aptitude for cross-selling is essential.
• Able to effectively utilize various types of office equipment, including a computer terminal and a telephone. Effective PC skills required, including electronic mail and company systems.

Supervisory Scope

None

POSITION:  COMMERCIAL CREDIT ANALYST

Full Time, 40 Hours Per Week – NonExempt

Under the general supervision of the Commercial Loan Officer who oversees the commercial credit function, performs credit analysis and loan review activities including analyzing financial statements and credit information and maintaining individual loan and customer files, primarily for the commercial lending department in conformance with established Bank policies, procedures and guidelines. Successfully completes initial and on-going training programs including on-line courses, to maintain a comprehensive understanding of pertinent topics as the Bank deems necessary from time to time.

Primary Responsibilities Include

1. Performs any functions necessary, within scope of authority and expertise, to provide the highest possible level of customer service and to increase the productivity and profitability of the Bank.
2. Maintains high ethical standards while performing all duties in accordance with the Bank’s internal policies and procedures and within prescribed legal, regulatory and compliance guidelines.
3. Responds to incoming consumer and non-consumer credit inquiries in compliance with established RMA (Robert Morris Associates) standards, including origination and maintenance of files on these inquiries.
4. Establishes and maintains credit files on all commercial loan and commercial mortgage customers including updating personal and business financial statements and borrowing resolutions.
5. Makes credit inquiries and runs credit reports as required.
6. Monitors and follows-up line of credit and letter of credit maturities and related renewal fees.
7. Prepares credit memos, spreadsheet analyses and cash flow statements documenting loan requests and recommendations for approval/rejection.
8. Maintains commercial loan and commercial mortgage cross reference files with personal loans to insure compliance with established lending limits. Checks related deposit accounts for commercial loan and commercial mortgage customers.
9. Reviews commercial appraisals.
10. Underwrites Bank Alliance loan proposals.
11. Prepares a portion of the statistical support for the quarterly Allowance for Loan Loss calculation.
12. Interfaces with current and prospective customers.
13. Keeps abreast of commercial lending rules and regulatory compliance requirements. Recommends procedural changes as needed to support prescribed requirements.

Other Responsibilities Include

14. Attends commercial loan-related seminars and classes as required.
15. Operates as a team player to perform related duties to ensure the success and ongoing effectiveness of loan department operations.

The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties, both related and unrelated to the above, may be assigned and, therefore, required to maintain the bank’s service and work standards.

Position Requirements

• Bachelor’s degree in Finance, Business or Accounting preferred or its equivalent through specialized education in related areas.
• Two to five years of credit analysis experience in the lending or accounting areas of a financial institution.
• Well-developed analytical skills.
• Proficient in analytical software and in the use of Microsoft Excel.
• Effective verbal and written communication skills.
• Able to work independently and effectively is a fast-paced environment to meet time-sensitive deadlines.

Supervisory Scope

None

POSITION:  TELLER

Part Time, approximately 25 Hours Per Week including Weekends, NonExempt

Under the supervision of the Teller Supervisor and the direction of the Customer Solutions Specialist and Branch Manager, performs a variety of customer service and related duties in a courteous, professional, and ethical manner to provide efficient, accurate service to customers by following Bank policies, procedures and guidelines in order to prevent fraud and the potential for loss. Successfully completes initial and on-going training programs, including on-line courses, to maintain a comprehensive understanding of pertinent topics as the Bank deems necessary from time to time.

Primary Responsibilities Include

1. Performs any functions necessary, within scope of authority and expertise, to provide stellar customer service and to increase the productivity and profitability of the Bank.
2. Maintains high ethical standards while performing all duties in accordance with the Bank’s internal policies and procedures and within prescribed legal, regulatory and compliance guidelines.
3. Organizes workstation daily: inventories cash, requests and verifies cash upon receipt, obtains necessary forms and other supplies, etc.
4. Verifies customer identity and signature and obtains other appropriate information to ensure the validity of each transaction before processing. Accurately and quickly processes customer transactions including deposits, withdrawals, loan payments, night transactions, etc. Cashes checks within limits of established policy; obtains approval and enters appropriate check holds as required. Sells money orders, official bank checks, traveler’s checks, and other related products.
5. Maintains a general knowledge of the Bank’s consumer and retail products and services. Assesses the financial needs of the customer and recognizes and acts on opportunities to recommend products and services to meet those needs. Routinely displays initiative and progress in meeting individual and branch sales and referral goals.
6. Responds to and resolves customer inquiries; refers unresolved problems or concerns to the Teller Supervisor or Managers for further action.
7. Properly balances daily transactions to cash. Performs related tasks to ensure all work and totals are in balance. Scans checks and files work.
8. Balances the ATM and performs other duties to expedite the daily balancing of the branch.

Other Responsibilities Include

9. May assist customers entering and exiting the safe deposit box area, verifying appropriate information and obtaining signatures as required.
10. May perform a variety of related customer service and/or support functions as assigned including, but not limited to, balancing the coin machine, preparing routine correspondence, filing, typing, maintenance of records, etc.
11. Assists Teller Supervisor as requested and may serve as backup to the Teller Supervisor in that person’s absence.
12. Operates as a team player, performing other tasks as requested to ensure the timely completion of branch work and special projects.

The above is a description of the ordinary duties of the position. It should be expected that from time to time other duties, both related and unrelated to the above, may be assigned and, therefore, required to maintain the bank’s service and work standards.

Position Requirements as outlined above and including the following:

• High school diploma or equivalent is required; a minimum of 1 year of previous Teller experience is preferred
• Must have a friendly, helpful attitude and interact with others in a professional, courteous and ethical manner
• Must display effective and appropriate communication, customer service, and cross-selling skills
• Must be detail-oriented, possess accurate math ability, and be able to accurately process transactions and handle large amounts of cash in an expeditious and courteous manner
• Experience with Windows-based PC applications is required as is the ability to utilize various types of office equipment including, but not limited to, computer terminal, facsimile machine, copy machine, telephone
• Must be able to lift and carry up to 25 lbs.

Supervisory Scope

None

POSITION:  TMBFS Operations Specialist

Full Time, 40 Hours Per Week, NonExempt

This position provides administrative and sales support to the Senior Financial Advisor (SFA). It includes day to day administrative functions, assisting the SFA in marketing efforts, working with branch employees to build stronger relationships for referrals and developing business opportunities for the program to reach sales targets. The Operations Specialist is expected to promote The Milford Bank and TMBFS within the communities they serve. The Operations Specialist must demonstrate extraordinary client services ability, attention to detail, self-confidence, integrity and honesty. The incumbent must successfully complete initial and on-going training programs, including on-line courses, to maintain a comprehensive understanding of pertinent topics as the Bank and Infinex deems necessary from time to time.

Primary Responsibilities Include

1. Functions within scope of authority and expertise to provide the highest possible level of customer service and to increase the productivity and profitability of the Bank’s TMBFS operations.
2. Maintains high ethical standards while performing all duties according to internal policies and procedures and within prescribed legal, regulatory and compliance guidelines.
3. Client relationship management including ongoing client contact and communications.
4. Client service including preparing for client meetings, phone calls to set appointments, handling client issues and follow up.
5. Assists in providing investment guidance to customers that may require smaller transactions to be processed.
6. Manages marketing efforts including mailings and outbound phone calls, including cold calls. Initiates marketing programs and referral training for bank employees.
7. Maintains and updates client files in an accurate and compliant manner; processes time-sensitive paperwork and processes trades.
8. Works closely with the SFA to learn the bank and TMBFS culture.
9. Tracks referrals and maintains department/SFA calendar.

Other Responsibilities Include

10. Operates as a team player to perform other tasks to ensure the success and ongoing effectiveness of department operations.

The above is a description of the ordinary duties of the position. It should be expected that from-time-to time other duties both related and unrelated to the above may be assigned and, therefore, required to maintain the bank’s service and work standards.

Position Requirements

• College degree or its equivalent through specialized course work and related work experience
• Current licenses required at hire or must be obtained within six months of hire: Series 7, Series 63 and 65 or Series 66, and Connecticut insurance license
• Valid Connecticut driver’s license to enable necessary travel between branch offices
• Proficient with Microsoft Office applications including Outlook, Excel and Word
• Acquire proficiency in all back office software, including, but not limited to, the CRM program, new account programs, and marketing programs
• Proven ability to generate sales and revenue
• Able to work flexible work schedule to support client needs and special projects and to assist at special events
• Strong written and verbal communication skills
• Motivated to seek out answers, generate ideas, and develop new skills
• Must be organized, detail-oriented, and able to work effectively in a team environment and independently to prioritize and complete daily work
• Must interact with others in a professional, courteous, and ethical manner

Supervisory Scope

None

Apply For A Current Opening

To apply for a current opening, click on the above link to download the PDF application.

Call the Human Resources Department at 203.783.5709 to request a paper application.

Completed applications can be returned to any office of The Milford Bank or mailed to:

The Milford Bank
Human Resources Department
33 Broad Street
Milford  CT  06460

You can also fax your completed application directly to our HR Department at 203.783.5779.

Our commitment to attracting, developing and maintaining a talented diverse workforce is key to the continued success of our organization. The Milford Bank is an Equal Opportunity and Affirmative Action Employer that offers competitive salaries and benefits. EOE/AA/M/F/D/V