Chemical Bank Career Descriptions

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1 Chemical Bank Career Descriptions Department: ebanking In the ebanking Department, we manage the daily operations of our electronic banking products as well as being the escalated support center for all of our customer s needs. With quality customer service as our main focus, our technicians are skilled in servicing Personal Online Banking, Bill Pay, Business Online Banking, Phone Banking and Mobile Banking! With the growth of technology, we are consistently bringing on new features and enhancements to meet the needs of our customers! Department: Customer Care Location: Byron Center, St. Joe, and Traverse City The Customer Care Center is a multi-media contact center servicing customers via phone, , online chat or secure message. Our skilled team members assist our customers on all areas of our products and services. From basic account information to technical support with our banking products; we pride ourselves on customer service being our #1 priority. Our mission is to provide enjoyable, valuable and memorable service to our customers every day. Department: Credit Administration Location: Byron Center, Midland, and Traverse City The Credit Administration department will work closely with the Commercial Lending team to assist them in providing lending opportunities to businesses in the communities that we serve. Our underwriting provides the Bank with valuable risk analysis information that is used to help make sound lending decisions. The Credit Analyst team: Reviews financial statements and data to analyze financial performance of business customers and prospects. Documents analysis and underwriting data in a report format for management review and lending decision making. Monitors compliance with required loan covenants to determine continued financial strength of borrowers.

2 The ideal candidate for the Credit Department will possess qualities such as financial acumen, strong verbal and written communication skills, confidence, organizing and planning skills, will excel at problem solving and decision making and possess a high level of attention to detail. Department: Business Mobile Locations: Hub Byron Center, Zeeland, Stanton, Portage, Battle Creek, Saginaw Our Business Mobile Department is a courier service that takes the bank to our business clients. We pick up deposits, deliver petty cash and transport other important documents to and from our business customers. In addition to this service, our highly visible vehicles are mobile billboards for our organization. This is a key service that brings convenience, security, liability protection and saves money for our customers. We pride ourselves on delivering exceptional customer service. Come see how we are driving past the competition! Department: Retail Operations (Ops Help Desk) Location: Byron Center Our branch network works every day to give our customers an exceptional experience. In order to do so, we have significant behind the scenes support. We have regional Branch Operations Specialists who work with our branch staff assisting with questions, creating processes and procedures, and conducting training. In addition, our Operations Help Desk is a centralized call center support team that is there for our branches and departments to assist with the multitude of operational questions that a branch encounters on a daily basis. Both of our support groups will help our branch staff get questions answered immediately to assist our customers. To create an exceptional experience it takes a team of committed individuals to get the job done! Department: Commercial Lending Location: Various locations across the state Commercial Lending at Chemical Bank is done with a community focus. Our lenders meet with business prospects to offer a full range of lending products and treasury management services to meet their needs. Our commercial lenders work closely and are supported by our credit and documentation departments to make empowered decisions.

3 Department: Retail Banking Location: Various locations across the state Our retail network has over 156 branches that are divided amongst our 17 Community Banks. As a Retail Banking Professional, you will utilize your expertise and dedication to customer service to deliver a wide range of innovative products and convenient services to our customers. From processing transactions to opening accounts to assisting with various customer requests, tellers, customer service representatives, and branch managers work hand in hand to make the dreams of our customers become a reality. Department: Mortgage Sales Location: Various locations across the state The Mortgage sales team is dedicated to meeting the needs of our customers and communities. Our role within Chemical Bank is to consult with clients and existing customers and advise them as to the best mortgage product to fit their needs. Our motto is to Make it Matter for each and every opportunity we encounter. Department: CFC Title Services Location: Hub Midland, with regional support services CFC Title Services, Inc. provides real estate title insurance for both property owners and lenders, both policy types start with a title commitment. A commitment is created by a Title Examiner reviewing the chain of title to the real property and creating a list of action items that need to happen in order to assure the owner is buying the property free and clear of liens. A commitment also assures the lender of the priority of the mortgage they are granting on the real property. We also offer Settlement or Escrow Services whereby a settlement statement is prepared which outlines the costs and fees associated with either a new purchase or the refinancing of property already owned by the borrower.

4 Department: Facility Management Location: Hub Midland, maintenance support in each region Corporate Facilities works in unison with all areas of the bank to provide convenient, safe, clean, and cost-efficient locations for our customers and employees. Our Data and Process Management Model includes handling a variety of issues in the areas of Operations, Compliance, Finance, Information Technology, Human Resources, Real Estate, and Energy and Sustainability. Department: Loan Service Center The Loan Service Center (LSC) is comprised of several departmental teams, each responsible for a vital aspect of the loan process. Each loan is reviewed to ensure integrity and compliance with the Bank's policies and Federal regulations. The LSC is responsible for entering loans and validating that information as well as processing all maintenance, amendments, renewals, auto transfers, extensions, floorings, payoff quotes, and servicing loans sold to investors. Monthly reports are compiled showing the strength of our loan portfolio and shared with management teams to help direct Chemical Bank in a healthy direction that is also appealing to current and potential customers. Department: Risk Management The Risk Management department is comprised of several teams including Internal Audit, Compliance, BSA/AML, Loss Prevention, Information Security, CRA and Loan Review. Our department identifies, analyzes, assesses, controls; and avoids, minimizes or eliminates unacceptable risks. We use risk assumptions, risk avoidance, risk retention, and risk transfer to properly manage future events. Team-oriented decision-making is practiced within the Risk Management Department on a daily basis.

5 Department: Deposit Services With many years of experience, combined with a dedicated team, Deposit Services is focused on providing support to branches and departments. Deposit Services is primarily responsible for maintaining Checking, Savings, and Time Deposit accounts. Having access to a variety of systems allows our staff the ability to perform research, imaging, and reconciling of accounts to mention a few. Our staff is knowledgeable, respectful, diligent, and is excited to welcome any individuals to our team displaying the same integrity and professionalism. The following department all fall under the Deposit Services group: Overdraft Privilege, Bookkeeping, Time Deposits, Input, Imaging, Research, ACH, and Records Retention Department: Personal Loan Underwriting Services (PLUS) The Personal Loan Underwriting Services (PLUS) Department works with our branches in regards to consumer and commercial lending. Our team handles everything beginning with the approval/denial process to the preparation of closing documents. For consumer loans, we are responsible for the Underwriting, Document Verification and Closing Document Preparation and for commercial loans we are responsible for the Document Verification and Closing processes. We also handle vendor services that include ordering appraisals, flood determinations and verifying credit reports. Department: Merchant Services/Card Services Location: Merchant Services Midland, Card Services Traverse City These Departments are devoted to providing our customers with exceptional customer service on the card products we endorse. These products include ATM Cards, Debit Cards, Credit Cards, and Reloadable Cards for personal and business use. In addition to our card products we also provide valuable ATM assistance to our more than 156 locations across Michigan. Card Services also acts as a liaison between First Data our merchant services processing partner and our customers.

6 Department: Other Real Estate (ORE) The Other Real Estate (ORE) Department s primary job is to manage and maintain Chemical Bank s owned properties once the foreclosure proceedings have been completed. Individuals in the department act as property managers, securing the properties, getting them marketable and working with Real Estate Agents to list and sell the properties for a fair market value. A strong background in understanding real estate transactions is beneficial to work in the department along with great communications skills. Department: Business Advocate Group The Business Advocate Group exists to provide the catalyst for Process Improvements within Chemical Bank. We are driven by the desire of our Business Partners within the Bank to achieve maximum performance with their processes. The Business Advocate Group is responsible for assisting Business Unit Managers in identifying where Business Process Improvements can be made. We will collaboratively design, develop, and document processes and procedures that will increase customer satisfaction by identifying how those processes and procedures can operate faster, more efficiently, more effectively, at less cost, with less staff (or by creating greater capacity with existing staff), and be easier to understand and use. The Business Advocate Group will follow an end-to-end process from Discovery to Implementation. Our role is to assist with the collaboration of information, conducting meetings, gathering requirements, coordinating with multiple business units to help find the optimum situation for Business Process Improvements. Department: Treasury Management Location: Hub Midland, with regional support As a member of this team you will be an integral part of managing Chemical Bank s balance sheet for interest rates, market, and liquidity risks. Our sales area delivers fund management solutions to large corporate and municipal clients Treasury Management Specialists are responsible for gathering prospects from internal partners and current clients and selling business banking services and products. We develop creative banking solutions for our Commercial and Municipal customers. Treasury Management Specialists are responsible for developing sales strategies and expanding referral opportunities. We participate in community organizations and activities, and assisting

7 prospective and current clients in completing product and service applications, as needed. We partner with the commercial lending officers and branch managers to better serve our customers. As a member of this team you will be an integral part of delivering funds management solutions to large corporate and municipal clients. Department: Human Resources Location: Service Center Midland, with regional support in Training, Employee Relations, Recruiting At Chemical Bank, we believe that talented and engaged employees are the foundation of our business. We are inspired by the dreams of our co-workers and strive to create an environment where they have the opportunity to achieve their dreams. Our Recruiting team attracts and retains talented and engaged employees. Our Service Center processes all of the HR information and is the contact point for employee questions. Our Training teams provide skill based education to our 2,000+ employees. Our Talent Management area focuses on increasing the talent pool of ready leaders who will drive the growth of the Bank while engaging and developing their employees. Our Business Partners work with managers to provide HR solutions for business problems. Department: Information Technology As a User Support team member, we provide a broad an array of services for our customers to help meet their computing needs. If you join us, you will find that we are a team of technology professionals dedicated to customer understanding. We continuously learn new and innovative ways to communicate and deepen relationships with our customers via telephone, and online communicator. We are champions of the Chemical Bank brand, forward-looking with respect to technology risks. We contribute to the front line by collaborating with our peers to ensure technology services are functioning properly. In User Support, we hold ourselves accountable for ease of customer interaction, attention to detail and excellence in customer service.

8 Department: Wealth Management (Trust/Employee Benefits/Investments) Location: Hub Midland, Bryon Center, Traverse City, St. Joe The Chemical Bank Wealth Management team is comprised of three groups: Trust and Estate Services, Investment Management, and Employee Benefits. The Trust Officers and support staff provides outstanding service to high net worth clients. We feature investment management services for clients that have accumulated sufficient funds to provide for their care during the remainder of their lifetime. We also feature trust and estate administration services for clients that name Chemical Bank as the personal representative in a will or the trustee in a trust agreement. Chemical Financial Advisors provide brokerage and insurance services using registered investment executives and Financial Advisors located throughout Chemical Bank s branch network. The Employee Benefits Department works with employers, large and small, to design and establish retirement services such as IRAs or 401(k) plans that will keep pace with your business and provide your employees with a secure future. If you are looking for a career to work directly with clients and develop long-term relationships, then you should explore the career choices that are available in Wealth Management. Department: Collections Location: Byron Center and St. Joe The Collections Department is heavily focused on customer service and is responsible for all consumer loan collections, including residential portfolio mortgage loans and sold-servicing retained mortgage loans. Each collector has an assigned group of customers to contact regarding past-due payments. The department can help customers with financial difficulty and who are struggling to make their loan payments by offering a variety of alternative payment options. In addition, there also specialists in the following areas: Repossession, Bankruptcy, Foreclosure, Loan Loss Recovery, and Mortgages. If you are looking into working in the Collections Department, you should possess excellent communication and negotiation skills related to solving customer issues.