We are looking for an Executive Recruiter for our Granville location.

Something About Us:

York & Associates is a niche executive recruiting firm that, in the past few decades, has grown to become the top recruiting firm in the finance industry. We’ve recently been recognized as one of the fastest growing businesses in Ohio and as one of the top places to work in the Columbus area. We didn’t get here by accident -finding great talent is what we do. Over the years, we have assembled a superstar team of recruiters that are committed to providing the absolute best service in the industry -and now we’re looking to expand again!

Responsibilities:

As a recruiter for York & Associates, you will be responsible for building strong relationships with both candidates and our clients. You will present exciting opportunities to those candidates and bring the best talent to our clients. To be successful, you’ll need to invest a lot of time and thought into understanding the needs of both parties. We also maintain an extensive network of candidates that you will be expected to help maintain and extend.

To be considered, you must possess:

• Strong communication skills
• The moxie to pursue difficult projects
• The tenacity to see those projects through to completion
• Problem solving skills
• An uncommon work ethic
• And a sense of humor is a plus

We offer:

• A Base salary combined with generous commissions
• A matching 401k program
• Medical Insurance
• A profit-sharing program
• The opportunity to interact with C-level executives (CEO, CFO, COO, etc.)
• Co-workers that truly enjoy working as a team

Sure, those all sound like nice perks but what do they really mean for you?

To give you an idea, the average recruiter will earn well over $100,000 this year and, through our profit-sharing and matching 401k programs, has accumulated a retirement account of over  $200,000 in the last 10 years.

If this sounds like the career for you, please don’t hesitate to call us at 1-888-368-9675 (you’re looking for a job as a recruiter, not an accountant -we want to hear from you!)  Make sure to send us your resume at rd@yabanker.com and check out our website at www.yabanker.com.

SBA Senior Closing Specialist
CATEGORY SBA
This position reports to the SBA Closing Manager and will perform a variety of SBA loan processing and closing functions, ensuring quality loan documentation, adherence to banking regulations, the SBA Standard Operating Procedures, Bank Loan Policy, and Bank Standard Operating Procedures. Individuals in this position will serve as a subject matter expert and manages a larger, more complex SBA loan pipeline.

In this role, you will have an opportunity to partner with team members and key stakeholders to:

Ensuring Bank SBA 7(a) loans are processed and closed compliant with State and Federal laws and regulations as well as the published SBA SOP.
Actively managing the SBA loan pipeline and meeting critical closing dates.
Preparing and communicating a list of closing needs and requirements for the customer, including applicable forms. Working with borrower, brokers, Bank staff, and attorneys to assist the customer through the closing process.
Ordering, engaging, collecting, and reviewing closing documentation such as, but not limited to entity documents, site inspections, title searches, insurance coverages, collateral descriptions, UCC searches, invoices, bill of sales, etc.
Coordinating the loan closing and loan disbursement(s) with the customer, escrow agent, and/or legal counsel.
This is a full-time salaried exempt position, averaging approximately 40 hours/week. Schedule may vary by time zone, Monday through Friday.

This position is remote eligible. Individuals may choose to work from a designated home office space or may choose to work onsite at any  branch location in Wisconsin and Michigan.

Our recommended and preferred qualifications are:

Degree from four-year college or university and a minimum of 5-10 years of SBA closing experience is desired.
Individuals in this position should possess advanced knowledge of lending principles and SBA 7(a) lending, and a solid understanding of legal documents.
NAGGL Certification preferred.
We are constantly evaluating and improving our benefits. In fact, eligible employees receive over 30 days off per calendar year! That includes 18 days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness Holiday, and 12 observed Bank Holidays.

 JOB SUMMARY

 Among other duties, the Chief Risk Officer develops and implements an enterprise-wide risk management program, encompassing Loan Review, Internal Audit, Loss Prevention, Fraud, Operational Risk, Regulatory Compliance, Information Security, Business Continuity, Disaster Recovery, CRA, SOX and BSA/AML/OFAC.

ESSENTIAL DUTIES

 The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.

.Develops and implements an enterprise-wide risk management program, encompassing Loan Review, Internal Audit, Loss Prevention, Fraud, Operational Risk, Regulatory Compliance, Information Security, Business Continuity, Disaster Recovery, CRA, SOX and BSA/AML/OFAC

• Consults with the Board of Directors and Executive Management in establishing a COSO-based risk management program consisting of effective controls, risk mitigation, compliance policies, processes and methods necessary to assess business unit risk profiles and the Bank’s overall risk profile
• Measures and monitors risk through development and implementation of specific in-house risk adjusted performance measurement systems such as Probabilities of Default, Loss Given Default, Exposure at Default and other Basel guidance, as required
• Provides independent and objective risk assessment reports and recommendations to the Board of Directors and Executive Management regarding operating and financial performance
• Manages the hiring, daily activities, coaching, evaluating and counseling of reporting staff
• Participates in job specific training and other various Bank training programs, as necessary
• Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy, and ensures adherence by the respective department personnel
• Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations, and ensures adherence by the respective department personnel
• Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML, and ensures adherence by the respective department personnel
• QUALIFICATIONS

 These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

 A self-starting team player with a Bachelor’s degree from an accredited college or university in business, finance or economics and ten years of relevant risk management experience in the banking and finance sectors, including working experience in lending, managing interest rate risk, liquidity, credit, regulatory and operational risk and general financial management

• PC literacy and knowledge of spreadsheet and word processing software
• Flexibility, professionalism and ability to work in a highly stressful environment to perform a variety of tasks with numerous interruptions
• Attention to detail and a high degree of mental concentration, as well as the ability to multitask
• Good organizational, interpersonal and communications skills
• Bilingual in English and Spanish is desired
• ORGANIZATION

 This position reports to the Chief Executive Officer

• This position oversees the Bank’s Risk Management division
• TRAINING REQUIREMENTS

All employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federal banking laws and regulations, including internal bank policies and procedures.

COMMUNITY INVOLVEMENT

 The Bank’s Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity. All employees are encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.

Commercial Relationship Manager

Job Summary: Principal responsibilities are to develop new business and manage commercial relationships. Promotes an environment of teamwork within the department and across the bank. Represents the Bank in all they do in the community and is focused on the development of new business relationships.  Must maintain strict standards of confidentiality and perform duties in a manner supporting the bank’s character qualities.

Essential Functions:

• All expectations described in the job description’s essential functions are necessary to be successful in this role, performed with or without a reasonable accommodation.
• Manage a moderate sized loan portfolio relative to the size of the market and other lenders in the market.
• Market and originate loans and business deposit products and Treasury Management services to businesses.
• Administer a portfolio of loans originated maintaining asset quality and conducting appropriate collection efforts.
• Refer prospects to Wealth Management.
• Lending authority will be commensurate with lending experience.
• May have some supervisory responsibilities for Commercial Lenders or Commercial Bank Representatives.

Education and Experience:  The position requires a college degree in business, preferably a major in finance, accounting, or economics. Experience of 5-10 years of lending and managing relationships is required.

Required Skills and Knowledge:  Skills required are financial analysis, sales, relationship management and involvement in community activities, along with good communication skills, verbal and written. The person in this position should be able to interview the customer and structure moderately complex loans with moderate supervision. Basic computer skills for spreadsheet preparation, word processing, and power point presentations. Knowledge of business and personal deposit, treasury management, and loan products including SBA requirements are required.

Required Licenses and/or Certifications:  Nationwide Mortgage Lending System Registered or ability to meet qualifications for registration.

JOB SUMMARY

 The Information Security Officer the Bank’s enterprise Information Technology Security initiatives, and identifies vulnerabilities and performs risk assessments on the Bank’s IT function.

ESSENTIAL DUTIES

 The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.

 Develops, maintains and documents IT security programs according to regulatory compliance requirements

• Manages the preparation of the Information Technology Systems Security portion of the Bank’s audits and examinations
• Oversees the management of the IT Security Administrators
• Establishes and promotes information security awareness training
• Manages the hiring, daily activities, coaching, evaluating and counseling of reporting staff
• Participates in job specific training and other various Bank training programs, as necessary
• Maintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policy, and ensures adherence by the respective department personnel
• Maintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operations, and ensures adherence by the respective department personnel
• Maintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AML, and ensures adherence by the respective department personnel

QUALIFICATIONS

 These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

 Bachelor’s degree in Computer Information Systems or a related field

• Five years of banking experience, including three years of experience in information systems security management, using Windows NT/2000 and network security
• Strong knowledge of IP networking, networking protocols and understanding of security related technologies, including encryption, Ipsec, VPNs, firewalls, proxy services, DNS, electronic mail and access lists, Internet, web, application and network security techniques
• Extensive knowledge of information, computer system architecture and communications security principles
• Experience in the development of information security policies, intrusion response procedures, risk analysis and administering the operations of a complex security infrastructure
• Good written and verbal communication, presentational, organizational and interpersonal skills
• Problem solving and the ability to prioritize tasks
• Experience in developing policies, procedures and project plans
• Skills must include personal computer experience with working knowledge of Microsoft Office Professional
• Visual and mental concentration are necessary for accurately performing tasks, working at computer for long periods of time, working in a fast-paced environment and handling frequent interruptions
• Position requires extended periods of sitting
• Bilingual in English and Spanish is desired

ORGANIZATION

 This position reports to the Chief Risk Officer

• This position oversees the IS Senior Analyst

TRAINING REQUIREMENTS

 All employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federal banking laws and regulations, including internal bank policies and procedures.

COMMUNITY INVOLVEMENT

The Bank’s Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity. All employees are encouraged to volunteer for bank sponsored activities, civic, charitable and community events and to be active in the communities we serve.

SBA Loan Closing and Funding Specialist

Addison, TX, USA Req #939

Imagine working somewhere that offers more than a steady paycheck; a place where you have ownership, employees are celebrated and growth is encouraged, both personally and professionally.

We are eager to welcome you as a new SBA Loan Closing and Funding Specialist to our team who will help us continue to drive change, create a fun and inclusive work environment while bringing creative and open- minded ideas to our people experience through the lens of our core values.

How do you know if this is the right opportunity for you?

We’ve included the traditional job responsibilities, but there are a few guiding principles taken directly from our Culture Book which we want to share to help you identify if your personal values align with ours, such as:
We look at the organizational chart as a framework, not an enclosure.

• Everyone at the bank is an owner and business development ambassador, thanks to our ESOP.
• We do things the ethical and honest way every time because it’s the only way.
• We are always looking ahead, reading ahead and thinking ahead.

Our company’s culture supports customers in achieving their financial goals and dreams.  At the guidance of the direct supervisor you will be responsible for the generation of SBA loans (Small Business Administration).  You’ll be able to help contribute to this by:

Job Duties:

• Knowledge of Small Business Administration (SBA) Standard Operating Procedures.
• Reviews loan requests to insure accurate documentation/information is being obtained in order to proceed with requests.
• Understands and recognizes when exceptions to bank policy and procedures are present.
• Engages and/or reviews any 3rd party vendors and orders all UCC searches, flood determinations, title commitments, OFAC, CAIVRS, etc. as required.
• Reviews and approves all title commitments, surveys, insurance, fuel supply agreements, UCC searches for lien position and any other third party documents as needed.
• Prepares Closing Checklist on each loan and updates the checklist as needed.
• Prepares Construction Checklist for each loan, if required, and updates the checklist as needed.
• Coordinates with 3rd party inspector on all construction loans.
• Prepares SBA packaging forms.
• Obtains INS verifications, if needed.
• Orders and reviews all 4506 transcripts.
• Creates loan file which will contain all documentation.
• Reviews and approves all required documentation received, i.e. purchase agreements, corporate documents, lease agreements, landlord subordinations, construction documentation, vehicle titles, etc. as required for the loan.
• Submits loan to SBA/USDA for approval and prepares SBA Loan Authorization for any SBA PLP loans.
• Pays the guaranty fee.
• Reviews closing documents before releasing documents to insure accuracy and compliance with regulatory requirements.
• Schedules and coordinates loan closings.
• Ensures all loans are closed and funded according to the approved loan request, bank policy, regulatory guidelines and SBA/USDA policies and procedures.
• Coordinates with the SBA loan servicing department for the loan funding and booking.
• Finalizes loan file for post close audit.
• Follows up on any outstanding closing ticklers and/or exceptions as needed.
• Be available as need to cross train and perform additional tasks as assigned.
• Adheres to the BSA Policy and all other Bank Policies.
• Administer corporate policies and procedures and ensures compliance with applicable laws and regulations.

• Other duties and responsibilities and/or projects as may be assigned by supervisor.
• Comply with compliance and privacy policies and procedures to maintain confidentiality and information protection.
• Comply with all federal, state and local regulatory rules and regulations governing financial institutions, as well as all company policies and procedures.
• Complete and pass all required regulatory compliance training as assigned.  

Qualifications & Skills:                                                                                                                

• Loan quality assurance or loan assistant experience helpful.
• Good customer service and communication skills.
• Must be able to exercise discretion and good judgment.
• Excellent knowledge in computer applications including Microsoft Word, Excel, and Outlook.
• Proficient proof reading skills required.
• Knowledge of SBA One and/or PCFS (Creditwrx and Loan Manager) preferred.
• SBA Loan Closing experience

Education, Experience & Licenses:

• High school diploma.
• College degree preferred
• Minimum 4 years SBA and/or commercial loan experience.

Controller

Job Description

 Reports to: VP of Accounting & Finance

 Summary:

Analyze financial status by collecting, monitoring and studying data, recommending actions. To perform various financial and budget analyses in the areas of profit planning, capital expenditures and cash flow. Prepare accounting reports and regulatory filings.

Essential Job Functions:

• Prepare, verify, and ensure accuracy of the following reports but not limited to:
  • Quarterly Call Report
  • Branch profitability reports
  • Monthly financial reports
  • Various board reports
• Write procedures, maintain spreadsheet templates, gather all required report data for quarterly Call Reports from various departments and create reports in accounting system.
• Reconciles transactions by comparing and correcting data.
• Recommends actions by analyzing and interpreting data and making comparative analysis.
• Planning, directing and coordinating all accounting operational functions
• Assists with the gathering of reports for external auditors.
• Assessing current accounting operations, offering recommendations for improvement and implementing new processes
• Evaluating accounting and internal control systems
• Evaluating the effectiveness of accounting software and supporting database, as needed
• Developing and monitoring business performance metrics

Competency:

The competency of the individual in the Controller position will be evaluated on an on-going basis by the VP of Finance & Accounting.  Competency will also be measured by the results of the examinations of the FDIC, Texas Department of Banking, the bank’s accounting firm, and the bank’s internal auditing firm.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Job Requirements:

Bachelor’s Degree in accounting or finance and 3 years financial reporting and analysis experience.

Must possess the ability to handle and execute multiple tasks simultaneously and exercise good judgment and maintain confidentiality. Must possess exceptional analytical skills and advanced Microsoft Office and accounting and finance system skills. Ability to interact favorably, promote and maintain a positive image of the bank with staff.

Language and Communication Ability:

The individual must have the ability to read, analyze, and interpret technical and financial reports, laws and regulations, and legal documents.  The individual must have the ability to respond and communicate effectively to common inquiries or complaints from customers, regulatory agencies, shareholders, Board of Directors, members of the community or others. The individual must also have the ability to prepare and deliver either in writing or speech to the above-mentioned entities proposals, audit responses, reports or other information.

Reasoning Ability:

The individual must have the ability to define problems, collect data, establish facts, and draw valid conclusions. The individual must have the ability to interpret an extensive variety of technical instructions and deal with abstract and concrete variables.

Computer Skills:

To perform this job successfully, an individual should have knowledge of word processing and spreadsheet software.

Note Department/Loan Operations Manager

We are seeking a Loan Operations Manager to join our operations team in our Note Department! We are a fast growing, community bank serving the community for past 20 years! We are looking for another caring individual to join our team!

***Highly competitive Benefits Package! Employer sponsored Medical, Dental, Vision Insurance, Life Insurance, Short & Long Term Disability and 401K with a 100% employer match up to 6%!***

POSITION SUMMARY: This position is responsible for the day to day management of all the assigned department’s back office/post closing and operational support functions from review, payment processing, support and escrow/insurance management. In this role, ensure that loan operation functions are executed according to the established standards of the company policy.

Qualifications:

At least 5 years or more job experience in the manager position of Note Department/Loan Operations and have extensive experience with Fiserv System

Primary Duties:

Supervise and direct the daily activity of staff in loan servicing, including but not limited to:

• Provide day to day management/supervision of the loan operations staff to ensure dept goals are in alignment with the Bank’s goal, objective and guidelines.
• Supervision and directing of new loan bookings in Fiserv system for all consumer loans, commercial loans and SBA 7a loans
• Generation of loan related reports
• Reconciliation of loan related individual accounts with G/L
• Supervision of daily loan payment bookings and corrections.
• Preparation of monthly 1502 report for SBA 7a loans
• Supervision on sale of SBA loans to secondary market
• Document preparation for regulatory examination
• Supervision on monthly loan payment statement generation and mailing to all loan customers
• Management and supervision of mortgage loan escrow account, balancing, tax-payment, insurance payment, and mailing out statement
• Supervision of collateral insurance policy update of all loans
• Supervision of release of DSD for all paid off loans
• Handling of customer request and complaints
• Note staff training

SUMMARY

The SBA Regional Loan Officer/UW is responsible for analyzing/evaluating SBA and small business loan application files to ensure credit worthiness of each assigned loan transaction. Additionally, this individual will assist in the preparation of Preliminary Analysis as needed. The SBA Regional Loan Officer will ensure that all areas of responsibility are performed in accordance with established Bank and SBA policies and procedures, meet with Bank clients as appropriate, and occasionally make visits with other Bank personnel to determine eligibility and assist other Bank officers in their local business calls.

ESSENTIAL DUTIES

1. Upholds, at all times, the Bank’s Core Values of: Integrity, Respect, Positive Attitude, Empowerment, Accountability, and Excellence.
2. Analyze SBA and small business loan files for credit worthiness based on the bank and SBA policies and guidelines; Prepare Credit Memorandum(s) on all new prequalified loan applications relative to financial strengths and weaknesses of applicants and guarantors, risk assessments, collateral assessment, and loan structure with an opinion as to credit worthiness.
3. Review and evaluation of borrower and guarantor financial Information including Balance Sheet and Income & Expense Statements, credit reports, D&B reports, OFAC, bank statements, tax returns and any other borrower information in order to make appropriate credit decision; Review and evaluation of borrower and guarantor financial information to ensure that business and guarantor generate sufficient cash flow in order to debt service and meet minimum DSCR requirements. Compare historical performance/trends and provide footnotes as needed.
4. Gather information on actual and prospective borrowers through inquiries and investigations with trade suppliers, financial institutions, professional firms or individuals in-house relative to loan amount, activity, profitability, and affiliate relationships; May obtain information through Business Development Officer or directly from applicant through inspection of applicant’s business/collateral, review of financial reports, personal interview, or other means.
5. Establishes and negotiates where necessary, loan structure, terms, and collateral conditions based on SBA and bank policies and guidelines, in relation to applicant and BDO request; Analyses industry data, competitive factors, historical performance, projected results, risk and mitigating factors.
6. Responsible for all loan amendments, ensuring that all loan conditions have been met, and other items as it may pertain to the credit, including review of appraisal and environmental reports; Provide a risk-rating grade level to loans underwritten and evaluated.
7. Keep immediate supervisor informed of any issues/concerns relating to assigned loan transaction(s).  Additionally during Loan Origination pipeline meetings provide a status of all assigned loan transaction (s).
8. Prepares Preliminary Analysis: structuring loan requests on a preliminary level (initial stages of a loan application request); Submit Preliminary Analysis to supervisor or CCO and further to loan committee as instructed by immediate supervisor.
9. Provides various analyses and conducts underwriting tests to aid lending officers in the early stages of their consideration of loan requests.
10. Appropriate credit decisions prepared by SBA Regional Loan Officer shall be communicated effectively (written and verbal) to immediate manager(s) and loan committee.
11. Maintain appropriate business relationship (externally and internally). External relationship includes brokers, members (borrowers), legal counsel, and third party vendors. Internal relationship would include employees within commercial lending department and other departments within the organization.
12. Any conditions set forth in credit memorandum (Prior to Funding) shall be monitored, reviewed and cleared by SBA Regional Loan Officer. If documents are provided by Borrower to satisfy conditions, the information shall be reviewed and accepted by SBA Regional Loan Officer prior to loan funding.
13. Performs an ongoing evaluation of the loan files submitted by processing staff and offers suggestions to the supervisor and credit regarding the quality of the work and possible ways to improve it; Coordinates with outside vendors as appropriate regarding the completion of title, environmental and appraisal reports to ensure timely loan closure.
14. Maintain and/or update Loan Origination Pipeline to provide current status on loan transactions being underwritten by assigned loan SBA Regional Loan Officer (as needed); Maintains/updates to the bank’s loan system as needed to reflect accurate Borrower and/or Loan information; Recommend and develop analytical tools and procedures to enable streamlined loan approvals as needed or instructed by immediate supervisor.
15. Other duties as assigned.

SUPERVISORY RESPONSIBILITY

The position of SBA Regional Loan Officer is not responsible for the supervision of any employee(s).

MENTAL DEMANDS

This position requires the ability to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

MINIMUM REQUIREMENTS

• Bachelor’s degree (BA) or equivalent from an acceptable 4 year college or university; or at least 5 years of banking experience and/or training; or the equivalent combination of education and experience.  Work related experience should consist of a financial analyzing or credit review background.  Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Basic knowledge of title policies and related loan regulations such as RESPA, HMDA and other Bank lending policies on loans to directors.
• Basic knowledge of branch operation procedures, Bank products and services and have the ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Excellent organizational and time management skills with basic skills in computer terminal and personal computer operation; host computer system; word processing, spreadsheet and specialty software programs with intermediate typing skills to meet production needs of the position.
• Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations and work with minimal supervision while performing duties.
• Must be able to sit for long periods of time, operate a computer, and telephone.
• This position requires writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

DIRECTOR OF SEC REPORTING

SUMMARY

The position of SEC Reporting Director is responsible for documenting the SOX control environment and the coordination and preparation of information included in earnings releases, annual report, Form 10-K, Form 10-Q, S-1 and other SEC filings. Providing support to external auditors during audits and interim reviews. Coordinate requests and manage the flow of information and documentation and lead the preparation/filing of all SEC filings, manage ongoing SOX related activities and support special projects as needed.

ESSENTIAL DUTIES

1.   Upholds, at all times, the Bank’s Core Values of: Integrity, Respect, Positive Attitude, Empowerment, Accountability, and Excellence.
2.   Delivers on the Bank’s tagline of “Your Best Banking Experience – Ever!” by reinforcing the application of superior customer service through own example along with appropriate follow through with involved customers and employees.
3.   Prepare and document the SOX control environment to be compliant with PCAOB standards.
4.   Lead the preparation of financial statements, MD&A, and disclosures to meet the company’s quarterly and annual SEC reporting requirements, as well as, to meet the company’s statutory reporting requirements
5.   Responsible for reporting and managing all equity-based transactions.
6.   Responsible for reporting equity compensation.
7.   Work with various personnel and departments to collect information and input into the above referenced reports; coordinate, review and collect comments on the various drafts; prepare support files; challenge the appropriateness of disclosures; complete all relevant disclosure checklists and reporting questionnaires.
8.   Assist in the drafting of new footnote requirements.
9.   Monitor the development and applicability of emerging accounting and reporting rules being deliberated by the SEC, US GAAP, PCAOB, or other regulations.
10.   Assist with establishment, documentation, and maintenance of company accounting policies.
11.   Draft MD&A ensuring explanations provided accurately explain the reason for changes in the business and are in the appropriate order of magnitude.
12.   Technical research on accounting issues and new accounting standards impacting the SEC reporting process.
13.   Provide support to external auditors during audits and interim reviews. Coordinate requests and manage the flow of information and documentation.
14.   Process improvement efforts related to accounting and financial reporting.
15.   Assist with the annual goodwill impairment analysis.
16.   Draft of accounting policies and assistance with acquisitions and divestitures.
17.   Other duties as assigned.

SUPERVISORY RESPONSIBILITY

The position Director of SEC Reporting will be responsible for the supervision of employee(s).

MENTAL DEMANDS

This position requires the ability to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

MINIMUM REQUIREMENTS

•   License/Certification/Education: Requires a bachelor’s degree in Accounting or Finance w/8+ years of relevant experience and/or training; or the equivalent combination of education and experience.  Work related experience should consist of a financial institution accounting or financial background.
•   Certified Public Accountant
•   Minimum of 8-10 years of relevant work experience, including Big 4 public accounting experience and SEC reporting experience with a large publicly traded company.
•   Strong technical knowledge of U.S. GAAP and SEC accounting and reporting requirements
•   Excellent communication skills, both written and verbal
•   Demonstrated knowledge and experience researching and documenting disclosure guidance and the accounting treatment of issues
•   Ability to effectively facilitate and present in group meetings
•   Strong analytical, problem-solving, and strategic-thinking skills with a forward-looking focus
•   Teamwork is essential to the group, so it is critical that the candidate interact with other team members and managers collaboratively and effectively
•   Excellent time management, organizational, and project management skills with experience in working toward tight deadlines
•   Experience with SOX 404 and internal control over financial reporting
•   Advanced proficiency with Workiva (formerly Webfilings) and XBRL
•   Demonstrated professional commitment, initiative, accountability, and ownership of assignments
•   Driven to add value and continuously seek opportunities for improvement both individually and as a team
•   Comfortable working in a fast-paced environment and adept at handling change.
•   Advanced math skills; calculate interest and balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals; locate routine mathematical errors; count currency, coin, and negotiable instruments in a timely manner.
•   Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees.
•   Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.
•   Ability to work with minimal supervision while performing duties.
•   Must be able to sit for long periods of time, operate a computer, and telephone.
•   This position requires writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching.
•   Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Title:  Commercial Loan Officer

Reports To:

Chief Lending Officer

Summary: Interviews commercial loan applicants and makes credit decisions within established guidelines. Processes loan applications, prepares appropriate documentation; generates new business while maintaining customer relationships; manages a portfolio of commercial loans; and may coordinate some collection efforts.

Essential Duties and Responsibilities:

• Monitors loan policy compliance.
• Reviews new note audit report and loan input sheets to CIS file maintenance report for accuracy.
• Reviews credit files on new loans for proper documentation.
• Review analysis of activities. Costs, operation, and forecast date to determine department or division progress toward stated goals and objectives.
• Travel to various customer locations to interview applicants and request specific information for loan application, financial statements, credit reports, and tax returns.
• Spend most of the time meeting with customers and prospective customers at the customers’ location.
• Analyze the financial status of the customer.
• Analyze the applicant’s assets and liabilities to determine feasibility of granting secured or unsecured loan.
• Approve loan within certain limits or discuss with Chief Lending Officer for approval.
• Ensure loan agreements are complete and accurate according to policy.
• Collect past due accounts through phone calls, sending correspondence, or personal visit.
• Other duties as assigned.

Knowledge, Skills, and Abilities:

• Ability to work well under pressure.
• Strong communication skills, including the ability to read, write, and speak English.
• Analytical Skills.
• Ability to work independently in making business development calls.
• Incentive pay is 15bp’s to 25bp’s depending on production.

Education and Experience:

• Bachelor’s Degree in Business Administration or related field; three-five years related experience and/or training; or equivalent combination of education and experience.
• Minimum of two years of credit analysis, credit review process, or commercial lending experience.

Our client is a growing SE’ern based Community Bank which emphasizes relationship banking. They are looking to hire a Market President to lead their expansion into Destin Florida.

The location will begin as a loan production office with the goal of transitioning to a full-service branch upon profitability.

Qualified candidates will have prior success, and longevity, in market as a proven senior-level commercial lender, ideally with management experience as they will be tasked with building a team.  Successful Commercial Lenders ready to advance into leadership will also be considered.

A lucrative incentive, and competitive benefits will also be offered.

Job Description

Requirements

Position: Commercial Relationship
Manager
Reports to: Commercial Banking Executive

We believe in a client-focused approach to local banking. All positions are committed to being
self-managed and entrepreneurial, while consistently embracing growth opportunities. Employees are dedicated to
engaging with other team members in peer-to-peer solutions to propel our bank’s strategic objective of
being the preferred community financial institution across Central Florida. We care about our team members, our clients,
and our communities, and in doing so, our employees demonstrate servant leadership and volunteering within the
community. Our team reflects the characteristics of our core values and leads by example.
POSITION OVERVIEW
The Commercial Relationship Manager is responsible for prudent revenue generation for the bank through the
development of profitable loan and deposit relationships with companies and their owners in the bank’s target market
with established goals and accountabilities pertaining to client service and new business acquisition. Targeted business
revenue size of $2 MM or more. The Commercial Relationship Manager is effective in calling activity, proposal generation,
revenue generation, risk mitigation, and ability to build successful relationships.
DUTIES AND RESPONSIBILITIES
• Lead the local business development activities to promote the Bank’s products and services, ensure the maintenance
of the Bank’s favorable image, and develop full banking relationships with present and potential commercial banking
clients.
• Identify and originate new commercial and personal relationships while managing and maintaining key relationships
of the market.
• Manage the assigned goals of loans, deposits, and business lines.
• Cross-sell related banking services to include Treasury Management, deposit products and referrals to Professional
Banking partners.
• Represent the Bank in industry and professional associations, community organizations, local business groups, etc.,
and promote the Bank’s favorable image. Stay current on trends in the market place.
• Represent the bank at various internal and external functions to promote its services and commitment to the
community, including networking with other professionals.
• Develop information concerning businesses and borrowing needs, repayment abilities, and business earnings to
determine whether a loan is an acceptable risk.
• Gather personal information about clients and businesses in a timely manner to ensure that an informed decision is
made regarding the creditworthiness of the borrower and the probability of repayment.
• Manage the Annual Review process of existing client credit exposure along with the Commercial Support Specialist
partners to assure the timely receipt of all required financial information.
• Utilization of the Banks internal customer relationship management systems and other Bank tools in the day to day
management of existing client portfolio, prospect management process and required calling goals.
• Maintain the credit quality of the assigned portfolio through collaboration with credit partners. Will monitor the
accountability of the assigned loan portfolio on a regular basis.
• Proactively manage past dues, work towards maintaining an acceptable risk tolerance for the portfolio, and
proactively manage through problem loan situations.
• Fulfill responsibilities under the Bank Secrecy Act and Anti-Money Laundering regulations. This may include
identifying customers properly, initiating CTRs and SARs investigations as needed, utilizing OFAC records and
maintaining appropriate records.
• Adheres to Bank’s policies and procedures and all Federal and State laws and regulations.
• Perform ALL other duties, as assigned.

BSA OFFICER JOB DESCRIPTION
REPORTS TO EVP, COMPLIANCE OFFICER/COUNSEL
BASIC QUALIFICATIONS
Education/Training: Bachelor’s degree preferably in business, management, or related field;
specialized BSA/AML/OFAC training. Certified Anti-Money Laundering Specialist, CAMS
designation preferred, bank will help you attain this certification if you possess currently.
Skill(s): Complete comprehension and familiarity with BSA/AML/OFAC/USA Patriot Act
regulatory environment; fully knowledgeable of all Bank policies and procedures; excellent written,
verbal, interpersonal, and analytical skills; excellent project and time management skills; strong
computer skills including working knowledge of Word, Excel, and Internet applications; familiarity
with BSA/AML software. Must be able to assist attorney in the preparation of documentation in
response to inquiries from law enforcement, regulatory agencies, courts and outside consultants.
Experience: Minimum of seven years’ experience in the banking industry, with minimum four years
in BSA area.
GENERAL RESPONSIBILITIES
Responsible for maintaining and administering the Bank’s BSA/AML program to ensure compliance with
the Bank Secrecy Act, USA Patriot Act, and all other Anti-Money Laundering (AML) and Office of Foreign
Assets Control (OFAC) laws and regulations; supports the Bank Secrecy Act training effort for the Board of
Directors, appropriate management, and staff personnel; participates in briefings of management and staff on
BSA/AML compliance issues and responds to BSA/AML questions. Accepts the responsibility for the
identification, measurement, and monitoring of BSA/AML/OFAC risks.
ESSENTIAL DUTIES
1. Manages the BSA Department to ensure the Bank’s compliance with all BSA/AML/OFAC/USA
Patriot Act related federal, state, and local laws and regulations by performing the following:
a. Maintains, reviews, and updates the Bank’s BSA/AML Program, policies, and procedures.
Ensures that they are updated when changes to regulations and laws are made.
b. Assesses the impact of new or amended BSA/AML laws and regulations and their
implications for Bank policies and procedures in conjunction with Compliance
Officer/Counsel; coordinates implementation.
c. Performs an annual BSA risk assessment to identify and measure BSA/AML and OFAC
risks associated with products and services offered by the Bank. Advises management on the
development of policy, procedures, systems, controls, and training to address those risks.
Prepares and utilizes Money Laundering Report to facilitate this process.
d. Maintain communication with regulators, internal auditors, and independent monitoring
functions. Under direction of counsel, ensures that all internal audit functions, regulatory,
and law enforcement agencies requests, findings and recommendations are complied with in
a timely manner under direction of Compliance Officer/Counsel.
e. Conducts reviews of customer accounts using applicable software and other transaction
monitoring processes to analyze and investigate suspicious or unusual customer activity for
identified medium and higher risk customers independently.
f. Conducts customer due diligence and risk assessment analysis of personal and commercial
customer relationships. Conducts enhanced due diligence reviews for customers identified as
higher risk.
g. Investigate and research ACH, wire, or any check irregularities found by Operations,
facilitate efficient process for investigations and file SARs, if necessary.
h. Review suspicious activity detected by the use of automated system reports, referral by
branch personnel or others and report unusual activities in the form of a Suspicious Activity
Report (SAR) filing.
i. Ensure that 314(a) requests, Currency Transaction Reports (CTRs) and SARs are completed
accurately and completely and filed with FinCEN on time. Serve as point of contact in
FinCen secure information sharing 314(b).
j. Maintain ongoing development and maintenance of the Bank’s automated AML software.
Review effectiveness of automated system reports and recommend changes or modifications,
if necessary.
k. Respond to BSA related questions, issues, and concerns from all department managers, bank
officers, and employees.
2. Develop, maintain, and coordinate a BSA/AML and OFAC training program. Maintains all
BSA/AML and OFAC training records.
a. Performs BSA/AML and OFAC training for new hire personnel and ongoing BSA/AML and
OFAC training and education for appropriate management and staff personnel as needed.
b. Performs annual Board of Directors BSA/AML and OFAC training. Provides BSA/AML
updates to the Board when needed.
3. Monitors BSA/AML industry developments and maintains advanced knowledge of new and
amended laws and regulations impacting the Program and Risk Assessment.
4. Organizes the work and activities of the BSA group in order to achieve established goals; monitors
the efficiency and performance of the group versus established standards.
5. Prepares and reports developments on significant BSA matters to the Regulatory Compliance
Committee, leads weekly BSA group meetings.
6. Assists in overall Bank security.
Compliance:
It is expected that each employee:
• Abides by current laws and organizational policies and procedures designed and implemented to
promote an environment, which is free of sexual harassment and other forms of illegal
discriminatory behavior in the work place.
• Cooperates with, participates in and supports the adherence to all internal policies, procedures and
practices in support of risk management and overall safety and soundness and the Bank’s
compliance with all regulatory requirements.
• Complies with established operating policies and procedures in order to maintain adequate controls
and to support the Bank’s adherence to outside regulatory requirements.
It is understood that complying with all applicable safety and soundness and consumer compliance laws and
regulations, taking the annually required consumer compliance courses, and adhering to the policies and
procedures that facilitate compliance will all be factors considered when evaluating individual performance.
Individual performance is rewarded in annual salary adjustments as well as cash incentive bonus, per regulatory recommendations.

Loan Review Analyst

 Job Description:

The Loan Review Analyst plays an important role in ensuring that the bank properly identifies, quantifies, and responds to the risks that arise within the bank’s loan portfolio as economic conditions and other factors affecting the bank’s customers change. This position is primarily responsible for analyzing financial data, records, documents, and other sources  of information to aid  in the performance of comprehensive annual loan reviews of complex commercial lending relationships and reviews of individual commercial loans, and recommending the appropriate grade / risk rating for each loan. Additional responsibilities include assisting in the identification of Troubled Debt Restructurings, and calculation of loan impairments. This position reports to the SVP, Commercial Credit Officer.

Primary Duties and Responsibilities:

• Analyze financial statements, tax returns and other information, to determine the financial condition, repayment capacity, and future prospects of borrowers and
• Review loan  and  collateral  documentation  to  verify  the  current  status  and  to  identify  any
• Evaluate borrowers’ loan performance and compliance with loan
• Assess collateral position and
• Conduct research and verify information from both internal and external
• Write reports and substantiate
• Monitor financial information on an on-going basis to identify trends and assess the impact of changes as they
• Interact with customers to obtain financial statements, tax returns, and other information as
• Other duties and responsibilities as

Required Skills / Qualifications:

• One or  more  years  of  experience  in  commercial  loan  review,  commercial  credit  analysis, commercial lending, or the
• Comprehensive understanding of financial statements, income tax returns, accounting principles, credit reports, loan documentation, title matters, lien perfection, and collateral
• Proficient computer, research, analytical, and communication
• Knowledge of applicable laws, rules, regulations, and
• Responsive, attentive to details, and thorough, with a strong commitment to
• Curious mind. Inquisitive.
• Strong organizational, planning, and time management skills with a demonstrated ability to manage competing priorities, follow through on commitments, and meet Adaptable.
• Good interpersonal skills, team player, readily willing to help associates, committed to forging positive and trusting working relationships with coworkers, customers, professional service providers, vendors, and others at all levels of their respective
• Professional

Desired Skills / Qualifications:

• A Bachelor’s degree in finance, accounting, other business discipline, or the

Physical Requirements and Working Conditions:

Sitting or standing for long periods of time, walking, finger dexterity, repetitive motions, talking, hearing and visual acuity. Professional office environment. Occasional lifting.

U

JOB DESCRIPTION

POSITION SUMMARY

Responsible for helping to maintain high levels of efficiency in the operations department.  Working on projects and making suggestions to improve overall efficiency of the bank’s loan, deposit and financial functions.  This job performs cost/reward analysis of proposed changes to determine if it’s appropriate for the bank to implement proposed changes taking into account financial resources as well as risk analysis to present viable options.  They will assist in managing IT implementation and support activity for the bank’s information processing systems, hardware and related equipment and systems.

ESSENTIAL FUNCTIONS

• Research and update policies and procedures as required and to ensure adherence to bank policies and regulatory requirements.
• Assist operations staff in assisting customers and resolving high-level issues.
• Provide excellent customer service to internal and external customers.
• Review daily IT security reports for suspicious activity.
• Review reports and help maintain accurate core database.
• Review dormant accounts and prepare annual escheat report to the State of Ohio.
• Prepare and create Crystal Reports as needed for all areas of the bank.
• Prepare monthly data extractions for Profit Magnifier software.
• Review updates with core processor and implement changes necessary to make the core system efficient for all staff members.
• Manage new products and services projects and ensure timely completion and implementation.
• Assist with IT hardware and software updates, replacement and support as needed.
• Work with staff to ensure IT needs are met and provide assistance and training as needed.
• Recommend appropriate deposit and lending products to customers or potential customers as appropriate.
• Report any required activity under the Bank Secrecy Act and Anti-Money Laundering regulations to keep bank in compliance.
• Other duties as assigned.

EXPERIENCE

• Bachelors’ degree in finance, accounting, business or economics, or equivalent work and educational experience.
• At least 3-5 years banking experience.

 KNOWLEDGE, SKILLS, AND ABILITIES REQUIREMENTS

• Intermediate knowledge of Microsoft Word, Excel, Access and Outlook, with the ability to learn other job-specific applications.
• Ability to think strategically and implement change.
• Works collaboratively with colleagues to achieve goals.
• Strong analytical and problem solving skills required.
• Knowledge of report writing in Crystal Reports or other database management software a plus.
• Must be comfortable self-teaching new software programs and have the ability to analyze and interpret data.
• Effective oral and written communication skills.
• Strong organizational skills, attention to details and ability to prioritize tasks and meet deadlines.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

 The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions

JOB DESCRIPTION

POSITION SUMMARY

Responsible for providing proper loan disclosures as required by local, state and federal regulations.  This job ensures all loan documentation is complete, accurate, verified and complies with the bank’s credit policy.  They will assist loan officers with expediting the processing and closing of all loans while providing excellent customer service.

ESSENTIAL FUNCTIONS

• Review information obtained from loan officers for accuracy, completeness and viability.
• Communicate with 3rd party referral sources as agreed to with loan officer.
• Obtain additional documentation needed from all sources.
• Obtain approval and closing conditions.
• Ability to make rational risk based decisions with regards to underwriting and processing determinations.
• Verify appraisal, credit and title have been ordered for all files within pipeline and ensure delivery of required reports.
• Collect, verify and analyze all documentation required before closing.
• Must be able to process multiple files within pipeline, all at different stages of the approval process and take responsibility from start to finish of all files in the pipeline.
• Responsible for completing, maintaining and servicing all loan files.
• Held to a higher level of accountability and responsibility of industry knowledge.
• Respond to department specific questions; research and resolve customer issues.
• Report any required activity under the Bank Secrecy Act and anti-money laundering regulations to keep bank in compliance.
• Evaluate current procedures, make recommendations and implement for process improvement.
• Assist in other duties performed in the Operations Department as needed.
• Other duties as assigned.

EXPERIENCE

• High School Diploma, or equivalent, required.
• Associate or Bachelors’ degree preferred, or equivalent banking and/or customer service work and educational experience.

 KNOWLEDGE, SKILLS, AND ABILITIES REQUIREMENTS

• Should hold a general understanding of all the areas of the mortgage industry–Must have knowledge of Conventional, Purchase, and Refinance.
• Strong working understanding of closing and title procedures preferred.
• Good communication skills with internal staff, Loan Officers, 3rd party referral sources and customers.
• Good working knowledge of Microsoft Word, Excel, Access and Outlook, with the ability to learn other job-specific applications.
• Effective oral and written communication skills.
• Strong organizational skills, attention to details and ability to prioritize tasks and meet deadlines.
• Accurate data entry of loan transaction into customer database.

Job Description

JOB TITLE: CHIEF CREDIT OFFICER

Reports to:   President & Chief Executive Officer

SUMMARY: Provide support, direction and supervision to the Credit Analyst function, Collections, Problem Loan Area, Construction Loan Monitoring and Appraisal Review to help ensure the quality of credit facilities presented to the Board. Insure prudent and required reporting is provided to Senior Management and/or the Board of Directors. (ALLL, Concentrations, CRE, Exceptions, etc.…)

ESSENTIAL DUTIES AND RESPONSIBILITIES

Review and approve/modify/decline large and complex loans prior to submission to Loan Committee. This also means working with lenders to insure loan are properly underwritten, structured and priced properly.

Ensure a quality process is in place to prudently underwrite and grade loans. This means insuring the loan policy addresses appropriate topics and is updated at least annually.

Manage Appraisal Review Officer and ensure a high-quality valuation process is in place.

Serve on various committees – Loan Committee, Risk Management, CRA, ALCO, EDP Management

Overseeing the quarterly analysis of the Allowance for Loan and Lease Loss Reserve (ALLL)/ CECL and making recommendations to Executive Management and the Board of Directors for allocations to the Loan Loss Reserve.

Responsible for overseeing the preparation of Managed Asset Plans on problems loans and being in-charge of the Managed Asset Committee to ensure workout plans are being implemented.

Overseeing the construction monitoring process to ensure that draws are handled properly and problems with a project is recognized early.

Supervise the following departments: Credit Analysis, Appraisal Review, Construction Monitoring and Recovery Management (Collections).

Working with Chief Executive Officer and Senior Loan Officer in the development and enforcement of all Bank policies and procedures.

Ensure the overall soundness of loan portfolio, identifying areas of risk and developing long term strategies that deal with portfolio mix, problem loans, concentrations, growth goals and loan pricing.

Other duties may be assigned.

QUALIFICATION REQUIREMENTS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION and/or EXPERIENCE:

Bachelor’s degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS:

Ability to read, analyze, and interpret financial reports and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to effectively present information to top management and/or the Boards of Directors.

MATHEMATICAL AND FINANCIAL ANALYSIS SKILLS:

Ability to apply mathematical operations to such tasks as frequency distribution, determination of test reliability and validity, analysis of variance, correlation techniques, sampling theory, and factor analysis. The ability to read and understand financial statements and accounting information in order to assess risk.

SUPERVISION AND TEAM BUILDING

Ability to work with employees to provide clear duties and responsibilities and to also hold employees accountable. Expectations are to mentor and train employees for new or different tasks.

OTHER SKILLS and ABILITIES:

Excellent communication and computer skills.

Department:              Executive

Reports To:                President/CEO

Supervises:                 Accounting

 SUMMARY

Direct financial and accounting activities of the financial institution

 ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Coordinate the preparation of financial statements including IOQ and IOK, annual report and audited financial statements

Maintain bank Investments financial records

Oversees the Federal Reserve reporting which includes: call report; Y8; Y9; weekly reports and various other reports

Oversee the asset and liability software model monthly and prepare Board Reports and ALCO reports including financial reports, cash management and forecasting reports

Coordinate the provision of information to external auditors and internal auditors for the annual audit and exams

Responsible for coordinating with external tax accountants for income tax preparation and auditors who prepare internal audits

Negotiating lines of credit and vendor agreements, as well as reviewing all financial contracts, financing agreements and insurance policies

Oversees accounts payable function, including reviewing and approving all invoices to be paid

Maintain a system of controls over the company’s accounting and financial procedures and ensure that they are in compliance with generally accepted accounting principles

Oversee all accounting and finance functions

Prepare budget

Handle regulatory exams in finance and accounting areas

Ensure compliance with local, state, and federal government reporting requirements and tax filings

Establish policies and procedures for finance and accounting areas

SUPERVISORY RESPONSIBILITIES

Directly supervises employee(s) in the Accounting Department and carries out supervisory responsibilities in accordance with the organization’s policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

EDUCATION and/or EXPERIENCE 

Master’s degree (M.A.) from four-year college or university; or five to ten years related experience and/or training in banking finance, accounting, bank operations and technology; or equivalent combination of education and experience.

BANK SECRECY ACT

In the performance of respective tasks and duties, the employee is expected to maintain knowledge of and ensure compliance with Bank Secrecy Act regulations and all other regulatory, security and bank policies.

COMPANY CONFORMANCE

In the performance of respective tasks and duties, the employee is expected to successfully perform quality work within deadlines with or without supervision, interact professionally with other employees, customers and suppliers; work effectively as a team contributor on all assignments and work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.