First Commonwealth Bank

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

Role Description Responsibilities include but are not limited to: - Coordinating the closing process for Attorney prepared loans. - Managing and maintaining loan closing schedule. - Reviewing Attorney prepared loan documentation in conjunction with Lenders, Portfolio Managers, internal legal Counsel, and borrower’s Counsel to ensure loan documentation adheres to Bank’s requirements and approved structure. - Providing support to the Attorney Prepared loan documentation team by completing miscellaneous tasks as needed. Essential Job Responsibilities: - Coordinates the Attorney prepared loan closing process by acting as a go-between the Attorney Prepared Loan Documentation team and Commercial Lending teams on loan closings to ensure all items needed for closings are received so that loans can be funded and uploaded accurately and timely. - Create internal invoices for clients. - Organizes final documentation package to ensure all required documents have been received. - Manage and maintain loan closing calendar. - Work with LP team leader to assign loans. - Ensure all loan workflows are assigned in a timely manner. - Prepares and updates closing checklists as needed. - Provides support to the AP documentation team by completing: - Short Term extension waivers. - Service Events. - Amortization Schedules. - Reviews Attorney prepared loan documents to make sure Bank’s required conditions are included and documents match terms and conditions outlined in Credit Approval. - Ensures loan documents adhere to the underwriting and loan policy standards of the Bank. - Acts as a backup to perform other closing functions on an as-needed basis. - Completes reports, research, and projects upon request. - Maintains a working knowledge of bank operating policies and procedures. Qualifications - A bachelor’s degree in accounting or business-related field and/or two (2) years of equivalent experience required. - A minimum of two (2) years’ experience with Attorney prepared loan documents is desired. - A strong understanding of loan structures and financial statements is required. - A working knowledge of bank operating policies, procedures, and knowledge of compliance regulations related to the position is required. - Proficient reading, writing, grammar, analytical, mathematical, communication, and interpersonal skills are required. - Strong computer skills are necessary. Proficiency with MS Excel and MS Word is necessary. - May be eligible for Telecommuting.

Role Description The Special Assets Department is a vital part of the Bank’s daily operations. As a Borrower Assistant Representative, you will engage with borrowers to work towards a resolution of debt repayment. Use a consultative approach to offer alternate courses of action and/or methods of recovery acceptable under terms of loan contracts. Perform assignments and special projects necessary to support the collection and recovery efforts on past-due accounts. Initiate contact with clients via telephone, letter, and other forms of communication as needed. Must take detailed notes and enter system codes in the Collection System of all actions taken. - Performs tasks necessary to support the collection and recovery efforts on past-due consumer loans, Direct Installment Loans, Indirect Installment, Charge Cards, Mortgages, HEL, and Personal Credit Lines accounts. - Uses Collection System to determine priority of assigned delinquent loans and works to maintain a satisfactory percentage of past-due accounts. - Locates and contacts delinquent borrowers in order to secure payments and bring accounts to current status; tactfully probes for information leading to the location of the client and collateral, if appropriate. - Initiates contact with clients via telephone, letter, and other forms of communication as needed and enters detailed notes and system codes in the Collection System of all actions taken. - Establishes and maintains records relating to delinquent loan accounts and updates files to indicate the date(s) payment(s) received. - Evaluates clients’ financial strength and capacity to repay outstanding debt. - Works with borrowers toward resolution, offers alternate courses of action and/or uses methods of recovery acceptable under terms of loan contracts. - Reviews bank records and transactions to resolve misapplied payments, researches to ensure payments are properly credited, evaluates regular and irregular payments to determine how to apply, i.e., principal, interest, escrow, and/or late fees. - Contributes to the bank’s growth and client satisfaction by helping clients resolve problems with their banking transactions. - Informs clients of amount due, disposition of assets, and any further obligation. - Works with Department Manager prior to charge-off, making specific recommendations, in order to develop a plan to minimize loan loss, which could include reduced future payments. - Acquires and maintains knowledge of regulations affecting the recovery function, such as Fair Debt Collection Practices Act, as well as bank products and their benefits. Qualifications - High School diploma or equivalent required. - A minimum of one (1) year related experience required. - Strong communication, interpersonal, computer, analytical, and mathematical skills required. - Must acquire and maintain knowledge of current resource recovery laws and regulations, such as Fair Debt Collection Practices Act. - Ability to wear hands-free telephone headset.

Role Description This position has the primary responsibility to manage and maintain the loan closing process by collecting and analyzing loan information. The goal is to provide a great client experience by producing error-free due diligence and documentation up to $1,500,000. Responsibilities include ensuring adherence to policy and procedures and maintaining the highest standard of quality for our loan documentation. These functions performed by this team are critical to protecting the company from regulatory and credit risks. - Works directly with the Account Officer to provide expertise in discussions with the client regarding information and procedures for a timely loan closing. - Serves as the primary contact in engaging Title Companies including ongoing communication to provide an excellent customer experience. - Reviews approvals generated by the financial solutions and Commercial Solutions units utilizing the Underwriting System. - Independently reviews the supporting documentation to accurately determine the required due diligence. - Ensures proper documentation is collected and prepares error-free loan documents. - Establishes ticklers for critical dates, collects outstanding legal documents, and facilitates resolutions including responding to exception reporting. - Works with Underwriters, the Sales Force, external Clients, and external vendors including closing agents, title companies, and attorneys to provide a complete Underwriting package. - Works closely with the Account Officer, Underwriting, and Portfolio Management to ensure that policy and procedures are followed in each transaction. Qualifications - Associates Degree with a minimum of a High School diploma. - Equivalent experience with a minimum of two (2) years of related experience within a financial industry or Paralegal experience is required. - Proficient in typing, knowledge of Microsoft Office software, reading, writing and grammar skills, analytical or mathematical skills, and communications and interpersonal relations. - Knowledge of compliance regulations related to the position is preferred. - Strong organizational skills and attention to detail are also required. - May be eligible for telecommuting. Requirements - Manages/controls the entire due diligence process for all decisioned loans. - Assists the Account Officer in managing the due diligence and closing process. - Reviews that all due diligence complies with the terms, conditions, position of collateral, etc. of the loan approval. - Responsible for the entire due diligence and closing process up to $1,500,000 in aggregation. - Key employee to drive the closing process by working with Underwriters, Financial Solutions Center Managers, and Business Solutions Specialists (BSSs). - Coordinates loan closings by preparing required pre-closing documents and coordinating necessary internal documents. - Ensures Service Level Agreements are met with regard to client service for both internal and external clients. - Establishes ticklers for critical dates, outstanding documents, and facilitates resolution including responding to exception reporting. - Prepares and reviews loan packages and ensures all deficiencies have been resolved. - Prioritizes workflow in a fast-paced environment to meet client expectations. - Reviews data entry in the underwriting system to ensure error-free documentation and upload processes. - Utilizes Laserpro to produce error-free Loan Documentation with an expectation of a <1% error rate. - Demonstrates the ability to prepare documentation for all loan types. - Processes Turndown and Withdrawn loans as well as prepares declination letters as needed. - Strives to provide extraordinary customer experience by controlling and efficiently advancing the loan through the workflow from decision to booking. - Monitors adherence to bank policies and procedures within the operations area. - Provides coaching to the branch staff as needed on loan concerns within the operations area of responsibility. - Provides operational support throughout the loan process to the department manager, operations manager, underwriters, portfolio managers, and internal clients of the department. Benefits

Role Description Recruits, trains, develops, and manages a team of Mortgage Loan Officers. Spearheads initiatives to build and increase 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, resulting in written requests for credit. Has urgency toward individual and group 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 Mortgage Market Manager and Mortgage Banking Executive, Loan Operations staff and facilitates successful underwriting and closing of loans. Essential Job Responsibilities - Recruits, trains, develops, and manages a team of Mortgage Loan Officers as assigned by Mortgage Market Manager or the Mortgage Banking Executive. - Spearheads initiatives to build and increase 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, resulting in written requests for credit. - Has urgency toward individual and group 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. - 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 Mortgage Market Manager, Mortgage Banking Executive and Loan Operations staff and facilitates successful underwriting and closing of loans. - Participates in all required Mortgage Management meetings and facilitates team sales and pipeline meetings. - 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 and directs team in cross-selling goals by originator. 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 five (5) years of mortgage sales management experience and/or sales management experience is required. - Exceptional time management skills are critical in order to balance management and loan origination responsibilities. - Communication and organizational skills and the ability to motivate a team are essential. - Must have a valid driver’s license and the ability to travel regionally. - 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. 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). - May be eligible for telecommuting. Requirements - 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/orders 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. Benefits

Role Description Candidate must reside in PA or OH to be considered. Position requires ongoing interaction with internal clients, the Federal Reserve, and correspondent banks to ensure First Commonwealth maintains established reserve, while monitoring coin and currency information, wire transfers, and international transactions. - Monitors all monetary transactions with the Federal Reserve and correspondent banks by utilizing Fedline Advantage, the Federal Reserve’s Internet based platform, as needed to send and receive wire and book entry security transfers, send and receive other information relating to activity in our account at the Federal Reserve, maintain established reserves or required balances and to comply with daylight overdraft rules. - Enters domestic and international wires for internal departments and clients using bank software. Complies with all policies and procedures related to wire entry and processing. - Gathers daily statement information relating to transactions and our accounts with the Federal Reserve and correspondent banks using various electronic means. - Identifies and makes decisions relating to errors or omissions and reporting, and/or external activity reporting, where to purchase funds, appropriate balance, wire instruction format, security transfer format and understands the consequences to First Commonwealth and correspondent banks. - Interacts with internal departments, the Federal Reserve, and/or correspondent banks to determine and monitor daily check letter activity and to gather information and/or resolve problems relating to today’s activity in our accounts. - Prepares and posts online entries to general ledger accounts. - Maintains backup of daily transactions and organizes hard copies of documents and prepares them for long-term storage. - Determines the bank’s overnight funding needs using spreadsheet software such as Excel and processes them through the bank’s Fed Funds providers using the telephone and Fedline. - Monitors movement of securities into and out of the Federal Reserve Safekeeping Accounts. - Utilizes Fedline, the Federal Reserve’s electronic access platform, as needed to send and receive wire and book entry security transfers and to send and receive other information relating to our account at the Federal Reserve. - Utilizes Fedline for the WEB extensively to send and receive various information such as coin and currency transactions, reserve requirement positions, and to monitor our account balance at the Federal Reserve throughout the day. - Monitors collateral balance in the bank’s Treasury Tax and Loan Note account. - Works closely with community offices, banking services, and other internal departments as needed. Qualifications - High school diploma or equivalent and a minimum of one (1) year experience in a related position are required. - An above average initiative, analytical and problem solving abilities and an understanding of accounting principles is necessary. - Proficient computer skills, including Microsoft Word and Excel. - Proficient reading, writing, and grammar skills; proficient analytical and mathematical skills; proficient communicative and interpersonal relations skills. - May be eligible for Telecommuting.

Handles incoming service calls from clients, or potential clients, having questions regarding their current account relationships or seeking information about additional products and services. Completes client follow up resulting from inbound calls such as account maintenance, records research, and follow up on information requests. Makes outbound non-sales calls to support various departmental and company initiatives. Initiates client conversations to determine and appropriately address client financial needs, actively seeking sales referrals of the broad range of financial services and accounts offered by the bank and its affiliates. Maintains current and detailed knowledge of all bank products and services, as well as a working knowledge of non-bank services, such as brokerage and insurance, in order to effectively promote and refer these products. Essential Job Responsibilities__________________________________ 1. Handles incoming service calls from customers including but not limited to: a. existing deposit and loan account inquiries , b. account maintenance requests, including name and address changes c. Online Banking and Mobile Banking access issues and inquiries, d. Online BillPay and Mobile Deposit inquiries, e. debit card transaction inquiries, hot cards, replacements, and new card account opening f. details on rates and promotional offerings , g. general “switchboard” type transfers to other employees, departments h. calls transferred from the integrated voice response system 2. 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). 3. Makes outbound client service and support calls. 4. Initiates and actively participates in client conversations to determine and appropriately address client needs. 5. Actively seeks financial products and services referrals. Maintains current and detailed knowledge of all bank products and services, as well as a working knowledge of non-bank services, such as brokerage and insurance, in order to effectively promote and refer these products. 6. Participates in several departmental sales contests per year in support of sales referral goals. 7. Maintains a sense of urgency when handling phone inquiries, client follow up, and other daily activities, focusing on providing clients with the most effective and timely service possible. Ensures that the established Quality Service Goals are personally achieved on a consistent basis. 8. Completes all self-education assignments in a timely manner (i.e. online compliance training, supervisor-assigned readings/exercises). 9. Productively utilizes non-phone time to review e-mail, read Insite articles, review procedural updates, and access any Insite resources available to enhance job knowledge. Bona Fide Occupational Qualifications___________________________ 1. High school diploma or equivalent is required. 2. Exceptional customer services skills and excellent interpersonal and communication skills, and a professional manner are required. 3. Proficient computer skills and ability to learn company utilized systems is required. 4. Ability to work day, evening, and weekend hours, with possible shift changes, is required. 5. May be eligible for Telecommuting.

Role Description Maintain the integrity and quality of CD's, IRA's, HSA's and Club accounts through processing requests for CD renewals, rate requests, transfer requests and other miscellaneous updates provided from the Financial Solution Centers. Knowledge of CD and IRA products is preferred. Essential Job Responsibilities - Review and analyze daily Time Deposit and HSA Reports for processing accuracy. - Daily verification of rate input to prevent client impact from incorrect rate maintenance. - Maintain CD, IRA, HSA and Club accounts per departmental procedures and within IRS Regulations. - Research various system and input problems. - Participate in various year-round system testing and upgrades. - Comply with regulations and laws relating to the function of the position. - Respond to inquiries relating to his/her particular area, or to the requests from customers, other bank personnel, etc., within given time frames and within established policy. - Support the organization’s commitment to ongoing quality service enhancement by participating in multi-disciplined guidance and project teams, as appropriate. - Abide by current laws and organizational policies and procedures designed and implemented to promote an environment free of harassment and other forms of illegal discriminatory behavior in the workplace. - Conduct all business affairs, both personally and as a representative of the organization according to the high ethical and professional standards established by FCFC and the banking affiliate Board of Directors, and according to the approved Conflict of Interest/Business Ethics Policy. - Cooperate with, participate in, and support adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness. - Cooperate with, participate in, and support the company’s compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc. - Assume responsibility for assisting in his/her professional development; adhere to the guidelines and targets established within his/her Performance Assessments. - Coordinate specific work tasks with other personnel within the unit or department as well as with other units and departments in order to ensure the smooth and efficient flow of information. - Other job-related duties as assigned or directed. Qualifications - High school diploma or equivalent required. Experience in 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. - Ability to comply with established budgets and operate within budgetary constraints. - May be eligible for Telecommuting.