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Mortgage Loan Officer

34dd9aa9 2590 4d09 Bf4b 093052044888 19000101 000001 · Atlanta, GA, US, Atlanta, GA · Active · ADP Workforce Now Recruiting

Job facts

FieldValue
Company34dd9aa9 2590 4d09 Bf4b 093052044888 19000101 000001
TitleMortgage Loan Officer
Normalized title-
Department / team-
LocationAtlanta, GA, United States
Work model-
Employment typeFull Time
Salary-
Statusactive
ATS providerADP Workforce Now Recruiting
Posted / first seen2021-11-19 / 2026-05-31
Changed / last seen2026-06-06 / 2026-06-06

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PageWhat it containsOpen
Company jobsActive postings from 34dd9aa9 2590 4d09 Bf4b 093052044888 19000101 000001.Open
Company breakdownsRole, location, ATS, and work model facets for this company.Open
ATS provider jobsActive postings observed through ADP Workforce Now Recruiting.Open
Provider filtered searchThe same provider as a filtered job collection.Open
City jobsActive postings in Atlanta.Open
Lifecycle eventsOpen, update, close, and reopen events for this posting.Open
Original postingCanonical source or apply URL captured from the ATS.Open

Linked records

Company34dd9aa9 2590 4d09 Bf4b 093052044888 19000101 000001
Source804ac33e-f69c-4050-82d3-c0fb9cf41803
ATS providerADP Workforce Now Recruiting

Description

We’re Hiring! Mortgage Loan Officer - Atlanta, GA Building relationships since 1921, Citizens Trust Bank is an institution built on a rich history of financial empowerment. Our Bank continues to champion its commitment to providing viable business and consumer money management solutions and personalized service to meet the growing needs of its customers. Our mission is to empower generations for financial success. We are driven to excel and led by our mission of empowerment to prepare generations to secure a financial future. We inspire and execute our institution’s values of INTEGRITY, COLLABORATION, INNOVATION, SERVICE EXCELLENCE, RESPECT, ACCOUNTABILITY, and LEADERSHIP to be the keys to our ongoing success. By joining our team, you can expect opportunities to enhance personal skills as well as professional growth. As community partners, associates, and stakeholders of the bank’s legacy - We Are Citizens Trust Bank, and we are united in the achievement of the bank and its mission and objectives. We invite you to be a part of our awesome team. If you are interested in this position and meet the qualifications and requirements, please apply at www.ctbconnect.com . Additionally, if you have any questions, please contact us at 404-575-8263. POSITION SUMMARY: POSITION SUMMARY: Responsibilities include but are not limited to the following: Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank’s mortgage and other banking solutions Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank Screens mortgage loan requests; educates prospective clients about the bank’s underwriting guidelines and all applicable government regulations Obtains required information and documents from prospective loan clients and analyzes financial and credit data Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank Hosts and conducts homebuyers related seminars and educational sessions Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of the bank’s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations Demonstrates consistent professional appearance, image, ethics, integrity, and represents the CTB Brand Attends and participants in various business meetings; schedules and confirms appointments; follow-up on business referrals Composes and distributes various correspondence and reports; assists with the development of marketing material and resources Adheres to all policies, procedures, guidelines, expectations, laws and regulations Exceeds all established positions’ goals, objectives, and expectations Supports the Bank’s vision, core values, business principles, goals, and objectives Performs other duties and responsibilities as assigned QUALIFICATIONS, SKILLS, AND ABILITIES: Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment Bachelor’s degree in finance, accounting, economics, marketing, business administration, or related field Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures Excellent quality customer service skills and ability to establish relationships in a manner that enhances the overall marketing efforts of the Bank Must be able to maintain positive composure and consistently demonstrate professional appearance, image, and represents the CTB Brand Ability to prepare mortgage files for underwriting within established guidelines Excellent telephone etiquette and respectful of others Proficient in Microsoft Office (Word, Excel, Outlook, Internet, and working knowledge of Encompass Mortgage software systems) Assertive and demonstrates initiative with the ability to comprehend and follow directions and instructions Ability to produce accurate and organized work with minimum supervision Genuine interest in serving and caring for others Excellent organizational, listening, and interpersonal skills are required Ability to handle and maintain confidential matters and information Up to date understanding of industry trends and developments Must be a self-starter who is self-motivated with the ability to produce results, meet all established goals, objectives, and expectations, and ability to comply with all bank policies, procedures, regulations, and laws Excellent analytical and problem resolution and negotiation skills Ambitious with a strong work ethic, positive behavior, ability to work both independently and as a part of a team, results focused, and detailed-oriented with excellent time management and planning skills Excellent communication skills with ability to communicate clearly, concisely, tactfully, and effectively Ability to maintain a proactive approach to assignments and multi-task oriented Flexible, resourceful, and energetic with excellent research and presentation skills Exceptional creativity with ability to manage multiple tasks and prioritizes work to meet deadlines A competitive winning spirit that understands the team concept Ability to work through situations and find win-win solutions Ability to establish and maintain effective working relationships with co-workers, customers, and representatives of other departments Ability to work in a fast paced, high volume environment, and must be adaptable to change Citizens Trust Bank is committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment based on respect, accountability, and high-quality performance. We offer competitive compensation and a comprehensive employee benefits package for our full-time employees. Our benefits package includes the following:  Medical, Dental, Vision, and Prescription  401(k) Retirement Plan  Life Insurance  Accidental Death & Dismemberment  Short&/Long Term Disability  Flexible Spending Plan  Paid Time Off, Vacation, and Holiday Pay  Tuition Reimbursement  Employer Assisted Housing Program EEO/AA 11/21  Wholesale Membership Program  Wellness Program  Employee Assistant Referral Services (EAP)  Legal Shield Program  Group Cancer & Accident Insurance Programs  Worker’s Compensation Program  Free Banking Services  Awards and Recognition Programs  Training & Development Programs and much more

Full job record

Job ID6b0ee08bea7ee85b812e2430088ca7235d538f25
Org ID4cf702bb-bc5c-4f40-a8a7-40dbfcfb9f54
Source ID804ac33e-f69c-4050-82d3-c0fb9cf41803
Board ID804ac33e-f69c-4050-82d3-c0fb9cf41803
Provideradp_workforcenow
Provider Job Key429893
TitleMortgage Loan Officer
Normalized Title—
Statusactive
Activeyes
Location TextAtlanta, GA, US, Atlanta, GA
Department—
Team—
Employment Typefull_time
Workplace Type—
Remote Policy—
CountryUnited States
RegionGA
CityAtlanta
Salary Raw—
Salary Min—
Salary Max—
Salary Currency—
Salary Period—
Source URLhttps://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=34dd9aa9-2590-4d09-bf4b-093052044888&ccId=19000101_000001&lang=en_US&type=JS&jobId=429893&jwId=9200238033092_1
Apply URLhttps://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=34dd9aa9-2590-4d09-bf4b-093052044888&ccId=19000101_000001&lang=en_US&type=JS&jobId=429893&jwId=9200238033092_1
First Seen At2026-05-31 18:40:07Z
Last Seen At2026-06-06 13:09:47Z
Last Checked At2026-06-06 13:09:47Z
Last Changed At2026-06-06 13:09:47Z
Inactive At—
Source Posted At2021-11-19 19:27:00Z
Source Updated At—
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Event Fields
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  "active_status": "active"
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Parsed Structured
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Extensions
{}
Native Structured
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    "requisitionDescription": "<div><div><div><p id=\"isPasted\" style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><span style=\"font-size:12px;color:#009999;\">&nbsp;<img src=\"https://static.workforcenow.adp.com/cccustom/Client/Recruitment/ctb_w_name_horiz_teal_03485428-fd86-4239-af0a-4e5844111458.png\" style=\"width: 300px;\" class=\"fr-fic fr-dib\" filepath=\"/Client/Recruitment/ctb_w_name_horiz_teal_03485428-fd86-4239-af0a-4e5844111458.png\" status=\"success\" isreadonly=\"false\" requestresponseid=\"b8763d23-f051-421d-be82-97ae45ea89b6\" servertimetaken=\"848\"></span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><span style=\"font-size:40px;color:#009999;\">We&rsquo;re Hiring!</span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><span style=\"font-size:13px;\">&nbsp;</span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><span style=\"font-size:19px;\">Mortgage Loan Officer - Atlanta, GA</span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;text-align:justify;'><span style=\"font-size:13px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;text-align:justify;'><span style=\"font-size:13px;\">Building relationships since 1921, Citizens Trust Bank is an institution built on a rich history of financial empowerment. Our Bank continues to champion its commitment to providing viable business and consumer money management solutions and personalized service to meet the growing needs of its customers. &nbsp;Our mission is to empower generations for financial success.&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;text-align:justify;'><span style=\"font-size:13px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><span style=\"font-size:13px;\">We are driven to excel and led by our mission of empowerment to prepare generations to secure a financial future. We inspire and execute our institution&rsquo;s values of&nbsp;<strong>INTEGRITY, COLLABORATION, INNOVATION, SERVICE EXCELLENCE, RESPECT, ACCOUNTABILITY, and LEADERSHIP</strong> to be the keys to our ongoing success. &nbsp;<br>&nbsp;<br>&nbsp;By joining our team, you can expect opportunities to enhance personal skills as well as professional growth. As community partners, associates, and stakeholders of the bank&rsquo;s legacy - We Are Citizens Trust Bank, and we are united in the achievement of the bank and its mission and objectives. We invite you to be a part of our awesome team.&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><span style=\"font-size:13px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;text-align:justify;'><span style=\"font-size:13px;\">If you are interested in this position and meet the qualifications and requirements, <strong>please apply at <a href=\"http://www.ctbconnect.com\">www.ctbconnect.com</a>.</strong>&nbsp; Additionally, if you have any questions, please contact us at 404-575-8263.</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><span style=\"font-size:13px;\">&nbsp;</span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:1.5in;text-indent:-1.5in;'><strong><span style=\"font-size:19px;\">POSITION SUMMARY:</span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><span style=\"font-size:13px;\">&nbsp;</span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;text-align:justify;'><span style=\"font-size:13px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:1.5in;text-indent:-1.5in;'><strong><span style=\"font-size:12px;\">POSITION SUMMARY:&nbsp; &nbsp;&nbsp;</span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:1.5in;text-indent:-1.5in;'><strong><span style=\"font-size:12px;\">&nbsp;</span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:1.5in;text-indent:-1.5in;'><span style=\"font-size:12px;\">Responsibilities include but are not limited to the following: &nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.5in;'><span style=\"font-size:12px;\">&nbsp;</span></p><ul style=\"list-style-type: disc;margin-left:0in;\"><li><span style=\"font-size:12px;\">Researches, identifies and generates business leads, networks, contacts, and opportunities; interviews and works with prospective loan clients and other clients to obtain lending business for the bank; cross-sells and market the bank&rsquo;s mortgage and other banking solutions</span></li><li><span style=\"font-size:12px;\">Participates and represents the bank at community functions, events, and activities to develop new lending business opportunities and promote the bank</span></li><li><span style=\"font-size:12px;\">Screens mortgage loan requests; educates prospective clients about the bank&rsquo;s underwriting guidelines and all applicable government regulations</span></li><li><span style=\"font-size:12px;\">Obtains required information and documents from prospective loan clients and analyzes financial and credit data</span></li><li><span style=\"font-size:12px;\">Obtains, manages, and completes the loan application process for clients; enters loan information into mortgage system accurately; submits loan application files for processing and underwriting approval in timely manner</span></li><li><span style=\"font-size:12px;\">Delivers exceptional customer services consistently to all customers and oversees and monitors the entire loan application process and status; communicates effectively with customers&nbsp;</span></li><li><span style=\"font-size:12px;\">Establishes and maintains productive and effective working and business relationships with internal and external customers, business lines, real estate agents, construction companies, professional associations and organizations, etc. that enhances the overall marketing efforts of the bank</span></li><li><span style=\"font-size:12px;\">Hosts and conducts homebuyers related seminars and educational sessions</span></li><li><span style=\"font-size:12px;\">Utilizes bank training opportunities and resources; stays abreast of mortgage industry trends and developments; maintains up-to-date working knowledge of &nbsp;the bank&rsquo;s lending programs, policies, procedures, regulatory requirements, applicable laws and regulations</span></li><li><span style=\"font-size:12px;\">Demonstrates consistent professional appearance, image, ethics, integrity, and represents the CTB Brand</span></li><li><span style=\"font-size:12px;\">Attends and participants in various business meetings; schedules and confirms appointments; follow-up on business referrals</span></li><li><span style=\"font-size:12px;\">Composes and distributes various correspondence and reports; assists with the development of marketing material and resources</span></li><li><span style=\"font-size:12px;\">Adheres to all policies, procedures, guidelines, expectations, laws and regulations</span></li><li><span style=\"font-size:12px;\">Exceeds all established positions&rsquo; goals, objectives, and expectations&nbsp;</span></li><li><span style=\"font-size:12px;\">Supports the Bank&rsquo;s vision, core values, business principles, goals, and objectives</span></li><li><span style=\"font-size:12px;\">Performs other duties and responsibilities as assigned</span></li></ul><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.5in;'><span style=\"font-size:12px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.5in;'><span style=\"font-size:12px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><u><span style=\"font-size:12px;\">QUALIFICATIONS, SKILLS, AND ABILITIES:</span></u></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><u><span style=\"font-size:12px;\"><span style=\"text-decoration:none;\">&nbsp;</span></span></u></strong></p><ul style=\"list-style-type: disc;margin-left:0in;\"><li><span style=\"font-size:12px;\">Strong working knowledge of various type of mortgage loans (FHA, VA, Conventional, etc.) in a banking or mortgage environment</span></li><li><span style=\"font-size:12px;\">Bachelor&rsquo;s degree in finance, accounting, economics, marketing, business administration, or related field</span></li><li><span style=\"font-size:12px;\">Minimum three (3) years of residential mortgage loan origination, business development experience in a mortgage or banking environment; National Mortgage License System (NMLS) Certification is required</span></li><li><span style=\"font-size:12px;\">Good understanding of mortgage and consumer laws, regulations, policies, guidelines, practices, and procedures&nbsp;</span></li><li><span style=\"font-size:12px;\">Excellent quality customer service skills and ability to establish relationships in a manner that enhances the overall marketing efforts of the Bank</span></li><li><span style=\"font-size:12px;\">Must be able to maintain positive composure and consistently demonstrate professional appearance, image, and represents the CTB Brand</span></li><li><span style=\"font-size:12px;\">Ability to prepare mortgage files for underwriting within established guidelines</span></li><li><span style=\"font-size:12px;\">Excellent telephone etiquette and respectful of others</span></li><li><span style=\"font-size:12px;\">Proficient in Microsoft Office (Word, Excel, Outlook, Internet, and working knowledge of Encompass Mortgage software systems)</span></li><li><span style=\"font-size:12px;\">Assertive and demonstrates initiative with the ability to comprehend and follow directions and instructions</span></li><li><span style=\"font-size:12px;\">Ability to produce accurate and organized work with minimum supervision</span></li><li><span style=\"font-size:12px;\">Genuine interest in serving and caring for others</span></li><li><span style=\"font-size:12px;\">Excellent organizational, listening, and interpersonal skills are required</span></li><li><span style=\"font-size:12px;\">Ability to handle and maintain confidential matters and information</span></li><li><span style=\"font-size:12px;\">Up to date understanding of industry trends and developments</span></li><li><span style=\"font-size:12px;\">Must be a self-starter who is self-motivated with the ability to produce results, meet all established goals, objectives, and expectations, and ability to comply with all bank policies, procedures, regulations, and laws</span></li><li><span style=\"font-size:12px;\">Excellent analytical and problem resolution and negotiation skills</span></li><li><span style=\"font-size:12px;\">Ambitious with a strong work ethic, positive behavior, ability to work both independently and as a part of a team, results focused, and detailed-oriented with excellent time management and planning skills</span></li><li><span style=\"font-size:12px;\">Excellent communication skills with ability to communicate clearly, concisely, tactfully, and effectively</span></li><li><span style=\"font-size:12px;\">Ability to maintain a proactive approach to assignments and multi-task oriented</span></li><li><span style=\"font-size:12px;\">Flexible, resourceful, and energetic with excellent research and presentation skills</span></li><li><span style=\"font-size:12px;\">Exceptional creativity with ability to manage multiple tasks and prioritizes work to meet deadlines</span></li><li><span style=\"font-size:12px;\">A competitive winning spirit that understands the team concept</span></li><li><span style=\"font-size:12px;\">Ability to work through situations and find win-win solutions</span></li><li><span style=\"font-size:12px;\">Ability to establish and maintain effective working relationships with co-workers, customers, and representatives of other departments</span></li><li><span style=\"font-size:12px;\">Ability to work in a fast paced, high volume environment, and must be adaptable to change</span></li></ul><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.5in;'><span style=\"font-size:12px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:1.5in;text-indent:-1.5in;'><span style=\"font-size:13px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:1.5in;text-indent:-1.5in;'><span style=\"font-size:13px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-align:justify;'>&nbsp;</p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;text-align:justify;'><strong><em><span style=\"font-size:13px;color:black;\">Citizens Trust Bank is committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment based on respect, accountability, and high-quality performance. &nbsp;We</span></em></strong><strong><em><span style=\"font-size:13px;\">&nbsp;offer competitive compensation and a comprehensive employee benefits package for our full-time employees. &nbsp;Our benefits package includes the following:</span></em></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;text-align:justify;'><strong><em><span style=\"font-size:12px;\">&nbsp;</span></em></strong></p><table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" style=\"width:520.45pt;border-collapse:collapse;\" width=\"694\"><tbody><tr><td style=\"width: 46.83%; padding: 2.9pt; height: 152.15pt; vertical-align: top;\" valign=\"top\"><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Medical, Dental, Vision, and Prescription&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;401(k) Retirement Plan&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Life Insurance&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Accidental Death &amp; Dismemberment&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Short&amp;/Long Term Disability&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Flexible Spending Plan &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Paid Time Off, Vacation, and Holiday Pay&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Tuition Reimbursement</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Employer Assisted Housing Program</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><span style=\"font-size:12px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><span style=\"font-size:12px;\">&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><span style=\"font-size:12px;\">EEO/AA</span></strong></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><span style=\"font-size:12px;\">11/21&nbsp;</span></strong></p></td><td style=\"width: 53.17%; padding: 2.9pt; height: 152.15pt; vertical-align: top;\" valign=\"top\"><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Wholesale Membership Program</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Wellness Program</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Employee Assistant Referral Services (EAP)</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Legal Shield Program</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Group Cancer &amp; Accident Insurance Programs</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Worker&rsquo;s Compensation Program</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Free Banking Services</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Awards and Recognition Programs&nbsp;</span></p><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;margin-left:.25in;text-indent:-.25in;'><span style=\"font-size:12px;\"></span><span style=\"font-size:12px;\">&nbsp;Training &amp; Development Programs and much more</span></p></td></tr></tbody></table><p style='margin:0in;margin-bottom:.0001pt;font-size:16px;font-family:\"Times New Roman\",serif;'><strong><span style=\"font-size:13px;\">&nbsp;</span></strong></p></div></div></div>\n",
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