At Bryant Bank, we aspire to provide legendary service to our customers. The Customer Service Representative builds relationships with bank customers and provides a variety of financial services to meet customer needs.
Essential Duties and Responsibilities:
Discuss goods or services information with customers or patrons
Advise customers on the use of products or services
Analyze information and evaluate results to choose the best solution and solve problems
Recommend products or services to customers
Promote products, services, or programs
Open accounts, execute sales, or other financial transactions
Handle complaints, settle disputes, and resolve grievances and conflicts, or otherwise negotiate with others
Use relevant information and judgment to determine whether events or processes comply with laws, regulations, or standards
Maintain a work area that ensures the safety of all negotiables and confidential records
May assist with completion of loan applications
Performs other related duties as assigned
Qualifications
Knowledge/Skills/Abilities:
Customer and Personal Service - knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction
Organizing, Planning, and Prioritizing Work - Developing specific goals and plans to prioritize, organize, and accomplish your work
Integrity - job requires being honest and ethical
Attention to Detail - job requires being careful about detail and thorough in completing work tasks
Relationship Building - ability to develop constructive and cooperative working relationships with others, and maintaining them over time
Communication - the ability to communicate information and ideas in speaking and writing so others will understand
Competencies:
Accountability: Accepts individual responsibility for personal work performed; Has basic awareness of performance expectations associated with serving customers and utilizing resources; Performs duties and position with limited guidance.
Collaboration: Works with project team members to summarize progress in preparation for briefings; Volunteers to assist others with excess work; Contributes to group discussions.
Customer Service: Exchanges information appropriately with customers and co-workers; Resolves simple problems, questions, or complaints; directs complex or non-routine problems, questions, or complaints to the appropriate person; Asks for guidance in difficult situations.
Decision-Making: Exercises good judgment in situations where there are clear and straightforward answers; Understands when it is appropriate to make decisions independently vs. when it is appropriate to seek advice from higher level; Occasionally seeks guidance from others when faced with adversity.
Organizational Awareness: Demonstrates general knowledge of the mission and functions of the organization; Demonstrates basic knowledge of and adheres to the organization's policies, procedures, rules, regulations impacting the organization, and guidelines; Stays current with organizational programs and polices; Understands the company's organizational structure and key departments/functions.
Self-Management: Adheres to goals and deadlines set by supervisor; Allocates time to meet goals and complete assigned work by given deadlines; Takes on new or additional responsibilities when asked.
Education:
High school diploma or GED required
Experience:
Minimum one-year of customer service experience required
Preference for proven work experience in a similar role or in a financial institution
Physical Requirements:
Must be able to lift up to 15 pounds at times
Prolonged periods sitting at a desk and working on a computer
$30k-36k yearly est. 7d ago
Looking for a job?
Let Zippia find it for you.
Commercial Banker
Bryant Bank 4.1
Bryant Bank job in Mobile, AL
Job Title: Commercial Banker
The Commercial Banker will be responsible for identifying and developing new lending and deposit opportunities within the local market, managing and expanding the bank's commercial lending portfolio, and fostering strong business relationships with clients. The role involves originating loans, procuring deposits, cross-selling products and services, analyzing financial data, structuring loan terms, and ensuring compliance with regulatory requirements while balancing client needs with the bank's risk tolerance. The Commercial Banker will also collaborate with internal teams and credit committees to ensure timely and effective loan processing.
Essential Duties and Responsibilities:
Business Development:
Identify, pursue, and originate new commercial lending and deposit opportunities to expand the bank's lending and deposit portfolio, focusing on local market growth and business expansion.
Client Relationship Management:
Develop and maintain strong, lasting relationships with business owners, entrepreneurs, and key decision-makers. Act as the primary point of contact for commercial clients to ensure ongoing satisfaction and foster repeat business.
Loan Origination & Structuring:
Analyze financial statements, business plans, and industry trends to assess creditworthiness and structure loan terms that align with client needs and the bank's risk tolerance. Prepare and present loan proposals to senior management and credit committees.
Loan Proposal Preparation:
Prepare detailed loan proposals and presentations for credit committees, ensuring that all relevant financial and business data is thoroughly analyzed and presented clearly.
Collaboration with Internal Teams:
Work closely with credit underwriters, risk management, and other bank departments to process loan applications efficiently and ensure a smooth loan origination process.
Regulatory Compliance & Risk Management:
Ensure compliance with all applicable banking regulations, lending laws, and internal policies. Monitor loan portfolios to mitigate risks and maintain the integrity of the bank's lending practices.
Market Awareness & Industry Trends:
Stay informed about market conditions, industry trends, and regulatory changes to provide clients with informed advice and identify new business opportunities.
Achieving Lending & Deposit Goals:
Contribute to achieving individual and team lending and deposit goals, driving performance in line with bank objectives.
Solution Selling:
Marketing various deposit products to businesses including but not limited to checking accounts, savings accounts, Certificates of Deposit (CDs), and Treasury Management services.
Community Engagement:
Actively participate in community events, networking activities, and industry associations to promote the bank's services and increase visibility within the local business community.
Other Duties as Assigned:
Perform additional duties as needed.
Qualifications
Knowledge/Skills/Abilities:
Strong understanding of various commercial loan products, credit analysis, and financial modeling.
Strong knowledge of deposit accounts and treasury management products/services.
Proven record of accomplishment in business development, client relationship management, and loan origination.
Excellent communication, negotiation, and interpersonal skills.
Proficiency in financial modeling, CRM software, and other relevant banking tools.
Familiarity with local market conditions and business trends.
Competencies:
Accountability: Willing to claim ownership for results of actions executed personally; meets personal and organizational obligations associated with serving customers and utilizing resources; and performs duties/position without requiring guidance.
Collaboration: Cooperates with others to establish priorities and develop work plans; cooperates with team members to complete tasks assigned to the team; and consistently contributes to group discussions and shares information.
Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; effectively handles situations with moderate degree of tension, conflict and/or distress.
Decision-Making: Exercises good judgment in situations when data is limited and the solution may be unclear; makes appropriate decisions in given time restraints; demonstrates the ability to weigh factors and perceive impacts and implications of personal decisions in situations.
Organizational Awareness: Understands the mission and functions of the organization; demonstrates in-depth knowledge of organizational policies, procedures, rules, regulations impacting the organization, and guidelines; educates others on organizational programs and policies; aware of the key stakeholders, decision-makers, and power dynamics within the organization.
Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; applies effort and persistence toward the achievement of goals; willingly accepts new or additional responsibilities.
Education and Experience:
Required:
Bachelor's degree in Business, Finance, Economics, or related field.
3-5 years of experience in commercial lending, preferably in a community bank setting.
Preferred:
MBA or other related advanced degree.
Commercial lending certifications (e.g., RMA, CRC).
Experience in specific commercial sectors such as real estate, manufacturing, or agriculture.
$65k-78k yearly est. 6d ago
Treasury Management Sales Officer
Servisfirst Bank 4.0
Birmingham, AL job
Job Description
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Treasury Management Sales Officer is responsible for developing business relationships with clients; promoting business for the Bank by providing exceptional quality customer service; and assisting in achieving established Bank goals through active participation in sales management as well as providing leadership, training and support to less experienced bank personnel. The Treasury Management Sales Officer will focus in particular on Treasury Management products, responding to referrals and serving as a subject matter expert in support of a full range of services offered to clients.
The incumbent will:
Establish and provide training and service programs to orient clients in the operation and maintenance of Treasury Management products
Demonstrate services and products to prospects, when appropriate, through personal meetings or as part of a coordinated, multi-product sales presentation
Serve as liaison between current and potential clients and the Bank to resolve questions regarding Treasury Management products and services
Attend sales meetings and contribute as appropriate
Keep abreast of changes which might affect sales in assigned territory
Maintain account records, prepare sales call reports and ensure the accuracy of agreements
Initiate client relationships and also accompany relationship sales officer/manager on selling missions
Secure and renew orders, arrange delivery dates and coordinate order fulfillment of other treasury management products
Maintain contact with and service key accounts
Promote satisfactory client relations via follow-up and check-in calls
Work closely with bank personnel to ensure prompt service to clients
Provide field technical services to clients in compliance with service contract requirements
Provide banking solutions to clients by cross-selling appropriate products
Assist in preparation of proposals for new and existing contracts
Visit clients within assigned territory and address engineering or servicing problems
Conduct and/or attend quarterly Treasury Management departmental meetings
Conduct supervisory responsibilities in accordance with the organization's policies and applicable laws, including employee selection, appraisal, and management
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
Bachelor's degree preferred
Five (5) or more years of related experience
Intermediate experience, knowledge and training in branch operation activities, terminology and products and services relating to retail and commercial account customers preferred
Working knowledge of Microsoft Outlook, Word, Excel and PowerPoint
Previous Internet Banking and Deposit Operations experience preferred
Knowledge of bank operations and products as well as basic accounting
Excellent customer service skills
Ability to deal with difficult issues involving multiple facets and variables in non-standardized situations
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained standing and sitting
Frequent use of PC, including typing or sustained attention to monitor
Occasional presentations requiring public speaking to small groups
Occasional lifting of basic office files or equipment up to 20 lbs
Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$103k-130k yearly est. 22d ago
Credit Card Support Specialist
Servisfirst Bancshares 4.0
Birmingham, AL job
At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Credit Card Support Specialist provides support to current clients by researching and resolving escalated customer service issues, setting up new accounts and collecting documentation as necessary. In addition, the position provides ongoing support to agent banks by coordinating credit card program details, conduct agent bank training and assist banks with promoting the program to existing and potential customers.
The incumbent will:
* Handle research and escalated calls and emails from Consumer and Private Banking clients. Issues include but are not limited to: researching declines, increasing limits, researching payments and posting payments
* Determine where and how to apply incorrect payments
* Gather required documents for commercial accounts and input all new consumer and commercial applications
* Make outbound calls and emails as necessary to collect required documentation
* Send collection reports to officers; make collection calls to clients as requested by officers
* Coordinate payment efforts for clients in collections
* Reconcile payments on accounts and post payment files to system
* Assist agent banks with creating and distributing marketing materials as well as create training guides, tutorials and develop training presentations for agent banks
* Travel to multiple states providing onsite training for agent banks
* Develop agent bank websites and application links
* Perform back up duties for Correspondent Banking Client Services Representatives as needed
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
* Bachelor's degree in finance, business, marketing or a related field
* Two (2) years of customer service experience
* Previous banking experience preferred
* Marketing experience preferred
* Web development experience is a plus
* Proficient in Microsoft Outlook, Word, Excel, PowerPoint and mainframe
* Experience handling highly confidential and sensitive material in a professional manner
* Basic knowledge of related federal and state banking compliance regulations and other Bank operational policies
* Effective organizational and time management skills
* Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and compose correspondence
* Ability to accurately type using a keyboard
* Ability to deal with difficult issues involving multiple facets and variables
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
* Sustained standing and sitting
* Frequent use of PC, including typing or sustained attention to monitor
* Occasional presentations requiring public speaking to small groups
* Occasional lifting of basic office files or equipment up to 20 lbs
* Occasional travel out of state
* Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$36k-57k yearly est. 27d ago
Service Technician
West Alabama Ford 3.5
Sulligent, AL job
We are looking for a Ford Certified Service Technician to join our growing team! The right candidate will have a strong service technician background and ASE & Ford certified. The day-to-day duties include performing work on specific repair orders and diagnosing what repairs need to be done.
By working at West Alabama Ford, you can be a part of a brand that honors the past, and is invested in the future. Join the West Alabama Ford Family where we value service to each other and the world as much as to our customers!
Benefits:
Health, Medical and Dental
401K Plan
Paid time off and vacation
Growth opportunities
Employee vehicle purchase plans
Family owned and operated
Long term job security
Flexible Work Schedule
Responsibilities
Perform work specified on the repair order with efficiency and in accordance with dealership
Test-drive vehicles, and test components and systems, using diagnostic tools and special service equipment
Diagnose, maintain, and repair vehicle automotive systems including engine, transmission, electrical steering, suspension, brakes, air conditioning, etc.
Communicate directly with the Service Advisor so that customers are informed if any additional service is needed. Provide an estimate of time needed for additional repairs
Execute repairs under warranty to manufacturer specifications
Qualifications
2+ years of Service Technician experience preferred
High school diploma or equivalent, ASE Certification required
Ford Certification
Previous experience at a Ford dealership is preferred
B level qualifications, including Diagnostic, Electrical and Engine Repair
Dexterity, requiring a steady hand, excellent hand-eye coordination
Mechanical and troubleshooting skills and ability to operate electronic diagnostic equipment
Excellent customer service skills and basic computer competencies
Positive, friendly attitude, along with an eagerness to improve
Enjoy working in a dynamic environment
Teammate with ability to collaborate with others effectively
Ability to learn new technology, repair and service procedures and specifications
Valid driver's license and clean driving record
We are an equal opportunity employer and prohibit discrimination/harassment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
$31k-37k yearly est. Auto-Apply 60d+ ago
Portfolio Manager
Servisfirst Bank 4.0
Birmingham, AL job
Job Description
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Portfolio Manager is responsible for conducting financial analysis of credit for loan requests as well as assisting Bank Officers by performing the following duties.
The incumbent will:
Conduct financial analysis of credit for new and existing clients and prospects
Generate spreads, term sheets, and other information for loan requests and conduct underwriting
Determine the strength and/or weakness of credit requests to determine the terms of the loan and ability to repay
Build profiles and loan requests in nCino for approval
Contact Loan Officers and/or clients to request necessary financial information for analysis such as balance sheets, tax returns, financial statements, etc.
Generate reports to determine past or current maturities that are not yet cleared and request any necessary information
Prepare memos outlining financial information for approvals from the appropriate parties
Track maturity for renewals monthly
Be actively involved in understanding documentation and closing process
Attend sales appointments with Officers as requested
Work on term sheets / commitment letters as directed by supervisors
Assist Loan Officers and Credit Officers with various functions needed such as clearing collateral exceptions, reporting information, implementing new systems, etc.
Serve as a resource for junior Credit Analyst/Assistant Relationship Managers and provide training as needed
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
Bachelor's degree in Finance, Accounting or a related field
5-10 years' experience preferred
Excellent written and verbal communication skills
Experience using Microsoft Outlook, Word and Excel
Experience in a position requiring attention to detail and data analysis
Excellent organizational skills and ability to multi-task
RMA and/or Moody training is a plus
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained standing and sitting
Frequent use of PC, including typing or sustained attention to monitor
Occasional presentations requiring public speaking to small groups
Occasional lifting of basic office files or equipment up to 20 lbs
Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$57k-89k yearly est. 10d ago
Summer Internship
Servisfirst Bank 4.0
Birmingham, AL job
Job Description
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Credit Analyst Intern is responsible for determining the creditworthiness of potential clients based on financial statements, borrowing history and market conditions. The analyst uses tools such as financial models, credit reports and key ratios to prepare appraisals which are provided for purposes of loan review and approval, as well as to determine terms of the loan.
The incumbent will:
Assist in updating electronic credit files by imaging related loan and financial documents
Assist in conducting financial analysis and underwriting of credit for new loan requests and loan maturities
Contact Loan Officers to request necessary financial information for analysis such as balance sheets, tax returns and financial statements
Assist in determining the strength and/or weakness of the client's credit to determine the terms of the loan
Run reports that show past or current maturities and request necessary information
Generate and compile various monthly reports including but not limited to past due loans, maturing loans, collateral exception reports, outstanding appraisal fees, loan type summaries and internal credit administration auditing
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned
MINIMUM QUALIFICATIONS
Undergraduate student majoring in Finance, Accounting, Economics or a related field
Excellent written and verbal communication skills
Experience using Microsoft Outlook, Word and Excel
Experience in a position requiring attention to detail and data analysis
Excellent organizational skills and ability to multi-task
Ability to work independently with little supervision
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained standing and sitting
Frequent use of PC, including typing or sustained attention to monitor
Occasional lifting of basic office files or equipment up to 20 lbs
Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$23k-30k yearly est. 15d ago
Financial Systems Analyst
Servisfirst Bank 4.0
Birmingham, AL job
Job Description
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Financial Systems Analyst serves as loan origination system administrator and prepares reports by collecting, analyzing and summarizing information. Financial Systems Analysts is responsible for monitoring performance and quality control plans to identify improvements. As administrator, they provide technical strategy and direction to ensure that the application is effectively implemented and managed across our Sales, Marketing, Technical Services and Support, and Operations. This position offers best practices and recommendations for process integration, application development, deployment and ongoing enhancements of the platform.
The incumbent will:
Prepare reports by collecting, analyzing and summarizing information
Provide support to internal end-users of different systems
Work with management to prioritize business and information needs
Identify project requirements by interviewing business stakeholders, analyzing operations, determine project scope and documenting results
Create and maintain databases and management reports; analyze and interpret data to identify anomalies, trends and opportunities for improvements
Works under limited to moderate supervision to analyze and solve mildly complex operational and systems-related issues
May manage small projects requiring some coordination and/or contribution to task forces or project teams
Interpret data, analyze results using statistical techniques and provide ongoing reports
Develop and implement databases, data collection systems, data analytics and other strategies that optimize statistical efficiency and quality
Acquire data from primary or secondary data sources and maintain databases/data systems
Identify, analyze, and interpret trends or patterns in complex data sets
Filter and “clean” data by reviewing computer reports, printouts, and performance indicators to locate and correct code problems
Locate and define new process improvement opportunities
Create and manage custom objects, fields, formulas, validation rules, custom workflow, and approval processes
Design, document, build, test and deploy enhancements to nCino custom objects, page layouts, workflows, alerts, reports and complex dashboards
Maintain and utilize the test environment
Maintain user roles and profiles, security settings, access settings etc. (User Profiles, Role Hierarchy, Sharing Rules and Security)
Research changes in upcoming versions of nCino and other integrated applications
Provide recommendations when necessary to enhance efficiency and productivity
Develop and maintain report folders, dashboards, etc. to improve system usability
Maintain a holistic view of all business processes and users in the system to understand cross functional impacts regarding configuration, process, workflow and reporting
Lead user requirement sessions and document user requirements to address changing business needs
Take lead responsibility for the implementation of any statement of work for new functionality
Troubleshoot system issues by opening tickets and monitoring for resolution
Perform routine review of code, configuration, data, and usage to ensure long term viability, integrity, and adoption
Understand existing system reports, the functionality of each and how they support management initiatives
Create ad hoc reports as requested by management, sales and operations staff
Keeps management apprised of project status and creates a system to allow for the continuous flow of information among all business stakeholders
Change Management
Responsible for understanding and keeping abreast of regulatory changes that impact applicable systems and loan origination practices
Maintain records of all changes made to applicable systems including date change implemented and required approval for change
Maintain library of all business rules / credit policies
Maintain document libraries. Build custom documents, letters, email templates as requested
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
BS in Mathematics, Economics, Computer Science, Information Management or Statistics
Strong analytical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy
Adept at queries, report writing and presenting findings
Fully proficient in Microsoft Office (Word, Excel and PowerPoint)
Familiarity with Salesforce and/or nCino
Familiarity with AS400 (IBM i Series)
Problem solving and investigative skills
Excellent organization and time management skills
Report writing, including charts, graphs, etc.
Aptitude for math and the ability to review and understand numeric data, graphs and statistics
Detailed and thorough
Able to work equally well on self-managed or team-oriented projects
Proactive and adaptable
Excellent communication skills - must be able to translate complex issues to multiple levels in the organization
Ability to multi-task, prioritize, and work accurately, flexibly and efficiently under pressure
Analytical mind with a problem-solving aptitude
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained standing and sitting
Frequent use of PC, including typing or sustained attention to monitor
Occasional lifting and/or moving equipment weighing up to 50 lbs
Normal office environment with comfortable internal temperatures and low-level noise
EOE/AA
$57k-78k yearly est. 30d ago
Credit Underwriter
Bryant Bank 4.1
Bryant Bank job in Birmingham, AL
Job Title: Credit Underwriter
The Credit Underwriter will be responsible for evaluating loan applications, assessing credit risk, and making informed lending decisions in accordance with the bank's policies, regulatory requirements, and risk tolerance. This role involves analyzing financial statements, credit reports, and collateral to ensure that lending decisions align with the bank's standards. The Credit Underwriter will collaborate with relationship managers and other departments to ensure smooth processing and mitigate risks while supporting the bank's lending objectives.
Essential Duties and Responsibilities:
• Loan Application Analysis:
Review and evaluate loan applications, financial statements, and credit reports to assess the credit risk of potential borrowers and determine their eligibility for credit.
• Credit Risk Assessment:
Conduct thorough assessments of borrower creditworthiness, using financial ratios, historical data, and qualitative information to ensure accurate lending decisions.
• Collateral Evaluation:
Assess the adequacy and value of collateral to determine appropriate loan structures, ensuring that risk exposure is minimized.
• Loan Approval Recommendations:
Prepare well-documented credit memos with detailed assessments, presenting clear recommendations for loan approvals or rejections to management.
• Policy and Compliance Adherence:
Ensure all credit decisions comply with the bank's internal lending policies, procedures, and relevant regulatory requirements.
• Collaboration with Internal Teams:
Work closely with relationship managers, loan officers, and other departments to collect necessary information, discuss loan proposals, and resolve issues.
• Risk Mitigation:
Identify emerging risks in lending and recommend proactive measures to minimize potential losses.
• Industry Awareness & Market Trends:
Stay up-to-date on market conditions, economic trends, and regulatory changes affecting lending and underwriting processes.
Knowledge/Skills/Abilities:
• Strong understanding of financial statements, financial modeling, and credit analysis techniques.
• Proven experience in credit analysis or underwriting within a banking environment.
• Familiarity with banking regulations and compliance requirements.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication skills.
• Proficiency in Microsoft Office Suite and financial analysis software.
• Attention to detail, with the ability to work under pressure.
Competencies:
• Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance.
• Collaboration: Cooperates with others to establish priorities and develop work plans; Cooperates with team members to complete tasks assigned to the team; consistently contributes to group discussions and shares information.
• Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; effectively handles situations with moderate degree of tension, conflict and/or distress.
• Decision-Making: Exercises good judgment in situations when data is limited and the solution may be unclear; Makes appropriate decisions in given time restraints; demonstrates the ability to weigh factors and perceive impacts and implications of personal decisions in situations.
• Organizational Awareness: Understands the mission and functions of the organization; Demonstrates in-depth knowledge of organizational policies, procedures, rules, regulations impacting the organization, and guidelines; Educates others on organizational programs and policies; Aware of the key stakeholders, decision-makers, and power dynamics within the organization.
• Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; willingly accepts new or additional responsibilities.
Qualifications
Education and Experience:
Required:
Bachelor's degree in Finance, Accounting, Economics, or a related field and 1-2 years of related experience required.
Preferred:
3-5 years of experience in credit analysis or underwriting within a banking environment preferred.
Certification in Credit Risk (e.g., CRISC, FRM) or similar professional certifications.
Experience working with loan products or in specialized industries such as real estate, manufacturing, etc.
$30k-37k yearly est. 6d ago
Compliance and BSA Officer
Bryant Bank 4.1
Bryant Bank job in Birmingham, AL
Bryant Bank's Compliance and BSA Officer is responsible for overseeing the Bank's Consumer Compliance Program in its entirety. This is a high-level management position. The ideal candidate will have extensive experience in bank compliance program management, including identifying and communicating laws and regulations applicable to the Bank's businesses; establishing training programs for applicable laws, regulations, Bank policies and procedures; collecting and analyzing corporate compliance data and monitoring results; providing feedback to business units regarding their compliance activities; recruiting and managing qualified staff; reporting to line management and the Board of Directors. This position is responsible for ensuring the CRA Program complies with all aspects of the FDIC's CRA Regulation Part 345, as well as the Bank Secrecy, USA PATRIOT Act, and OFAC rules. This position acts as liaison with other areas of the Bank and federal agencies as needed.
Position Requirements
Oversee and manage bank's compliance functions, including BSA/AML program, mortgage compliance, lending compliance, compliance monitoring, CRA program, and compliance program support
Supervise compliance department staff; manage staff priorities and work product
Organize, plan, monitor, and execute the surveillance and examination and audit of compliance, BSA/AML and CRA-related policies and procedures to ensure that all the processes and procedures in the Bank are in compliance with the appropriate statues and regulations
Serve on relevant committees including Risk Management, Consumer Pricing, and Mortgage Risk; participate as a project team member on key bank projects and initiatives
Coordinate with Management to monitor CRA-related activities in connection with the Bank's established benchmarks and goals
Develop, execute, and monitor the new and existing compliance and CRA activities, programs that are designed to ensure all areas of departments and the Bank are compliance with applicable laws and regulations
Ensure that all government, regulatory, and compliance reports, CRA and fair lending analyses and documents are compiled and completed accurately as required
Respond to compliance- and CRA-related inquiries, questions from other departments and organize the support for problem solving
Identify regulatory trends, developments, and reporting requirements, and execute any required changes to current policies and practices
Qualifications
Qualifications
Bachelor's degree in accounting, finance, legal or a related field is required
10 or more years' of regulatory compliance experience in banking and/or financial services
Minimum 7 years of management experience required
Extensive knowledge of compliance and regulatory concepts, practices and methodologies
Extensive ability to read, analyze and interpret government regulations, trade journals and legal documents
Must be able to respond to common inquiries from regulatory agencies and outside consultants
Strong technical knowledge of banking business
Knowledge of federal statutory and regulatory framework
Strong quantitative background
Strong ability to work in a complex team environment requiring exceptional communication and organizational skills
Leadership experience in enhancing/managing a compliance risk management program in a fast-growth environment
Ability to influence/motivate others to produce desired results
Ability to operate effectively in a fast-paced environment
Proficient in Microsoft Excel and Word
$54k-76k yearly est. 6d ago
Loan Specialist II - Due Diligence
Servisfirst Bank 4.0
Birmingham, AL job
Job Description
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Loan Specialist II - Due Diligence is responsible for assembling loan documentation for commercial and consumer loans in accordance with regulatory requirements and Bank policy. Loan packages must be prepared accurately and forwarded for further processing in a timely manner in order to ensure quality service and minimize inconvenience to the customer. Because of market volatility and spikes in loan volume, the Loan Specialist II must be able to work under deadline pressure while still ensuring accuracy.
The incumbent will:
Review submitted pre-closing nCino Doc Prep Memo or nCino Credit Memo and documentation to ensure all documents necessary to process the loan have been received and address all outstanding exceptions
Review and clear existing collateral exceptions on renewal loans prior to moving to Doc Prep
Ensure all loan requests include proper approval to include aggregate debt, floors and fee waiver approvals
Review in-house loan documentation for commercial, consumer and real estate loans in accordance with Bank policy and regulatory requirements, within 12 hours of receipt of completed supporting documentation package, to include complex loans
Utilize external websites and vendors to acquire information to complete required information for loan packages
Ensure all internal systems (nCino, Footprints, etc.) are updated in a timely manner
Upon satisfactory documentation completion of loan package, submit to Doc Prep for review
Train new hires and cross train all existing employees
Maintain process manual on shared drive and compose procedures for any new processes
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
High school diploma or equivalent
Three (3) or more years of related experience
Extensive commercial and consumer loan documentation experience to include knowledge of collateral perfection and related regulations
Excellent understanding of credit administration procedures as demonstrated in previous position gathering and assembling loan documents
Experience working with no supervision while performing duties
Excellent organizational and time management skills, as demonstrated by experience meeting deadlines
Experience working with Microsoft Word and Excel
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sitting at a desk or workstation for long periods of time.
Occasionally lifting and/or moving materials that weigh 1 to 25 pounds.
Frequently typing using a keyboard and/or calculator.
Normal office environment with constant comfortable temperatures and exposure to low noise level (e.g., faxes, phones, printers, etc.).
EOE/AA
$27k-63k yearly est. 26d ago
Summer Internship- Credit Analyst
Servisfirst Bank 4.0
Huntsville, AL job
Job Description
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Credit Analyst Intern is responsible for determining the creditworthiness of potential clients based on financial statements, borrowing history and market conditions. The analyst uses tools such as financial models, credit reports and key ratios to prepare appraisals which are provided for purposes of loan review and approval, as well as to determine terms of the loan.
The incumbent will:
Assist in updating electronic credit files by imaging related loan and financial documents
Assist in conducting financial analysis and underwriting of credit for new loan requests and loan maturities
Contact Loan Officers to request necessary financial information for analysis such as balance sheets, tax returns and financial statements
Assist in determining the strength and/or weakness of the client's credit to determine the terms of the loan
Run reports that show past or current maturities and request necessary information
Generate and compile various monthly reports including but not limited to past due loans, maturing loans, collateral exception reports, outstanding appraisal fees, loan type summaries and internal credit administration auditing
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned
MINIMUM QUALIFICATIONS
Undergraduate student majoring in Finance, Accounting, Economics or a related field
Excellent written and verbal communication skills
Experience using Microsoft Outlook, Word and Excel
Experience in a position requiring attention to detail and data analysis
Excellent organizational skills and ability to multi-task
Ability to work independently with little supervision
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained standing and sitting
Frequent use of PC, including typing or sustained attention to monitor
Occasional lifting of basic office files or equipment up to 20 lbs
Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$32k-45k yearly est. 16d ago
Teller
Bryant Bank 4.1
Bryant Bank job in Tuscaloosa, AL
At Bryant Bank, we aspire to provide legendary service to our customers. The Teller works on the front line of our operations, performing a variety of transactions to assist customers with their financial needs.
Essential Duties and Responsibilities:
Receives and accepts deposits and loan payments, confirming accuracy of transaction
Cashes checks and disburses funds after verifying signatures and sufficiency of funds to support withdrawals
Evaluates checks to verify dates, identification of persons receiving payments, bank names, and legality
Enters transactions in bank's recordkeeping system, recording all transactions and producing customer receipts
Maintains a cash supply and currency to meet daily needs
Balances all monies in cash drawers accurately at the end of shifts
Uses relevant information and judgment to determine whether events or processes comply with laws, regulations, or standards
Identifies and capitalizes on opportunities to promote new banking services
Develops constructive and cooperative working relationships with others, and maintaining them over time
Maintains a work area that ensures the safety of all negotiables and confidential records
Performs other related duties as assigned
Qualifications
Knowledge/Skills/Abilities:
Customer and Personal Service - knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction
Mathematical Reasoning - the ability to choose the right mathematical methods or formulas to solve a problem
Organizing, Planning, and Prioritizing Work - Developing specific goals and plans to prioritize, organize, and accomplish your work
Integrity - job requires being honest and ethical
Dependability - job requires being reliable, responsible, and dependable, and fulfilling obligations
Attention to Detail - job requires being careful about detail and thorough in completing work tasks
Communication - the ability to communicate information and ideas in speaking and writing so others will understand
Teamwork - work with co-workers in a friendly, non-competitive environment while being pleasant with others on the job and displaying a good-natured, cooperative attitude
Education:
High school diploma or GED required
Experience:
Cash handling and customer service focused experience required. Preference for proven work experience
Physical Requirements:
Must be able to lift up to 15 pounds at times
May need to stand for long periods of time
$30k-36k yearly est. 6d ago
Branch Manager
Servisfirst Bancshares 4.0
Huntsville, AL job
At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Branch Manager is responsible for the overall management of the branch, including achieving sales goals; actively participating in selling and delivering all financial services provided by the Bank; managing the daily operations of the branch; resolving service related issues; promoting business for the Bank; and supervising the daily activities of branch personnel.
This position helps the branch deliver exceptional quality customer service through opening accounts, responding to client requests, resolving service issues and providing work direction and coaching to other branch personnel as necessary. The Branch Manager has ultimate responsibility for the performance of the assigned branch.
The incumbent will:
* Monitor overall productivity of the branch and progress toward performance goals
* Coordinate sales activities and support Bank promotions within the branch
* Review daily transactions to ensure accordance with rules and regulations of government agencies, regulatory bodies and securities exchanges
* Analyze operations to determine areas where cost reductions could be implemented or program improvements initiated
* Follow procedures for custody and control of assets, records, loan collateral and securities to ensure safekeeping
* Attend all sales and product knowledge training and promotional meetings offered in order to keep current on all issues
* Maintain knowledge of Bank policies and procedures
* Perform duties to satisfy auditing issues
* Assure that all branch general ledger accounts are maintained and reviewed daily, and that cash is in balance
* Perform activities to deepen and enhance existing relationships as well as to establish new client relationships
* Train and keep personnel informed on operational issues
* Manage weekly personnel work schedules to ensure business needs are met
* Review and approve completed timecards to ensure that work times are recorded accurately
* Maintain and compile attendance records for all branch personnel
* Perform personnel actions including performance evaluations, disciplinary actions and interviewing candidates for employment; supervise the daily activities of the branch including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training
* Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
* Undergraduate degree in finance or related field preferred
* High School diploma or equivalent required
* Four (4) years of work experience, demonstrating progressive responsibility including management responsibilities
* One (1) year banking or closely related financial services experience
* Personal Banking/New Account and Supervisory experience preferred
* Knowledge of bank operations and products
* Knowledge of basic accounting
* Knowledge of and training on federal and state consumer compliance laws
* Ability to review account information and assess client needs to recommend appropriate Bank products, as demonstrated in previous banking position
* Experience using Microsoft Outlook, Word and Excel
* Excellent communication skills, as demonstrated in previous position interacting with customers
* Excellent customer service skills
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
* Sustained standing and sitting
* Frequent use of PC, including typing or sustained attention to monitor
* Occasional presentations requiring public speaking to small groups
* Occasional lifting of basic office files or equipment up to 20 lbs
* Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$42k-55k yearly est. 57d ago
Mortgage Loan Officer
Bryant Bank 4.1
Bryant Bank job in Hoover, AL
The Mortgage Loan Officer is responsible for helping customers achieve their homeownership and financial goals by providing expert guidance throughout the mortgage lending process. This role will independently originate, evaluate, and manage mortgage loan applications in accordance with bank policies, investor requirements, and federal regulations. The ideal candidate brings extensive industry experience, a proven production history, and strong referral relationships.
Essential Duties and Responsibilities:
Independently originate and evaluate mortgage loans in compliance with bank guidelines, underwriting standards, and secondary market requirements.
Manage a high-volume pipeline while meeting multiple and sometimes competing deadlines.
Maintain strong working knowledge of compliance requirements, including ATR/QM and TRID.
Proactively develop new business through existing customers, referral partners, and community relationships.
Maintain and grow a high-quality, self-sourced portfolio of mortgage production.
Performs other related duties as assigned
Qualifications
Knowledge/Skills/Abilities:
Ability to build, grow, and sustain long-term business relationships with realtors, builders, financial advisors, and customers.
Excellent verbal and written communication skills with the ability to provide clear guidance to borrowers.
Advanced knowledge of residential mortgage products, including Conventional, FHA, and VA loans.
Strong understanding of mortgage industry regulations, underwriting requirements, secondary market standards, and investor guidelines.
Highly organized with the ability to prioritize tasks, manage multiple deadlines, and work independently in a fast-paced environment.
Strong sales skills with the ability to generate, nurture, and convert leads.
Competencies:
Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance.
Collaboration: Cooperates with others to establish priorities and develop work plans; Cooperates with team members to complete tasks assigned to the team; Consistently contributes to group discussions and shares information.
Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; Effectively handles situations with moderate degree of tension, conflict and/or distress.
Decision-Making: Exercises good judgment in situations when data is limited and the solution may be unclear; Makes appropriate decisions in given time restraints; Demonstrates the ability to weigh factors and perceive impacts and implications of personal decisions in situations.
Organizational Awareness: Understands the mission and functions of the organization; Demonstrates in-depth knowledge of organizational policies, procedures, rules, regulations impacting the organization, and guidelines; Educates others on organizational programs and policies; Aware of the key stakeholders, decision-makers, and power dynamics within the organization.
Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; Willingly accepts new or additional responsibilities.
Education and Experience:
Bachelor's degree and substantial experience in mortgage lending or an equivalent combination of education and experience.
Minimum 5-7 years of experience in mortgage loan origination or mortgage banking required.
Prior experience in a bank environment or with portfolio lending is a plus.
Certifications/Licenses:
Must be registered, or eligible for registration upon hire, with the Nationwide Mortgage Licensing System (NMLS).
$36k-46k yearly est. 5d ago
Client Associate
Servisfirst Bank 4.0
Birmingham, AL job
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Client Associate position provides administrative support to Bank Officers, assisting with responses to client requests, scheduling appointments, coordinating resources and gathering loan documentation and related reports as needed. Assignments will depend on the local region and the individual needs of officers, who require varying degrees of assistance depending on specialty (commercial loans, executives, management duties) and technical knowledge (ex., some officers manage their own calendars, some delegate to an assistant).
The incumbent will perform duties in the following areas:
Interact directly with clients and vendors to obtain necessary loan documentation (title companies, attorneys, business owners, etc.)
Examine documents to identify missing, incomplete, or inconsistent information such as signatures, notarization, initials, terms, etc.
Prepare and submit loan packages for underwriting, further approval, or closing, depending on type of loan and needs of officer
Provide ongoing relationship servicing with current clients to maintain goodwill and gain additional business
Respond to telephone and email inquiries on behalf of the officer
Coordinate responses among multiple parties as needed, serving as a single point of contact
Advise the officer of client requests and seek officer approval in cases of fee waivers, overdrafts, etc.
Schedule events such as meetings, conferences, sales appointments, etc.
Prepare reports and distribute as appropriate
Reserve and coordinate resources (conference rooms, catering, PCs, reports, presentations) on behalf of office
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned
MINIMUM QUALIFICATIONS
High school diploma or equivalent; some college preferred
Administrative experience; financial services environment preferred
Experience interacting directly with clients/vendors/management/directors responding to requests and researching/resolving issues
Proficient with Microsoft Outlook, Word, Excel and PowerPoint
Experience coordinating shared resources and working successfully with team members
Knowledge of loan documents, approval process and general Bank policies and procedures
Excellent organizational and time management skills, as demonstrated in experience handling multiple tasks and client requests within deadline
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained standing and sitting
Frequent use of PC, including typing or sustained attention to monitor
Occasional lifting of basic office files or equipment up to 20 lbs
Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$33k-44k yearly est. Auto-Apply 1d ago
Balancing Specialist
Bryant Bank 4.1
Bryant Bank job in Birmingham, AL
Job Title: Loan Operations Balancing Specialist
100% In-Office, Full-Time- Operations Center; Homewood, AL
The Balancing Specialist is responsible for ensuring the accurate daily reconciliation and balancing of general ledger (GL) accounts and demand deposit accounts (DDA). This position plays a critical role in maintaining the financial integrity of loan operations by identifying and resolving discrepancies, ensuring regulatory compliance, and supporting month-end and year-end closing processes.
Essential Duties and Responsibilities:
Daily Balancing & Reconciliation
Perform daily balancing of general ledger accounts and demand deposit accounts to
ensure accuracy and completeness
Reconcile GL accounts to subsidiary ledgers and identify variances
Research and resolve out-of-balance conditions, posting errors, and account discrepancies in a timely manner
Review and balance daily transaction reports, including deposits, withdrawals, transfers, and adjustments
Verify that all transactions are properly posted and coded to the correct accounts
Maintain UCC and appraisal invoice worksheets for payment
Identify and log bank absorbed and processing fees
Problem Resolution & Analysis
Investigate and resolve discrepancies between core banking system records and GL balances
Identify trends or recurring issues and recommend process improvements
Work with lenders and loan assistants to correct errors and prevent future occurrences
Document all research and resolution activities for auditing purposes
Reporting & Documentation
Maintain detailed records of all reconciliation activities and exception items
Assist with month-end and year-end closing procedures
Support internal and external audit requests by providing documentation and explanations
Compliance & Controls
Ensure all balancing procedures comply with bank policies, regulatory requirements, and internal controls
Maintain confidentiality of customer and bank financial information
Follow established FDICIA procedures for segregation of duties and dual control
Stay current on regulatory changes affecting account reconciliation and reporting
Collaboration & Support
Coordinate with branch staff, lending officers, and other operations personnel to resolve account issues
Provide backup support for other operations functions as needed
Performs other related duties as assigned
Qualifications
Knowledge/Skills/Abilities:
Strong understanding of general ledger accounting principles and bank reconciliation processes
High attention to detail with excellent analytical and problem-solving skills
Proficiency in Microsoft Excel (including formulas, pivot tables, and VLOOKUP functions)
Experience with core banking systems; Experience with Jack Henry products is a plus
Strong organizational skills with ability to manage multiple priorities and meet daily deadlines
Excellent mathematical aptitude and ability to work with large volumes of numerical data
Effective written and verbal communication skills
Ability to work independently with minimal supervision
Detail-oriented with a commitment to accuracy
Self-motivated and dependable
Professional demeanor and strong work ethic
Team player with collaborative mindset
Adaptable to changing priorities and procedures
Competencies:
Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance.
Collaboration: Works with project team members to summarize progress in preparation for briefings; Volunteers to assist others with excess work; Contributes to group discussions.
Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; Effectively handles situations with moderate degree of tension, conflict and/or distress.
Decision-Making: Exercises good judgment in situations where there are clear and straightforward answers; Understands when it is appropriate to make decisions independently vs. when it is appropriate to seek advice from higher level; Occasionally seeks guidance from others when faced with adversity.
Organizational Awareness: Demonstrates general knowledge of the mission and functions of the organization; Demonstrates basic knowledge of and adheres to the organization's policies, procedures, rules, regulations impacting the organization, and guidelines; Stays current with organizational programs and polices; Understands the company's organizational structure and key departments/functions.
Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; Willingly accepts new or additional responsibilities.
Education & Experience:
High school diploma or equivalent required; Associate's degree in Accounting, Finance, or related field preferred
Minimum 2 years of experience in banking operations, accounting, or financial reconciliation
Experience with GL and DDA account balancing preferred
Physical Requirements & Work Environment:
Ability to sit for extended periods while working at a computer workstation
Ability to view computer screens and review detailed financial reports
Standard office environment with minimal physical demands
$41k-50k yearly est. 7d ago
Credit Analyst
Servisfirst Bank 4.0
Huntsville, AL job
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Credit Analyst is responsible for determining the creditworthiness of potential clients based on financial statements, borrowing history and market conditions. The analyst uses tools such as financial models, credit reports and key ratios to prepare appraisals which are provided for purposes of loan review and approval as well as to determine terms of the loan.
The incumbent will:
Conduct financial analysis and underwriting of credit for new loan requests and loan maturities
Contact Loan Officers to request necessary financial information for analysis such as balance sheets, tax returns and financial statements
Determine the strength and/or weakness of the client's credit to determine the terms of the loan
Run reports that show past or current maturities and request necessary information
Occasionally prepare underwriting/credit memos after collecting all financial information and circulating memos for approvals from the appropriate parties
Generate/compile various monthly reports including but not limited to past due loans, maturing loans, collateral exception reports, outstanding appraisal fees, loan type summaries and internal credit administration reporting
Generate/compile the board report and other various ad hoc reports as requested
Track borrowing base and marketable securities
Maintain and update nCino system
Respond to subpoenas dealing with credit information
Order appraisals, conduct appraisal reviews and serve as liaison for appraisal vendors
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned
MINIMUM QUALIFICATIONS
Bachelor's degree in Finance, Accounting or a related field
Minimum two (2) years' experience in financial analysis, banking or a related field
Excellent written and verbal communication skills
Experience using Microsoft Outlook, Word and Excel
Experience in a position requiring attention to detail and data analysis
Excellent organizational skills and ability to multi-task
Ability to work independently with little supervision
Working knowledge of collateral instruments (i.e. letter of credit, UCC filings, and personal/corporate guarantees)
RMA and/or Moody training is a plus
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained standing and sitting
Frequent use of PC, including typing or sustained attention to monitor
Occasional lifting of basic office files or equipment up to 20 lbs
Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
$48k-70k yearly est. Auto-Apply 4d ago
Financial Systems Analyst
Servisfirst Bank 4.0
Birmingham, AL job
At ServisFirst, Our Name is Our Mission.
DUTIES AND RESPONSIBILITIES
The Financial Systems Analyst serves as loan origination system administrator and prepares reports by collecting, analyzing and summarizing information. Financial Systems Analysts is responsible for monitoring performance and quality control plans to identify improvements. As administrator, they provide technical strategy and direction to ensure that the application is effectively implemented and managed across our Sales, Marketing, Technical Services and Support, and Operations. This position offers best practices and recommendations for process integration, application development, deployment and ongoing enhancements of the platform.
The incumbent will:
Prepare reports by collecting, analyzing and summarizing information
Provide support to internal end-users of different systems
Work with management to prioritize business and information needs
Identify project requirements by interviewing business stakeholders, analyzing operations, determine project scope and documenting results
Create and maintain databases and management reports; analyze and interpret data to identify anomalies, trends and opportunities for improvements
Works under limited to moderate supervision to analyze and solve mildly complex operational and systems-related issues
May manage small projects requiring some coordination and/or contribution to task forces or project teams
Interpret data, analyze results using statistical techniques and provide ongoing reports
Develop and implement databases, data collection systems, data analytics and other strategies that optimize statistical efficiency and quality
Acquire data from primary or secondary data sources and maintain databases/data systems
Identify, analyze, and interpret trends or patterns in complex data sets
Filter and “clean” data by reviewing computer reports, printouts, and performance indicators to locate and correct code problems
Locate and define new process improvement opportunities
Create and manage custom objects, fields, formulas, validation rules, custom workflow, and approval processes
Design, document, build, test and deploy enhancements to nCino custom objects, page layouts, workflows, alerts, reports and complex dashboards
Maintain and utilize the test environment
Maintain user roles and profiles, security settings, access settings etc. (User Profiles, Role Hierarchy, Sharing Rules and Security)
Research changes in upcoming versions of nCino and other integrated applications
Provide recommendations when necessary to enhance efficiency and productivity
Develop and maintain report folders, dashboards, etc. to improve system usability
Maintain a holistic view of all business processes and users in the system to understand cross functional impacts regarding configuration, process, workflow and reporting
Lead user requirement sessions and document user requirements to address changing business needs
Take lead responsibility for the implementation of any statement of work for new functionality
Troubleshoot system issues by opening tickets and monitoring for resolution
Perform routine review of code, configuration, data, and usage to ensure long term viability, integrity, and adoption
Understand existing system reports, the functionality of each and how they support management initiatives
Create ad hoc reports as requested by management, sales and operations staff
Keeps management apprised of project status and creates a system to allow for the continuous flow of information among all business stakeholders
Change Management
Responsible for understanding and keeping abreast of regulatory changes that impact applicable systems and loan origination practices
Maintain records of all changes made to applicable systems including date change implemented and required approval for change
Maintain library of all business rules / credit policies
Maintain document libraries. Build custom documents, letters, email templates as requested
Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
BS in Mathematics, Economics, Computer Science, Information Management or Statistics
Strong analytical skills with the ability to collect, organize, analyze, and disseminate significant amounts of information with attention to detail and accuracy
Adept at queries, report writing and presenting findings
Fully proficient in Microsoft Office (Word, Excel and PowerPoint)
Familiarity with Salesforce and/or nCino
Familiarity with AS400 (IBM i Series)
Problem solving and investigative skills
Excellent organization and time management skills
Report writing, including charts, graphs, etc.
Aptitude for math and the ability to review and understand numeric data, graphs and statistics
Detailed and thorough
Able to work equally well on self-managed or team-oriented projects
Proactive and adaptable
Excellent communication skills - must be able to translate complex issues to multiple levels in the organization
Ability to multi-task, prioritize, and work accurately, flexibly and efficiently under pressure
Analytical mind with a problem-solving aptitude
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
Sustained standing and sitting
Frequent use of PC, including typing or sustained attention to monitor
Occasional lifting and/or moving equipment weighing up to 50 lbs
Normal office environment with comfortable internal temperatures and low-level noise
EOE/AA
$57k-78k yearly est. Auto-Apply 26d ago
Treasury Management Sales Officer
Servisfirst Bancshares 4.0
Birmingham, AL job
At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Treasury Management Sales Officer is responsible for developing business relationships with clients; promoting business for the Bank by providing exceptional quality customer service; and assisting in achieving established Bank goals through active participation in sales management as well as providing leadership, training and support to less experienced bank personnel. The Treasury Management Sales Officer will focus in particular on Treasury Management products, responding to referrals and serving as a subject matter expert in support of a full range of services offered to clients.
The incumbent will:
* Establish and provide training and service programs to orient clients in the operation and maintenance of Treasury Management products
* Demonstrate services and products to prospects, when appropriate, through personal meetings or as part of a coordinated, multi-product sales presentation
* Serve as liaison between current and potential clients and the Bank to resolve questions regarding Treasury Management products and services
* Attend sales meetings and contribute as appropriate
* Keep abreast of changes which might affect sales in assigned territory
* Maintain account records, prepare sales call reports and ensure the accuracy of agreements
* Initiate client relationships and also accompany relationship sales officer/manager on selling missions
* Secure and renew orders, arrange delivery dates and coordinate order fulfillment of other treasury management products
* Maintain contact with and service key accounts
* Promote satisfactory client relations via follow-up and check-in calls
* Work closely with bank personnel to ensure prompt service to clients
* Provide field technical services to clients in compliance with service contract requirements
* Provide banking solutions to clients by cross-selling appropriate products
* Assist in preparation of proposals for new and existing contracts
* Visit clients within assigned territory and address engineering or servicing problems
* Conduct and/or attend quarterly Treasury Management departmental meetings
* Conduct supervisory responsibilities in accordance with the organization's policies and applicable laws, including employee selection, appraisal, and management
* Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
* Bachelor's degree preferred
* Five (5) or more years of related experience
* Intermediate experience, knowledge and training in branch operation activities, terminology and products and services relating to retail and commercial account customers preferred
* Working knowledge of Microsoft Outlook, Word, Excel and PowerPoint
* Previous Internet Banking and Deposit Operations experience preferred
* Knowledge of bank operations and products as well as basic accounting
* Excellent customer service skills
* Ability to deal with difficult issues involving multiple facets and variables in non-standardized situations
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
* Sustained standing and sitting
* Frequent use of PC, including typing or sustained attention to monitor
* Occasional presentations requiring public speaking to small groups
* Occasional lifting of basic office files or equipment up to 20 lbs
* Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
Zippia gives an in-depth look into the details of Bryant Bank, including salaries, political affiliations, employee data, and more, in order to inform job seekers about Bryant Bank. The employee data is based on information from people who have self-reported their past or current employments at Bryant Bank. The data on this page is also based on data sources collected from public and open data sources on the Internet and other locations, as well as proprietary data we licensed from other companies. Sources of data may include, but are not limited to, the BLS, company filings, estimates based on those filings, H1B filings, and other public and private datasets. While we have made attempts to ensure that the information displayed are correct, Zippia is not responsible for any errors or omissions or for the results obtained from the use of this information. None of the information on this page has been provided or approved by Bryant Bank. The data presented on this page does not represent the view of Bryant Bank and its employees or that of Zippia.
Bryant Bank may also be known as or be related to BRYANT BANK and Bryant Bank.