Gold Coast Bank is an Equal Opportunity Employer

Gold Coast Bank is committed to providing equal opportunity employment opportunities to candidates and employees without regard to race, religion, creed, age, sex, height, weight, marital status, disability unrelated to an individual’s ability to perform adequately, national origin citizenship, ancestry, or any other characteristic protected by law.


  • Major Medical
  • Dental
  • Vision
  • 401K
  • Vacation Time
  • Personal Time
  • Sick Time
  • FSA
  • Basic Life Insurance and AD&D
  • Supplemental Life Insurance and AD&D

Position Openings:

Relationship Manager - Islandia
Reports to:                  Chief Credit Officer/Chief Lending Officer

Summary: To review and process commercial loan applications, approve or decline loans within established limits and close the transactions. Develop and close new banking relationships.

Duties and Responsibilities include, but are not limited to, the following. Other duties may be assigned.

  1. Develop new business for the bank by networking and developing a portfolio of COI (Centers of Influence).
  2. Broaden existing customer relationships by cross-selling both business and consumer products and service.
  3. Responsible for analyzing the credit worthiness of the Bank’s commercial relationships.
  4. Performs detailed analysis of the client’s financial statements (income statement, balance sheet, and statement of cash flows).
  5. Analysis also includes consideration of the client’s industry, competition, suppliers and current market conditions; knowledge of the local market is required.
  6. Obtain all credit reports, appraisals and other information.
  7. Approves loans within established limits or refers loan to loan committee for approval.
  8. Verifies loan agreements are complete and accurate according to policy.
  9. Verifies accuracy and required legal documentation for each loan to secure Deeds of Trust.
  10. Reviews all executed legal documents for actual closing of each loan.
  11. Coordinates the appropriate approvals, signatures and documentation requests.
  12. Familiar with a variety of concepts, practices, and procedures required for this position. Relies on experience and judgement to plan and accomplish goals.
  13. Performs a variety of tasks. A wide degree of creativity and latitude is expected.
  14. Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.
  15. Perform short concise annual review of each borrowing relationship assigned.
  16. Work with CLO/CCO to develop reports and policies in line with general banking requirements.
  17. Assist CLO/CCO with certain Administrative Tasks and credit quality issues.
Residential Mortgage Loan Originator - Islandia
Job Title:               Residential Mortgage Loan Originator

Reports to:             Loan Administration Manager

Summary: Responsible for soliciting new residential mortgage business and sell Gold Coast Bank products, as well as those products made available by the Bank’s Third Party Lenders, to meet established loan quality and production goals. This individual should have the drive and motivation necessary to play a major role in the further development of Gold Coast Bank’s Residential Lending Program.

In this on-going sales role, the Mortgage Loan Officer 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 Officer’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 Officer’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 both their own contacts and from other Gold Coast Bank channels. The MLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing guidelines, and gather additional information. The MLO must maintain knowledge of all available loan programs, policies, procedures and regulatory requirements.

Duties and Responsibilities include, but are not limited to, the following. Other duties may be assigned.
  1. Develops and maintains a quality network of business relationships that serve as a recurring source of referrals for direct new mortgage lending opportunities.
  2. Handles all residential mortgage and home equity inquiries and the gathering of more customer information on all pending loans, maintaining communication with the customer throughout the entire process.
  3. Follows all Bank and Industry policies, procedures and regulatory guidelines during the entire mortgage process from solicitation through closing.
  4. Uses the Encompass Mortgage Origination System to originate Residential Mortgage applications as needed to insure that all Financial and Regulatory requirements are met.
  5. Employee will complete all online Courses assigned to them by the end of each calendar year in accordance to Bank Compliance.
  1. Must have a High school diploma or equivalent.
  2. Must have prior related loan origination experience with proven success developing outside business referral sources to achieve loan production goals.
  3. Must have excellent oral communication skills, written communication skills, and excellent organization skills.
  4. Must have strong analytical skills with experience performing complex financial data analysis (tax returns, credit reports, etc...)
  5. Must have excellent professionalism and time management skills.
  6. Must have excellent customer service skills and customer relations.
  7. Must meet requirements under the S.A.F.E. Act.

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