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.

Benefits


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

Position Openings:

Branch Manager - Fort Greene, Brooklyn
Job Title:              Branch Manager

Reports to:             Regional Branch Manager

Summary: Leads the sales activities of all personnel within the branch and responsible for developing new deposit, loan, and merchant business for a specific target market.

Duties and Responsibilities: include, but are not limited to the following. Other duties may be assigned:
  1. Responsible for adherence to Bank policies and procedures with regard to new deposit and loan customers. Ensure that staff is in compliance.
  2. Responsible for development of new business for the Bank by networking and managing a portfolio of COI (Centers of Influence)
  3. Responsible for attaining established individual, branch, and Bank goals through active participation in sales management and officer calling programs
  4. Ensure profitability of branch by increasing fee income and controlling expenses.
  5. Assist in budgeting & forecasting in accordance with the Bank’s goals & objectives
  6. Oversee staff and clients within the branch by delivering financial service products to current and potential clients while meeting established plans and ensuring regulatory compliance.
  7. Oversee and participate in expansion and management of consumer and business account relationships.
  8. Identify customers with additional profit potential and develop action plans to expand those relationships.
  9. Provide management direction to foster effective selection, development and reward of subordinates.
  10. Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.
Qualifications:
  1. Must have a minimum of five to ten years of proven and progressive sales record, including outside business development. Previous banking experience is required.
  2. Must have a Bachelor’s Degree or equivalent experience.
  3. Must have strong background in sales, and sales planning.
  4. Must have a strong background in management, and customer service skills.
  5. Must have excellent interpersonal and coaching skills. Ability to motivate your team.
  6. Must have a strong commercial banking background
  7. Must have strong operations knowledge including compliance issues and bank policies and regulations.
  8. Must have a thorough understanding of the customer service concept and its importance in developing and expanding account relationships.
Assistant Branch Manager - Fort Greene, Brooklyn
Job Title:   Assistant Branch Manager

Reports to:  Branch Manager

Summary:  Responsible for ensuring that daily branch operational policies and procedures are being followed. Oversees teller staff to ensure smooth branch operations.

Duties and Responsibilities: include, but are not limited to the following. Other duties may be assigned:
  1. Schedules all teller personnel to ensure adequate coverage.
  2. Opens DDA, Savings, IRA and Certificates of Deposit. Processes debit card requests for clients.
  3. Files client signature cards and updates, as well as following up on closed accounts.
  4. Oversees all daily operating procedures.
  5. Reviews Balance Fluctuation Report Daily and reports any large account variances greater than $50k to Branch Manager immediately.
  6. Understands procedures to be followed in case of robbery or other emergency.
  7. Performs regular monthly audits of various branch assets, including, but not limited to: cash, GLs, new account kits and negotiable instruments.
  8. Responsible for reporting any significant differences to the Branch Manager.
  9. Promotes and sells the Bank’s products and services to all customers and prospects.
  10. Trains new teller personnel in processing and balancing procedures.
  11. Ensures exceptional customer service.
  12. Performs other duties as assigned.
  13. Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.
Qualifications:
  1. Must have a High School Diploma or GED or equivalent past work experience.
  2. Prior teller and or banking experience is preferred.
  3. Must have excellent oral communication skills, excellent written communication skills and excellent organizational skills.
  4. Must have a math aptitude and excellent reading skills.
  5. Must have excellent professionalism and excellent customer service skills.
  6. Must have excellent time management skills along with diplomacy.
  7. Must have excellent customer relation skills.
  8. Must have excellent computer literacy and excellent keyboard skills.
Customer Service Representative/Teller - Fort Greene, Brooklyn
Job Title:              Customer Service Representative/Teller

Reports to:           Assistant Branch Manager

Summary: Serves customers by providing product and service information; resolving product and service problems.

Duties and Responsibilities include, but are not limited to, the following.  Other duties may be assigned.
  1. Opens DDA, Savings, IRA and Certificates of Deposit. Processes debit card requests for clients.
  2. Files client signature cards and updates, as well as following up on closed accounts.
  3. Performs regular monthly audits of branch cash, GLs, new account kits and negotiable instruments. Responsible for reporting any significant differences to the Assistant Branch Manager.
  4. Promotes and sells the banks and products and services to all customers.
  5. Trains new teller personnel in processing and balancing procedures.
  6. Ensures exceptional customer service.
  7. Performs other duties as assigned.
  8. Receives and processes deposits, withdrawals, checks, payments and other transactions in an accurate manner according to policies and procedures.
  9. Issues bank checks, other drafts and prepares payroll for certain clients.
  10. Oversees all daily operating procedures.
  11. Performs daily balancing procedures of cash drawer, ATM and branch cash and reports differences.
  12. Understands and follows procedures in case of robbery or other emergency.
  13. Performs back counter item scanning and reconciliation of work.
  14. Handles and maintains branch cash limits by ordering/shipping currency as needed.
  15. Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.
Skills and Education:
  1. Must have a High School Diploma or GED or equivalent past work experience.
  2. Prior teller and or banking experience is preferred.
  3. Must have excellent oral communication skills, excellent written communication skills and excellent organizational skills.
  4. Must have a math aptitude and excellent reading skills.
  5. Must have excellent professionalism and excellent customer service skills.
  6. Must have excellent time management skills along with diplomacy.
  7. Must have excellent customer relation skills.
  8. Must have excellent computer literacy and excellent keyboard skills.
Teller - Fort Greene, Brooklyn
Job Title:              Teller

Reports to:           Assistant Branch Manager

Summary: To receive and process deposits, checks, payments and other transactions as well as issue negotiable instruments and other drafts by performing the duties as described below.

Duties and Responsibilities include, but are not limited to, the following. Other duties may be assigned.
  1. Receives and processes deposits, withdrawals, checks, payments and other transactions in an accurate manner according to policies and procedures.
  2. Issues bank checks, other drafts and prepares payroll for certain clients.
  3. Promotes and sells the bank’s products and services to all customers and prospects.
  4. Oversees all daily operating procedures.
  5. Performs daily balancing procedures of cash drawer, ATM and branch cash and reports differences.
  6. Understands and follows procedures in case of robbery or other emergency.
  7. Performs back counter item scanning and reconciliation of work.
  8. Handles and maintains branch cash limits by ordering/shipping currency as needed.
  9. Provides exceptional customer service.
  10. Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.
Qualifications:
  1. High School Diploma or Equivalent
  2. Prior teller or banking experience preferred.
  3. Excellent oral communication skills, excellent written communication skills, and reading skills required.
  4. Must have an excellent aptitude in math.
  5. Must exhibit excellent professionalism and excellent customer relations.
  6. Must have excellent organization skills, customer skills and time management skills.
  7. Must have an excellent aptitude for the computer and exhibit excellent keyboard skills.
Loan Administration
Job Title:               Loan Administrator

Reports to:           Loan Administration Manager

Summary: Responsible for reviewing, monitoring and processing loan applications. Also responsible for accurate loan documentation and for disbursing loans proceeds.

Duties and Responsibilities include, but are not limited to, the following. Other duties may be assigned.
  1. Understands and supports the bank’s policies and procedures to provide proper and effective treatment to all of the bank’s clients.
  2. Handles all customer service inquiries and the gathering of more customer information on all pending loans.
  3. Responsible for all loan servicing functions, including transaction processing for loan payments and advances; mailing statements, insurance renewals and following up that all loan files are being scanned, etc.
  4. Pull credit reports and credit investigations for Relationship Managers and Credit Analysts as requested.
  5. Pull requested files for all audits, reviews and examinations.
  6. Daily follow up of Note and Line ticklers.
  7. Filing of all loan related documentation and correspondence.
  8. Use the Encompass Mortgage Origination System to process Residential Mortgage applications as needed from open to close to insure that all Financial and Regulatory requirements are met.
  9. Work with Bank Mortgage Closing Attorneys and Title Companies to close Mortgages and Equity Lines of Credit.
  10. Use the LaserPro document system to prepare closing documents for Commercial Loans, Consumer Loans and Home Equity Lines of Credit.
  11. Tracks borrower funds to make sure Appraisal and Environmental bills are properly paid from the correct funds collected.
  12. Follows up on processing the loan by obtaining additional applicant information when necessary.
  13. Reviews and follows up on loan applications to verify conditions are met.
  14. Resolves any customer problems in an expeditious and tactful manner.
  15. Maintains communication between the borrower and lender.
  16. Responsible for entering all loan rate adjustment information correctly into the loan system.
  17. Review daily reports for any system or maintenance errors from the prior day.
  18. Generate weekly loan activity report.
  19. Maintain Residential Mortgage pipeline.
  20. Employee will complete all ICBA Courses assigned to them by the end of each calendar year in accordance to Bank Compliance.


Qualifications:
  1. Must have a High School diploma or equivalent.
  2. Must have two (2) years or more experience in loan operations.
  3. Must have excellent oral communication skills, written communication skills, and excellent organization skills.
  4. Must have an excellent aptitude in math.
  5. Must have excellent professionalism and time management skills.
  6. Must have excellent customer service skills and customer relations.
 
Private Banker
Job Title:               Vice President/Private Banker

Reports to:           Chief Credit Officer/Chief Lending Officer

Summary: Provides full-service banking to high net worth customers to develop and maintain long lasting client relationships.

Duties and Responsibilities include, but are not limited to, the following. Other duties may be assigned.
  1. Responsible for developing new deposit, loan and merchant business for high net worth clientele and their operating businesses.
  2. Responsible for ensuring compliance with Bank policies and procedures with regard to new deposit and loan customers.
  3. Responsible for developing new business for the Bank by networking and developing a network of COI (Centers of Influence).
  4. Ability to recognize the credit worthiness of the Bank’s commercial relationships.
  5. Responsible for attaining established individual, department and Bank goals through active participation in sales management and officer call programs.
  6. Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.
  7. Consult with clients regarding financial needs, recommends product/solutions, and financial services to meet those needs.
  8. Resolves client inquires, and open and service depository accounts.
  9. Manage a portfolio of client loans.


Qualifications:
  1. Must have a Bachelor’s Degree.
  2. Must have excellent verbal communication skills and written communication skills.
  3. Must have a previous business development experience.
  4. Must have excellent interpersonal skills, excellent organization skills and excellent oral communication skills.
  5. Must have an excellent aptitude for math.
  6. Must have excellent computer literacy.
  7. Must be detailed oriented and have excellent time management skills.
Residential Mortgage Loan Originator
Job Title:                Residential Mortgage Loan Originator

Reports to:            Loan Administration Manager

Summary: Responsible for soliciting new residential mortgage business and sells 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.

Duties and Responsibilities include, but are not limited to, the following. Other duties may be assigned.
  1. Understands and supports the bank’s policies and procedures to provide proper and effective treatment to all of the bank’s clients.
  2. Develops and maintains a quality network of business relationships that serve as a recurring source of referrals for direct new mortgage lending opportunities.
  3. Follows all Bank and Industry policies, procedures and regulatory guidelines during the entire mortgage process from solicitation through closing.
  4. 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.
  5. Uses the Encompass Mortgage Origination System to originate Residential Mortgage applications as needed to insure that all Financial and Regulatory requirements are met.
  6. Employee will complete all ICBA Courses assigned to them by the end of each calendar year in accordance to Bank Compliance.


Qualifications:
  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.
Relationship Manager
Job Title:            Relationship Manager

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.


Qualifications:
  1. Must have Bachelor's degree in Accounting, Finance or Economics.
  2. Must have at least three years analytical or credit analysis experience.
  3. Must have an excellent proficiency in Microsoft Word, and Excel.
  4. Must have excellent verbal communication and written communication skills.
  5. Must have formal bank credit training.
  6. Must have excellent interpersonal skills, written communication skills, organizational skills and oral communication skills.
  7. Must have an excellent planning skills, excellent written communication skills.
  8. Must have and excellent literacy for the computer and an excellent aptitude in math.
  9. Must have excellent time management skills and detail oriented.

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