Summary of the Position:
The Controls Management and Testing Analyst is responsible for the identification, assessment, monitoring, reporting, testing, and supporting activities to management of the Bank’s risk and control management programs. The analyst partners with control owners in the first line of defense as they go through the various control management activities required to manage risk throughout the bank’s course of business.
Primary Functions of the Position:
- Conduct ongoing monitoring of control effectiveness by reviewing exception reports and system- generated alerts.
- Monitor compliance with regulatory requirements and internal policies through sample testing and walkthroughs.
- Track and validate remediation of identified control deficiencies to ensure timely and effective resolution.
- Document and communicate findings from periodic control testing and reviews to relevant stakeholders.
- Evaluate changes in business processes to assess potential impacts on existing controls, recommending updates as needed.
- Perform root cause analysis on control failures and provide recommendations for process improvements.
- Assist with periodic Risk and Control Self-Assessments (RCSA) review for each assessment unit.
- Partner with other business support functions to improve control activities across business lines.
- Partner with first-line business unit leaders, providing expertise and assistance with risk management and internal control practices.
Education and Experience Requirements:
- Bachelor’s degree in Business, Finance, Accounting, or a related field.
- 3+ years of relevant experience with banking operations, risk, compliance, or legal.
- Experience implementing or maintaining a risk management program or internal control framework is desired.
Essential Skills and Abilities:
- Working knowledge of banking products, services, and systems.
- Strong oral and written communication skills.
- Effective problem-solving and reasoning abilities.
- Able to present and communicate clearly to management and business partners.
- Proficient at tailoring information for the audience’s needs.
- Skilled at using data to spot trends in incidents, issues, and controls.
- Collaborative and able to build positive professional relationships.
- Capable of applying critical thinking to evaluate solutions and perform business analysis.
- Familiarity with assessing control effectiveness and identifying gaps.
- Knowledge of internal control frameworks and operational risk principles.
- Experienced in analyzing business processes to identify risks and controls.
Summary of the Position:
The Commercial Real Estate (CRE) Credit Portfolio Manager assists the relationship managers with the underwriting of new and existing relationships to ensure the Bank maintains high credit quality and to provide more time for the relationship managers to generate new business opportunities.
Primary Functions of the Position:
- Underwrites requests for credit extensions to new and existing clients (new money business)
- Performs detailed financial analysis for CRE and, on occasion, personal lending opportunities
- Prepares the following for presentation to Senior Loan Committee:
- Credit Approval Request (CAR)
- Modifications
- Covenant Waivers/Amendments
- Accurate and Timely Risk Rating
- Assessment of Real Estate Sponsorship
- Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval as they occur
- In collaboration with RM and Closer, facilitates Pre-Close Kick off Call between Closer, Portfolio Manager, Bank Counsel, Borrower Counsel and other parties.
- Ensures final loan documentation is consistent with credit approvals prior to closing.
- Accompanies the relationship manager on prospect / client calls when appropriate
Education and Experience Requirements:
- Bachelor’s Degree in Finance, Accounting, or related field
- Minimum of 5 years of credit analysis and underwriting experience
- Completion of a bank commercial credit training program and experience analyzing commercial / residential real estate projects (income producing properties including retail, office, industrial and multi-family; land acquisition and development loans, and construction loans) strongly preferred
Essential Skills and Abilities:
- Demonstrated knowledge of investment commercial real estate finance for multiple loan and property types
- Excellent organization skills, attention to detail and the ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
- Strong written and verbal communication skills
- Strong presentation skills
- Ability to work independently and within a team
- Proficient in various spreadsheet and word processing applications, including the use of graphs and charts
Summary of the Position:
The Private Bank Credit Production Manager manages securities-backed line of credit (SBLOC) and insurance-backed line of credit (IBLOC) applications through the Private Bank’s underwriting process, providing provide timely and effective analysis and decision making while consistently completing a daily workload.
Primary Functions of the Position:
- In a high-volume environment, evaluates / validates defined eligible collateral, advance formulas, and supporting collateral information.
- Reviews brokerage statements and system feeds in order to value collateral assets associated with Private Bank lines of credit
- Conducts credit investigations and related due diligence
- Assists the collateral monitoring group in analyzing service requests
- When required, reviews legal and borrower-provided documentation for accuracy and completeness
- May assist in the analysis of problem accounts and propose acceptable solutions regarding customer service issues
- Performs related reporting and project support work
Education and Experience Requirements:
- Bachelor’s Degree, preferably in Business or related field
- Minimum 1-3 years of banking or securities experience, including experience in brokerage statement or credit analysis
- Financial services experience with exposure to marketable securities, collateralized or asset-based lending, or loan administration is preferred
Essential Skills and Abilities:
- Demonstrated knowledge of accounting principles and reconcilement procedures
- Proficient in MS Office, specifically Excel and Word
- Organized with strong attention to detail
- Professional interpersonal and communication skills
- Strong writing, critical-thinking, and analytical skills
Summary of the Position:
The Senior Deposit Operations Associate manages the client profile agreements and all accompanying documentation related to the Implementation of an account set-up. In addition, the employee conducts the Implementation process for new accounts, performs maintenance on existing accounts, performs teller work functions, manages escrow sub accounting clients, provides training to new employees, performs ongoing client support, and troubleshoots any issues related to client deposits and returns. The Senior Deposit Operations Associate will maintain a solid understanding of all Deposit products including Checking, Money Markets, Certificates of Deposits, and CDARS/ICS.
Primary Functions of the Position:
- Assists the Deposit Operations team lead on daily tasks
- Performs client implementation set-up, maintenance requests, teller work, and quality review
- Manages Escrow clients as it relates to sub accounting
- Assists with new employee training
- Ensures all service levels are met
- Responsible for ongoing client support
- Works closely with Relationship Managers, Sales, Wire Operations, Treasury Operations, ACH Operations, Loan Operations, Capital Markets, and Compliance to effectively execute the responsibilities of the position
Education and Experience Requirements:
- High School Diploma or equivalent; post-secondary education preferred
- Minimum 5 years of experience, including 2 years bank operations experience in a deposit operations role
Essential Skills and Abilities:
- Demonstrates knowledge of all Deposit products, systems, and related processes
- Candidates should have experience with Deposit products including Checking, Money Markets, Certificates of Deposits, and CDARS/ICS
- Candidate should possess branch knowledge, such as teller work, new account opening, and client service requests
- Ability to communicate effectively in writing and over the phone
- Ability to work in a fast-paced, high-intensity work environment
- Job may require additional hours of work during peak periods to meet service levels
Summary of the Position:
The Commercial and Industrial (C&I) Portfolio Manager assists the relationship managers with the underwriting of credit and the ongoing administration of loan portfolios to ensure that the Bank maintains high credit quality and to provide more time for the relationship managers to generate new business opportunities.
Primary Functions of the Position:
- Underwrites requests for credit extensions to new and existing clients
- Performs detailed financial analysis primarily for Commercial & Industrial lending opportunities
- Prepares the following for presentation to Senior Loan Committee by the relationship managers:
- Credit Approval Requests (CAR)
- Modifications
- Covenant Waivers / Amendments
- Periodic Reviews
- Manages / monitors assigned portfolio for:
- Borrower Credit Trend
- Accurate and Timely Risk Rating
- Required Financial Reporting
- Covenant Compliance
- Borrowing Base Availability
- Payment Delinquencies
- Overdrafts
- Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval when they occur
- Ensures the initial set-up of credit facilities on Baker Hill and other internal systems is consistent with the reporting requirements contained in the loan documents
- Prepares periodic financial reviews where required
- Ensures the timely spreading of interim and annual financial statements provided by clients
- Accompanies the relationship manager on prospect / client calls when appropriate
Education and Experience Requirements:
- Bachelor’s Degree in Accounting, Finance, or related field; MBA preferred
- Minimum 5 years of credit analysis and underwriting experience
- Completion of bank commercial credit training program
Essential Skills and Abilities:
- Demonstrated knowledge of accounting theory and its practical application in the credit underwriting process
- Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, competition and projections
- Excellent organizational skills, attention to detail, and the ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
- Strong written and verbal communication skills
- Strong presentation skills
- Ability to work independently and within a team
- Proficient in various spreadsheet applications, including the use of graphs, charts and Moody’s financial analysis software
Summary of the Position:
The Private Bank Quality Review Specialist position is comprised of the quality review of documents and assisting in supporting the overall Private Bank Fulfillment and Production group where needed. The function of the job is that of reviewing loan documents for all new Private Bank loans and any modifications to existing loans, which are ultimately sent to the customer for their signature. The job of quality review is a demanding one that requires extreme attention to detail and an acute awareness and understanding of the documents to be reviewed. Ensuring that all loan documents are correct before they leave the Bank is crucial to a premier client experience. The position requires focus, accuracy, time management, good communication skills, good writing skills, understanding Bank support systems, and the ability to effectively partner with other Teams and/or Departments.
Primary Function of the Position:
- Having a working knowledge and understanding of all the documents that are reviewed for Private Bank new and existing loans.
- Ensuring that the proper documents have been prepared accurately and precisely based upon the supporting documentation.
- Understanding the different technical systems within the Bank to access crucial information.
- Possessing skills to communicate effectively with different Teams and Departments across the Bank.
- Through excellent attention to detail and thoroughness, providing a foremost client experience.
- Participating efficiently and effectively in assigned projects
- Assisting in additional daily tasks that are conducted by the team
Education and Experience Requirements:
- Bachelor’s Degree, or equivalent combination of education and experience
- Minimum 3 years of bank operations experience
Essential Skills and Abilities:
- Demonstrated knowledge of all Private Banking products, systems, and related processes
- Thorough understanding of accounts and account opening
- Understanding of Online Banking
- Organizational skills that will be imperative to supporting audits
- Project management skills and experience is preferred
- Demonstrated ability to communicate effectively with Management, staff, and support vendors
- Job may require additional hours of work during peak periods to meet service levels
Summary of the Position:
The First LOD Risk Manager will report to the SVP Bank Operations and will have responsibility for ensuring effective operational controls and providing support and guidance to Operations groups including Private & Commercial Bank Lending Operations, Treasury Management Operations and Payment Operations teams (Wire, ACH, Deposits). This individual will support the team in identification of day-to-day business risks through regular review of documented processes and correlating controls, ensure the complete closure and remediation of Operational Incidents and Issues and develop and execute testing of key controls. The incumbent will be required to build and maintain strong partnerships with second and third line of defense to support audit, testing and RCSA implementation and ongoing reviews. The ideal candidate will have strong problem-solving skills and the ability to influence a broad group of stakeholders across the organization and a keen ability to ability to evaluate and enhance processes and internal controls.
Primary Functions of the Position:
- Establish first line of defense monitoring and oversight
- Support of risk assessments and 3rd LOD control testing
- Promote culture of effective risk management and compliance within Operations by supporting development and monitoring of key risk indicator (KRI) metrics
- Design, implement and influence internal governance processes, controls and related key risk indicators (KRIs)
- Management of Operational incident tracking including identification of root cause, risk of reoccurrence and associated operational and financial impacts
- Oversight of Issue Management, including tracking, reporting, and remediation
- Assists the Head of Operations and front-line operational management in developing and implementing measurement processes for operational key risk and control indicators
- Provide monthly oversight and governance of Documentation exceptions and other process quality metrics
- Experience with assessment and analysis of technology control environments and process automation
- Oversight of procedure inventory including build out of annual review & attestation procedures
- Provide support for the team and responding to ad-hoc requests from other business partners
- Management of special projects
Education and Experience Requirements:
- 5-10 years of management experience in Banking Operations or Risk Management
- Bachelor’s degree required
Essential Skills and Abilities:
- Ability to use tools, data, and best practices to identify, assess, and manage operational risk exposures
- Ability to work well under pressure, adapt to changing circumstances, make decisions quickly, and manage multiple priorities
- Strong understanding of a Banking Operations Environment including; Commercial Lending, Treasury Management and/or Payment Operations
Summary of the Position:
The Quality Review Specialist assists in managing the validation of workflow performed in Deposit and Treasury Operations. In addition, the Quality Review Specialist will be responsible for the review of all SOC and non-SOC related maintenance and maintain control of all audits related documentation in the Deposit and Treasury areas of operation. The Quality Review Specialist will work closely with Deposits, Treasury, ACH, and Wire Operations.
Primary Functions of the Position:
- Quality Review of all Deposit and Treasury Operations onboarding and client implementations
- Quality Review of all Deposit and Treasury client maintenance requests
- Quality Review of all Treasury Billing for account analysis
- Quality review of all Deposit online decision support items
- Quality review of all teller transaction work
- Quality review of all single sign on set-ups in Treasury operations
- Manage audit and all SOC related controls
- Works closely with Deposit, Treasury, ACH, and Wire Operations
Education and Experience Requirements:
- Bachelor’s Degree, or equivalent combination of education and experience
- Minimum 3 years of bank operations experience in Deposit/Treasury Operations
Essential Skills and Abilities:
- Demonstrated knowledge of all Deposit and Treasury products, systems, and related processes
- Thorough understanding of accounts and account opening
- Understanding of Online Banking for Treasury clients
- Organizational skills that will be imperative to supporting audits
- Project management skills and experience is preferred
- Demonstrated ability to communicate effectively with Management, staff, and support vendors
- Job may require additional hours of work during peak periods to meet service levels
Summary of the Position:
The Client Services Representative – Fulfillment & Close position effectively coordinates the end to end Private Banking loan account process and provides exemplary service and support to our clients. Incumbents may be required at times to focus in a specific functional area of the Private Bank Service Team, such as processing modifications or initializing client loans on the Bank’s internal systems and/or platforms. This position must partner effectively with the full Sales organization, Portfolio Management, Internal and External Counsel, Compliance, Financial Advisors and all other authorized parties affiliated with each Private Banking transaction in order to deliver a premier client experience across all client engagements.
Primary Functions of the Position:
- Assures complete and accurate client data is captured in the loan application, and follows the loan process through completion, closing and booking
- Works closely with all members of the Private Bank Service Team in supporting client requests
- Partners effectively with relationship managers, inside sales representatives, portfolio managers, internal and external counsel, compliance, borrowers, and all other authorized parties affiliated with each transaction
- Provides a premier client experience across all client engagements
- Works closely with other teams within operations and throughout the bank to enhance current processes
- Participates effectively in assigned projects
Education and Experience Requirements:
- Bachelor’s Degree, or equivalent combination of education and experience
- Minimum 4 years of financial industry experience required, including 2 years of bank operations and/or client service experience preferred
Essential Skills and Abilities:
- Ability to organize and prioritize work assignments in a consistent manner to ensure timely and efficient execution
- Exceptional interpersonal and communication skills
- Proficiency in Microsoft Office preferred
- Keen attention to detail and understanding of loan process/system and applicable lending requirements
- Analytical problem-solving capabilities
- Strong work ethic and ability to be self-directed
- Ability to work effectively in a high-energy, fast-paced, team-oriented work environment and adapt quickly to changing priorities
Summary of the Position:
The Head of Treasury Management Sales and Strategy, also known as the Head of TM, is responsible for leading and directing the team to achieve business results and goals. This role involves developing and implementing comprehensive strategies to enhance the bank’s treasury management services, identifying market opportunities, setting strategic goals, and ensuring alignment with the bank’s overall objectives. The Head of TM also leads the adoption of new technologies and innovative solutions to improve treasury management services, including evaluating and implementing treasury management systems, and driving digital transformation initiatives. Additionally, the Head of TM is tasked with providing leadership and direction to the treasury management team, setting performance goals, providing coaching and development, and ensuring the team is aligned with the bank’s strategic objectives. The role also involves ensuring compliance with internal policies and external regulations related to treasury management activities, developing and implementing compliance frameworks, conducting regular audits, and staying up-to-date with regulatory changes.
Primary Functions of the Position:
- Develop and implement comprehensive strategies to enhance the bank’s treasury management services. This includes identifying market opportunities, setting strategic goals, and ensuring alignment with the bank’s overall objectives
- Lead the adoption of new technologies and innovative solutions to improve treasury management services. This includes evaluating and implementing treasury management systems, and driving digital transformation initiatives
- Leads and influences team members to achieve bank / segment objectives
- Monitors business results / metrics and adapts sales strategies and tactics accordingly. Develops and oversees the execution of strategic plans
- Manages risk / return for new and/or existing clients. Actively identify situations that require higher and/or expanded levels of risk management
- Manages effective channels of senior internal and external relationships, such as regional or industry relationships, to actively acquire new clients and/or expand existing clients and enhance client experience
- Networks within the industry and may serve in a leadership role in the region, industry, or market while assisting other team members in developing their network
- Coaches team to leverage reporting and sales tools (CRM) to track and monitor progress related to sales pipelines
- Develops team members while monitoring progress against goals. Identifies high-potential individuals, motivates and develops staff, including acquiring and retaining top talent and managing performance-based issues
- Effectively plans, organizes, directs, analyzes and evaluates staff and processes
- Connects strategy to day-to-day activities and updates the team on a regular basis
- Provide leadership and direction to the treasury management team. This includes setting performance goals, providing coaching and development, and ensuring the team is aligned with the bank’s strategic objectives
- Ensure compliance with internal policies and external regulations related to treasury management activities. This includes developing and implementing compliance frameworks, conducting regular audits, and staying up-to-date with regulatory changes
Education and Experience Requirements:
- Bachelor’s Degree or equivalent
- Minimum of 10 years combined sales and depository / treasury management experience or industry-relevant experience of 15+ years
- Certified treasury Professional (CTP) preferred but not required
- Proven leadership experience with a moderate to large scope of responsibility is required.
Essential Skills and Abilities:
- Exceptional interpersonal, communication, and presentation skills
- Exceptional planning, time management, and organization skills
- Demonstrated analytical and problem-solving capabilities
- Demonstrated ability to work independently and build relationships
- Ability to work in a high-energy, fast-paced work environment and adapt quickly to changing circumstances
