All tax forms will be postmarked by January 31, 2023. You should receive yours no later than February 17, 2023. Contact us after that date if you have not received yours. 


Employment Opportunities

Loan Originator - Niles, MI region
 Job Title: Mortgage Loan Originator  Posting Date: October 5th, 2022


We're seeking a highly-motivated mortgage lending professional to serve our southwest Berrien County market, including Niles, Berrien Springs, Dowagiac, and Buchanan.




Under general supervision, but in line with established policies and procedures, the originator interviews residential mortgage loan applicants, explains the different loan programs available and their requirements, obtains pertinent financial and loan information, and conducts a preliminary analysis to determine if the application meets established minimum criteria.  Reviews the file upon further processing.  Underwrites the loan and forwards it to the mortgage committee for approval.  Counsels delinquent mortgage customers, suggesting solutions and making recommendations to the loan committee. Development of Loan and Business accounts and relationship building.  Depending on the region to which the lender is assigned, performs any combination of the duties outlined below.



Essential Duties and Responsibilities


  • Interviews customers applying for residential mortgage loans. Explains the different financing and mortgage programs and their requirements available through the bank and obtains pertinent financial information from the customer. Analyzes the customer's financial position to determine if the applicant meets minimum loan criteria established by the bank.
  • Informs the customer of the outcome of the preliminary financial analysis and, if acceptable, indicates that the loan will require further processing before it can be recommended to the mortgage committee or, if unacceptable (below established criteria), explains the alternatives, if any, to restructure the loan and meet the lending criteria. Forwards the approved applications for further processing, i.e., ordering credit reports, employment certification, or appraisal reports.  Periodically checks on the status of the application to ensure prompt processing.
  • Reviews the mortgage file after additional documentation has been received and prepares the file for review by the mortgage committee by reconciling income, appraisal value, credit history, or other discrepancies; determines and recommends the terms and conditions of the loan and completes the work sheets for the file. Using authorized authority, signs mortgage loan commitment letter, or makes recommendation to loan committee.
  • Acts as a liaison between branch and main office regarding loan applications.  Follows through with all branch application until closing, obtaining commitment papers, surveys, title insurance, employment verifications, and so on.
  • Conducts closing with buyers, sellers, real estate agents, attorneys, and others.  Reconciles the closing statement and explains figures and charges to appropriate party.  Acquires additional documents, such as insurance papers and power of attorney.  Receives funds for down payment and closing costs, issues receipts, explains all legal documents to all parties, obtains necessary signatures, and distributes all closing proceeds.
  • Review documentation after each closing to ensure the accuracy of all transactions.
  • Disburses construction loan funds after ordering and reviewing the proper documentation, such as construction progress inspection report, sworn statements, and waivers of lien, surveys, and insurance documents.
  • Counsels delinquent mortgage loan customers, seeking solutions to financial problems and making recommendations to the loan committee.
  • Cross-sells bank services for business development and relationship building.
  • Contacts customers and business, community and civic organizations to promote goodwill and generate new business.
  • Employee is required to report suspicious customer or employee activity to the Bank Security Officer as soon as they become aware of the suspicious activity. Failure to report suspicious activity is grounds for termination.
Loan Servicing Representative I — Sturgis, MI
 Job Title: Loan Servicing Representative I Posting Date: October 6th, 2022


This role will perform diversified functions that require decision making and problem solving with minimal direction. Responsibilities include but are not limited to performing escrow analysis, responding to customer service requests, processing tax vendor requests, processing and working exception reports, processing escrow setup and waiver requests and working various escrow reports as well as other duties assigned. The Loan Servicing Representative will be knowledgeable regarding all processing of escrow accounts and will have a dedicated focus on either escrow analysis processes and assist with escrow disbursements and prepare loan payoff statements. Computer skills are essential. Loan Servicing Representative will work independently and must be customer service oriented. Acts as a liaison between the customer and parties involved in transactions. To be successful, should be able to manage clients’ accounts with care and discretion and have good organizational skills.

Essential Duties and Responsibilities

  • Complete loan file maintenance requests
  • Assist in escrow disbursements
  • Prepare loan payoff statements
  • Enter and update client information on the system
  • Prepare Verification of Mortgages
  • Non – post report daily
Personal Banker — Multiple Locations
 Job Title: Personal Banker  Posting Date: November 3rd, 2022


We are currently hiring for this position at multiple locations:

Main Office — Sturgis, MI
Bangor Banking Center — Bangor, MI
Centreville Banking Center — Centreville, MI
Climax Banking Center (Part-time) — Climax, MI
Colon Banking Center — Colon, MI

South Haven Banking Center — South Haven, MI
Sturgis Banking Center — Sturgis, MI
Three Rivers Banking Center — Three Rivers, MI
White Pigeon Banking Center — White Pigeon, MI



The Personal Banker provides exceptional client service, promptly and efficiently processing client transactions and promoting positive public relations. Contributes to the attainment of bank office sales goals and related objectives by promoting the bank’s products and services and by generating leads and referrals. The Personal Banker plays a key role in providing retail banking products and services to existing clients and developing new business opportunities with current and potential clients. 

Client Service:

  • Represent the bank to the client in a courteous, professional manner. Provides prompt, efficient, and accurate service processing client transactions. 
  • Identify unmet needs of current and potential clients and offer appropriate products and services. 
  • Promote and provides information to clients on new and enhanced products and services to improve client relations. 

Transactional Activity:

  • Process clients’ deposits, withdrawals, loan payments, loan and cash advances, cashier’s checks, and wire transfers. Examine checks for endorsement and negotiability. 
  • Assist clients with access to safe deposit boxes, address changes, and travel notifications. 
  • Balance each day’s transactions and verify cash totals for their station. Review work to locate any errors and ensure that all differences are properly initialed and reported to the Universal Banker Supervisor. 
  • Adhere to and comply with all bank policies and procedures, in addition to Federal and State regulations. 
  • Possess knowledge about bank security and emergency procedures (e.g. robbery procedures, extortion, bomb threat, fire, power failure, tornado, take cover procedures).
  • Report suspicious client and employee activity to the Bank Security Officer as soon as they become aware of the activity. 


BSA Compliance Specialist — Sturgis, MI
 Job Title: BSA Compliance Specialist  Posting Date: November 3rd, 2022



Under general supervision, but acting according to established policies, procedures, and strategic plan, performs a variety of BSA/AML duties. This position assists the BSA/AML Officer in ensuring that Sturgis Bank & Trust Company maintains compliance with the laws, rules, and regulations associated with, including but not limited to, the Bank Secrecy Act, the US Patriot Act, and OFAC requirements. It serves a vital risk-management function that protects the company from compliance, operational, legal, and reputational risks. 

Essential Duties and Responsibilities


  • Process the Currency Transaction Reports (CTRs) including transmission to FinCEN
  • Review and identify unusual or suspicious activity as presented in CTS Reports and file Suspicious Activity Investigative Reports (SAIR) if necessary. 
  • Retain accurate records as required by corporate and regulatory policy. 
  • Communicate with branch offices, as needed, in connection with investigation and customer-related issues. 
  • Participate in all internal/external BSA/AML audits and examinations while ensuring no violations of law or repeat findings from previous audits or examinations occur. 
  • Assist the BSA/AML Officer in the annual review of the BSA/AML compliance program including the annual risk assessment review, related forms, training material, etc. 
  • Perform Enhanced Due Diligence (EDD) reviews of all high-risk customers. 
  • Assist with the risk assessment process and risk rating methodology of customers. 
  • Manage the list of accounts & entities identified as high-risk. 
  • Ensure compliance with Customer Identification Policy procedures. 
  • Perform monthly monitoring of the Wire (Funds Transfer) database for suspicious activity by searching for patterns reviewed by beneficiary name, originating name, and transaction date. 
  • Perform monthly investigations of the OFAC Reporting Modules (ORM) suspect matches report. 
  • Maintain the Exempt Persons files in coordination with branches annual review. 
  • Demonstrate the ability to provide leadership, motivating and persuading other to address compliance risk without having actual authority over them. 


To perform this job successfully, an individual must be knowledgeable and/or able to learn company products, services, and related information to perform each essential duty satisfactorily. Individual must have basic knowledge of BSA/AML regulations. Individual must possess excellent analytical skills with the ability to interpret information, research problems, and suggest appropriate solutions. Reasonable accommodations made be made to enable individuals with disabilities to perform the essential functions. 

Education and/or Experience

Associates degree preferred; 2+ years banking experience; or equivalent combination of education and experience. 


Customer Support Agent - Sturgis, MI
 Job Title: Customer Support Agent  Posting Date: November 8th, 2022



Provides high quality customer service to clients via telephone, responding to both internal and external customers, and assists with customer needs and problem resolution. Actively listens to, troubleshoots, and resolves customer problems and concerns.  Responsible for identifying and escalating customer issues to the appropriate bank department, as well as executing banking transactions and cross-selling products or special promotions.

Essential Duties and Responsibilities 

  • Receive inbound calls from both internal and external customers.
  • Represent the bank to the customer in a courteous, professional manner, and provide the customer with prompt, efficient and accurate service.
  • Ensure that all callers’ needs are met and handled appropriately during initial contact.
  • Answer questions about the bank’s products, services, and the company.
  • Assist customers with technical issues experienced with on the bank website and mobile banking.
  • Answer customer questions and solve problems for customers and branch staff.
  • Listen to problems, collect data, secure answers, and report results to interested individuals.
  • Learn and maintains a vast amount of knowledge pertaining to products, procedures, and policies.
  • Make effective recommendations to customers to resolve initial and additional needs. 
  • Explain products and services to new and existing customers and the potential value added.
  • Perform account maintenance activities.
  • Effectively work individually and in a team 
  • Develop customer rapport and discover customer needs.
  • Complete monthly compliance training
  • Understand all laws and regulations that apply and comply with requirements.
  • Keep records of all conversations in the bank’s call center database.
  • Perform all other related duties as assigned.
  • Report suspicious customer or employee activity to the Bank Security Officer as soon as they become aware of the suspicious activity. Failure to report suspicious activity is grounds for termination.

Knowledge, Skills, and Abilities

  • Solid phone and verbal communication skills
  • Excellent listening skills and the ability to ask probing questions, understand concerns, and overcome objections.
  • Must possess a professional and friendly attitude and be able to quickly develop rapport with customers over the phone.
  • Ability to learn and navigate new software quickly.
  • Must have the ability to understand oral and written instructions.
  • Should have the knowledge and ability to use office equipment such as telephone, computer, calculator, and fax.
  • Strong problem-solving ability
  • Strong organizational and time management skills to perform multiple tasks within a limited time frame.


  • Prior sales or call center background a plus
  • 1+ year of previous banking experience preferred
  • Excellent communication skills, within a phone-based environment
  • Bilingual speaking a plus
Security/Fraud Specialist - Sturgis, MI
 Job Title: Security/Fraud Specialist  Posting Date: January 16th, 2023



The primary purpose of this position is to detect, prevent, investigate and recover financial fraud and
physical security by performing detailed monitoring of client and account activity while ensuring
compliance with regulatory and operational policies.


Essential Duties and Responsibilities

  • Review, analyze and investigate real-time and periodic fraud alerts for multiple payment
    channels including deposit, check, ACH and wire transfer
  • Review, analyze and monitor daily reports to detect fraudulent activity for multiple payment
    channels including, but not limited to, card, deposit, check, ACH, wire transfer and online
    banking activity
  • Use internal and external resources to obtain evidence for investigative purposes when
    reviewing fraud detection reports or investigating cases
  • Interacts with internal and external clients to verify suspected fraudulent activity
  • Responsible for documenting research findings and actions on cases
  • Acts as coordinator between stakeholders when fraud is identified
  • Maintains a high level of confidentiality when compiling investigative information and
    escalating issues
  • Perform general account handling functions such as holds and restrictions, effectively in a
    manner that prevents fraud while minimizing negative customer impact
  • Develop and prepare reports to provide management with accurate records of fraudulent
    activity that may include fraud by channel, potential losses for client or Bank, and recoveries
  •  Liaising with victims of fraud, police, and court officials when needed
  • Other duties as assigned


Skills and Abilities Required

  • Strong analytical skills with the ability to collect, organize and analyze significant amounts of
    information with attention to detail and accuracy
  • Ability to manage time and prioritize requests and projects to meet deadlines
  • Flexibility and adaptability to adjust to changing project needs in evolving situations
  • Ability to clearly communicate complex situations or ideas
  • Familiar with general banking operations, laws and regulations, including, but not limited to,
    Regulation E, CC, GG, V, the FCRA, FACT Act (including red flags), Bank Secrecy Act, NACHA,
    Visa Operating Rules, and the Banks policies.
  • Working knowledge of financial and banking terminology
Personal Banker II - Marshall, MI
 Job Title: Personal Banker II  Posting Date: January 17th, 2023


We are currently hiring for this position at our Marshall, MI location. 


Under the supervision of the Branch Manager/Branch Administrator, but acting according to established policies and procedures, Personal Bankers are expected to provide excellent client service, ensuring that client needs are met and have a strong desire to direct clients to Products and Services that will help minimize client’s financial pressures. Personal Bankers II are expected to build a professional relationship through rapport and listening to the financial needs of the client. Such services will include activities as Deposit account activities, opening new accounts, handling IRA/Roth retirement accounts, cross-selling bank services, and maintaining account records.  

Essential Duties and Responsibilities:

  • Adheres to and complies with all Bank policies and procedures, and Federal and State regulations.

  • Represents the bank to the clients in a courteous, professional manner

  • Provide prompt, efficient, and accurate service when processing transactions. Transactions include, but are not limited to, deposits, withdrawals, loan draws, loan payments, cashier’s check purchases and Safe Deposit Box payments.

  • May be responsible to ensure that the night depository bags are checked, and proper information is recorded 

  • May be responsible to ensure that the ATM balances and recorded 

  • Responsible for balancing each day’s transactions and verifying cash totals for his/her station. Reviews work to locate any differences and ensure that all differences are properly initialed and reported to the Branch Manager

  • Work with the Deposit Operations department when needed.

  • Answers client questions and provide solutions

  • Identify and inform clients of the account status discrepancies and disputes and provide options to resolve. Verify the accuracy of client information within Navigator i.e., driver’s license, contact information and client address.

  • Troubleshoot issues with debit cards, online banking & account issues.

  • Provides assistance in opening and closing procedures of the branch office.

  • Open new accounts and perform account maintenance 

  • Actively listen to clients to uncover needs and offer solutions that minimize financial pressures

  • Responsible for the communication with the appropriate source and follow-up to ensure customer satisfaction when referrals are made/received

  • Possesses knowledge about bank security and emergency procedures (Robbery procedures, extortion/bomb threat, fire, power failure and tornado/take cover procedures)

  • Required to attend weekly Frontline meetings or that the recording is watched

  • Responsible for reporting suspicious customer or employee activity immediately to the Bank Security Officer.  Failure to report suspicious activity is grounds for termination. 

How To Apply For A Position

To apply for an open position, you may print an application online or contact our Human Resource Department at (269) 659-6632.

Please submit your application and resume to Emily Frohriep, Vice President Human Resources. For your convenience, you may submit your application & resume using our secure document upload page.

Sturgis Bank Employment Application

Protect Yourself

To upload click the Submit Resume button below, complete the web submission form, attach your documents and submit securely to Sturgis Bank.

Submit Resume