Careers 

Customer Service Representative

Reports to: Assistant Branch Manager

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

Location: Mineola

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. File client signature cards and updates, as well as follows 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. Performs Teller work when necessary
• 9. Receives and processes deposits, withdrawals, checks, payments and other transactions in an accurate manner according to policies and procedures.
• 10. Issues bank checks, other drafts and prepares payroll for certain clients.
• 11. Oversees all daily operating procedures.
• 12. Performs daily balancing procedures of cash drawer, ATM and branch cash and reports differences.
• 13. Understands and follows procedures in case of robbery or other emergency.
• 14. Performs back counter item scanning and reconciliation of work.
• 15. Handles and maintains branch cash limits by ordering/shipping currency as needed.
• 16. 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 computer literacy and excellent keyboard skills.

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.

Location: Southampton

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 new business development 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.

Skills and Education:

• 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.

Credit Department Manager

Reports to: Chief Credit Officer

Summary: To screen, review, structure and process commercial loan applications and present loans for approval to Executive Management or the Board of Directors when necessary. Perform Loan Administration functions in regard to tracking approved loans and recommending and recording Loan Policy changes.

Location: Islandia

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

• 1. Responsible for managing the loan underwriting process including spreading and analyzing financial statements, structuring loan requests and preparing loan offerings for management or loan committee approval.
• 2. Responsible for screening loans in the Loan Department pipeline for submission for underwriting and adherence to loan policy guidelines.
• 3. Read and ensure compliance with loan policy all loans presented for approval either to loan committee or executive management.
• 4. Attend Loan Committee meetings; take minutes of the meeting and present compiled minutes for approval of the Loan Committee.
• 5. Call on prospective and existing customers to develop and further banking relationships with Gold Coast Bank.
• 6. Assist Executive Management with providing customer service to key customers including managing the application and approval process, moving loans to closing and overseeing establishment of deposit relationships.
• 7. Decisions all of the Overdrafts within the Bank on a daily basis ensuring that overdrafts are covered the same day. Ensure that approvals are obtained for all overdrafts in excess of designated authority. Report to the President and Compliance Officer all REG O overdrafts and follow for “same day” transfer of funds.
• 8. Review and comment on the CEIS reviews, highlighting any significant findings within the report and advising the CCO and President/COO/CLO of same. Respond to CEIS with bank comments on the report including agreeing or disagreeing with upgrades or downgrades in Credit Risk ratings and any other findings (i.e.: comments on exception levels). Follow up that recommended upgrades or downgrades are processed in the system.
• 9. Send out Loan Approvals to the Board of Directors requesting approval of loans that exceed Loan Committee limits. Communicate the vote tallies to the Chairman/CEO, President/COO/CLO and CCO, Secretary of the Board and document the Director approval of the loans.
• 10. Receive monthly updates on Problem Loans and incorporate the updates into the Criticized, Classified Loan report.
• 11. Prepare the Criticized, Classified Loan report for monthly presentation to the Board of Directors.
• 12. Maintain in-depth knowledge of problem loans in the portfolio in order to prepare the quarterly ASC 310 analysis for the Allowance for Loans and Lease Losses calculation. Recommend upgrade or downgrade of loans during the ASC 310 calculation process and on an ongoing basis, during the underwriting and review process.
• 13. Oversee the preparation of all loan reports submitted to the Board including the Quarterly Concentration report, Loan Production report, REG O Overdraft report, Non-Accrual Loans report and Exceptions to Loan Policy report.
• 14. Responsible for documenting recommended changes to the Loan Policy including preparing recommendation memorandums outlining the proposed changes for approval of the Loan Committee and Board of Directors.
• 15. Responsible for tracking all loan approvals.
• 16. Biweekly, oversees compiling the loan committee packages for submission to the Loan Committee.
• 17. Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.

Skills and Education:

• 1. Bachelor’s degree in Accounting Finance or Economics.
• 2. Formal bank credit training.
• 3. Must have excellent interpersonal skills, excellent organizational skills and excellent oral communication skills.
• 4. Must exhibit planning skills, excellent written skills and excellent communication skills.
• 5. Must exhibit excellent time management skills and excellent customer service skills.
• 6. Must be proficient in budgeting, budget analysis.
• 7. Must have least three years analytical experience or five years credit analysis experience.
• 8. Must be proficient in market analysis and risk analysis.
• 9. Must be proficient in Microsoft Excel, Word, PowerPoint and Outlook.

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.

Location: Mineola

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 new business development 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.

Skills and Education:

• 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.

Business Development Officer

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. Majority of time spent doing outside sales.

Location: Mineola

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

• 1. Responsible for new business development by networking and managing a portfolio of COI (Centers of Influence).
• 2. Responsible for attaining Bank goals through active participation in sales management and officer calling programs.
• 3. Ensure profitability of branch by increasing fee income and controlling expenses.
• 4. Oversee and participate in expansion and management of consumer and business account relationships.
• 5. Identify customers with additional profit potential and develop action plans to expand those relationships.
• 6. Responsible for adherence to Bank policies and procedures with regard to new deposit and loan customers. Working with Assistant Branch Manager, who will oversee daily operations, ensure that staff is in compliance.
• 7. 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 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.

Relationship Manager

Reports to: Chief Credit 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.

Location: Islandia

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.

Skills and Education:

• 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.