Career Opportunities

The Loan Operations Specialist will be responsible for all routine clerical duties related to consumer and business loan applications. The ideal candidate comes to us with a strong work ethic, great communication, attention to detail, ability to retain information, and excellent customer service skills.

Essential Functions and Basic Duties:

• Performs routine clerical duties related to consumer and business loan applications.
• Processes consumer, commercial and real estate loan payments and advances on lines of credit.
• Loan boarding – Performs post audits of loan documentation, prepares boarding sheets, wires and boards loans on the bank’s core processing and loan documentation system.
• Scans boarded loans on the bank’s document management system.
• Files & monitors UCC’s
• Files Tax Service Contracts
• Monitors ticklers
• Obtains required insurance on loans and send to the bank’s service provider for monitoring. Works weekly insurance reports and distributes to the Relationship Managers.
• Runs credit reports on current or prospective borrowers as necessary for all related interests.
• Conducts account research to update customer’s complete banking relationship.
• Corrects loan accounting system errors as necessary.
• Calculates loan pay off amounts for specific loans as requested.
• Submits invoices through the banks accounting system for payment and monitors the bank’s Reimbursable GL.
• Assists management in insuring compliance with applicable banking regulations, with particular emphasis on the Bank Secrecy Act.
• Performs other duties as assigned.

Qualifications and Desired Skills:

• Experience in LaserPro and Horizon is desirable.
• Computer Skills: Advanced Microsoft Word, Microsoft Excel, and Microsoft Outlook.
• Ability to provide courteous, knowledgeable and professional customer service in all forms of interaction.
• Ability to assume responsibility, display initiative, exercise good judgment and make and act upon decisions with minimal supervision.
• Good organizational skills, ability to prioritize and meet deadlines.

Experience Required:

• Undergraduate degree or Associates Degree in finance or business preferred
• Minimum 1 year related experience in loan operations processing.

The Portfolio Manager is responsible for leading the underwriting and management of portfolio of credits with varying complexity. In addition to managing credit risk, the Portfolio Manager will focus on excellent customer service to retain clients and find ways to grow the loan and deposit base of existing customer relationships. The Portfolio Manager will also work to train and mentor junior staff as appropriate. 

Essential Functions and Basic Duties:

• Negotiates, underwrites and coordinates the closing of Specialty Finance credit products in compliance with the Bank's lending policies and procedures.
• Promotes business for the Bank by maintaining good customer relations.
• Assists Business Development Officers and Relationship Managers in interviewing prospective applicants and requests specified information related to loan or credit application; corresponds or re­ interviews applicants to resolve questions regarding application information.
• Helps mentor and coach junior team members with respect to underwriting and portfolio management.
• Analyzes markets conditions to ensure proper underwriting standards and portfolio management is being maintained.
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Negotiates along with Business Development Officer or Relationship Manager, underwrites and processes renewals of credit facilities.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorizes commitment, engagement, adverse action and decline letters.
• Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
• Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise
• Performs other duties as assigned.

Qualifications and Desired Skills:

• Thorough understanding of financial services and banking products
• Strong underwriting and portfolio management skills
• Ability to manage complex credits and client relationships
• Background in leveraged finance a plus
• Results driven
• Thrives in a dynamic environment and has keen sense of urgency
• Skilled communicator
• Strong ability to lead and motivate junior staff
• Ability to interpret financial data and reports and when necessary recommend appropriate actions
• Ensures absolute confidentiality in all areas of responsibility

Experience Required:

This level of knowledge is normally acquired through a Bachelor's degree along with at least 10+ years of experience. Qualified candidates with equivalent experience should apply.

The Premier Banking group provides ultra-high-touch banking while providing extraordinary client service. We are the experts in providing personal banking and business banking services by offering a full range of Avidbank products. We build relationships one client at a time. The Premier Banking Group will take the time to understand your needs, so that we can serve you at each stage of your life. You will have a team of experienced professionals who will bring the bank to you. We want to be your partner in every step. We do what we say.

The Premier Banking Portfolio Manager is integral to the day-to-day operations. The ideal candidate comes to us with a strong work ethic, great communication, attention to detail, ability to retain information and excellent client service.

Essential Functions and Basic Duties:

• Coordinate new accounts through operations
• Responsible for obtaining all required documentation from clients and prospects
• Detailed knowledge of account analysis
• Transitioning the client over from previous bank, ensure smooth transition
• Knowledge of Cash Management services (online banking/remote deposit, etc.)
• Coordinate the ordering of checks/debit cards/supplies through operations
• Thorough knowledge of bank products
• Provide on-going exceptional client service on the phone, in person
• Supporting the Premier Banking team in day to day needs
• Adhering to and complying with the applicable, Federal and State laws, regulations and guidance, including those related to Anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.)
• Adhering to Bank policies and procedures
• Identifying and reporting suspicious activity to the BSA Officer
• Perform duties & responsibilities as required or assigned by supervisor

Qualifications and Desired Skills:

• Exceptional interpersonal skills to interface with clients, prospects, colleagues
• Excellent organizational and communication skills (both verbal and written)

Experience Required:

• College degree preferred
• Minimum 3-5 year experience in banking

This is a client service position integral to our day-to-day bank operations. The ideal candidate comes to us with a strong work ethic, great communication, major attention to detail, ability to retain information, and excellent client service skills.

Essential Functions and Basic Duties:

• Performs routine and intermediate client service duties; balancing GLs and other daily maintenance operations reports, online banking and other cash management functions (RDC, Wires, ACH) , cash letter adjustments, and other client transactions as requested.
• Promotes business for the Bank by maintaining quality client relations and referring customers to appropriate staff for new services.
• Processes client transactions as requested, ensuring that all necessary documents are properly authorized, in proper form, within authorized limits, and completed accurately.
• Operates computer terminal or personal computer to process account activity, determine balances, and resolve problems within given authority.
• Receives and processes research (check and statement copies) upon client request.
• Receives and processes stop payment and hold orders.
• Receives and processes client transfers.
• Establishes proper identification of new customers and determines need and extent of reference investigation.
• Cross-sells the Bank’s other products and services, referring customers to appropriate staff as indicated.
• Records, files, updates client information, with appropriate verification.
• Prepares wire transfers, incoming and outgoing, performs call back (verbal confirmation).
• Gathers data and processes various reports (e.g., currency transaction, returned items, overdrafts, maintenance, callbacks, etc.).
• Processes credit ratings, verification of deposit, certifications, cash letter adjustments, and deposit corrections.
• Maintains files, copies, and fax documents.
• May prepare and research data for levies and garnishments.
• Assist clients with debit card transaction research, including ordering new debit cards, processing Regulation E claims.
• Assist clients with Online Banking including but not limited to, resetting passwords, bill pay, building users, assisting clients with troubleshooting, reviewing potential fraudulent transactions, and other functionality.
• May assist New Accounts (ordering checks, processing credit card applications) as required, or for back up to other personnel.
• Attends and contributes to Operations and All Staff meetings held periodically.
• Other duties as assigned by management.
• Assists management in ensuring compliance with applicable banking regulations with particular emphasis on the Bank Secrecy Act. Understands government regulations with particular emphasis on the Bank Secrecy Act and related regulations and the fact that compliance with BSA regulations is an enterprise responsibility.
• Other related compliance areas (as they pertain to Operations):
  • Expedited Funds Availability – Regulation CC
  • Red Flags – Identity Theft
  • Error Resolution – Regulation E
  • Truth in Savings – Regulation DD
  • Reserve Requirements for Depository Institutions – Regulation D
  • Privacy of Consumer Financial Information – Regulation P/GLBA
  • Prohibition on Funding of Unlawful Internet Gambling – Regulation GG

Qualifications and Desired Skills:

Excellent communication skills, attention to detail, self-motivation, and a strong computer aptitude. 

Experience Required:

High School Diploma.  Minimum 2 years related experience.