First Commonwealth Bank

Role Description Handles incoming service calls from Treasury Management clients, or potential Treasury Management clients, having questions regarding their current accounts and/or services. Completes client follow up resulting from inbound calls such as account maintenance, research, and follow up on information requests. Makes outbound non-sales calls to support various Treasury Management initiatives. Implements Treasury Management Products, input pricing and customer training. - Performs the onboarding and maintenance of Treasury Management products and services, including: - Business Online Banking - TM Online - ACH Origination - Wires - Positive Pay - Lockbox - Cash Vault - Remote Deposit Capture - BAI - EDI - Sweeps - CDARS - Implements Account Analysis pricing as instructed by TMO and/or TM Service Specialist (TMSS) - Conducts client training for Treasury Management products and services - Assists with demos for potential TM clients - Handles incoming service calls from Treasury Management clients including but not limited to: - TM Platform access issues and inquiries - Troubleshooting - Password Resets - Existing deposit and loan account inquiries - Account inquiries - Completes client follow-up resulting from inbound calls (i.e. account maintenance requests, records research, appropriate mailings, outbound calls to other departments, and calls back to clients) - Makes outbound client service and support calls - Works with Treasury Management vendors to troubleshoot issues - Executes trades for Mutual Fund Sweep product - Tests and validates file formats and layouts to ensure system compatibility - Initiates and actively participates in client conversations to identify and appropriately address client needs - Identify additional customer needs through interaction and send follow-up to Treasury Management Sales - Performs and documents User Acceptance Testing on TM products - Aids in the development, implementation, maintenance and enforcement of procedures Qualifications - High school diploma or equivalent required - Three (3) years of experience in Treasury Management, Accounting or related field is preferred - Above average analytical ability - Proficient reading, writing, and grammar skills - Proficient analytical and mathematical skills - Proficient communicative and interpersonal relations skills - May be eligible for Telecommuting

Role Description The lending assistant functions to support the Loan Originators in making the borrower loan experience as pleasant and efficient as possible. The lending assistant must have exemplary communication skills with customers as well as colleagues. The lending assistant coordinates with borrowers to prepare a complete loan file for submission and continues to work with the borrower throughout the loan process to satisfy all loan conditions required for a full loan approval. The lending assistant is responsible for ensuring the scheduling of all third party services are on track for a timely closing. The lending assistant coordinates any post-closing needs with Secondary, Underwriting, and the borrowers. - Supports assigned Mortgage Loan Originator(s) (MLO) and the management of their mortgage loan pipeline in order to meet customer needs and achieve targeted sales goals. - Coordinates with borrowers to prepare a complete loan file for submission and continues to work with the borrower throughout the loan process to satisfy all loan conditions required for a full loan approval. - Prepares complete file for submission (within 1 day of getting all verification docs from borrowers) - Reviews Credit - Completes and verifies entire 1003 - Verifies income & employment - Verifies residential history - Verifies assets/ source of down payment - Reviews any large deposits - Runs AUS - Ensures the scheduling of all third party services are on track for a timely closing. - Tracks appraisal turn times/ inspections/ order rejections/acceptance - Orders HOI - Coordinates any post-closing needs with Secondary, Underwriting, and the borrowers. - Communicates requirements to borrowers (within 1 day of conditional approval) - Collects loan conditions from borrowers, vendors, bank partners (preferably within 1 week of conditional approval) - Coordinates updates on files (addendums, loan changes, etc. with all parties) - Maintains database - Maintains knowledge of secondary marketing guidelines, portfolio guidelines and all mortgage loan products. - Works to achieve superior client satisfaction through exceptional service. Qualifications - A high school diploma or equivalent is required. An associate’s degree is preferred. - A minimum of two (2) years of current mortgage lending experience is required. - Attention to detail is critical, as are strong communication and organizational skills. - Solid mathematical and analytical skills are also necessary. - A valid driver’s license is required and travel may be necessary. - Must register and maintain current registration with the National Mortgage Licensing System & Registry (NMLS). - Must not appear on the Freddie Mac Exclusionary List or Excluded Parties List System (EPLS), be subject to a Limited Denial of Participation (LDP) or otherwise restricted from participating in HUD programs. - May be eligible for telecommuting.

Role Description Candidate must reside in PA or OH to be Telecommuting Eligible. Responsible for analysis of suspicious activity, including referrals from internal sources and client and transactional activity identified through BSA/AML system(s) and reports. Provides assistance in conducting investigations of suspicious activity and completion of required documentation. Responsible for reviewing and correcting Currency Transaction Report and Monetary Instrument Log information collected by FSC employees. Reviews possible matches related to the Office of Foreign Assets Control Specially Designated Nationals list, FinCEN 314(a) program, and similar list searches. Strict adherence to BSA AML/CFT regulations and internal policy and procedures governing oversight, document retention and accurate and timely regulatory reporting. Participates in all internal and external BSA AML/CFT audits and examinations. Responsible for the review and investigation of system and/or reports to detect potential BSA/AML violations. The position requires strong attention to detail, comprehension of technical regulatory requirements in order to file error-free reports and review potential list matches, and the consistent and accurate use of specific BSA AML/CFT risk management software. Familiarity with FCB Teller processes and software will be beneficial. Requires absolute confidentiality. Engages in first line of defense risk identification and reporting. - Analyzes suspicious activity referrals from all business lines of the company, as well as third parties and law enforcement. - Assists in conducting suspicious activity investigations, using discretion in elevating concerns to appropriate levels of personnel, preparing SAR’s, and maintaining documentation. - Provides ongoing monitoring of suspicious accounts. Investigates cash (and other transactions such as checks, wires and ACH) transactions and complete SARs. Completes and maintains case files for all activity in accordance with prescribed retention practices. - Monitors client transactions and account activity to ensure that company remains in compliance with BSA AML/CFT regulatory requirements. - Monitors currency transaction report and monetary instrument log data collected by Financial Service Center employees; prepare CTRs for filing. - Carries out the annual CTR exemption review process. - Responds to search results for the Office of Foreign Assets Control, Section 314(a), and similar lists. - Participates in all internal and external BSA audits and examinations, while ensuring that no violations of law or repeat findings from previous audits or examinations occur. - Responsible for the review and necessary investigation of output from any systems, reports or processes used to detect activity/transaction/data governed by BSA and AML regulations. Qualifications - Bachelor’s degree in Business, Finance, Criminology or related field, or equivalent experience required. - A minimum of 1 year previous banking experience required, preferably compliance or fraud related and involved with client transactions, and a basic knowledge of BSA/AML. - Proficient interpersonal skills to work effectively with clients, employees, regulatory officials and law enforcement regarding BSA/AML issues. - Requires a valid driver’s license and ability to travel as necessary/needed within FCB’s regional banking network. - Proficient reading, writing, and grammar skills; proficient analytical and mathematical skills; proficient communicative and interpersonal relations skills. - Ability to comply with established budgets and operate within budgetary constraints. - May be eligible for Telecommuting.

Role Description Handles incoming service calls from Treasury Management clients, or potential Treasury Management clients, having questions regarding their current accounts and/or services. Completes client follow up resulting from inbound calls such as account maintenance, research, and follow up on information requests. Makes outbound non-sales calls to support various Treasury Management initiatives. Implements Treasury Management Products, input pricing and customer training. - Performs the onboarding and maintenance of Treasury Management products and services, including: - Business Online Banking - TM Online - ACH Origination - Wires - Positive Pay - Lockbox - Cash Vault - Remote Deposit Capture - BAI - EDI - Sweeps - Implements Account Analysis pricing as instructed by TMO and/or TM Service Specialist (TMSS) - Conducts client training for Treasury Management products and services - Assists with demos for potential TM clients - Handles incoming service calls from Treasury Management clients including but not limited to: - TM Platform access issues and inquiries - Troubleshooting - Password Resets - Existing deposit and loan account inquiries - Account inquiries - Completes client follow-up resulting from inbound calls (i.e. account maintenance requests, records research, appropriate mailings, outbound calls to other departments, and calls back to clients) - Makes outbound client service and support calls - Works with Treasury Management vendors to troubleshoot issues - Executes trades for Mutual Fund Sweep product - Tests and validates file formats and layouts to ensure system compatibility - Initiates and actively participates in client conversations to identify and appropriately address client needs - Identify additional customer needs through interaction and send follow-up to Treasury Management Sales - Aids in the development, implementation, maintenance and enforcement of procedures Qualifications - Requires high school diploma or equivalent; education or one (1)-year of experience in Treasury Management, accounting, finance, or investments is preferred - Above average analytical ability - Proficient reading, writing, and grammar skills - Proficient analytical and mathematical skills - Proficient communicative and interpersonal relations skills - May be eligible for Telecommuting

Role Description Position may be telecommute eligible, however candidate must reside in PA or OH. - Performs daily loan and portfolio system maintenance for: - Consumer solutions - Small business solutions - Commercial solutions - Corporate commercial loans - Mortgage loans - Completes full account activity review and documentation completeness, accuracy, integrity, and initiates any necessary corrections resulting from the review. - Follows restricted guide procedures, which are system or application specific, to ensure system integrity and avoid probable errors that could result in a loss to the bank or client while executing requested maintenance. - Supports both internal and external client questions related to loan accounts. - Adds dealer floor plan units and processes corresponding monetary transactions such as: - Interest payments - Payoffs - Real estate tax disbursements - Escrow account entries - Verifies that transactions balance. - Corrects billing exceptions, posts accrual adjustments, and clears balance activity, as needed. - Processes consumer and residential credit disputes of a general nature. - Receives and prepares accurate disbursement of real estate taxes paid through escrow. - Prepares maintenance and documentation for scanning to the Document Retention System. Qualifications - Must have a high school diploma or equivalent. - Minimum of two (2) years related experience is required. - Proficient mathematics skills; knowledge of computer systems such as LaserPro, CIF, Word, Excel, Grow systems, mainframe, and Loan Prospector. - Moderate interpersonal relations; moderate typing skills; moderate report writing and analytical skills and supervisory skills sufficient to provide training. - Ability to comply with established budgets and operate within budgetary constraints.

Role Description Position may be telecommute eligible, however candidate must reside in PA or OH. - Completes departmental programs and special assignments in order to meet the objectives and goals of the department. - Performs and/or assists with credit reviews for quality, accuracy, and compliance with regulations, seeking guidance from senior staff or management when necessary. - Conducts detailed analysis and examination of underwriting, financials, and loan documentation used to determine the borrower's ability to repay the loan and the accuracy of the assigned risk rating. - Compiles review results into standard report format, which consists of reciting the findings, conclusions, and recommendations to resolve any noted deficiencies into narrative terms. - Verifies that loan portfolios adhere to laws, regulations, policies, procedures, and prudent business practices. - Affirms/assigns risk ratings in accordance with bank guidelines based on own analysis. - Sharpens credit analysis skills through exposure to a variety of financial conditions and companies being reviewed, as well as a greater complexity of loans. - Maintains up-to-date knowledge of changes in laws, regulations, and policies which affect the Credit Review area and function. - Assists other Audit Departments (i.e. Financial, Operations, and IT) as necessary and applies cross-functional skills. - Coordinates and communicates with other departments and external auditors as necessary to facilitate the exchange of necessary information and documentation. Qualifications - A Bachelor’s degree in Finance, Accounting, or related field. - A minimum of three (3) years banking and/or credit review or lending with emphasis on commercial lending experience. - Working knowledge of general financial institution policies and procedures and proficiency in Microsoft Word and Excel. - Excellent organizational, problem-solving and analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions. - Must possess a valid driver’s license and have the ability to travel regionally if necessary. - May be eligible for Telecommuting.

Role Description Assists Corporate Bankers and Portfolio Managers in managing existing Corporate Banking relationships. Acts as a contact person when the Corporate Banker and/or Portfolio Manager are not immediately available and provides direct client service. Expands or deepens client relationships by identifying client needs and communicating to relationship team. Provides direct client service under direction. - Coordinates closings for new loans and modifications under Corporate Banker guidance. - Works closely with Portfolio Managers and Corporate Banking Portfolio Team Lead to ensure the risk management of each client relationship is in compliance with policy and procedure, as well as commercial and regulatory guidelines. - Provides general administrative support for the department including preparing miscellaneous reports, scanning documents to loan files and creating and maintaining corporate client files. Essential Job Responsibilities: - Assists in managing existing Corporate Banking relationships by performing the following: - Assists with collecting and tracking required financial information for the Credit Department to prepare an analysis. Reports collection activity to management in a timely manner. - Under direction, provides service to commercial clients on their banking needs with respect to deposit, loan and other miscellaneous products and services, including (but not limited to): - Answering questions on loans and other accounts, assisting with loan payments and collecting past due loan payments. - Processing advances from lines of credits or multi disbursement credits; preparing and initiating wire transfers. - Performing client verification for ACH and Wire Overlimit requests. - Working with branches to set up accounts or other services and introducing clients to branch staff. - Researching issues, providing solutions and preparing maintenances. - Working with Treasury Management on client issues, as needed. - Builds client relationships by identifying needs, recognizing cross-sell opportunities and communicating to Corporate Banking relationship team. - Loan Origination System (Abrigo) front-end input of new loan requests. - Actively participates in Regional Relationship Team meetings. - Assists with coordinating loan and modification closings by performing the following: - Assists in the preparation of the required pre-closing documents needed for the in-house loan documentation to begin (i.e., commitment letter, application, Reg B Letter, Good Standing Searches). - Orders Property Reports and flood determination (if real estate is held as collateral). - Completes UCC Search to prepare UCC Summary and works with Secured Credit to order an appraisal (if applicable). - Completes all required Loan Origination System workflows to move requests from loan approval through closing and post-closing workflow stages. - Obtains all invoices, descriptions, Serial numbers, etc. if equipment is being purchased. - Prepares upload forms for the loans to be booked to the system. - Coordinates loan closings and fundings with all necessary parties, including Loan Services, title companies, counsel, borrower’s counsel, and the Wire Room, when applicable. - Issues attorney engagement letters and works with outside counsel to prepare the loan documents in accordance to the bank approval and remains in constant communication with the attorney, Corporate Banker, and Loan Documentation to meet all deadlines as well as close the loan as approved. - Prepares necessary internal documents needed for the closing and funding of new loans, i.e., wire instructions, wire form, upload documents, Disbursement Authorization, etc. - Communicates with Loan Documentation to ensure that funding of the loan occurs in a timely fashion and works out any issues that may arise. Checks status of funding and notifies all necessary parties when it has occurred. - Works with Serviced Loans and Secured Credit to provide necessary information for closing participations and syndications, fully-followed transactions, dealer floor plan lines, and real estate transactions. - Checks system to ensure that the loan(s) were uploaded properly. - Follows proper policies and procedures to authenticate clients for all requests. Verifies identity and ensures that the appropriate authorized individual has submitted the request and has provided supporting documentation to prevent fraud. - Works closely with the Portfolio Manager and Corporate Banking Portfolio Team Lead to ensure the risk management of each client relationship is in compliance with policy and procedure, as well as commercial and regulatory guidelines. - Assists senior staff with coordinating rate changes, fees, lender incentives, etc. for SWAPs with Corporate Banker, client, Treasury, and any other financial institution for participation loans. - Collects items requested by Audit pertaining to assigned portfolio. Assists with follow-up on Audit Findings as needed. - Works with all necessary parties including title companies, counsel, and client to clear documentation exceptions in a timely manner. - Provides general administrative support, which may include preparing miscellaneous reports for the department as requested, scanning documents to loan files, monitoring collateral information to ensure accuracy on reports, assisting with missing documentation follow-up and creating and maintaining corporate client files. Qualifications - Minimum of one (1) year related experience required. - High School diploma or equivalent is required. - Excellent MS Word and Excel skills, Customer Service and communication skills, ability to work as a team player and to prioritize work effectively are all required. - Strong computer skills with the ability to learn internal systems are required. - May be eligible for Telecommuting.

Role Description As a Loan Originations Specialist, your primary responsibility is to represent First Commonwealth Bank in a positive, professional, and personal manner while performing tasks necessary in being the key support role for preparing and processing Consumer, Business Banking, SBA and Mortgage Loan Documents within the government mandated time frame. - Processes error free loan disclosures in a timely manner. - Communicates with Loan Originations Team, Financial Service Centers (FSC) and Underwriting on pending closing issues. - Examines closed loan files for completeness and accuracy, adheres to lending policy, resolves discrepancies, validates loans updated to core system or applicable interface and organizes files. - Supports the Disbursement of Funds on all closed loans accurately and according to government mandated time frames. - Completes the filing of mortgages for all real estate secured loans with applicable county. - Processes loan maintenance as needed. Qualifications - High School diploma or equivalent is required. - Two (2) years of directly related experience within the Financial Services industry is preferred. - Strong communication and interpersonal skills. - Organizational skills and attention to detail are required. - Proficient reading, writing, and grammar skills. - Analytical and mathematical skills. - Proficient computer skills and ability to learn company utilized systems is required. - May be eligible for Telecommuting. Requirements - Act as key support role in preparing and processing error free loan disclosures within the government mandated time frames. - Examine closed loan files for completeness and accuracy, adhering to lending policy. - Disburse funds on all closed loans accurately, according to government mandated time frames. - Handle routine correspondence, whether by writing or telephoning a response or re-directing matters to proper parties. - Complete the filing of mortgages for all real estate secured loans with applicable county. - Coordinate the inflow of the paper mail in a timely manner. - Handle requests for assistance concerning loan processing and disbursements. - Serve as a liaison between Loan Processing, FSC’s and the Underwriting officers. - Maintain working knowledge of Lending Policy and Government Lending Regulations. - Examine the closing files for adherence to Bank Lending Policy and Lending Regulations.

Role Description Builds and increases the First Commonwealth Mortgage Banking loan portfolio and Mortgage Banking pipeline by attracting retail mortgage customers through leads and sales generation activities as well as working with potential borrowers via telephone. Drives toward results, utilizing proven abilities to successfully inform and educate consumers regarding mortgage loan solutions, resulting in written requests for credit. Has urgency toward goal achievement and thrives in a fast paced environment. Develops and deepens relationships with bank partners, the real estate community, as well as other centers of influence. Builds rapport with borrowers while evaluating their needs and beginning the loan application process. Works closely with Loan Operations staff and facilitates successful underwriting and closing of loans. - Builds and increases the First Commonwealth Mortgage Banking loan portfolio and Mortgage Banking pipeline by attracting retail mortgage customers through leads and sales generation activities. - Drives toward results, utilizing proven abilities to successfully inform and educate consumers regarding mortgage loan solutions. - Receives inbound mortgage related calls forwarded by the Convenience Banking Call Center. - May make outbound calls based on client profiles. - Has urgency toward goal achievement and thrives in a fast paced environment. - Reports on sales activities and pipeline as required. - Develops and deepens relationships with bank partners, the real estate community, as well as other centers of influence. - Performs networking activities through community involvement and attending networking events. - Builds rapport with borrowers while evaluating their needs and beginning the loan application process. - Obtains required information and documentation from borrowers throughout the loan process. - Analyzes and evaluates applicants’ credit and finances in order to provide guidance and make recommendations. - Works closely with Loan Operations staff and facilitates successful underwriting and closing of loans. - Maintains thorough knowledge of lending programs, policies, compliance, procedures, and applicable laws and regulations. - Actively cross-sells First Commonwealth Bank products and services per predetermined goal assignment. Qualifications - Must register and maintain current registration with the National Mortgage Licensing System & Registry (NMLS). - A high school diploma or equivalent is required. An associate’s degree or advanced training is preferred. - A minimum of one (1) year of mortgage origination experience is preferred. - Exceptional time management ability is critical, as are communication and organizational skills. - Must have a valid driver’s license and the ability to travel regionally. - May be eligible for Telecommuting.

Role Description This role is responsible for review of lease/loan documentation and booking for both direct and indirect transactions. Responsibilities include ensuring adherence to policy and procedures, lien perfection, and maintaining the highest standard of quality for our lease/loan documentation. The functions performed by this team are critical to protecting the company from regulatory and credit risks. This position exercises independent judgment, effectively navigates ambiguity, has a willingness to lead projects and takes ownership of tasks with a sense of urgency. - Strives to provide extraordinary client service by exercising the Perfect Client Experience (PCE) - Ensures Service Level Agreements are met with regard to client service for both internal and external clients - Prioritizes reviews in a fast-paced environment to meet stakeholder and client expectations - Reviews documentation for accuracy, alterations, legibility and acceptability per FCEF policies and procedures and conditions stated in the credit and asset management approval memo(s) - Ensures deficiencies are properly resolved - Ensures any/all exceptions are signed off on by manager - Ensures UCCs are timely filed - Ensures required due diligence items have been received and validated including, but not limited to: - Know Your Customer requirements - CDD/BO requirements - OFACs - UCC searches - Ensure subordinations/releases obtained to perfect liens/ownership (including proper motor vehicle title work), if applicable - Proof of insurance - Entity Corporate documents - Assignment documents (purchased transactions only) - UCC-1/UCC-3 preparation - Invoices/Proof of Payment - MSO/Titles - Ensures payment/wire instructions provided by dealer or customer have been verified - Ensures system is updated and coded properly - Verifies required advanced monies have been received and proof in file - Funding approval for transactions less than $300,000 (both direct and indirect) - Completes Booking Process - Transfers contract - Enters/verifies all client/billing and contract information - Ensures all coding is correct - Enters important client notes - Reviews postbook follow up items to ensure issues have been fully cleared / received - Reviews amendment documentation prior to Sales Support Rep sending to client for signature - Reviews/ approves Rewrite documentation prior to submitting to Accounting - Manages initiatives to resolve control gaps and enhance current processes for further efficiency and effectiveness as needed - Review processes and recommends process improvements Qualifications - A Bachelor’s degree in Business (e.g. Business Administration, Finance, Accounting) or equivalent work experience preferred - One (1) year of experience with loan documentation, with demonstrated expertise in due diligence and perfection processes required - Knowledge of loan structures and documentation needs/requirements, loan documentation, collateral, lien perfection, evaluation/review/interpretation of UCC searches and vehicle titling needs and processes preferred - Proficient in typing, knowledge of Microsoft Office software, reading, writing and grammar skills, analytical or mathematical skills, and communications and interpersonal relations - May be eligible for telecommuting