The BSA Data & Monitoring Junior will assist in supporting and expanding Amerant Bank's compliance testing functions. The role focuses on ensuring the bank complies with the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations. Key responsibilities include performing compliance testing, identifying and evaluating risks, analyzing data, and improving processes. The Junior Analyst will collaborate with teams to ensure accurate reporting, assist in the development of training programs, and stay updated on regulatory changes. This entry-level position requires strong analytical skills, proficiency in Excel, and a sound understanding of compliance regulations.Responsibilities:Assist in performing AML/BSA compliance testing to help mitigate regulatory risks and ensure adherence to applicable laws, regulations, and internal policies/procedures.Help identify and evaluate potential compliance risks, reporting findings to the BSA Management team.Assist in the review of business processes related to BSA/AML compliance, focusing on evaluating key controls and QA business functions.Support in identifying control gaps, trends, and potential risk areas to help mitigate future compliance concerns.Collaborate with cross-functional teams to improve processes, enhance data accuracy, and optimize compliance efficiencies.Conduct data analysis using advanced Excel techniques (e.g., pivot tables, VLOOKUP, and formulas) to support risk assessments and compliance reviews for the Bank’s Monitoring and Testing program.Assist in the creation and maintenance of data reconciliation processes for accurate reporting and alert generation.Assist in extracting actionable curated data to properly reconcile the Bank’s transaction monitoring system. Provide support to internal teams on policies and procedures, answering technical questions, and helping identify opportunities for control improvements.Monitor and assist in the testing of the BSA/AML program, including areas like customer identification (CIP), KYC/CDD/EDD, transaction monitoring and emerging topics of interest as delineated in the monitoring and testing program. Support the development and delivery of training programs on BSA/AML compliance topics.Stay up to date with regulatory changes and assist in maintaining the organization’s compliance programs.Provide regular updates on the status of compliance testing activities and help develop action plans for identified issues.Assist in compiling data metrics as needed from the Bank’s data mart to generate reports used in audits, examinations or adhoc reporting needs. Help prepare reports and presentations on compliance findings and assist in ensuring that corrective actions are completed on time.Perform additional duties as needed and directed. Minimum Education and /or Certifications:Bachelor’s Degree required, preferably in Finance, Business Administration, Economics, management, Data Analytics or relevant field. A plus to have any of the following certifications: Certified Anti-Money Laundering Specialist (CAMS), Certified Professional in Anti-Money Laundering (CPAML), AWS Certified Analytics – Foundational, Data Analyst Associate (Power BI), Azure Data Fundamentals (DP-900) or relevant data certification. Minimum Work Experience Requirements: 1-3 years of experience in the financial services industry, preferably in a compliance or risk management role. Internships or relevant academic projects in compliance, auditing, or risk management will be considered alongside professional experience.Technical and/or Essential Knowledge: Strong verbal, written communication, and organizational skills with the ability to summarize and present findings in a clear and concise manner. Training, presentation, and analytical skills. Independent thinker and ability to manage numerous tasks and sensitive information in a professional manner in a fast-paced deadline driven environment. Ability to work collaboratively with cross-functional units; ability to navigate a complex organization to influence people across cultures. Ability to manage confidential and sensitive information in a professional manner. Proficiency in MS Word, MS Excel, and MS PowerPoint are required. Bilingual English/Spanish preferred.Functional Skills & Knowledge:Must be a team player, ability to problem solve under pressure. Self-starter with proven ability to plan and work independently. High level of professionalism, self-motivation, and sense of urgency; ability to re-prioritize work as the immediate needs of the business change. Ability to work with cross-functional teams to ensure collaboration and effective results. Ability to recognize the need for change management initiatives, and the ability to lead while maintaining and driving engagement throughout the team. Attention to detail and accuracy is a plus.
The AML Monitoring and Testing Officer is responsible for the compliance testing performed at the Amerant Bank, N.A. and its affiliated entities, including Amerant Investments, Inc. and Amerant Trust, N.A. including creation, implementation, and maintenance of the compliance testing program. A portion of this position will focus on enhancing data quality and participating in systems implementation for the BSA department. This role will identify deficiencies in the compliance program and recommendations for remediation, and report to the direct team leader. Maintain a detailed knowledge of all applicable BSA/AML and OFAC sanctions related laws, regulations, regulatory changes, industry guidance, trends and emerging areas of concern.Responsibilities:Assist the Compliance Risk Strategy/Planning Officer in expanding and maintaining of the BSA/AML and OFAC compliance testing function at Amerant Bank, N.A. and its affiliated entities, including Amerant Investments, Inc. and Amerant Trust, N.A.Perform AML/BSA/OFAC compliance testing to mitigate exposure to regulatory sanctions, fines, and penalties, and ensure compliance with federal and state regulations and organizational policies and procedures.Identify, evaluate, and report to the BSA Management any current or prospective risks from potential violations of, or nonconformance with laws, rules, regulations, and prescribed practices. Work in collaboration with AML Risk Strategy & Planning Officer to review business processes within BSA Compliance and evaluate key controls or QA business functions to ensure effectiveness.Identify control gaps, trends, themes, tendencies that indicate risks and facilitate deep dives into any significant current or emerging risk areasCollaborate with cross-functional teams to drive process improvements, enhance data accuracy, and increase overall compliance efficiency.Provide recommendations based on data analysis and assist in the implementation or enhancement of any system used by the BSA department.Conduct thorough data analysis using advanced Excel techniques, including pivot tables, VLOOKUP, macros, and complex formulas, to assess trends and potential risk areas for each respective testing review.Assist the Compliance Risk Strategy/Planning Officer in the creation of a data reconciliation process to ensure data extraction, curation and reconciliation are conducted for proper reporting and generation of alerts. Act as a Subject Matter Expert from a policies and procedures perspective, supporting adjacent units for technical questions or requests with the ability to use the knowledge to proactively improve controls in place. Mitigate exposure to losses by identifying and evaluating risk controls; providing compliance review results; and make recommendations to improve internal controls.Identify, evaluate, and monitor recommendations to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards. Ensure appropriate testing and assessment of BSA/AML and OFAC compliance related functions and system of internal controls, including but not limited to:Compliance with customer identification requirements (“CIP”)Compliance with Know Your Customer (“KYC”) and Customer Due Diligence (“CDD”) and Enhanced Due Diligence (“EDD”) functionsRisk assessment of the BSA/AML/OFAC Compliance ProgramTraining programAccuracy and timeliness of CTR reportingRecordkeepingPolicies, procedures, systems, and processes for transaction monitoring, investigation, and suspicious activity reportingList filtering (e.g., OFAC, Section 311, etc.)Quality assurance testing and documentationCompliance with information sharing requirementsEscalate any significant deficiencies in the BSA/AML and OFAC compliance program. Communicate with management regarding ongoing compliance testing activities and develop timelines.Work with relevant stakeholders to create corrective action plans, as needed, based on compliance testing results.Ensure that corrective actions plans are completed in a timely manner.Deliver training as required.Assist in the review of the BSA/OFAC Risk Assessment and MLR and make recommendations.Keep abreast of all pertinent regulatory changes and maintain knowledge of past, current, and emerging compliance regulations relating to BSA/AML and OFAC.Perform other duties as assigned.Minimum Education and /or Certifications:Bachelor’s Degree required, preferably in Finance, Business Administration, Economics, management or relevant field, Certified Anti-Money Laundering Specialist (CAMS), Certified Professional in Anti-Money Laundering (CPAML) or AML/BSA/OFAC certifications.Minimum Work Experience Requirements:4+ years in the financial services industry, preferably in anti-money laundering compliance in an international banking environment or other related experience such as risk management, internal audit (i.e., conducting BSA/AML and OFAC Independent Reviews), or similar control-related experienceTechnical and/or Essential Knowledge: Strong verbal, written communication, and organizational skills with the ability to summarize and present findings in a clear and concise manner. Training, presentation, and analytical skills. Independent thinker and ability to manage numerous tasks and sensitive information in a professional manner in a fast-paced deadline driven environment. Ability to work collaboratively with cross-functional units; ability to navigate a complex organization to influence people across cultures. Ability to manage confidential and sensitive information in a professional manner. MS Word Advanced, MS Excel Advanced, and MS PowerPoint Advanced are required. Bilingual English/Spanish preferred. Experience with SQL, Python, or other data analysis tools is a plus.Functional Skills & Knowledge: Must be a team player, ability to problem solve under pressure. Self-starter with proven ability to plan and work independently. High level of professionalism, self-motivation, and sense of urgency; ability to re-prioritize work as the immediate needs of the business change. Ability to work with cross-functional teams to ensure collaboration and effective results. Ability to recognize the need for change management initiatives, and the ability to lead while maintaining and driving engagement throughout the team. Attention to detail and accuracy is a plus.
Establish and help the creation and deployment of Procurement roadmap initiatives and program maturity opportunities. Continuously improve Procurement and Third-Party Risk functions and infrastructure needed to delivery against our Vision and Mission at Amerant Bank. On an ongoing basis, direct and champion Vendor, Contract, Sourcing, Category, Risk management activities across the company, collaborating closely with company’s teams, leaders, partners, stakeholders, and vendors in pursuit of sustainable procurement and vendor management practices that improve key relationships and reduce total cost of ownership. Incremental improvements in the quality and service levels of key vendors and continuous mitgiation of Key Risk Indicators.Responsibilities:The Procurement Program Manager’s (PPM) primary responsibility is the development, deployment, management, and performance reporting of maturity opportunities throughout the spectrum of Procurement and Third-Party Risk projects. Balancing the dual responsibility of Program Management and Operational Delivery while always being mindful of risk mitigation. This delivery and reporting may include Financial Impacts, Risk Mitigation, Service Delivery and Overall Procurement delivery by key personnel and vendors of the Bank. By actively managing maturity and projects to enhance the overall effectiveness of PTPRM Group and across the company. The PPM is the accountable leader for regulatory compliance activities, projects and policies related to management of key Procurement practices. As the leader responsible for Program Delivery and Operational excellence efforts, the PPM has the following specific responsibilities-Assess Program, Project and PTPRM Issues: The PPM will work closely with the Amerant team members, key service provider representatives, and within the boundaries of approved policies to execute, monitor and report on all current, past, and future deliver efforts and continuous improvement initiatives. Seek agreement on the best methods and options for resolving any issues, and to monitor ongoing effectiveness of all processes.Lead review efforts: The PPM will prepare a portfolio of revolving report packages, presentations, and communications related to key program delivery and Procurement Operations and serve as lead point of contact for audit, examination, risk, and control reviews. These reports will provide specific issues, areas of concern, and points of achievement within the existing PTPRM functions. Reports will be presented to the senior management committee and used as evidence during audits and examinations.Set standards/procedures: The PPM must keep abreast of best practices/new supply management developments and take steps to ensure that the company is implementing such practices where appropriate. Where necessary, and, in concert with Stakeholders, the PPM will develop guidelines, procedures, and standards for system and organizational wide PTPRM activities. These activities should cover, but not be limited to:Development of reports to track SLA, KPI and actual versus expected outcomes of key programs and projectsInstitution-wide reporting and data review of PTPRM activitiesInterfaces with members organization-wide and contributes to successful strategic partnerships.Service level agreements and other performance measurement mechanisms to assess the overall efficiency and effectiveness of programs and projects.Center of communication throughout company, with education and PTPRM associates and review teamsCompliance with all regulatory and audit guidelinesRepresent Procurement and Third Pary Risk: The PPM will promote and participate in company-wide committees and task forces as required to ensure that procurement’s input should be considered when major corporate decisions and initiatives (e.g., new product development, new or renewal decisions of vendors, business acquisitions) are made.Integrate PTPRM Functions with Educational programs: The PPM will work to seamlessly integrate educations, annual attestations, and new hire orientation materials, in conjunction with HR. The PPM will manage educational reporting and compliance of PTPRM procedures. Program Management: The PPM will oversee the overall management of strategic initiatives including latest programs, policies, procedures as well as continuous improvement opportunities.Manages and oversees the entire Program of maturity and opportunity or improvement projects and processes in conjunction with other pertinent business units such as Legal, Operations, Information Technology and Line of Business throughout the BankEnsures compliance with Regulatory Compliance framework issued by the Office of the Comptroller of the Currency (“OCC”), specifically Bulletin 2023-17 and other relevant guidance issued from time to time.Prepare and deliver presentations on Strategic PTPRM ProgramsProvide direction and training to the business units in executing PTPRM processes.Optimize relationships throughout the Bank, financial and quantitative analysis, risk management, and providing recommendations on areas of improvement.Serve as main point of contact for all PTPRM Program information, as well as key PTPRM data points. Execute Continuous Improvement (CI) Cycles for owned Process. The PPM along with reporting managers will be responsible for identifying and executing continuous improvement initiatives. The CI approach will encompass a wide range of activities such as:Review teams for specific items/categories targeting two aims: impact (cost and quality) and process improvements.Supplier management and development, including a “score-carding” capability that measures the top-tier suppliers’ performance on cost, quality, and time dimensions.Working Capital management including aggressive pursuit of timely payment discounts and vendor-provided customer billing, maximum penetration of web-enabled ordering, and invoice matching and error resolutionVerification and matching of invoices to contracts including working with users to ensure actual pricing received matches previously agreed upon contracts.Strategic Vendor Management. The PPM may share responsibility for the overall management of strategic vendor relationships including contract performance.Manages and reports on the strategic relationships in conjunction with other pertinent business units such as Legal, Operations, Information Technology and Line of Business throughout the BankEnsures compliance with Regulatory Compliance framework issued by the Office of the Comptroller of the Currency (“OCC”), specifically Bulletin 2023-07 and other relevant guidance issued from time to timePrepare and deliver presentations on Strategic Vendor relationshipsProvide direction and training to the business units in executing the performance management processesOptimize vendor relationships through contract management, financial and quantitative analysis, relationship management, and providing recommendations on areas of improvementServe as main point of contact for all third-party vendor risk management information, as well as key contractual data points for any assigned relationshipsMinimum Education and /or Certifications:Bachelor’s degree and Professional Process Oriented Certification including, but not limited to; PMP, CPM, CCM, SCMMinimum Work Experience Requirements:7+ years of Vendor Management, Procurement Operations, and Third-Party Risk, Management preferably in a finance related industry or bankingFunctional Skills & Knowledge:Procurement Operations, Vendor, Category, Contract and Third-Party Risk Management. Banking, Regulations, Sourcing and the inter-departmental relationship between Finance, Accounting and ProcurementTechnical and/or Essential Knowledge:Procurement, Third-Party Risk, Procurement Operations, Contract, Category Management, Procure to Pay, Contract Management. P2P and Risk Systems, MS Office
The Corporate Banking Relationship Manager III maximizes share of wallet and products penetration. Promotes and Cross-sells products and services with the objective of servicing, maintaining, developing new relationships, increasing bank revenues and identifying current and potential business opportunities for the Bank.Responsibilities:Promote and cross-sell various products and services through telephone calls, mailing notices and face-to face visits, with the objective of servicing, maintaining, developing new relationships, increasing the deposit and loan portfolio, increasing bank revenues and identifying current and potential business opportunities for the bank. Provide personalized attention to all bank customers in order to provide better service, attract and attain new customers and increase the presence of Amerant Bank, N.A. in the market.Know and increase customer's wallet share in order to retain them and keeping them engaged increasing their lifetime value.Develop and maintain Corporate Banking relationships with businesses established in their communities. Provide financial solutions to satisfy commercial business needs, establish new and/or developing existing deposit and loan relationships within this target market in order to achieve established production goals for assigned region.Extensive knowledge of credit and underwriting standards in accordance with the bank’s credit policy guidelines. The ability to evaluate, monitor, analyze, and control overall quality of existing credit portfolio, including related depository relationships and their activity; develop strategies to accommodate customer needs, focusing on adequate growth of relationships. Make recommendations for approval of lines of credit, owner occupied real estate, term loans, and other related credit products. Make presentations to Loan Committee when required for approval of commercial credit transactions. Approve loans and other banking transactions within lending authority.Evaluate and take action to adequately manage and control customer overdraft and uncollected funds transactions following approval limit guidelines in order to accommodate and service customers in a financially feasible and prudent manner, with minimum risk exposure to the bank. Review account activity to identify, evaluate, monitor and make any recommendation deemed necessary to the Business Manager in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, BSA, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards. Ensure that officers do business within the Bank’s policies and parameters, maintaining the desired level of exposure and risk with respect to BSA.Represent Amerant Bank, in different community and economic development activities such as business chambers and community related associations (i.e.: Chamber of Commerce, etc.). Minimum Education and/or Certifications Requirements:
Bachelor's Degree in Business, Finance or Accounting. Formal credit training Minimum Work Experience:
Seven or more years Corporate or Middle Market banking in the areas of business development and managing diversified lending relationships.
Technical and/or Other Essential Knowledge:
Proven commercial lending and credit experience, analyzing financial statements, reviewing loan documentation and administrationSuccessful track record in sales and business development
Effective verbal and written communication skills. Knowledge of commercial banking products and services
Proficient using MS Office, including MS Word, MS Excel, MS PowerPoint and Outlook. Must be knowledgeable of operations and credit guidelines and policy, BSA and other Banking regulations
Lead and oversee all credit related matters of the assigned region:Credit Analysis: Responsible for providing a sound, independent and objective assessment and recommendation on risk factors associated with Commercial and CRE loans in the assigned region. In addition, supervise assigned credit analysts in performing credit analysis, annual reviews, and provide weekly/monthly reports to management on pipeline, production & turn-times.Portfolio Management: oversee the team responsible for the maintenance of credit quality the portfolio administration and monitoring of credit quality for the Commercial and CRE loan portfolio in the assigned region. Including monitoring portfolio and individual loan relationship trends, including credit covenants, triggers, and exceptions.Responsibilities:Provide a sound, independent and objective assessment of risk factors associated with Commercial and CRE loans in the assigned region.Organize and supervise a team of credit analysts and provide guidance in order to produce timely and accurate credit recommendations to loan requests, while maintaining proper adherence to credit policy and banking regulations, as well as make recommendations on conditions/covenants relating to loan structures to adequately address the risk involved in the proposed loans.Underwrite & analyze large and/or complex loans assigned. Accurately review and measure the financial condition and operating performance of commercial and corporate enterprises. Ability to meet a minimum of one (1) financial analysis per week with a high degree of accuracy in terms of figures and credit risk assessment.Analyze and spread personal financial statements and personal tax returns in order to ascertain financial strength of individual guarantors. Conduct annual review of existing credit relationships; recommend changes in risk rating as deemed appropriate. This includes calculating covenant testing requirements as needed. Identify, track and monitor loan policy exceptions, review credits with loan covenants and verify compliance.Conduct site visits/inspections and report findings, as needed.Monitor the assigned portfolio for adherence to Bank policies relative to credit, collateral, and documentation exceptions. Recommended appropriate actions, if necessary.Weekly update of the credit analyses request pipeline, the assignment of credits to analysts and monitoring of their work to ensure that the established turnaround time is being met.Interact with Sponsors/Borrowers as well as Relationship Managers and Portfolio Managers to enhance the quality of information required for underwriting purposes. Acts as a consultant to business lines regarding credit issues, processes and procedures.Assist in the loan structuring process and review of legal covenants in conformity with the Bank’s policies and procedures. This also includes assisting Head of Segments and Relationship Managers in collaborating with other bank units such as Credit Administration, Loan Operations, Credit Services, Closing areas, and Credit Risk.Collaborate with Portfolio Management in the administration, monitoring, and renewal of upcoming maturities in a timely manner, processing of modifications, risk rating process (CARs), exceptions, covenants, as well as assisting in the identifying any "red flags" or problems within the portfolio.Operate the software systems for loan originations, modifications, annual reviews, and other presentations to senior management.Portfolio Management Role Responsible for coordinating and overseeing the portfolio management team for the assigned region with their assigned responsibilities:Provide transactional support in the loan approval process by assisting Relationship Managers with the creation of proposals, term sheets, and credit memos while maintaining clear understanding of the Bank’s credit programs and policy and its adherence. Also includes assisting Relationship Managers collaborating with other bank units such as Credit Administration, Loan Operations, Processing Unit, and Credit Risk to streamline processes and maintain accuracy of reports and credit quality of the portfolio. Reports to supervisor deviation from credit programs and policy.Coordinate and conduct analysis/underwriting functions, as needed. Provide support on new business activities by screening preliminary data and follow up in obtaining required documentation and conformity to credit underwriting policy of the bank. Prepare documentation, memos, and/or presentation (i.e. Term Sheet, PowerPoint presentations, etc.) as needed on behalf of the Relationship Manager.Coordinate and conduct annual review process of existing credit relationships; recommend changes in risk rating as deemed appropriate. This includes calculating covenant testing and risk rating trigger requirements as needed. Identify, track and monitor credit policy exceptions, review credits with loan covenants and verify compliance.Responsible for the administration and monitoring maturities, delinquencies, including criticized assets reports on a regular basis as well as assisting in the identifying any “red flags” or problems within the portfolio. Reports to supervisor portfolio issues and irregularities found in these reports.Coordinate and conduct site visits/inspections and report findings.Coordinate portfolio management activities with assigned team.General Role:Attend seminars and training sessions to keep abreast of changing regulations, as well as industry/market trends and conditions.Responsible of supervising, coaching, training, and mentoring other team members in order to enhance their knowledge of the position and provide better support to the Relationship Managers and other units of the Bank.Functions as a resource for business lines and works with senior management on various issues, as needed.Back up function for other operational roles performed in the department, as required by supervisor.Ability to identify, evaluate, monitor and make any recommendation deemed necessary to the supervisor in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules, regulations, prescribed practices, internal policies and procedures or ethical standards.Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.Participation in various appointed committees and/or outside organizations, representing both the Credit Services Unit and Bank.Minimum Education and/or Certifications Requirements:Bachelor’s degree in business, accounting or finance required. Master’s degree preferred OR 7+ years of commercial credit analysis experience in lieu of education. Formal credit training required.Minimum Work Experience Requirements:10+ years of professional experience in lending and credit analysis. Knowledgeable of banking products and documentation.Technical and/or Other Essential Knowledge:Thorough understanding of the Bank’s credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.
The Corporate Banking Relationship Manager IV is responsible for maximizing share of wallet and products penetration. Will also promote and cross-sell products and services with the objective of servicing, maintaining, developing new relationships, increasing bank revenues and identifying current and potential business opportunities for the Bank.Develop and maintain a portfolio of high quality, complex corporate relationships.Must have demonstrated experience in handling complex commercial loans of all types, including Asset based loans (ABL), local participations (purchased and sold), insured receivables financing, EX-IM and other foreign risk mitigation, owner occupied real estate loans. complex commercial loans of companies generating over $30MM in revenue.Cross sell other bank products to maximize customer relationships.Know and increase the Share of Wallet of a customer in order to retain them and keeping them engaged increasing their lifetime value.Actively participate in outside calling program/networking events designed to promote the image of the bank as an active commercial lender and to develop new business relationships.Refer business to other business units.Follow-up and resolve outstanding exceptions.Exercise prudent judgment in authorizing overdrafts and uncollected funds.Make presentations to senior management and loan committee.Maintain active contact with client base, meeting at least quarterly at their place of business.Maintain a current credit file, working in conjunction with credit services. In particular, ensure that contact memoranda are up to date and document the client’s current status.Support the bank’s CRA lending efforts. Participate as a board member on a non-profit organization.Assist junior officers in department with the analysis and evaluation of credit relationships.Prepares packages for loan committee presentations.Communicate to customers and prospects the approval or denial of credit requests.Review depository activity of clients to insure compliance with BSA.Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.Identify, evaluate, monitor and make any recommendation deemed necessary to the Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards.Minimum Education and/or Certifications Requirements: Bachelor’s degree in business administration, banking, finance or accounting. Minimum Work Experience Requirements: 10 years as a commercial lending officer, managing complex and diversified lending relationships. Experience in asset-based lending and in trade related lending is required. Successful demonstrated track record of business development. Technical and/or Other Essential Knowledge: MS Office Skills, including MS Word Advanced, MS Excel Advanced, MS PowerPoint Advanced, MS Project Level II and MS Visio Level I required. Banking regulations applicable to lending. Cash flow analysis. Functional Skills & Knowledge Requirements:Must be a team player, have the ability to work under pressure, have a professional image and be able to resolve problems and conflicts. Must be able to prioritize work and effectively manage time and have the ability to manage change. Must possess basic business communications skills such as advanced writing, listening and have basic office and mathematics skills, and customer service skills. Possession of professional skills such as report writing, advanced statistics, effective presentation skills, creative skills, budgeting, ethics management and conducting effective meetings and research assessment are required. Must possess sales and negotiation skills.
Lead a team of credit underwriting and portfolio managers to provide the bank with a sound, independent and objective assessment and monitoring of risks associated with the commercial & industrial loan portfolio, including evaluating and managing the creditworthiness of clients by analyzing financial statements and making informed lending decisions on credit requests, as well as monitoring the credit quality of the portfolio.Responsibilities:Manage a team of credit underwriting/portfolio managers and provide guidance to produce timely and accurate credit recommendations to credit requests, including new and existing loans, increases and modifications, annual reviews and covenant compliance, while maintaining proper adherence to credit policy and banking regulations.Provide reports to management on work pipeline, production and turn-around times, including assignment and monitoring of work performed to ensure quality and turnaround time is being met.Scope: working capital lines of credit, asset-based financing, term loans, owner-occupied and income-producing properties, warehouse lines, capital call lines, leverage buyouts, dividend payouts, trade financing lines, stand-by and commercial letters of credit. Also including large and complex structures. Financial analysis: thoroughly reviewing financial statements (income statements, balance sheets, cash flow statements, tax returns) of potential and existing borrowers and guarantors to understand their financial condition and operating performance. This requires a comprehensive understanding of financial statement analysis, including enterprise value analysis, stress-testing & sensitivity analysis under different scenarios and making projections using key drivers and assumptions to understand future cash flows and repayment capacity.Credit risk assessment: evaluating the likelihood of a borrower defaulting on a loan based on their financial health, industry trends, and economic factors to reach a credit recommendation for loan structure based on strengths and weaknesses, and assigning a risk rating.Loan structuring: collaborating with relationship managers to design suitable loan structures (e.g., lines of credit, term loans, covenants) based on the client's needs and creditworthiness.Customer interaction: communicate with, and visit, potential and existing clients to gather necessary financial information, discuss credit terms, and address inquiries.Credit reports: preparing comprehensive pre-screen and credit memos detailing the analysis of a company's financial situation, including strengths, weaknesses, and potential risks, to present to pre-screen, lending authority or credit committee, as appropriate.Legal documentation review: review term sheet and legal documentation to ensure conformity with approved terms.Industry knowledge: staying updated on industry trends, best practices, regulations, and economic conditions impacting specific sectors to accurately assess credit risk.Training: assist in the training process of new credit underwriting and portfolio managers, and interns. Specifically, assist the trainees in the following: adopting the operating procedures of the department, the various templates used, and credit criteria applied to the different types of analysis.Credit policy: clear understanding of the Bank’s credit programs and policy and its adherence.Compliance: ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies on BSA, USA Patriot Act, OFAC and other AML related issues.Any other duties as assigned by the Chief Credit Officer or supervisor.Minimum Education and/or Certifications Requirements:Bachelor’s degree in business, accounting or finance required. Master’s degree preferred OR 10+ years of commercial credit analysis and/or portfolio management experience in lieu of education. Formal credit training required.Minimum Work Experience Requirements:10+ years of professional experience in lending and/or credit analysis and portfolio management. Knowledgeable of banking products and documentation.Technical and/or Other Essential Knowledge:Thorough understanding of the Bank’s credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.
This position supports the corporate tax manager in the process of: period tax provision calculations; tax compliance activities.Responsibilities:Supports the corporate tax manager in the extract of data and compilation of necessary schedules for completion of the monthly, quarterly and annual tax provision. This responsibility includes:Responsible for the compilation of necessary data from the general ledger and other relevant data for periodic analyses and reportingPreparation and review of tax related journal entriesPreparation of monthly, quarterly, and annual tax provision and related workpapers for the consolidated groupPreparation of the quarterly tax provision using the FIN18 approachPreparation of calculations for estimating and forecasting the tax rate for the current yearPreparation of the calculation for the deferred tax ratePrepare and analyze the calculation of required federal and state quarterly income tax paymentsMaintain the inventory of the Deferred Tax Asset for all U.S. entities in the groupReconciliation of tax general ledger accounts and other accounts as needed Maintenance and enhancement of existing reports utilizing available data extract and management toolsCommunicate and coordinate with external tax accountants as neededSupports the corporate tax manager in the extract of data and compilation of necessary schedules for completion of the tax return calculations and filing of applicable federal and state tax returns and extensions, as needed. This responsibility includes:Compilation of information and preparation of schedules and workpapers required for the preparation and filing of relevant federal and state corporate income tax formsCompilation of information and preparation of schedules required for the filing of other federal and state tax returns as necessaryCommunicate and coordinate with external tax accountants as neededOther responsibilities include:Prepare/draft the tax footnote for SEC reporting and audited financial statementsTax research as necessaryCompilation of necessary data and preparation of schedules in support of periodic internal and external audit requestsIdentify opportunities for automation of tax provision calculations and assist in/execute automation Assist the corporate tax manager in monitoring legislative and regulatory tax law developmentsAssist in keeping the department’s procedures manuals updatedServe as liaison with other departments for tax matters pertaining to the operating subsidiariesAssist and support special projects demands and ADHOC reports as requestedIdentify, evaluate, monitor and make any recommendation deemed necessary to the Risk Management Committee in order to assess, reduce, eliminate, or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standardsMinimum Education and/or Certifications Requirements:Bachelor’s Degree or equivalent (preferably in accounting, taxation or related field); a Master’s degree or a candidate for a Master’s degree in a related field of accounting is highly desirable. Recent graduates or prospective graduates, in these fields will be consideredMinimum Work Experience Requirements: A minimum of three years of experience in corporate tax and/or analyzing Financial Statements in a regulatory environment is highly desiredFunctional Skills & Knowledge Requirements: Corporate tax knowledge, accounting, and analytical skills. Must be a self-starter, a team player, have the ability to work under pressure, have a professional image and be able to resolve problems and conflicts. Must be able to prioritize work and effectively manage time. Must possess basic business communications skills such as good writing, listening skills and have basic office and mathematics skills, and customer service skills.
Lead a team of credit underwriting and portfolio managers to provide the bank with a sound, independent and objective assessment and monitoring of risks associated with the commercial real estate (CRE) and acquisition, development and construction (ADC) loan portfolio, including evaluating and managing the creditworthiness of clients by analyzing financial statements and making informed lending decisions on credit requests, as well as monitoring the credit quality of the portfolio.Responsibilities:Manage a team of credit underwriting/portfolio managers and provide guidance to produce timely and accurate credit recommendations to credit requests, including new and existing loans, increases and modifications, annual reviews and covenant compliance, while maintaining proper adherence to credit policy and banking regulations.Provide reports to management on work pipeline, production and turn-around times, including assignment and monitoring of work performed to ensure quality and turnaround time is being met.Scope: commercial real estate, acquisition, development and construction (ADC) loans, as well as note-on-note financing with underlying CRE properties as collateral. Also includes large and complex structures. Property types include multifamily, retail, industrial, office, hotels, marinas, fractured condos, and other special-purpose properties.Financial analysis: thoroughly reviewing financial statements (income statements, balance sheets, cash flow statements, tax returns, rent rolls, budget plan, site approvals) of potential and existing borrowers and guarantors to understand their financial condition and operating performance. This requires a comprehensive understanding of financial statement analysis, including stress-testing & sensitivity analysis under different scenarios and making projections using key drivers and assumptions to understand future cash flows and repayment capacity.Credit risk assessment: evaluating the likelihood of a borrower defaulting on a loan based on their financial health, industry trends, and economic factors to reach a credit recommendation for loan structure based on strengths and weaknesses, and assigning a risk rating.Loan structuring: collaborating with relationship managers to design suitable loan structures (e.g., lines of credit, term loans, covenants) based on the client's needs and creditworthiness.Customer interaction: communicate with, and visit, potential and existing clients to gather necessary financial information, discuss credit terms, and address inquiries. Site visit is a requirement.Credit reports: preparing comprehensive pre-screen and credit memos detailing the analysis of a company's financial situation, including strengths, weaknesses, and potential risks, to present to pre-screen, lending authority or credit committee, as appropriate.Legal documentation review: review term sheet and legal documentation to ensure conformity with approved terms.Industry knowledge: staying updated on industry trends, best practices, regulations, and economic conditions impacting specific sectors to accurately assess credit risk.Training: assist in the training process of new credit underwriting and portfolio managers, and interns. Specifically, assist the trainees in the following: adopting the operating procedures of the department, the various templates used, and credit criteria applied to the different types of analysis.Credit policy: clear understanding of the Bank’s credit programs and policy and its adherence.Compliance: ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies on BSA, USA Patriot Act, OFAC and other AML related issues.Any other duties as assigned by the Chief Credit Officer or supervisor.Minimum Education and/or Certifications Requirements:Bachelor’s degree in business, accounting or finance required. Master’s degree preferred OR 10+ years of CRE credit analysis and/or CRE portfolio management experience in lieu of education. Formal credit training required.Minimum Work Experience Requirements:10+ years of professional experience in CRE lending and/or credit analysis and portfolio management. Knowledgeable of banking products and documentation.Technical and/or Other Essential Knowledge:Thorough understanding of the Bank’s credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.
Oversee the EDD / CDD requirements and documentation for SMU clients and to support the bank’s international initiative. Coordinate transaction monitoring of certain customers such as Financial Institutions, NBFI, GOE, Private Client etc. for money laundering and other financial crimes for and assure compliance with the Bank’s Bank Secrecy Act Program. Perform special reviews of certain special reviews such as FFI Annual Certifications, WLIP, Non-Accrual Reviews, Broker Deposits, etc.Responsibilities:Support AML / KYC and SMU Supervisor by reviewing and assessing documentation and information and perform additional due dilligence for the onboarding and prescreening of prospect clients, requirements for new / existing clients, including but not limited to AML Manual, Audit Reports, Financial Statements, KYC and KYA, CBO, etc., execute further searches and screening using various tools, such as: open internet engines, AMS, OFAC, etc. Provide a recommendation for the onboarding and prepare Memos as necessary for the client’s onboarding process.Review and assess information and documentation for Special Monitoring Unit (SMU) clients during the update of the client’s file and according to the triggering event identified and in line with the process established in the manual, including refferal for other units or ad-hoc requirements.Initiate and coordinate requests related with CDD / EDD requirements for SMU clients, creating and tracking CDD / EDD cases in the respective case management system, track the cases for resolution and escalate matters to Supervisors as necessary based on unit’s procedures.Oversee and coordinate the completion of several special projects assigned to SMU, such as Foreign Correspondent Bank Annual Evaluation, Broker Dealer and Third-Party Lenders Support, Banks and Broker Dealers Review, Non-Accrual Review, etc. according to the unit’s procedures.Analyze AML system and manual generated alerts for SMU Clients against customers' profiles and documentation to determine whether the alert can be closed or may require more analysis, according to the unit’s procedures. Document alert’s disposition by either closing the review or recommending further investigation to be performed by a Sr Analyst. Send requests for information (RFI) to account officers, as well as KYC update request, when required to assess more clearly an unusual activity occurring in an account. Coordinate and followed-up on responses as per department procedures and timeframes. Coordinate & execute special reviews for SMU clients, such as Correspondent Bank Account (CBA) Annual Certification, Non-Accrual Loans Review, Broker Dealer Review and other reviews. Properly documenting the assessment in the respective form and following up process described in the unit’s procedure. Ensure the SMU Supervisor is promptly notified of potential reportable activities involving high-risk or complex accounts handled by this unit. Maintain accurate tracking of assignments and requests for documentation to ensure proper tracking of deadlines, as well as following up of pending items in a timely manner.Ensure that there is a proper level of record keeping retention that proves BSA regulatory compliance evidence during internal/external audits or regulatory examinations.To identify, evaluate, monitor, and make any recommendation deemed necessary to their respective Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards.Minimum Work Experience Requirements: Three (3) to Five (5) years of prior experience in BSA or bank auditing.Minimum Education and /or Certifications: Associates’ degree in Banking or Finance, and / or specific banking institute courses.Functional Skills & Knowledge:Excellent written and verbal skills. Working knowledge of the Bank Secrecy Act and US Patriot Act Title IIITechnical and/or Essential Knowledge: Proficient in Microsoft Office applications, FIS IBS Core and other systems, AssistCK . Good interpersonal skills. Certified Anti-Money Laundering Specialist (preferred).
