Career Opportunities

Working at Ulster Savings Bank

At Ulster Savings Bank, you’ll be part of an enthusiastic team of people where we believe in working closely together for the benefit of our customers, communities, and each other. When you add this to an environment that allows skills and experience to bring forth growth and change, you’ll find plenty of room to grow professionally. We offer an excellent benefit package, including paid time off, paid holidays, medical, dental and vision insurance, matching 401k plan, and educational assistance. Final candidates are subject to a pre-employment background check, which will include, but is not limited to credit history. 

Current Positions Available

Commercial Credit Analyst

Commercial Credit Analyst will be responsible for new and existing commercial real estate loans, lines of credit and other commercial credit exposure, which is based upon credit data, public records, industry and market data and financial statements of businesses and individuals to determine the degree of risk involved in extending credit. The selected candidate will prepare reports with this data making recommendations on quantitative and qualitative basis regarding credit and risk rating assessment in accordance with Ulster Savings Bank’s lending policy and procedure, as well as identifying potential or existing credit problems to assist senior management in the decision-making process. The Credit Analyst will also utilize this information to analyze existing loans in the bank’s portfolio for credit worthiness and risk assessment. $2,500.00 Sign-On BONUS!

Essential Requirements:

  • Bachelor's degree in Business, Finance, Accounting, or related field
  • 1-3 years experience analyzing commercial loans including CRE, C&I, and SBA loans
  • Experience analyzing commercial loan deals ranging from $2.5MM to $5MM

Essential Duties and Responsibilities:

  • Prepare detailed credit analyses; analyzing short and long term data
  • Make recommendations on the granting or denying of loans and provided supporting documents.
  • Spread financial statements and analyze loan applications
  • Provide thorough documentation of all financial analysis work, as well as collateral analysis
  • Maintain credit file information in bank systems
  • Perform appraise and annual reviews and assist with external loan review and bank examiners
  • Present loan analysis to Ulster Savings Board of Trustees
  • Collaborate with credit analyst staff, as well as aid business development officers, lenders, and administrative assistants
  • Any other duties management may assign
Apply for Commercial Credit Analyst

Community Mortgage Specialist

Ulster Savings Bank is looking for a Community Mortgage Specialist to originate on behalf of the Bank! The selected candidate will originate, within their assigned territory, residential mortgage loans to be made by the Bank in connection with purchase and refinancing of owner-occupied or non-owner occupied one to four family residential dwellings, except cooperative residences, and originate mortgage applications for home improvement and home equity lending. The representative will spend a minimum of 50% of their time working with and educating local nonprofits and community groups. Candidate must have the ability to interpret government regulations and mortgage loan documents, a minimum of three (3) years of prior experience, must be registered with the NMLS, must adhere to the requirements of the SAFE Act. Additionally, candidates must have the ability to work independently and prospect for new business within the market area, therefore, the ability to travel is essential. Bilingual is a requirement (Spanish.)

Apply for Community Mortgage Specialist

Inside Mortgage Specialist

We are currently seeking an Inside Mortgage Specialist to originate on behalf of Ulster Savings Bank within the banks’ lending area! Residential mortgage loans are to be made by the Bank in connection with purchase and refinancing of owner-occupied or non-owner occupied one-to-four family residential dwellings, except cooperative residences. In additional, the selected candidate will originate mortgage applications for home improvement and home equity lending, while soliciting other types of proposed loans as may be authorized in writing from time to time by the Bank. The selected candidate will cross-sell Bank’s subsidiary products, advise loan customers about the risks and benefits of various loan program alternatives as a result of the financial information the customer has provided, make outbound calls and receive incoming calls with potential clients, collect and analyze information regarding the borrower’s income, assets, investments, and debts. The selected candidate must have three (3) years of prior sales experience and must adhere to the requirements of the SAFE Act.

Apply for Inside Mortgage Specialist

Licensed Financial Representative

Ulster Savings Bank is currently seeking a Licensed Financial Representative to our growing Financial Services Department. A successful candidate will have at least two years’ worth of experience and their Series 6/7, 63, 65 & Life Insurance Licenses. The Licensed Financial Representative’s responsibilities include but are not limited to, generating annual gross commissions, scheduling new appointments every week, continually prospect new lead streams from inside and outside the organization, the ability to travel and work independently, ability to analyze data and exercise discretion and judgment in making decisions which affect the Bank and its subsidiaries, and identify potential new cross-sell for other bank products. Cetera background check is required.

Apply for Licensed Financial Representative

Mortgage Specialist

Ulster Savings Bank is actively seeking a highly motivated Mortgage Specialist for the Ulster County area. You will work within our communities to help borrowers through the mortgage process. Mortgage sales experience is required with a valid NMLS and Driver's License. Apply today to join our exciting and growing sales team.

Apply for Mortgage Specialist


If you’re seeking career opportunities, then make Ulster Savings Bank your first choice!

Ulster Savings Bank offers a comprehensive benefit package to both part time and full time employees. The following is a list of some of the benefits that may be available to employees:

  • Medical Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • 401(k) with Employer Match Program
  • Educational Benefits - Tuition Assistance
  • Pet Health Care
  • Gym Membership Reimbursement
  • Student Loan Assistance
  • Flexible Spending Accounts
  • Paid Time Off
  • Paid Holidays
  • Bereavement Time
  • Employee Assistance Program
  • Short and Long Term Disability
  • Family Medical Leave
  • Military Leave
  • NYS Disability
  • NYS Paid Family Leave

Enjoy other perks of working with US such as a festive night out at our Annual Spring Gala, take part in our Community Service Program, and enjoy our Employee Pancake Breakfasts and Annual Barbecue!

Resume Submission Form

Thank you for your interest in working with us. Please check above for available job opportunities that meet your criteria and attach your resume to the completed Resume Submission Form.

Frequently Asked Questions (FAQs)

If you're seeking career opportunities, then make Ulster Savings Bank your first choice.

General FAQs

Please check out the postings on our employment page. Some positions may require a license, years of experience, knowledge of a computer program, etc. The qualifications needed to apply for a particular open position vary, and are listed in each posting.

No. We are currently only taking applications for positions that are listed as open on our website. To view these openings, please click here. If you are interested in a position that is not listed as open, please contact our Human Resources Department directly. We can advise you on how to proceed according to your specific situation.

Once we receive your resume for consideration, we may contact you to schedule an interview which may include skills testing.

To find out the status of your application, please call 1-845-338-6322 or you can email

Yes, we will contact you in writing that the position has been filled.

No. You only need to have one application on file with USB. If you already have an active or inactive application on file with US and would like to apply for another position, please call our Human Resources Department at 845-338-6322, ext. 3289.

Ulster Savings Bank is an  Equal Opportunity/Affirmative Action Employer.
All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability or protected veteran status, and any other basis protected by applicable local, state, or federal law or Executive Orders.

24/7 Debit Card Support: 866-440-0392
Calls from 800-262-2024 are from our fraud monitoring provider Enfact.
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