Title Customer Associate (Bank Teller)

The Customer Associate (CA)  is responsible for accurately and efficiently processing customer transactions over-the-counter and through the drive-thru while recognizing and incorporating cross-sell techniques to further enhance customer services. The CA processes transactions including deposits and withdrawals, checks, official and counter checks, and fielding general account inquiries. All duties will be handled professionally and courteously as is consistent with the service excellence expected from Middletown Valley Bank employees.  The CA will assist with the daily balancing operations including customer associate drawer, branch ATM, and branch vault, as well as verification of coin machines and bags, night deposits, and deposits via mail.  The CA will complete regular general maintenance of equipment, including coin machines, workstations and check scanners, and ATMs.


  • Process customer transactions and requests accurately and efficiently.
  • Provides account services to customers including transactions such as deposits and loan payments, cashing checks, completing withdrawals, and completing account updates and maintenance.
  • Recognize and incorporate cross-sell techniques to further enhance the services offered to customers.
  • Actively refer customers to the Customer Service Manager for products and services.
  • Assist with the completion of the daily balancing operations including cash drawers, branch vault cash, and branch ATM.
  • Verify and process transactions for coin machines and coin bags, night deposits and deposits via mail.
  • Complete general maintenance on equipment such as coin machines, workstations and check scanners, and ATMs as required.
  • Maintains customer confidence and protects bank operations by keeping information confidential.
  • Represent the bank professionally and courteously, consistent with the excellent customer service standards of Middletown Valley Bank
  • Perform any and all other duties as assigned by management.
  • Community Involvement
Qualifications and Requirements:
  • Eighteen years of age with a high school diploma or a work study program participant.
  • Previous customer service, sales, or cash handling experience desirable. Previous banking experience ideal.
  • Ability to operate in a professional office environment while servicing customers in a courteous and professional manner.
  • Basic knowledge of retail banking products and the ability to cross-sell financial products.
  • Adaptable in an ever-changing technological and regulatory environment.
  • Effective communication skills with both internal and external customers.
  • Ability to logically prioritize tasks while operating in a team environment.
  • Ability to multitask.
  • Flexibility in schedule sufficient to work days, evenings, or Saturdays.
  • Commitment to Middletown Valley Bank’s Code of Ethics.
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Title Credit Analyst II

The Credit Analyst II is responsible for timely and accurately underwriting commercial loan requests, annual reviews, appraisal reviews, covenant compliance monitoring and renewals. Assists the Credit and Loan Administration Manager with ensuring the Bank’s loan portfolio maintains the highest quality standards by focusing on written evaluation of individual loan relationships. The Credit Analyst II is expected to demonstrate an understanding of proper loan structure and a strong ability to analyze financial trends.

  • Review, spread, analyze and comment on borrower’s and guarantor’s tax return, financial statements, credit, overall financial condition and related material including cash flow, sources of repayment, viability and operations as well as the Bank’s collateral position, potential risks and mitigating factors with established guidelines.
  • Prepare comprehensive credit write-ups and annual loan reviews demonstrating both a pride in ownership and the ability to produce a large volume of analysis.
  • Recommend loan risk ratings as well as ‘as-stressed’ risk ratings.
  • Assist with periodic Loan Segment/Concentration Analysis.
  • Assist with maintenance of Credit Department COPE procedures.
  • Be abreast of current economic conditions in the local communities.
  • Perform any and all other duties as assigned by management.
Qualifications and Requirements:
  • A minimum of three, ideally five, years of experience as a credit analyst.
  • Bachelor’s degree in accounting or finance or relevant experience.
  • The ability to quantify risk and identify current or potential weaknesses within the credit underwriting process on more complex underwriting.
  • Thorough knowledge of the financial services industry, banking regulations, and lending practices.
  • A strong understanding of business and personal financial statements, as well as tax returns.
  • Demonstration of the ability to identify financial trends with cause and effect.
  • Excellent communication, interpersonal, teamwork and customer service.
  • Strong computer skills, including word processing, spreadsheets and Sageworks Analyst.
  • Commitment to the Middletown Valley Bank’s Code of Ethics and its Core Values.
  • A fundamental knowledge of loan structuring.
  • The ability to give and receive constructive criticism.
  • Strong organizational skills.
  • Demonstrate confidence in opinions offered which result from the analysis performed.
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