Job Postings

CLIENT SERVICE ASSOCIATE – NON REGISTERED

Job Description

SUMMARY OF RESPONSIBILITIES

Assists one or more Financial Advisor(s) (FA(s)) with the opening and maintenance of client accounts and records, performs a wide variety of administrative support duties, including but not limited to, word processing, preparing mailings, filing, answering the phone, obtaining approvals for FA(s) communications and advertisements, provides overall customer service support to clients, may enter trades as directed by the FA(s).

MAJOR DUTIES

  • Performs clerical functions related to opening client accounts and ongoing account codings based upon account features chosen by the client.
  • Works with the FA(s) and the client in obtaining the required documents based upon the type of account(s) established.
  • Organizes and assists in the maintenance of complete client account and trade- related records for the FA(s) and certain required files for the branch office.
  • Performs operational or administrative functions for client related requests (i.e., check requests, wiring funds, address change, dividend information, etc.).
  • Upon request, provides quotes and other account-related information to assist clients; non-registered Client Service Associates may not volunteer quote or other stock information to clients.
  • Provides reports and other information to FA(s), as needed.
  • Identifies situations that need to be brought to the attention of the FA(s) or escalated to the Branch Manager; including suspicious client and/or employee activity or behavior.
  • Obtains appropriate approvals for FA(s) to use communications with the public, seminars, advertising, etc. and ensures the final copy and appropriate approvals are filed in the branch files.
  • Organizes and assists with branch functions, client events, and seminars for the FA(s). Client Service Associates may send invitations on behalf of the FA, perform follow-up calls to obtain attendance interest, reserve accommodations, order handout materials and refreshments, work registration and seating arrangements at the event; Client Service Associates may not be designated speakers or present products to clients or prospective clients at such events.
  • Under the direct supervision of the Branch Manager, perform calling activities, not limited to existing clients, using scripts approved by a principal of Advertising and Graphics. Non-registered Client Service Associates may extend invitations to firm-sponsored events, inquire whether existing clients would like to discuss their investments with a FA, or offer to extend an existing client investment literature; they may not solicit prospects to open accounts, discuss general or specific products or services, or pre-qualify prospects.
  • Enters orders received directly from a FA who is registered in the client’s state of residence.; Non-registered Client Service Associates may not write order tickets and are prohibited from accepting orders from clients under any circumstances.
  • Performs various administrative duties (i.e., typing, filing, answer phones, mailing documents/letters, etc.) and other duties as assigned by the FA and/or Branch Manager.

Required Skills

KNOWLEDGE, SKILLS AND QUALIFICATIONS

  • High School Diploma or equivalent; prefer 2 years college or business school certificate.
  • 2 years clerical/related industry experience required; prefer 2 years of investment industry experience as well.
  • No licenses or credentials required.
  • KNOWLEDGE REQUIRED
    • Knowledge of administrative and clerical procedures and systems such as word processing, spread-sheet applications, managing files and records, and other office procedures and terminology.
    • General understanding of the investment brokerage industry and securities regulations.
    • Basic knowledge of investment products.
    • Basic understanding of operations system (i.e., forms and their purpose).

     

  • SKILLS REQUIRED
    • Ability to organize/prioritize
    • Practical problem solving
    • Strong focus on providing exemplary client service
    • Strong interpersonal skills
    • Strong communication skills (both written and verbal)
    • Excellent grammar and possess phone/office etiquette
  • EQUIPMENT/SOFTWARE SKILLS REQUIRED
    • Desktop computer/Typing (50+ wpm)
    • Microsoft Outlook, Word, Excel
    • BETA Terminal
    • Fax, scanner and copier machines
    • Postage machines
    • Multiple-line telephone

Required Experience

OTHER JOB FACTORS

  • WORK CONTACTS
    • Financial Advisors
    • Branch Manager
    • Clients (on an administrative or operational basis only)
    • General Public (on a limited basis only)
    • Various Home Office Personnel/Departments

 

  • WORK ENVIRONMENT

Standard climate-controlled office setting.

  • PHYSICAL EFFORT

Usually works from desk. Standard (or Typical) standing, bending, walking, stooping, reaching, etc.

  • MENTAL EFFORT

Must be able to manage stress, meet strict deadlines under pressure, perform with a high degree of accuracy, and consistently provide excellent customer service.

 

OTHER COMMENTS

NOTE: Job descriptions are not intended, and should not be construed, to be an exhaustive list of all responsibilities, skills, efforts, or working conditions associated with a job. They are intended to be accurate reflections of those principal job elements essential for making fair pay decisions about jobs.

 

 

Job Location: Portsmouth, New Hampshire, United States

Position Type: Full-Time/Regular

 

Apply Here

Private Banker (Stratham)

Optima Bank & Trust, a locally owned, full-service bank with branches in Portsmouth, North Hampton, Stratham, Pease, Bedford and a loan office in Dover, is hiring a Private Banker for our Stratham branch.

We are an award-winning, fast-paced entrepreneurial company. At Optima Bank & Trust you’ll find a culture that promotes individual growth and teamwork while keeping focused on how to best serve our customers.

The Private Banker’s primary responsibility is to handle the day to day needs of clients and prospective clients with respect to bank teller functions and bank platform functions.  The focus is on personal service and relationship banking, which is essential to the bank meeting its goals.  They will also support management in handling the day to day sales, service and operations within the office.

Job Duties

Performs teller and platform functions including making deposits and withdrawals from client accounts, processing night drop and bank-by-mail transactions, balancing the ATM, opening new commercial and consumer accounts, making qualified referrals to other departments of the bank, processing consumer loan applications and performing consumer loan closings.

Adheres to all standards to ensure efficient operation of the office, including compliance, security, the customer identification program, confidentiality and all other bank policies and procedures.

Assists management with business development activities to meet bank goals in an effort to promote deposit and loan growth as well as increase geographic market share.

Represents the bank in community reinvestment activities and organizations.

Delivers a high level of customer service as outlined by our customer service standards.  Exhibits professional and courteous demeanor both in person and on the phone along with a professional appearance both in person and at his/her work space.  Provides quick and responsive service.  Provides quality service by being well informed and responsive.

Essential Skills

Requires the ability to maintain physical condition and stamina in conjunction with assigned duties and responsibilities, which may include sitting and standing for extended periods of time, operating office equipment and other duties as assigned.

Requirements

This individual should possess analytical skills, strong client service skills, strong bank product knowledge, strong business development and cross-selling skills.  Consumer lending and commercial lending experience are a plus along with at least two years of banking experience.  Physical requirements include the ability for sitting and standing for long periods of time as well the ability to conduct computer work.  If responsible for mortgage origination registration with the National Mortgage License System (NMLS) is required.

Optima Bank & Trust offers competitive salary and a generous benefits package including; health, dental, life, disability, 401K, paid time off, an employee assistance program and paid holidays.

We invite you to find out just how different employment can be when you work at Optima Bank & Trust.

Optima Bank & Trust does not discriminate against any applicant for employment because of age, race, religion, color, handicap, sex, physical condition, developmental disability, sexual orientation, Veteran’s status or national origin.

Link to online job posting: https://optimabank.bamboohr.com/jobs/view.php?id=98&source=TAP

 

Private Banker (Pease Tradeport)

Optima Bank & Trust, a locally owned, full-service bank with branches in Portsmouth, North Hampton, Stratham, Pease, Bedford and a loan office in Dover, is hiring a Private Banker for our Pease branch.

We are an award-winning, fast-paced entrepreneurial company. At Optima Bank & Trust you’ll find a culture that promotes individual growth and teamwork while keeping focused on how to best serve our customers.

The Private Banker’s primary responsibility is to handle the day-to-day needs of clients and prospective clients with respect to bank teller functions and bank platform functions.  The focus is on personal service and relationship banking, which is essential to the bank meeting its goals.  They will also support management in handling the day to day sales, service and operations within the office.

Job Duties

Performs teller and platform functions including making deposits and withdrawals from client accounts, processing night drop and bank-by-mail transactions, balancing the ATM, opening new commercial and consumer accounts, making qualified referrals to other departments of the bank, processing consumer loan applications and performing consumer loan closings.

Adheres to all standards to ensure efficient operation of the office, including compliance, security, the customer identification program, confidentiality and all other bank policies and procedures.

Assists management with business development activities to meet bank goals in an effort to promote deposit and loan growth as well as increase geographic market share.

Represents the bank in community reinvestment activities and organizations.

Delivers a high level of customer service as outlined by our customer service standards.  Exhibits professional and courteous demeanor both in person and on the phone along with a professional appearance both in person and at his/her work space.  Provides quick and responsive service.  Provides quality service by being well informed and responsive.

Essential Skills

Requires the ability to maintain physical condition and stamina in conjunction with assigned duties and responsibilities, which may include sitting and standing for extended periods of time, operating office equipment and other duties as assigned.

Requirements

This individual should possess analytical skills, strong client service skills, strong bank product knowledge, strong business development and cross-selling skills.  Consumer lending and commercial lending experience are a plus along with at least two years of banking experience.  Physical requirements include the ability for sitting and standing for long periods of time as well the ability to conduct computer work.  If responsible for mortgage origination registration with the National Mortgage License System (NMLS) is required.

Optima Bank & Trust offers competitive salary and a generous benefits package including; health, dental, life, disability, 401K, paid time off, an employee assistance program and paid holidays.

We invite you to find out just how different employment can be when you work at Optima Bank & Trust.

Optima Bank & Trust does not discriminate against any applicant for employment because of age, race, religion, color, handicap, sex, physical condition, developmental disability, sexual orientation, Veteran’s status or national origin.

Link to online job posting: https://optimabank.bamboohr.com/jobs/view.php?id=90&source=TAP

 

Private Banker (North Hampton)

Optima Bank & Trust, a locally owned, full-service bank with branches in Portsmouth, North Hampton, Stratham, Pease, Bedford and a loan office in Dover, is hiring a Private Banker for our North Hampton branch.

We are an award-winning, fast-paced entrepreneurial company. At Optima Bank & Trust you’ll find a culture that promotes individual growth and teamwork while keeping focused on how to best serve our customers.

The Private Banker’s primary responsibility is to handle the day to day needs of clients and prospective clients with respect to bank teller functions and bank platform functions.  The focus is on personal service and relationship banking, which is essential to the bank meeting its goals.  They will also support management in handling the day to day sales, service and operations within the office.

Job Duties

Performs teller and platform functions including making deposits and withdrawals from client accounts, processing night drop and bank-by-mail transactions, balancing the ATM, opening new commercial and consumer accounts, making qualified referrals to other departments of the bank, processing consumer loan applications and performing consumer loan closings.

Adheres to all standards to ensure efficient operation of the office, including compliance, security, the customer identification program, confidentiality and all other bank policies and procedures.

Assists management with business development activities to meet bank goals in an effort to promote deposit and loan growth as well as increase geographic market share.

Represents the bank in community reinvestment activities and organizations.

Delivers a high level of customer service as outlined by our customer service standards.  Exhibits professional and courteous demeanor both in person and on the phone along with a professional appearance both in person and at his/her work space.  Provides quick and responsive service.  Provides quality service by being well informed and responsive.

Essential Skills

Requires the ability to maintain physical condition and stamina in conjunction with assigned duties and responsibilities, which may include sitting and standing for extended periods of time, operating office equipment and other duties as assigned.

Requirements

This individual should possess analytical skills, strong client service skills, strong bank product knowledge, strong business development and cross-selling skills.  Consumer lending and commercial lending experience are a plus along with at least two years of banking experience.  Physical requirements include the ability for sitting and standing for long periods of time as well the ability to conduct computer work.  If responsible for mortgage origination registration with the National Mortgage License System (NMLS) is required.

Optima Bank & Trust offers competitive salary and a generous benefits package including; health, dental, life, disability, 401K, paid time off, an employee assistance program and paid holidays.

We invite you to find out just how different employment can be when you work at Optima Bank & Trust.

Optima Bank & Trust does not discriminate against any applicant for employment because of age, race, religion, color, handicap, sex, physical condition, developmental disability, sexual orientation, Veteran’s status or national origin.

Link to online job posting: https://optimabank.bamboohr.com/jobs/view.php?id=81&source=TAP

 

VP, Loan Administration

Optima Bank & Trust, a locally owned, full-service bank with branches in Portsmouth, North Hampton, Stratham, Pease and Bedford along with a loan office in Dover, is hiring for a Vice President, Loan Administration to join its team in our Portsmouth, NH corporate offices.

Position Summary:

This position is responsible for managing all daily activities and functions of the Loan Administration Department, which includes loan processing and documentation for all loans (residential, commercial and consumer), servicing of the Bank’s loan portfolio, as well as pools of sold loans, and loan document imaging. Responsible for ensuring adherence to bank and regulatory compliance as it pertains to loan origination and servicing.

Key Responsibilities:

Specific Work  Requirements:

Oversee the day to day activities of Loan Administration staff, which includes ensuring various servicing, processing and imaging tasks are completed accurately and timely.

When applicable, review loan documentation for accuracy prior to delivery to borrower and/or to closing.

Ensure that various general ledger accounts are reconciled on a timely basis, while monitoring stale items to be cleared.

Oversee the process of imaging loan files, ensuring files are imaged and indexed accurately and timely.

Prepare and distribute any loan reports to applicable personnel. As well as create reports using the bank’s reporting software, as needed.

Oversee vendor management as it pertains to appraisers, attorney/closing companies and other loan related vendors. This includes initial due diligence, as well as periodic monitoring, review and reporting.

Review flood determinations/policies prior to closing to ensure appropriate coverage.

Conduct various self-assessments to ensure continued compliance as it pertains to items such as flood, ECOA, HMDA etc., as well as conducting pre-closing reviews of sold loans to ensure adherence to secondary market requirements.

Responsible for submitting HMDA and CRA data on an annual basis, prior to the required due date.

Perform year-end tasks and reviews to ensure tax information is accurate prior to delivery to borrowers.

Submit on a quarterly basis to the FHLBB, the Bank’s Loan Listing report of pledged loans.

Act as liaison with auditors/examiners as it pertains to Loan Administration matters. Respond to audit findings and implement controls and/or modify procedures as needed, or as recommended.

Perform any other processing or servicing duties as necessary to meet customer and department workload requirements.

Staff Oversight:

Conduct annual staff performance appraisals and salary reviews and recommend personnel actions as appropriate, while developing growth plans for staff.

Train and cross-train loan administration personnel for efficient operations and to ensure compliance with all internal and regulatory requirements.

Establish performance standards and objectives for all Loan Administration staff.

Review workflow and assignments, making changes as needed.

General Requirements:

Recommend to the Chief Lending Officer any operating changes in loan origination and processing to enhance productivity and maintain regulatory compliance ; preparing policy and procedure changes and implement staff training as necessary to implement approved changes Meet or exceed established objectives and standards for loan processing performance Provide prompt, professional and courteous service to all clients, staff and vendors Remain abreast of all SBA regulations and requirements Actively participate in community organizations and events, representing the bank in the community Actively participate in industry trade group meetings and educational programs to remain abreast of current issues and requirements affecting bank loan operations Perform other duties as required within the definition of the job description Stay up to date on compliance and regulatory changes pertaining to lending Act as liaison with systems vendor (Jack Henry) to ensure any updates to systems and documents are implemented in timely manner As applicable, ensure compliance with the Bank’s BSA Program, which includes BSA, Anti-Money Laundering, Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), On-going activity monitoring, Currency Transaction Reporting (CTR) and Suspicious Activity Reporting (SAR). Successfully and promptly fulfill all associated periodic training requirements as established by the Bank.

Positions Reporting to the Position:

Loan Operations Specialists

Loan Document Imager

Mortgage Loan Supervisor

Commercial Loan Supervisor

Education/Experience Required:

Bachelor’s Degree in business or finance and/or equivalent work experience

5 to 10 years progressively more responsible experience in all aspects of loan processing and documentation on Staff management responsibilities Computer literacy, with specific experience in word processing, excel spreadsheet, loan origination and tracking system applications Other Requirements:

Must possess a valid driver’s license, be able to drive, have the use of a serviceable automobile that is properly registered with adequate liability insurance as required by state law.

We are an award-winning, fast-paced, entrepreneurial company. At Optima Bank & Trust you’ll find a culture that promotes individual growth and teamwork while keeping focused on how to best serve our customers.

Optima Bank & Trust offers competitive salary and a generous benefits package including; health, dental, life, disability, 401(k), paid time off, an employee assistance program and paid holidays.

We invite you to find out just how different employment can be when you work at Optima Bank & Trust.

Optima Bank & Trust does not discriminate against any applicant for employment because of age, race, religion, color, handicap, sex, physical condition, developmental disability, sexual orientation, Veteran’s status or national origin.

Link to online job posting: https://optimabank.bamboohr.com/jobs/view.php?id=101&source=TAP

 

VP, Commercial Lender (North Hampton)

Optima Bank & Trust, a locally owned full service bank with branches in Portsmouth, North Hampton, Stratham, Pease and Bedford  along with a loan office in Dover is hiring for a VP Commercial Loan Officer to join its team in North Hampton.

The VP Commercial Loan Officer is an external sales role that focuses on growing a Commercial portfolio through building new customer relationships. This job will meet or exceed annual sales, revenue, volume & new customer objectives. The Commercial Loan Officer will maximize profitability, revenue and retention of new relationships by cross selling the full range of products and services. This job is the primary contact for developing new client relationships while managing existing Customer relationships.  Ideal candidate be experienced in the following:

4 year degree or equivalent experience

5 -10 years progressively more responsible experience in all aspects of commercial credit  and commercial  loan generation

Strong understanding of commercial business development techniques and credit decisions

Demonstrated business development track record

Strong market presence with wide network of outside referral sources for new business

Demonstrated credit and financial analysis skills

Refined negotiation skills

We are an award winning fast paced entrepreneurial company. At Optima Bank & Trust you’ll find a culture that promotes individual growth and teamwork while keeping focused on how to best serve our customers.

Optima Bank & Trust offers competitive salary and a generous benefits package including; health, dental, life, disability, 401K, paid time off, an employee assistance program and paid holidays.

We invite you to find out just how different employment can be when you work at Optima Bank & Trust.

Optima Bank & Trust does not discriminate against any applicant for employment because of age, race, religion, color, handicap, sex, physical condition, developmental disability, sexual orientation, Veteran’s status or national origin.

Link to online job posting: https://optimabank.bamboohr.com/jobs/view.php?id=96&source=TAP

VP, Commercial Lender (Dover)

Optima Bank & Trust, a locally owned full service bank with branches in Portsmouth, North Hampton, Stratham, Pease and Bedford  along with a loan office in Dover is hiring for a VP Commercial Loan Officer to join its team in Dover, NH.

The VP Commercial Loan Officer is an external sales role that focuses on growing a Commercial portfolio through building new customer relationships. This job will meet or exceed annual sales, revenue, volume & new customer objectives. The Commercial Loan Officer will maximize profitability, revenue and retention of new relationships by cross selling the full range of products and services. This job is the primary contact for developing new client relationships while managing existing Customer relationships.  Ideal candidate be experienced in the following:

4 year degree or equivalent experience

5 -10 years progressively more responsible experience in all aspects of commercial credit  and commercial  loan generation

Strong understanding of commercial business development techniques and credit decisions

Demonstrated business development track record

Strong market presence with wide network of outside referral sources for new business

Demonstrated credit and financial analysis skills

Refined negotiation skills

We are an award winning fast paced entrepreneurial company. At Optima Bank & Trust you’ll find a culture that promotes individual growth and teamwork while keeping focused on how to best serve our customers.

Optima Bank & Trust offers competitive salary and a generous benefits package including; health, dental, life, disability, 401K, paid time off, an employee assistance program and paid holidays.

We invite you to find out just how different employment can be when you work at Optima Bank & Trust.

ma Bank & Trust does not discriminate against any applicant for employment because of age, race, religion, color, handicap, sex, physical condition, developmental disability, sexual orientation, Veteran’s status or national origin.

Link to online job posting: https://optimabank.bamboohr.com/jobs/view.php?id=86&source=TAP

Mortgage Originator

Optima Bank & Trust, a locally owned, full-service bank with branches in Portsmouth, North Hampton, Stratham, Pease and Bedford  with a loan office in Dover and a future branch in Dover, is hiring for a Mortgage Loan Originator.

The Mortgage Loan Originator (MLO) proactively solicits new residential mortgage business and sells Optima Bank & Trust mortgage products to meet established loan quality and production goals.

In this on-going sales role, the Mortgage Loan Originator continually identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Loan Originator’s network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the Mortgage Loan Originator’s regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations.

The MLO responds to customer inquiries and referrals that are generated from their own contacts. The MLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information. The MLO ensures exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.

RESPONSIBILITIES

Develops and maintains successful relationships with business referral sources and existing  and prospective Optima Bank & Trust clients.

Prospects new mortgage lending opportunities.

Meets with customers as necessary during various stages of the loan process.

Utilizes Optima Bank & Trust training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customers and internal business partners.

Provides complete loan applications to the Loan Administration department.

Ensures exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners.

Achieves production goals as established by Optima Bank & Trust.

Job Requirements

Experience:

Minimum of 3 years residential mortgage lending experience with a focus on generating self-sourced business.

Demonstrated success in prospecting, generating leads, closing business and consistently meeting/exceeding production goals.

Verifiable, established network of referral business including Real Estate professionals and other centers of influence.

Mortgage Knowledge:

Demonstrated understanding of mortgage processing, underwriting and closing procedures.

Knowledge of conventional and/or government lending guidelines.

Understanding of Federal Regulations governing Real Estate Lending.

Skills:

Ability to analyze and comprehend complex financial data and provide financial alternatives.

Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.

Professional and effective interpersonal skills.

Solid time management skills and the ability to organize prioritize and perform multiple tasks simultaneously within tight timeframes.

Strong computer skills including a fundamental understanding of MS applications, database management and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information.

Education Requirements

High School Diploma or equivalent

4 year college degree preferred

At least 3-5 years in banking preferred

NMLS required

Benefits

Paid Time-Off

Medical and Dental Insurance

Life, Death and Disability Insurance

401(k)

Optima Bank & Trust offers competitive salary and a generous benefits package including; health, dental, life, disability, 401K, paid time off, an employee assistance program and paid holidays.

We invite you to find out just how different employment can be when you work at Optima Bank & Trust.

Optima Bank & Trust does not discriminate against any applicant for employment because of age, race, religion, color, handicap, sex, physical condition, developmental disability, sexual orientation, Veteran’s status or national origin.

Link to online job posting: https://optimabank.bamboohr.com/jobs/view.php?id=103&source=TAP

Credit Administration Specialist

Optima Bank & Trust, a locally owned, full-service bank with branches in Portsmouth, North Hampton, Stratham, Pease, Bedford and a loan office in Dover, is hiring a Credit Administration Specialist in our Portsmouth office.

We are an award-winning, fast-paced, entrepreneurial company. At Optima Bank & Trust you’ll find a culture that promotes individual growth and teamwork while keeping focused on how to best serve our customers.

Primary Purpose:

This position is responsible for the creation and maintenance of commercial client records, specifically financial documentation and covenants. The incumbent will also be responsible for requesting, collecting and the electronic filing of documentation and to maintain department databases which are utilized for loan portfolio reporting.

Job Duties:

Client Financial and Credit Documentation

Collect documentation and verify completeness – Review financial and legal documents to confirm submissions satisfy requirements and take additional steps, as necessary, to obtain in order to ensure completeness of files.

Prepare documentation for scanning – Prepare financial documents and underwriting information, to be scanned and saved in the Bank’s electronic filing database (Synergy).

QC of completed scanning – Conduct quality control audits in accordance with established guidelines. Take corrective steps for any items that aren’t accurately uploaded into the Synergy electronic filing database.

Database/Sageworks Administration

Create and maintain procedures as relate to the process and maintenance of Sageworks – Loan Administration, with the assistance of the VP / Senior Credit Officer.

Data input – set up / establish client contact data, financial statement ticklers and loan covenants.

Work directly with lenders and analysts to record receipt of updating financial information in Sageworks – Loan Administration.

Generate pending correspondence reports for distribution to lenders and then the actual correspondence to borrowers and guarantors.

Additional Duties and Responsibilities

Assist the Senior Credit Officer with the preparation of monthly and quarterly reporting, as needed.

Perform other Credit and Loan Department duties as necessary to meet customer and department workload requirements.

General Requirements:

Provide prompt, professional and courteous service to all clients, staff and vendors Meet or exceed established objectives and performance standards Remain abreast of, and ensure compliance with, the Bank’s BSA Program, which includes BSA, Anti-Money Laundering, Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), On-going activity monitoring, Currency Transaction Reporting (CTR), Suspicious Activity Reporting (SAR).

Successfully and promptly fulfill all associated periodic training requirements as established by the Bank.

Essential Skills:

Strong technical skills and proficiency with Microsoft Office products (Word, Outlook and Excel)

Familiarity with the financial and legal documentation associated with the loan approval and maintenance process, is a plus.

Demonstrated success working independently, prioritizing work to meet deadlines and producing quality results with a keen attention to detail.

Requires the ability to maintain physical condition and stamina in conjunction with assigned duties and responsibilities, which may include sitting and standing for extended periods of time, operating office equipment and other duties as assigned.  Driver’s license required.

Requirements:

Bachelor’s Degree in business or finance and/or equivalent work experience

Database management experience is a plus.

Optima Bank & Trust offers competitive salary and a generous benefits package including; health, dental, life, disability, 401k, paid time off, an employee assistance program and paid holidays.

We invite you to find out just how different employment can be when you work at Optima Bank & Trust.

Optima Bank & Trust does not discriminate against any applicant for employment because of age, race, religion, color, handicap, sex, physical condition, developmental disability, sexual orientation, Veteran’s status or national origin.

Link to online job posting: https://optimabank.bamboohr.com/jobs/view.php?id=102&source=TAP

Commercial Credit Analyst

Optima Bank & Trust, a locally owned full service bank with branches in Portsmouth, North Hampton, Stratham, Pease and Bedford along with a loan office in Dover is hiring for a  Commercial Credit Analyst to join its team in the Seacoast.   We are an award winning fast paced entrepreneurial company. At Optima Bank & Trust you’ll find a culture that promotes individual growth and teamwork while keeping focused on how to best serve our customers.

Position Summary:

Seeking an individual with a strong, solid core of credit skills to evaluate the creditworthiness of current and prospective customers, and to assist management, lending officers and loan approval committees in the loan decision process.

Key Responsibilities:

Prepare timely and insightful commercial loan offerings for a diverse, complex and sophisticated portfolio of Commercial and Industrial, Commercial Real Estate and Individual lending customers.

Conduct a comprehensive analysis of a borrower’s and/or guarantor’s financial information in a manner which clearly and concisely identifies both risk and opportunity. The underlying credit analyses will, at all times, be complete, accurate and in compliance with the Bank’s loan policy.

Analyze borrower’s balance sheet, income statement and cash flow, as well as collateral pledged, utilizing financial statements, tax returns, personal financial statements, agings, appraisals and other pertinent information.

Complete industry analysis.

Assist the Senior Credit Officer in coordinating the preparation of the Officers’ Loan Committee and Board of Director’s Loan Committee packages.

Serve as backup to the recording secretary for the purpose of taking minutes at the Officers’ Loan Committee meetings.

Participate in client meetings at the bank and on site, as needed.

Assist the Senior Credit Officer with special projects on an as-needed basis.

Perform other Credit and Loan Department duties as necessary to meet customer and department workload requirements.

As applicable, ensure compliance with the Bank’s BSA Program, which includes BSA, Anti-Money Laundering, Customer Identification Program (CIP), Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), On-going activity monitoring, Currency Transaction Reporting (CTR) and Suspicious Activity Reporting (SAR). Successfully and promptly fulfill all associated periodic training requirements as established by the Bank.

The ability to work as an integral team member is crucial, as is the ability to work within tight timeframes and balance several projects at one time.

General Requirements:

Recommend to the Senior Credit Officer any procedural changes in the commercial loan underwriting process to enhance productivity and maintain regulatory compliance; preparing policy and procedure changes and provide staff training as necessary to implement approved changes.

Meet or exceed established objectives and performance standardsProvide prompt, professional and courteous service to all clients, staff and vendors.

Remain abreast of all SBA regulations and requirementsActively participate in community organizations and events, representing the bank in the community.

Actively participate in industry trade group meetings and educational programs to remain abreast of current issues and requirements affecting Bank loan operations.

Perform other duties as required within the definition of the job description.

Stay up to date on compliance and regulatory changes pertaining to commercial lending.

Education/Experience Required:

Bachelor’s Degree in business or finance and/or equivalent work experience.

2 to 5 years progressively more responsible experience in all aspects of commercial credit analysis.

Computer literacy, with specific experience in word processing, excel spreadsheet, loan origination and tracking system applications.

Other Requirements:

Must possess a valid driver’s license, be able to drive, have the use of a serviceable automobile that is properly registered with adequate liability insurance as required by state law.Optima Bank & Trust offers competitive salary and a generous benefits package including; health, dental, life, disability, 401K, paid time off, an employee assistance program and paid holidays.

We invite you to find out just how different employment can be when you work at Optima Bank & Trust.

Optima Bank & Trust does not discriminate against any applicant for employment because of age, race, religion, color, handicap, sex, physical condition, developmental disability, sexual orientation, Veteran’s status or national origin.

Link to online job posting: https://optimabank.bamboohr.com/jobs/view.php?id=104&source=TAP