Sterling Bank and Trust Career Site

Bank Secrecy Act (BSA) and Security Specialist (San Francisco Area)

Wed, 03 Feb 2010 11:37:00 GMT

Job Description

Job Title: Bank Secrecy Act and Security Specialist
Reports To: General Council
FLSA Status: Exempt

SUMMARY
Administering all aspects of the Bank Secrecy Act Compliance Program including Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering, OFAC and Customer Identification Program compliance. Also responsible for managing all segments of the institution's Security Program by performing the following duties.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Performs various quality control reviews and monitoring in the area of Bank Secrecy Act, USA Patriot Act, Anti-Money Laundering, OFAC and Customer Identification Program compliance using industry standard and regulatory guidance sampling methods to ensure the Bank's compliance efforts are maintained on a daily basis.

Advises Senior Management and Bank personnel of emerging compliance issues and consults and guides the Bank in the establishment of controls to mitigate risks.

Implementing and administering all segments of the institution's Security Program, including physical, technical, personnel, procedural and electronic security.
Providing continual consultation and written reports to senior management concerning security issues.
Working with the institution's legal representative and department leaders, insuring that the institution's employees, customers, facilities, assets, records and proprietary information are protected.
Working with the institution's human resources representative and department leaders, conducting and managing initial and continuing reviews of employment practices, confidentiality agreements, background investigations and drug screening practices, and approving security clearances.
Selecting, maintaining and testing appropriate intrusion devices, alarms and cameras that record activity in appropriate locations and that warn of threats.
Developing and implementing physical security procedures and processes for all of the institution's locations, plans for reducing or eliminating premises liability issues and site analysis and threat assessment documentation.
Developing and maintaining corporate investigative practices and standards, and investigating all suspected internal and external criminal violations, suspicious incidents and policy violations that may become security issues.
Creating and retaining case management records for all investigations and Security Program operations.
Working with other department leaders, assisting with the continual development of loss control and anti-compromise measures to protect general assets, proprietary information and processes.
Conducting continual surveys of all offices, departments and functions to determine the need for additional security services, and making appropriate recommendations.
Establishing and maintainin

Credit Analyst (San Francisco Area)

Thu, 28 Jan 2010 11:01:00 GMT

Job Title: Credit Analyst

Department: Credit Administration

Reports To: Director of Credit Administration

FLSA Status: Exempt, Grade 8

SUMMARY

Assists Loan Officers in conducting credit investigations and preparing credit memorandums for diversified types of loans, including construction, commercial and commercial real estate loans.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Collects, organizes, and analyses all data for loan requests.

Recommends loan structure and terms to Loan Officers.

Contacts customers for additional information and clarification of data.

Analyzes borrower's financial position by interpreting and evaluating financial statements, tax returns, and/or projections.

Performs cash flow, trend, and ratio analysis.

Analyzes rent rolls, A/R aging, leases, appraisal, environmental, and/or title reports.

Assigns and maintains the appropriate loan risk grades according to the Bank's Loan Policy.

Ensures that sources of repayment are sound and well documented.

Conducts loan related industry and market research.

Prepares a comprehensive credit memorandums and provides opinions and recommendations regrading proposed loans and potential risks.

Monitors borrowers' financial stability by analyzing financial statements and collateral.

Reviews loan documents for accuracy, completeness, and adherence to to credit memorandum covenants and conditions.

Prepares quarterly Loan Review reports for certain credits

Assists in preparation of monthly Credit Administration reports.

Conducts analytical credit-relevant studies and industry research.

Possesses a full understanding of the Bank's credit culture, Loan Policy, and current economic and industry trends.

Contribute to development of new polices, procedures, and methodologies.

Performs other duties as assigned.

SUPERVISORY RESPONSIBILITIES

None.

Loan Administrator - CRE and C&I (San Francisco Area)

Mon, 11 Jan 2010 17:44:00 GMT

Job Title: Loan Administrator

Department: CRE and C&I

Reports To: California Executive V.P.

FLSA Status: Non-Exempt

Summary

Assist in origination and booking of commercial loans by performing the following duties:

ESSENTIAL DUTIES AND RESPONSIBILITIESinclude the following. Other duties may be assigned.

Create and maintain loan files. Receive documents from Loan Officer, stack and complete work files according to standards created for branch use. Create Loan Set Up Sheet in Pipeline and in AS400, input information for Loan number and add new Loan number to Lotus Notes.

Receive Loan Officers request for Credit. Confirm Personal Financial Statement. Input Credit to AS400.

Liaison to Credit Administration and Internal Audit for loan modifications and extension of loans. Create work files as needed. Scan documents as required.

Order Appraisals from SBT Appraisal department. Make electronic files for all required documents. Complete all documents requests deemed necessary by appraisal department. Inform Loan Officer of any issues.

Order Environmental Reports for all Commercial properties.

Order Construction Review for all Construction loans.

Collect required Borrower documents for Legal team. Create SBT Closing statement. Order Preliminary Title, and Flood. Resolve Tax Impounds and Property Insurance. C&I Business loans will be generated on LazerPro and sent to Counsel for approval.

Create Wire in AS400 for funding of loan and Close of Escrow. Email Michigan office with Wire and documents to fund loan. Complete OFAC check and obtain DL from borrowers.

Update Pipeline. Complete Compliance as required. Disposition Original Loan files to hom

Relationship Manager - Business Banking (Montgomery Branch)

Thu, 03 Dec 2009 16:52:00 GMT

Job Title: Relationship Manager

Department: Business Banking

Reports To: E.V.P. of Business Banking

FLSA Status: Exempt

SUMMARY

Develop own new prime customer relationships including depository accounts and lending relationships. Manage respective client portfolio to ensure maximum profitability, seamless operational delivery and adherence to bank credit policies and procedures by performing the following duties.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Identify and develop business relationships in the bank trade area through a systematic target marketing/calling process. Calls, contacts and appointments on a daily basis.

Collect financial information, communicate between loan applicant and credit administration, ensure loans are approved, booked and funded in a proper and timely manner.

Cross sell all bank products.

Maximize respective portfolio profitability growth by focusing on high value added relationships and transactions.

Maintain respective portfolio with a professional level of service to existing customers. Provide product expertise, find solutions to customer operating needs, and respond to customer inquiries.

Ensure respective portfolio complies with bank’s credit policies and procedures. Acceptable risk asset reviews. No write offs.

Assist with staff training, product enhancement/positioning, operational requirements.

INSIDE AND OUTSIDE CONTACTS

Customers Daily, direct

E.V.P. of Business Banking Direct

Branch Staff Daily, direct

Operations/Administration Daily, direct

GOALS

To be established via MBO process.

Must be able to handle multiple tasks at the same time.

Other duties may be assigned.

Residential Loan Officer (San Francisco Area)

Mon, 12 Oct 2009 13:25:00 GMT

SUMMARY Examines, evaluates, and authorizes or recommends approval of customer applications for mortgage loans by performing the following duties.

DUTIES Interviews applicant and requests specified information for loan application.

Requests property appraisals, applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation.

Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.

Corresponds with or interviews applicant or creditors to resolve questions regarding application information.

Compiles loan package and facilitates negotiation with applicant according to establishment standards, including fees, loan repayment options, and other credit terms. Submits loan within specified limits or refers loan to loan committee for approval.

Ensures loan agreements are complete and accurate according to policy.

Assures timely loan closing and funding activities. Identifies and analyzes potential loan markets to develop prospects.

Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations.

Recommends and implements appropriate changes to establishment policies and procedures.

Promotes and cross-sells other establishment products and services as appropriate to customer requirements.

Provides loan data to support marketing and sales promotion programs.

Other duties may be assigned.