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:

Experienced 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.
Credit Department Manager
Job Title:           Credit Department Manager

Reports to:         Chief Credit Officer/Chief Lending 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.

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 CLO/CCO and President/COO 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 and CLO/CCO, Secretary of the Board and document the Director approval of the loans.
  • Receive monthly updates on Problem Loans and incorporate the updates into the Criticized, Classified Loan report.
  • Prepare the Criticized, Classified Loan report for monthly presentation to the Board of Directors.
  • 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.
  • 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.
  • 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.
  • Responsible for tracking all loan approvals.
  • Biweekly, oversees compiling the loan committee packages for submission to the Loan Committee.
  • Employee will complete the required classes assigned to them by the Compliance Department in order to be in compliance.


Qualifications:
  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 - Southampton
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 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.
  • 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.
Full Time Customer Service Representative - Brooklyn
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. Understands procedures to be followed in case of robbery or other emergency.
  4. 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.
  5. Promotes and sells the banks products and services to all customers.
  6. Trains new teller personnel in processing and balancing procedures.
  7. Ensures exceptional customer service.
  8. Performs other duties as assigned.
  9. 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.
Part Time Customer Service Representative - Brooklyn
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. Understands procedures to be followed in case of robbery or other emergency.
  4. 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.
  5. Promotes and sells the banks products and services to all customers.
  6. Trains new teller personnel in processing and balancing procedures.
  7. Ensures exceptional customer service.
  8. Performs other duties as assigned.
  9. 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.

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