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:

Customer Service Representative/Teller - Southampton
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. 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. 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.
Residential Mortgage Loan Originator - Brooklyn
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.

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 - Brooklyn
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 quality commercial and industrial loans as well as commercial real estate transactions.
  2. Broaden existing customer relationships by cross-selling both business and consumer products and services.
  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. Approves loans within established limits or refers loan to loan committee for approval. Make verbal presentations to loan committee.
  7. Verifies loan agreements are complete and accurate according to policy.
  8. Coordinates the appropriate approvals, signatures and documentation requests.
  9. Familiar with a variety of concepts, practices, and procedures required for this position. Relies on experience and judgement to plan and accomplish goals.
  10. A wide degree of creativity and latitude is expected.
  11. Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.
  12. Perform short concise annual review of each borrowing relationship assigned.
  13. Work with CLO/CCO to develop reports and policies in line with general banking requirements.
  14. Assist CLO/CCO with certain Administrative Tasks and credit quality issues.
Commercial Lending Underwriter
Job Title:            Commercial Lending Underwriter

Reports to:                  Head of Credit Department

Summary: To review and process commercial loan applications and present loans to Senior Management or the Board of Directors when necessary.

Duties and Responsibilities include, but are not limited to, the following. Other duties may be assigned.
  1. Responsible for analyzing the credit worthiness of the Bank’s commercial relationships and Prospects.
  2. Verifies accuracy of all incoming loan information for each file.
  3. Performs detailed analysis of the client’s financial statements, during which income statement, balance sheet and statement of cash flows are examined.
  4. Analysis also includes consideration of the client’s industry, competition, suppliers and current market conditions; knowledge of the local market is required.
  5. Assures all credit reports, appraisals and other information for loan approval is obtained in file.
  6. Refers loan to loan committee for approval.
  7. Verifies loan agreements are complete and accurate according to policy.
  8. Verifies accuracy and required legal documentation for each loan.
  9. Coordinates the appropriate approvals, signatures and documentation requests.
  10. Familiar with a variety of concepts, practices, and procedures required for this position. Relies on experience and judgment to plan and accomplish goals.
  11. Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.


Qualifications:
  1. Must have a Bachelor's degree in Accounting, Finance or Economics with at least three years analytical experience, or Bachelor's degree with at least three years credit analysis experience.
  2. Must have an excellent proficiency in Microsoft Word and Excel.
  3. Must have excellent verbal and written communication skills.
  4. Must have formal bank credit training.
  5. Must possess excellent analytical skills, and time management skills.
  6. Must have excellent oral communication skills and written communication skills.
  7. Must have an excellent literacy for the computer, and an excellent aptitude for math.
  8. Experience with Sageworks credit underwriting software preferred (not required).
Jr. BSA Analyst
Reports to:                    Vice President – BSA/AML/OFAC Officer

Summary: The Jr. BSA Analyst will assist the BSA/AML/OFAC Officer in the developing, implementing and administering all aspects of the Bank Secrecy Act/Anti-Money Laundering/Office of Foreign Assets Control (OFAC) Program. This position will perform various suspicious activity and quality control reviews/monitoring in the area of the Bank Secrecy Act, USA PATRIOT Act, Customer Identification Program, and OFAC compliance using industry standards and regulatory guidance sampling methods to ensure the Bank’s compliance efforts are maintained on a daily basis.

Duties and Responsibilities include, but are not limited to, the following:
  1. Review daily cash reports to identify Currency Transaction Reports (CTRs) for filing through BSA e-filing.
  2. Analyze AML alerts generated monthly by the FCRM system for suspicious activity, and file Suspicious Activity Reports (SARs) when applicable.
  3. Prepare case files for the escalated alerts with the required documentation.
  4. Conduct the monthly review of the monetary instrument log.
  5. Analyze and determine if OFAC matches generated at account opening, through the purchase of a Bank Check or through incoming/outgoing wire screening is an exact match.
  6. Conduct a name check through various systems upon an SDN update to ensure names are being captured accordingly, and scan the supporting documentation of the check.
  7. Analyze the Watch List alerts upon an SDN update for any potential matches.
  8. Perform the bi-weekly FinCEN 314a request searches and analyze the alerts, if any, for any potential matches.
  9. Assist the BSA Officer with the monthly Customer Identification Program (CIP) reviews to ensure all CIP information is captured and the risk rating is accurately reflected in Navigator (core).
  10. Assist the BSA Officer with the monthly incoming/outgoing wire reviews for any potential suspicious activity (reoccurring originator/reoccurring beneficiary).
  11. Assist the BSA Officer with performing Enhanced Due Diligence (EDD) reviews on designated High Risk customers on a monthly/quarterly basis.
  12. Assist the BSA Officer in ensuring New Hires complete the required assigned training modules within 30 days of hire.
  13. Assist with the completion of the monthly BSA report to the Board of Directors.
  14. Perform searches to comply with the Special Measures sanctions.
  15. Conduct annual reviews of exempt customers.
  16. Assist in responding to BSA/AML/OFAC internal audits and regulatory exams.
  17. Any additional duties as required by Management.


Qualifications:
  1. Associates Degree preferred or equivalent experience.
  2. Minimum 4 years’ experience in bank operations and/or BSA.
  3. Must exhibit excellent analytical, verbal, written, and interpersonal skills.
  4. Must have an ability to perform functional duties and related positions with minimal supervision.
  5. Good working knowledge of government regulations with particular emphasis on the Bank Secrecy Act, USA PATRIOT Act, Office of Foreign Assets Control and related regulations.
  6. ACAMS Certification preferred.
Jr. Accountant
Reports to:                   Senior Accountant

Summary: Assist with all aspects of the accounting function including, but not limited to, reconciliations, accounts payable and general ledger postings.

Duties and Responsibilities include, but are not limited to, the following:
  1. Analyze, verify and post transactions to journals, ledgers and other records.
  2. Analyze, investigate and correct accounting entries as needed.
  3. Assist Senior Accountant with daily and monthly reconciliation of multiple general ledger accounts.
  4. Review invoices for accuracy and completeness. Sort documents by account name or number and process invoices for payment.
  5. Perform accounts payable function within the organization's established policies.
  6. Examine records of amounts due and ensure invoices are paid according to terms.
  7. Direct invoice processing and verification, expense coding, and drafting of payment checks or vouchers.
  8. Calculate and process special checks, reviews, edits and make corrections and adjustments as needed.
  9. Assist Senior Accountant with fixed assets and prepaid workbooks.
  10. Complete daily balance sheet report.
  11. Assist Senior Accountant with reconciling Federal Reserve Bank account.
  12. Complete all clerical work relating to responsibilities.
  13. Assist in creation of ad-hoc reports and financial analyses.
  14. Complete the required training as assigned by the Compliance Department.


Qualifications:
  1. Bachelor’s degree in Accounting.
  2. Financial industry experience preferred.
  3. Excellent oral and written communication skills and time management skills.
  4. Detail oriented with excellent organizational skills.
  5. Proficient in Microsoft Word, Excel and PowerPoint.

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