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In partnership with Sandy Spring Bank, my firm, AJ Consultants has been retained for their Senior Internal Audit Manager role. A role that can sit in house or be remote with travel. SSB Bank is premier player in the Mid Atlantic with about 13.4B in assets.

SSB, is a leading bank. With over 50 locations, it offers an array of commercial and retail banking, mortgage, private banking, and trust services throughout Maryland, Virginia, and Washington, DC They have been recognized as a Top Workplace by The Washington Post and Baltimore Sun, a Best Bank to Work For by American Banker and is certified as a Great Place to Work™.

GENERAL SUMMARY:

The Senior Internal Audit Manager is responsible for assisting with the development and execution of the annual audit plan for responsible areas of coverage. Areas of coverage may include Banking (Lending / Deposit), Finance, Enterprise Functions, Risk Management, Wealth Management, and/or Sarbanes Oxley. In addition, the Senior Internal Audit Manager contributes to continuous improvement initiatives focused on audit methodologies and processes, and technology-based tools and solutions as applicable. This position is responsible for managing and conducting internal audits and SOX testing, monitoring progress on the resolution of audit issues, and performing issue validation and continuous monitoring activities for responsible areas of coverage. The Senior Internal Audit Manager is also responsible for identifying risks and controls, developing test plans, performing audit procedures, completing audit work programs, drafting and communicating audit issues and audit reports. This role contributes to providing input to the development of various internal audit processes, and providing training, coaching and supervision to Internal Audit staff. The Senior Internal Audit Manager works independently under general direction with latitude for initiative and independent judgment.

The following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

MAJOR JOB ACCOUNTABILITIES:

Assists with and drives preparation of a comprehensive risk-based, multiyear plan of audit coverage for assigned areas
Manages multiple audit projects and assignments and produces meaningful audit reports that clearly communicate risks and core audit issues
Contributes to the overall strategic plan, develops goals and monitors accomplishments
Directs a variety of audit and SOX testing activities
Develops, plans, and oversees all phases of internal audit activities, including planning, fieldwork, issue management, reporting, and continuous monitoring
Leads a team of auditors, providing support and assistance when necessary
Manages resource allocations for all audit activities
Develops relationships with department and business
Communicates effectively with business leaders and audit leaders
Manages audits in an effective and efficient manner
Stays current and informed of federal and state banking laws and regulations applicable to responsible areas of coverage
Ensures work is performed in accordance with Internal Audit’s methodology and IIA standards
Possesses strong project management, organizational, time management, and interpersonal skills; makes sound decisions, exhibiting initiative and intuitive thinking
Must be able to effectively multi-task and ensure timely delivery of various audit activities while maintaining high quality
Performs other duties as assigned or requested by the Audit Director or Chief Internal Auditor

KNOWLEDGE, SKILLS, AND ABILITIES:

Bachelor’s degree from an accredited college or university
9 or more years progressive internal audit or examiner experience with a significant portion in the financial services industry; regional and/or large bank experience preferred
Professional certification such as CIA, CAMS, CRM, CFE, CISA
Thorough understanding of professional standards for internal auditing in the financial industry
Ability to influence and effect change
Possess business acumen and judgement
Experience with audit management systems (AuditBoard) preferred
Skill in collecting and analyzing complex data, evaluating information and systems, and drawing logical conclusions
Strong oral and written communications skills, including the ability to effectively communicate audit findings to all levels of management.
Ability to establish and maintain harmonious working relationships with co-workers, staff and external contacts, and to work effectively in a professional team environment
Self-motivated and self-directed with a “hands-on” style to lead change

SPECIFIC PHYSICAL REQUIREMENTS:

Work requires reasonable mobility in and around the work area. Ability to use standard computer and phone systems is required.

WORKING CONDITIONS:

Normal office environment where there is almost no discomfort due to temperature, dust, noise, or other disagreeable elements.

Work includes little or no potential exposure to hazardous conditions.

Must be able to travel throughout SSB footprint as needed.

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In partnership with Sandy Spring Bank, AJ Consultants LLC has been retained for their Senior Credit Officer-Special Assets role in Reston, Virginia. This role, is responsible for managing the Special Assets personnel and that segment of the Bank’s credit approval, administration and review activities.

Responsible for credit quality monitoring and providing input into the development and implementation of sound account workout policies and procedures. This person will work with Relationship Managers and Market Leaders as well as the Special Assets staff on the approval of loan workout strategies to minimize any potential losses to the Bank. Identifies potential problem credits and guides the restructure and/or exit strategy. The Senior Credit Officer will manage the teams, chair the monthly and quarterly watch list meeting, prepare and present to executive leadership, develop and implement the banks credit policy and procedures for workout and special assets , etc.

SSB, is a premier bank in the Greater Washington, DC region. With over 50 locations, the bank offers a wide array of commercial and retail banking, mortgage, private banking, and trust services throughout Maryland, Virginia, and Washington, DC Through its subsidiaries, Rembert Pendleton Jackson and West Financial Services, Inc., Sandy Spring Bank also offers a comprehensive menu of wealth management services. Sandy Spring Bank has been recognized as a Top Workplace by The Washington Post and Baltimore Sun, a Best Bank to Work For by American Banker and is certified as a Great Place to Work™.

Full description below:

MAJOR JOB ACCOUNTABILITIES:

Management of Teams

Oversees team of loan workout officers and staff personnel. Lead and develop team

members by standardizing work templates, and manage work flow capacities.

Chair Monthly and Quarterly Watch List Meeting
Chairs the monthly and quarterly watch list meetings with line leadership, senior management to review the past due loans and any special assets loans being management by the department or by the line. Responsible for minutes from these meetings.
Prepare and present reports for executive management
Responsible for preparing and presenting reports, including projections for the monthly CRC Trend meetings.
Portfolio Management:
Manage a loan portfolio consisting of large, complex commercial real estate and/or specialized substandard or criticized credits to minimize credit losses, ensure return matches risk and, where possible, return customers to a satisfactory rating. Recommends appropriate workout plans on these credits which translate into acceptable payments or in the alternative, moves the account towards foreclosure/liquidation. Consults on deteriorating complex credits and recommends the appropriate course of action in handling a problem account. Appropriately monitors the progress of workout accounts and recommends any required changes in action necessary to minimize loss or prevent losses.
Development and Implementation of Bank Credit Policy, Procedures and Work Standards for Special Assets:
Identifies, develops and recommends revision of internal standards, policies, operating procedures and new programs to improve efficiency within the Special Assets area. Monitors compliance with policy for assigned areas.
Key Business Partner:
Works with line staff and managers on the rehabilitation or work-through of loans, ensuring that the credits adhere to existing credit policy guidelines whenever appropriate.

Assists with training, development and coordination of special asset officers, portfolio managers and credit analysts when the opportunity exists. Provides guidance and coaching to ensure loan presentations are completed professionally and meet standards of

quality. Work closely with the Chief Credit Officer. Participate in pipeline meetings to provide guidance on structure, concentration levels, portfolio management, asset quality, etc.

Compliance:
Ensures conformity with all laws and regulations affecting commercial loans. From time to time, may be called upon to work as a liaison with loan reviewers, state and fed examiners, as needed.

KNOWLEDGE, SKILLS, AND ABILITIES:

Bachelor’s degree in a related field.
10+ years of Commercial Real Estate and Acquisition Development and Construction

Loan workout experience. Strong knowledge of CRE credit analyses and monitoring progress in consideration of market trends, credit/interest rates, economic conditions and other related factors. Track record of increasingly responsible job related experience.

5+ years of experience in a senior leadership role
Proven interpersonal skills with a strong focus in being able to influence and facilitate

cooperation among staff and those departments with which this department has direct,

frequent interaction.

Experience with personal computer systems to effectively develop reports and analyses

using standard desktop processing software.

SPECIFIC PHYSICAL REQUIREMENTS:

Work requires reasonable mobility in and around the work area. Ability to use standard computer and phone systems is required.

WORKING CONDITIONS:

Normal office environment where there is almost no discomfort due to temperature, dust, noise, or other disagreeable elements.
Work includes little or no potential exposure to hazardous conditions.
Must be able to travel throughout SSB footprint as needed.

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AJ Consultants is proud to partner with MVB Financial Corp. (MVBF)on another unique leadership opportunity. We have been retained to lead the search for their Head of Payments. This role will provide leadership to the FinTech Banking team, provide oversight of account management and drive operational excellence initiatives within Fintech payments. The Head of Payments will provide strong leadership of merchant acquiring and card issuing sponsorship relationships, and non-card Fintech payments business lines for the bank (ACH, RTP, Wire). MVB partners with some of the world’s larger and most dynamic payment providers. Network relationships include: Visa, MasterCard, acquiring and issuing processors.

I.) JOB DESCRIPTION:

MVB’s Fintech Banking business has grown significantly over the past five years. Fintech Banking has become a key driver of deposits and fee income to MVB Bank. Total Fintech Banking program deposits now exceed $2.4 billion through dozens of client and partner relationships.

The SVP, Head of Payments is tasked with providing strong leadership for MVB Bank’s FinTech Banking team. The department has re-focused its near-term strategy around growing existing key partnerships rather than adding additional ones. Existing key partners include some of the world’s largest payments providers. The role includes oversight of the bank’s FinTech account management and client delivery teams client and partner implementations, and partner and network relationships (Visa, MasterCard, acquiring and issuing processors). The Head of Payments provides strong leadership of merchant acquiring and card issuing sponsorship relationships, and non-card FinTech payments business lines for the bank (ex., ACH, RTP, Wire) is paramount. The SVP will work very closely with the bank’s Chief Operations and Digital Officer, Chief Information Officer, Chief FinTech Risk & AML Officer, Chief Risk Officer, President & CEO, and other bank leaders and their team members. The leader in this role will have extensive knowledge of merchant acquiring and card issuing business lines, and sufficient knowledge of non-card payments, including, ACH, RTP, and Wire.

II) DUTIES AND RESPONSIBILITIES

Oversight of the Fintech Banking account management and client delivery teams providing day-to-day support for existing FinTech clients and partners.
Ensure Fintech Banking is providing high-touch service to its sponsored partners in the areas of card acquiring, issuing, Visa Direct/MC Send, RTP, ACH, and Wire.
Oversee P&L, revenue and/or deposit growth goals for existing clients and partners.
Direct and lead a team of individuals working within the assigned business verticals, including day-to-day oversight, team member goal-setting, and bi-annual employee reviews.
Partner with the bank’s Chief Operations and Digital Officer, Chief Information Officer, Chief FinTech Risk & AML Officer, Chief Risk Officer, President & CEO, and other bank leaders and their team members to deliver on the Company’s strategic goals related to Payments.
Lead or assist in negotiating complex FinTech partner contract extensions and/or terminations.
Oversee development of policies and procedures related to the business line.
Ensure the development of performance metrics, alignment, tracking and follow up for the FinTech organization.
Lead the launch of new products/services, if/when needed.
Drive overall operational excellence initiatives for Fintech Payments at MVB, including participation in company-wide initiatives related to Operational Excellence.

EDUCATION AND WORK EXPERIENCE

Bachelor’s Degree with at least 15 years of demonstrated experience is required, and an Advanced degree is preferred. Prior experience managing Fintech companies preferred.

Experience working with large global payments providers.

Significant experience in card acquiring, card issuing, specifically, through employment with another sponsor bank(s) or t card brands.
Knowledgeable of banking products including account types and uses by FinTech and payments companies.
Financial and operational knowledge, as well as knowledge of banking and payments regulations, policy and procedures that affect the company.

Understanding of launching and managing a sponsored program and

banking operations/Treasury experience with higher-risk clients and FBO accounts.
Consensus builder and ability to work with Risk and support functions.
Excellent listener for building expertise as a consultative team
Expert problem solver to develop solutions for client needs.
Ability to attract, develop and retain top talent.
Strong leadership skills with the ability to inspire people to action through their influence.
Basic or in depth understanding of blockchain and digital gaming business lines a strong plus.
Experience managing regulatory relationships or working in a highly regulated environment is a plus.

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AJ Consultants has been retained by Sandy Spring Bank to find their next Treasurer, a role that will be integral to the banks continued success.

Sandy Spring Bank has been a force in the financial services community for over 150 years. The bank combines decades of creating real experiences for employees, clients, shareholders and communities, while being a cutting edge player in today’s market. Sandy Spring Bank: From here. For here. Are you someone who seeks opportunity and has a true desire to grow your career with an organization that has enriched many lives 15 decades? If so, Sandy Spring Bank may be the perfect fit for you! SSB is proud to have been recognized by The Washington Post and the Baltimore Sun as a Top Workplace, by Forbes magazine as the #1 Bank in Maryland.

GENERAL SUMMARY:

Responsible for overall management of the company’s treasury function including the management of the company’s investment portfolio in accordance with investment policy and business plan goals. Ensures a maximum rate of return from investments consistent with an acceptable level of risk. Provides leadership in developing strategies and tactics to actively manage the company’s balance sheet for profitability, safety, soundness, and increased shareholder value.

MAJOR JOB ACCOUNTABILITIES:

Leads the asset/liability management process and serves as a member of the Asset/Liability Management Committee (ALCO). Oversees the operation of the Sendero asset/liability management model and communicates results and recommended strategies to ALCO. Provides interest rate forecasts for developing corporate earnings projections and financial plans.

Manages the company’s investment portfolio. Provides leadership in establishing appropriate targets for duration, yield, structure, mix, and risk. Evaluates, in conjunction with senior management, the short and long-term funding needs of the Bank. Ensures that the required reserve position at the Federal Reserve is met. Serves as a member of the Funds Management Sub-Committee of ALCO and the Investment Committee.

Manages the treasury accounting function including accounting for investments, wholesale funds, and derivatives.

Analyzes the liability structure of the organization including the review and forecast of the sources and uses funds of the company. Manages the company’s wholesale funding portfolio including collateral requirements for pledging.
Develops and maintains policies governing the management of interest rate risk, liquidity risk and the investment portfolio. Represents the treasury function in meetings with regulators, rating agencies, investors and equity research analysts.

As appropriate, recommends and executes hedging strategies. Serves as the Chairman of the Hedging & Derivatives Sub-Committee of ALCO.

Sets interest rates on the company’s deposit products. In conjunction with the Chief Credit Officer, establishes pricing of loan products. Serves as a member of the Loan Pricing Sub-Committee of the ALCO.

Participates in the capital management process and provides analytical support for the evaluation of dividend policies, stock repurchase programs and capital issuance.

Monitors the financial condition of the municipalities and agencies whose bonds are held in the investment portfolio.

Keeps up to date with market trends and maintains relationships with key members of the investment community.

Participates in the development of product and business unit strategies, especially when interest rates and capital markets information are critical to their success.

Scope of Authority:

Responsible for overall investment management and funding of the bank.

Decisions made at this level have a major impact on the entire company. Incumbent makes recommendations to establish broad plans and policies that affect the entire organization.

Supervises and coaches assigned staff to develop knowledge, skills, and abilities to maximize performance potential. Documents performance and provide regular feedback to staff on progress.

KNOWLEDGE, SKILLS, AND ABILITIES:

Position requires substantial financial/investment management experience, preferably in the financial services industry. A graduate degree or equivalent professional training in a related field is strongly desired. In depth expertise in financial management, analysis, lending and the regulatory environment are expected. Demonstrated qualities of successful leadership are required.

A varied level of problem solving skills is required. Situations require knowledge of the work and of the unit, which may involve a range of possible solutions to human, technical, or administrative problems of a complex nature. Must be able to organize and prioritize work in order to work effectively.

Work requires excellent written and verbal communication skills.

Position requires regular contact internally and externally with investors, other departments, and community organizations to resolve more sensitive problems, and clarify company policies/procedures. Good interpersonal skills are needed which includes the use of sensible judgment, tact, and persuasion to represent the company professionally and to maintain a positive rapport within the organization.
Work is under minimal supervision where the work requires independent judgment in the interpretation and creation of policies and procedures.

SPECIFIC PHYSICAL REQUIREMENTS:

Work requires reasonable mobility in and around the work area. Ability to use standard computer and phone systems is required.

WORKING CONDITIONS:

Normal office environment where there is almost no discomfort due to temperature, dust, noise, or other disagreeable elements.

Work includes little or no potential exposure to hazardous conditions.
May be required to travel throughout SSB footprint for meetings.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

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AJ Consultants has been retained by MVB Financial Corp. for their Chief Risk Officer search. This is a key role with one of the true entrepreneurial community banks and top Fintech’s in the industry. At MVB they think big, striving to empower their communities and to embrace industry disruption. They are focused on the future with an eye toward “blue ocean” opportunities. This spot will be pivotal in the banks continued unique success story.

Reporting to the Chief Executive Officer, the Chief Risk Officer (CRO) leads the Office of Risk Management to include the Compliance and Legal functions of the Bank. The CRO is responsible for the execution of a risk management program and associated activities. The position works directly with the MVB Board’s Risk and Compliance Committee and will continue to build MVB’s risk management capabilities. The CRO ensures appropriate and effective legal and risk management is occurring at all levels and functional areas within MVB, including all of its subsidiaries.

DUTIES AND RESPONSIBILITIES

Provides oversight for MVB’s Risk Management and Legal functions. This includes oversight for the creation, monitoring, modification and testing of policies, processes, tools, trainings, systems, and talent needs as they pertain to risk management.
Provides leadership strategy and direction, mentoring and coaching to the Compliance and Legal teams and related supporting activities. Design and ensure organizational structure and partnership to support matters across the company.
Assures that risk areas adequately identify, measure, control, and monitor MVB's credit, market, liquidity, operational, legal, compliance, strategic and reputation risks relative to the products, services and activities for which they are responsible.
Promotes a culture of transparency and constructive communication with MVB’s examiners and other regulatory personnel; ensures that responses to regulatory requests and reporting directives are verifiably factual and fully responsive.
Assures effective Risk Management tools, practices, and policies to analyze and report enterprise risks, and to manage risks according to an enterprise risk management framework.
Monitors Legal and Risk management processes and procedures throughout the organization.
Supports the Board of Directors in its implementation, review and approval of the risk governance framework which includes MVB’s risk culture, the Board’s risk profile and appetite.
Advises executive and senior management and the Board on various matters to ensure the company is fulfilling its legal obligations.
Ensures the Bank operates within legal and regulatory requirements, and as a public company related to accountability, transparency, fairness, responsibility, and risk management.
Sets standards and best practices regarding risk policies, guidelines, procedures, and systems to ensure risk requirements are applied and adhered to at all levels.
Works effectively with business units to identify, analyze, and mitigate internal and external risks to support MVB’s growth.
Works closely with the CEO and other management members to assist in reviewing any new products, services, policies, procedures, system changes or integration planning with respect to the assessment of risk identification, analysis and mitigation strategies.
Conducts periodic measurement of the company’s risk profiles through development and implementation of specific key risk indicators and risk assessments.
Ensures ongoing monitoring of the risk-taking activities and exposures to ensure they are in line with the board-approved risk profile and appetite.
Engages proactively with other leadership team members to evaluate the risk and reward of strategic opportunities and challenges and to identify and analyze risks within the company's business units.
Leads efforts to build and foster transparent and risk-conscious culture in which all employees embrace and act on their responsibility to manage strategic, market, compliance, operational, and reputational risks.
Conducts risk assurance and due diligence on behalf of the organization in events of mergers, acquisitions, and business deals.
Establishes an early warning notification or trigger system for breaches of MVB’s risk tolerance or immediate risk situations.
Identifies risk ownership gaps and overlap requiring resolution to ensure appropriate ownership of high risks and then monitors the planned actions including progress of risk mitigations put in place.
Communicates relevant information regarding MVB’s legal and risk management programs to the appropriate audiences through different means (meetings, presentations, internal website, emails).
Ensures education at all levels regarding risk management and that the specific MVB ERM program is in place and accessed by team members.
Perform other duties as required and assigned by the CEO or the Board of Directors.

EDUCATION AND WORK EXPERIENCE

Bachelor’s degree in accounting, finance, economics, or related field, or equivalent work experience. Advanced degree (JD, MBA) highly preferred
At least 15 years’ of demonstrated experience in business and risk, with at least 10 years’ experience in leading risk management activities in a large organization (financial institution preferred)
Extensive knowledge of risk areas including, operational strategic compliance risks.
Experience managing risk with non-bank financial institutions and/or fintech companies
is a plus
Understanding of relevant regulations, industry trends, competitive landscape, tying in
with the compliance, regulations and a focus on operational efficiency.
Experience with general risk management principles and practices
Extensive knowledge of risk analysis and mitigation
Excellent technical report writing skills and knowledge
Excellent verbal and written communication skills
Keen business acumen
Strong process orientation
Experience with and demonstrated ability to communicate complex issues and manage
key senior level relationships with clients, regulators, executive management, and counter-parties
Critical thinking skills
Strong collaboration and team building skills
Organized, detail oriented, and ability to work independently

AJ Consultants has been retained by Dedham Savings ($2.4B mutual bank) to assist in securing the Bank’s next Director of Accounting. This is an exciting opportunity to join dynamic community Bank that is committed to respecting its culture while also embracing the opportunities that being a mutual afford us. Dedham Savings believes innovation and a focus on outstanding financial performance, benefits the Bank’s clients, communities, and employees well into the future, by promoting financial strength and success in the people and businesses we serve. Dedham Savings prides itself on an inclusive environment where every voice is heard and where differences are valued, powering a workplace that promotes teamwork, innovation, and transparency.

Reporting to and partnering with the CFO/COO (Mark Ingalls), the Director of Accounting will be responsible for the Bank’s entire accounting and finance function including a team of four accounting professionals.

I am actively scheduling exploratory calls with potential candidates this week and next. Should you or anyone you know be interested in learning more please contact me directly:

B.J. Berrettini

bberrettini@ajconsultantsllc.com

570-714-3112

Job Description

SVP, Director of Accounting

Department: Accounting and Finance Date: April 2024

Reports To: EVP,CFO/COO

SUMMARY

At Dedham Savings, we believe that being here for the journey means supporting our customers every day in a friendly and professional manner every day. While our employees are committed to helping our customers, we are committed to our employees. After all, we wouldn’t have made it 192 years without them! To support our employees, we offer a competitive benefit package with Medical, Dental, Vision, Flexible Spending, Tuition Reimbursement, Retirement, Life Insurance, and many other benefits.

The Senior Vice President, Director of Accounting directs the day-to-day operations of and manages the accounting and financial reporting functions of the Bank. The Director of Accounting oversees the preparation and review of all regulatory reports, and monthly and annual financial reports, and manages the annual budget process. This role manages the accounting team and has responsibility for the Purchasing Department.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Manage Accounting/Finance Department including planning, assigning, and directing work; appraising performance; addressing complaints and resolving problems.
Research and interpret new accounting and regulatory pronouncements. Determine their financial and operational impact on the organization.
Develop and implement new accounting policies and procedures within the organization by working with other business line leaders where necessary.
Review and revise accounting policies and procedures when changes are warranted.
Ensure the daily, month-end, and yearend accounting processes for all entities.
Review financial results for reasonableness. Investigate and report on variances.
Lead the month-end closing meeting by reviewing and discussing results with CFO/COO.
Oversee the production of management, board, and regulatory financial reports.
Ensure the timely and accurate filing of all regulatory reports including but not limited to: FDIC Call Report, and quarterly DIF reports.
Coordinate the production of annual audited financial statements and footnotes with external auditors.
Collaborate with the CFO/COO in the preparation of the annual budget.
Work with business line leaders in determining where expenditures should be appropriately allocated or budgeted.
Produce a budget for accounting/finance, balance sheet, and certain corporate expenditures.
Assist business line leaders in researching budget variances as needed.
Supervise the production of investment reporting for EC and BOD.
Work with Investment vendors to adhere to Bank policies are adhered and improve operating and cost efficiencies.
Ensure investment accounting practices follow current GAAP.
Assist Internal Audit with the management of the Bank’s FDICIA program by ensuring that business line leaders have reviewed their financial controls for accuracy.
Provide accounting guidance in the treatment of non-accrual, individually assessed loans and real estate owned.
Perform the quarterly ACL reserve calculation and related reports.
Ensure that accounting software and vendors are appropriate for the size and complexity of the organization.
Research new software and vendors and make recommendations to change or acquire when needed.
Oversee the implementation/conversion of software when necessary.
Oversee the calculation of the daily cash position and monitor the reserve requirement to ensure adequate reserves are maintained.
Provides ALM data to Bank’s ALM third-party service provider to produce a quarterly ALM report package. CFO/COO provides oversight to the process, which includes reviewing key assumptions and model construction to ensure IRR, Liquidity, and Capital risks are appropriately measured.
Monitor FHLBB collateral levels to ensure access to liquidity. Works with CFO/COO to secure wholesale funds as needed.
Work with the Bank’s external tax preparers in the computation of income tax accruals and preparation of various federal and state tax returns; review returns for accuracy.
Work with Bank’s external tax preparers to compute quarterly tax estimates and transmit tax payments to appropriate tax authorities on a timely basis.
Oversees tax filing related to non-payroll tax withholdings, such as use tax and deposit account backup withholdings.
Work with Bank’s external tax preparer to resolve discrepancies or findings brought to Management’s attention by tax authorities.
Work with the Bank’s office supply, printing, and mail vendors along with the Bank’s expense management consultant to improve service quality and improve cost efficiency.
Oversees the activities of the accounting staff. Develops and ensures their effectiveness by providing educational, training, and special project opportunities to the staff. Conducts performance reviews, and provides advice and guidance as needed.
Ensures that departmental operations comply with applicable laws, regulations, and accounting standards.
Enforce policies concerning payments for operating costs and capital expenditures. Ensure processes and internal controls related to expense disbursements are commensurate for a bank of its size and scope of operations.
Continuously researches opportunities to improve efficiencies within the department or organization.
Financial liaison to regulatory examiners, external auditors, and tax advisors. Manage the production of documents required by such third parties.
Understand department operating metrics and continue to improve bank efficiencies.
Performs any functions necessary, within the scope of authority and expertise, to provide the highest level of service and responsiveness to internal Bank customers.
Exhibit ability and desire to embrace and enhance the Dedham Savings culture.
Adhere to the Bank’s privacy and data security policies including but not limited to safeguarding of sensitive information and complying with relevant regulations to protect non-public information.

SECONDARY/ RESPONSIBILITIES

None

SUPERVISORY RESPONSIBILITIES:

Four direct reports

Consider this description to be the foundation of your job, not its boundaries. Expect to participate in internal and external training sessions and activities not described here which enhance the quality of service to the client.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

Master’s degree - Accounting or Finance and CPA certification preferred.
Ten or more years of progressively responsible related experience.
Ability to multi-task while adhering to strict deadlines.
Ability to interpret emerging regulatory and accounting guidance and their impact on the Company.
Excellent written and verbal communication skills.
Proactive analytical thinking and problem-solving ability.
Ability and desire to mentor staff.
Ability to use Microsoft Office.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel, reach with hands and arms; and talk or hear. The employee is occasionally required to stand and walk. The employee must regularly lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, peripheral vision, and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

KEY POINTS

Dedham Savings is committed to providing equal opportunity for all employees and applicants without regard to race, color, religion, gender, sexual orientation, age, marital status, national origin, physical or mental disability, veteran or disability status, gender identity, or expression, citizenship, genetic information, ancestral origin, military status, pregnancy, childbirth, and or conditions relating to pregnancy or any other related medical conditions or any other status protected by Federal, State or local laws.

Here at Dedham Savings we strive to foster a culture where every voice is valued and where employees have a sense of belonging and connection with each other. We are dedicated to creating a work environment that understands, supports, and welcomes diverse perspectives and backgrounds. Together, we will create an inclusive and culturally competent and supportive environment where employees model behavior that enriches both Dedham Savings and the communities we support.

EOE/F/M/Vet/Disabled

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AJC has been retained by a long-time partner, a $13B regional bank to find the right SVP, Asset Based Lending Relationship Manager to sit in the Philly/Southern NJ market as a part of a committed expansion of the bank’s ABL vertical.

We have partnered with this excellent commercial bank for the past 8 years and filled many commercial positions throughout PA, NJ, CT and MA. Our connections at the bank extend to and throughout the executive team so we can confirm the bank's deep commitment to expanding the ABL team. Because of our relationship with the key players we are able to answer any and all of your questions about the bank's history, strategy, culture, etc.

If you are not interested personally, but your background and experience puts you in a position to know select ABL talent throughout Southeastern PA and NJ please feel free to pass on the names of anyone you feel might benefit by learning more about this excellent opportunity.

We are actively scheduling calls with candidates, so please reach out soon.

Thank you and best regards,

B.J. Berrettini

Executive Director

570-714-3112

bberrettini@ajconsultantsllc.com

JOB DESCRIPTION

Division: Commercial

Department: Asset Based Lending

Reports to: SVP, Regional Leader (Mid-Atlantic)

Location: Blue Bell, PA or Remote

Purpose/Objective:

Develops and services a variety of mid-to-large sized ABL loans. Actively participates in business development activities to assist in the growth of the bank, including outside calling, and referral to other lines of business.

Key Accountabilities:

Develops, approves, and services a variety of mid-to-large sized ABL loans to meet bank policies and budget objectives. Handles more complex loans, such as participations and provides guidance to lender trainees. Interviews loan applicants and analyzes and evaluates credit data on prospective borrowers. Approves loans within authorized limits and presents data and recommendations to Sr. Loan Officer or Loan Committee when loans are beyond authorized limits. Completes loans by documenting terms, rates, etc. and securing collateral.
Follows-up and services accounts to ensure borrowers’ banking needs are met and relationships are cultivated by providing a high level of customer service. Ensures that loan files are documented with file memo, construction memos, in a timely manner. Evaluates portfolio continuously to ensure that risk rating is accurate and documents required have been received. Monitors relevant financial information that could affect loan status and acts accordingly. Maintains frequent contact with borrowers and acts as agent on all banking matters. Handles all troubled loans until such time as they may be turned over to a workout officer. Responsible for portfolio collection activities.
Identifies and actively develops new business within assigned market to meet department revenue objectives, and is responsible for referral to other business lines from new business.
Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties.

Education:

BS Degree in Business, Economics or Finance, or equivalent financial experience. MBA preferred.

Experience:

15+ years’ experience as a seasoned ABL lender
Solid customer service experience to include customer calling

Skills & Knowledge:

Strong computer and analytical skills
Solid customer service, communication and presentation skills

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2024-03-15T11:02:58 [City] => Philadelphia [State] => PA [PostalCode] => 19019 [Country] => [Status] => Available [ContactId] => [MinSalary] => [ShowOnWeb] => 1 [PositionId] => EB-1419978103 [LastActivity] => 2024-03-18T14:51:06 [LastModified] => 2024-03-18T14:51:06 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [13] => stdClass Object ( [JobId] => 532441794922823 [CompanyId] => 952381292341333 [CompanyName] => Fidelity Cooperative Bank [Industry] => [JobType] => FullTimeRegular [JobTitle] => SVP Commercial Banking [DegreeRequired] => [JobDescription] =>

AJ Consultants has been retained by a long-time partner, Fidelity Cooperative Bank ($1.6B), to lead a search for an SVP, Commercial Banking that will target commercial banking relationships across Central and Eastern Massachusetts.

This role can sit in any of the bank’s offices, hybrid or fully remote with limited travel to HQ for occasional team meetings.

We are targeting both individual contributor and player-coach level talent, therefore multiple positions are available. Fidelity Bank has an established practice serving high-quality C&I and CRE commercial relationships throughout Greater Boston. The ideal candidates are revenue and deposit generating commercial relationship bankers with strong C&I or (C&I/CRE) generalist backgrounds.

Fidelity Bank's LifeDesign culture is not just a tag line. It is who they are. “Caring” and resulting servant leadership mindset is in their DNA. “LifeDesign” is essentially a commitment to create an environment of trust and mutual respect that inspires people to achieve great things for the benefit of all employees and customers alike. LifeDesign permeates the entire organization from top on down and for the right candidate, should be the most compelling reason to explore this opportunity.

I am actively scheduling exploratory calls with select candidates this week and next. Should you or anyone you know be interested in learning more please contact me directly:

B.J. Berrettini
bberrettini@ajconsultantsllc.com
570-714-3112

JOB DESCRIPTION

Department: Commercial Banking
Date: March 2024
Reports To: Chief Lending Officer

About Fidelity Bank:

Founded in 1888, Fidelity Bank is one of the strongest independent community banks in Central and Eastern Massachusetts. Fidelity Bank’s unique LifeDesign approach to banking provides the care and clarity needed to make informed decisions with confidence. The Bank offers a range of personal and business banking solutions to clients in 14 full-service offices in Leominster, Worcester, Fitchburg, Needham, Gardner, Stow, Shirley, Barre, Millbury, Paxton, Princeton, and Winchendon. Fidelity Bank has been voted Worcester Telegram & Gazette Best Bank in Central Massachusetts and Best Financial Services, Best Bank by both Leominster Champion and Baystate Parent, and it has been recognized by the Worcester Business Journal as a Top Workplace. For more information, visit www.fidelitybankonline.com or www.facebook.com/fidelitybankma

SVP, Commercial Banking

SUMMARY: Seasoned commercial lending profession who, under the direction of the EVP, Chief Lending Officer, is responsible for generating and maintaining a portfolio of business in line with the Bank’s policies and procedures for asset quality and portfolio growth.

Utilizing the Life Design process call on prospective and existing clients to nurture ongoing relationships and identify opportunities for Bank products and services.
Produce commercial loans in line with the Bank’s Lending Policy and credit culture.
Generate a network of referral sources for loan opportunities.
Actively identify and refer cross selling opportunities to other areas of the Bank.
Contribute to the achievement of Commercial Team goals as it relates to revenue & portfolio growth, asset quality and compliance.
Attendance at industry and Bank sponsored events to enhance and strengthen existing client relationships and expand professional network
Promote the Bank’s image in the community through participation in business, social and civic group activities.
Formulate loan structures that best protect the Bank and meet the needs of the client.
Facilitate loan closings with the assistance of the Portfolio Manager.
Attend loan closings
Perform regular site visits to existing client base.
Aid in the management of criticized and work out credits as assigned.
Work with the SVP Chief Credit Officer and Portfolio Manager to ensure all managed relationships are appropriately risk rated.
Monitor assigned portfolio for red flags (bankruptcies, late payments, past due taxes etc) and take appropriate action to minimize the risk to the Bank associated with these issues.
Serve as a mentor to junior team members to assist in their professional development.

POSITION REQUIREMENTS:

Bachelor’s degree in business, finance or accounting or equivalent experience.
Minimum 5 years of experience as a commercial lender
Experience as a commercial credit analyst preferred or similar sound credit background.
Knowledge of Small Business Administration guaranty programs.
Strong analytical, verbal, interpersonal and written communication skills.
Strong negotiation and sales ability.
Must be a responsible and independent worker who can interact well with other members of the Commercial Team.
Ability to handle sensitive and confidential situations and documentation.
Ability to prioritize and multi-task.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty

satisfactorily. The requirements listed above are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee

encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Fidelity Bank is proud to offer a competitive compensation and benefits program which includes health, dental, vision, life, and immediate 401(k) plan participation.

To apply for this position, please send complete an internal transfer form and forward to Human

Resources.

Fidelity Bank is an equal opportunity employer.

AJ Consultants has been engaged by a longtime client, a progressive regional $20B bank, to find an A-Player Commercial Middle Market C&I Lender to sit in any of a number of locations East of 495.

This is a committed and inclusive full–service commercial bank with a legacy of investing in the communities they serve. As an inclusive company, they ensure that their valued employees are recognized for their individuality and encourage them to reach their fullest potential. The bank offers flexibility, inspires staff development and recognizes that their employees are unique. When they come together as a team, those differences foster innovation. Their diversity enables them to provide world-class service to their customers, and their reputation makes this bank a wonderful place to work.

Compensation includes a very lucrative base salary, up to 30% bonus and a pension. This role is also RSU eligible.

If you are interested in learning more about this opportunity or know someone who might be, please reach out to me for a confidential conversation.

B.J. Berrettini - Executive Director - New England
570-714-3112
bberrettini@ajconsultantsllc.com

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AJ Consultants has been retained by our long time partner, South Shore Bank a $2.2B mutual bank headquartered in South Weymouth, MA, to find a Relationship Banker with a hunter/closer mentality that will help expand the bank's (commercial) condominium association lending portfolio throughout Greater Boston (MA & NH). Condo Banking is virtually recession-proof and not reliant on a brick and mortar banking locations.

You will report to and learn from the Chief Banking Officer who has over 20 years of condo banking experience with a tremendous brand and client base. Our goal is to find the right relationship banking talent to purposefully represent the bank’s brand throughout your area.

Please review the following job description for a formal breakdown of responsibilities, requirements and expectations.

Position Description

Title: Condominium Banking Relationship Manager

Department: Relationship Banking

Reports to: Chief Banking Officer

Join the Bank that shares success with others! As a locally managed mutual bank, South Shore Bank is driven by the needs of communities rather than the demands of investors. You can help us serve as a trusted advisor to the people, businesses and organizations that make our communities stronger. We also provide a competitive benefit package with Medical, Dental, Vision, Flexible Spending, Dependent Care, Child Care Subsidy, Retirement, Life Insurance and many other benefits.

The Condominium Specialty Lender will perform business development activities in the condominium, homeowner association and cooperative niche markets. Business development activities will focus on both deposit and loan generation as well as cross sales of the Bank’s ancillary Cash Management products and services.

Accountabilities & Measures

Key Accountabilities

Model behaviors consistent with SSB values to foster an effective culture.
Ensure timely and successful delivery of digital banking products and integrated services.
Ensure high levels of customer service, experiences, and support standards are being achieved constantly.

Success Measures

Successful generation of loans and deposits to achieve established goals
Proactive prospecting within the niche community association segment
Participation in industry events tied to the community association industry

ESSENTIAL DUTIES AND RESPONSIBILITES

Engages with existing clients and prospects to develop deposit and loan business
Develops a network of centers of influence (COIs) within the community association industry and actively solicits and refers business to this network
Complies with compliance standards for both loan and deposit business
Complies with Bank established policies and procedures
Develops business, as appropriate, outside the niche community association arena
Involves business partners, as needed, in the sales process (i.e. Cash Management, Retail Staff)
Drafts loan proposals, term sheets, credit review summaries and commitment letters in a professional and well thought out manner
Provides oversight to portfolio of loans
Maintains a well-developed working knowledge of the complete line of products and services offered, taking responsibility to keep up to date and request assistance for further development needs.
Assists in portfolio management including the collection of financial information from existing customers, identifies and communicates any signs of potential problem loans and performs site visits as needed.

Consider this description to be the foundation of your job, not its boundaries. Expect to participate in internal and external training sessions and activities not described here which enhance the quality of service to the customer.

Requirements

QUALIFICATIONS

EDUCATION and/or EXPERIENCE

Minimum of 3 years in specialty lending with a focus on Condo Associations. Demonstrated success at being self-directed with independent ability to translate assignments into plans and actions. Proven strong customer service and communication skills, both verbal and written.

LANGUAGE SKILLS

Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, rates, percentages, and apply basic arithmetic and mathematics to help resolve problem situations.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee frequently is required to stand and sit. The employee is occasionally required to walk. The employee must occasionally lift and/or move up to 15 pounds. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus. Some travel is required.

WORK ENVIRONMENT

The noise level in the work environment is usually moderate.

KEY POINTS

It has been and will continue to be the policy of South Shore Bank to be an Equal Opportunity Employer. We provide equal opportunity to all qualified individuals regardless of race, sex, color, religious creed, religion, national origin, citizenship status, age, disability, pregnancy, ancestry, military service, or veteran status, genetic or carrier status, marital status, sexual orientation, or any classification protected by applicable federal, state, or local laws.

At South Shore Bank, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. We believe in Shared success and We before Me. Through a variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives.

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AJ Consultants has been retained by a long-time partner, Fidelity Bank (Leominster, MA), to lead a search for a new Business Services Relationship Manager that will target Commercial, Non-Profit and Municipal deposit rich relationships. Fidelity Bank's LifeDesign culture is not just a tag line. It is who they are. It is in their DNA. “LifeDesign” is essentially a commitment to create an environment of trust and mutual respect that inspires people to achieve great things for the benefit of all employees and customers alike. LifeDesign permeates the entire organization from top on down and for the right candidate, should be the most compelling reason to explore this opportunity.

Business Services Relationship Manager

Fidelity Bank

Department: Business Services

Date: September 2023

Reports To: Director of Business Services

Territory: Eastern Massachusetts

Office: Hybrid(up to 3 days remote) and can sit in any bank office

Cash Management Officer

ABOUT FIDELITY BANK:

Founded in 1888, Fidelity Bank is one of the strongest independent community banks in Central and Eastern Massachusetts. Celebrating its 20-year anniversary as the brand promise to the community, Fidelity Bank’s unique LifeDesign approach to banking provides the care and clarity needed to make informed decisions with confidence. The Bank offers a range of personal and business banking solutions to clients in 13 full-service banking centers in Leominster, Worcester, Fitchburg, Needham, Gardner, Shirley, Barre, Millbury, Paxton, Princeton, and Winchendon. The Bank has consistently earned a “5 Star” rating from BauerFinancial, Inc., the nation’s leading independent bank rating and research firm. Fidelity Bank was the only bank in Central and Western Massachusetts recognized as one of Forbes “America’s Best Banks in Each State 2022,” in addition to being voted Worcester Telegram & Gazette Best Financial Services in Central Massachusetts and placing on the Boston Globe’s Top Places to Work list six times. As of December 31, 2022, the bank had total assets of approximately $1.4 billion. For more information, visitwww.fidelitybankonline.com or www.facebook.com/fidelitybankma.

POSITION OVERVIEW:

The Cash Management Officer will focus on the Bank’s target segments including Commercial, Non-Profit, and Municipal clients and prospects.

PRIMARY ACCOUNTABILITIES / RESPONSIBILITIES:

All associates of the Bank regardless of title or responsibilities must share a common commitment to creating and expanding the LifeDesign Culture of the Bank through building relationships, providing a seamless customer experience at every touch point, ensuring the customers best interests, and increasing customer value at every opportunity.

Generate fee income with the sale of business services products, and margin revenue with a focus on acquiring new DDA balances.
Promote the value of business services products, and the Bank’s exemplary client services to existing and prospective clients.
Proactively partner with Relationship Managers to identify new prospects and develop calling plans.
Independently generate leads for deposit-only calling efforts.
Partner with BDOs and Banking Center Managers to expand sales and contribute to the goals and business objectives of the Bank.
Deepen relationships by cross-selling products and services, increasing low-cost deposits, as well as satisfying the needs of the business owner(s) with consumer services.
Attend joint meetings with clients and RMs to assess cash flow needs.
Facilitate and manage a strong sales pipeline for business services activity. Ensure timely updating of pipeline tracking for management reporting.
Act as a trusted advisor to clients using our unique LifeDesign process.
Provide timely updates to Relationship Managers and internal stakeholders on product enhancements.
Engage Sales Analyst, and Implementation and Support Specialists to ensure timely implementation of services, and/or resolution to issues, thereby strengthening the client relationship.
Prepare and negotiate customer agreements and set-up forms.
Gather information for sales proposals and customer implementation.
Preparation of proposals for prospective customers.
Travel to business offices and other off-site locations for client and Bank meetings.
Assist other business services team members with additional duties, as assigned by supervisor.

POSITION REQUIREMENTS:

A college degree in Business Administration, Finance, or related field preferred.
2-4 years of Cash Management/Business Services sales experience.
Ability to engage clients in cash flow discussion, identify areas of opportunity and position the Bank’s products and services effectively.
Detailed knowledge of cash management products and an understanding of client needs.
Possesses excellent attention to detail with excellent follow-through.
Must have excellent written and verbal communication skills.
Must be able to multi-task and prioritize items.
Must be proactive, self-starter, and goal oriented.
Broad knowledge of applicable banking policies and regulations.
Able to work under pressure with multiple deadlines.
Possess excellent time management skills.
Advanced computer skills, including MS Office Suite (Word, Excel, Access, PowerPoint) and CRM applications.
Able to analyze financial statements.
Possess motivation to succeed.
Ability to work independently and as a team member.

WORK ENVIRONMENT:

Fidelity Bank is proud to offer a competitive compensation and benefits program which includes health, vision, life, and immediate 401(k) plan participation.

Fidelity Bank is an equal opportunity employer.

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2023-09-05T16:38:03 [City] => Eastern Massachusetts [State] => [PostalCode] => 01453 [Country] => [Status] => Filled [ContactId] => [MinSalary] => [ShowOnWeb] => [PositionId] => EB-9638635716 [LastActivity] => 2023-11-21T16:14:48 [LastModified] => 2023-11-21T16:14:48 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [22] => stdClass Object ( [JobId] => 639372645129000 [CompanyId] => 169434682543585 [CompanyName] => Victory Bank [Industry] => [JobType] => FullTimeRegular [JobTitle] => Chief Banking Officer [DegreeRequired] => [JobDescription] =>

Our client is a large community bank focused in the 5 County and Southern New Jersey market. They are looking for their next Chief Banking Officer.
Role reports the CEO and is part of the executive team. This role will head up all sales efforts for the bank (including, retail, deposit, commercial, consumer, payments and FinTech.)

The ideal candidate has large business development leadership experience in banking AND FinTech. They will be a face of the bank, managing managers and board facing so great communication skills is must.

If interested, please contact Adam Eckels at 570-696-2707 or aeckels@ajconsultantsllc.com

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2022-01-25T09:44:23 [City] => Philadelphia [State] => PA [PostalCode] => 19019 [Country] => [Status] => Available [ContactId] => [MinSalary] => [ShowOnWeb] => [PositionId] => EB-1184635000 [LastActivity] => 2023-11-03T11:06:44 [LastModified] => 2023-11-03T11:06:44 [UserName] => AJE [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [23] => stdClass Object ( [JobId] => 690147110695241 [CompanyId] => 122511049951548 [CompanyName] => MVB Bank Inc [Industry] => [JobType] => FullTimeRegular [JobTitle] => SVP Digital Gaming [DegreeRequired] => [JobDescription] =>

AJ Consultants LLC has been retained by MVB Financial Corp. (MVBF) to find their SVP ,Digital Gaming. This unique and key leadership role is with a strongly positioned and dynamic bank, that happens to be a top Fintech player! MVB Is currently a U.S. market leader serving the digital gaming, fantasy sports and sports wagering verticals. With over 45 digital gaming clients, MVB has a history of major success and recognition in the space. As the CNBC headline said “JPMorgan says "...West Virginia fintech is positioned as ‘bank of choice’ for online gaming”.

JOB DESCRIPTION

This role is a Strategic Market Leader, focused on the vertical of Digital Gaming, Fantasy Sports, and Sports Betting. This leader is responsible for partnering with the business unit leaders in Fintech Banking (acquiring, issuing, crypto) to create growth strategies for the bank’s Digital Gaming, Fantasy Sports, and Sports Betting business lines. This Strategic Market Leader must be a SME, keeping abreast of industry trends, competitors, and regional and global issues. The strategic market leader is responsible for facilitating new clients wins and expansion opportunities with existing clients, marketing, business development and investment strategies to accelerate the bank’s growth in the vertical. They will identify key trends, analyze client needs, and evaluate qualitative and quantitative research to create strategies that ensure we build the brand of choice.

In addition to an ambitious, talented Fintech leader with a passion for these verticals, this role is responsible for prospecting new business while retaining and deepening existing client relationships. The strategic market leader will have the ability to forge relationships with the appropriate decision makers and thought leaders within any vertical related companies.

DUTIES AND RESPONSIBILITIES

Working with the MVB Fintech Business Unit, appropriate decision makers, and thought leaders within any vertical related companies to develop and expand the bank’s digital gaming, fantasy sports, and sports betting programs, product plans, strategies, and tactics in coordination with all MVB business units and existing and prospective clients.
Create, optimize, and drive long-term growth strategies for MVB’s digital gaming business, demonstrating an understanding of the business and stakeholder needs, and with nearer term plans to capture that growth.
Manage a team of individuals working within the assigned business verticals, including day-to-day oversight, team member goal-setting, and bi-annual employee reviews.
Prospect and qualify digital gaming and sports-betting client opportunities while working collaboratively with Sales and Risk Team members.
Create sales presentations and proposals for utilization during the sales process, and for use in Senior Leadership, C-Suite, and Board Member meetings.
Oversee the successful onboarding and implementation of new digital gaming and sports-betting clients.
Contribute to the achievement of fintech revenue targets and deposit goals through disciplined weekly pipeline and forecast management reporting.
Coordinate internal resources to accomplish FinTech and client objectives, ensure processing system performance standards are met, and that the client perspective is represented within the organization.
Collaborate with Product, Operations, Compliance, Legal, and Marketing teams to review escalated or complex issues; consistently communicate situational status and resolution; advise on SLA performance both internally and externally.
Continually evaluate and report on market intelligence and competitive landscape to develop business insights relevant for new business opportunities, state legalization expansion, product offering improvements and investment improvements.
Understand legal documentation requirements and risk mitigation for associated products and services, particularly those involving funds transfer and online banking ensuring compliance with all established policies and procedures.
Maintain a proficient working knowledge of all products and services (e.g. commercial account analysis, Demand Deposit Account opening and closing, commercial online banking platforms, wire, and Automated Clearing House (ACH) processing and remote deposit capture).

EDUCATION AND WORK EXPERIENCE
5+ years of experience with sports betting, fantasy sports, casino or digital gaming businesses, analysts, or regulators required.
10+ years of financial services industry experience in a managerial role is preferred.
Familiarity with payments, including card, ACH, wire, RTP is preferred. Strong experience in payments is a big plus.
Crypto, Web3, and Blockchain gaming exposure a plus but not required.
Bachelor’s degree or higher.
Client interface and relationship management experience.
Solid track record of negotiating, structuring, and executing complex agreements.
Experience with lead generation, prospect management, and relationship management.
Outstanding communication and presentation skills with experience presenting to C-level executives.
Demonstrated ability to build and manage new policies, procedures, and teams.
Strong time management skills and ability to prioritize tasks.
Consulting background a plus.
Frequent travel may be required.

If qualified and interested contact Adam Eckels at 570 696 2707, aeckels@ajconsultantsllc.com or Danielle Ader at 570-762-4748 or dader@ajconsultantsllc.com

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AJ Consultants LLC has been retained by MVB Financial Corp. (MVBF) to find their CIO. This key Executive leadership role is with a strongly positioned and dynamic bank, that happens to be a top Fintech player! This role will have a seat at the table with a group that is changing the game.

The CIO establishes long-term vision and develops strategies for the Information Technology department and initiatives that support MVB’s ongoing business operations and strategic plan. Directs the planning and implementation of enterprise systems and architecture to support business operations, with a focus on compliance and regulatory needs. Implements IT capabilities that provide a competitive advantage for MVB and is ultimately accountable for all aspects of the organization’s information technology infrastructure.

DUTIES AND RESPONSIBILITIES

Collaborates with members of the leadership team to identify ways IT can assist the company in achieving business and financial goals. Maintains a solid understanding of the entire IT infrastructure and communicates technology needs, goals, and decisions.
Oversees the IT department(s) and sets strategy and direction for the department. Organizations change overtime, but areas of responsibility within the department are expected to include:
- Infrastructure and Network Operations
- Information Security
- Business Continuity
- Software Development
- Architecture
- Data
Partners with business leaders across the organization to set the overall company technology strategy.
Assesses, maintains, and upgrades current IT and data systems and processes.
Develops systems and acquires software and hardware necessary to meet the company’s needs.
Identifies new IT developments and technologies; anticipates resulting organizational modifications.
Leads IT team engagement in design and customization of technological systems and platforms across the company.
Ensures that IT and network infrastructure adequately support the company’s computing, data processing, and communications needs.
Develops and implements the IT budget and approves software/IT-related purchases.
Oversees the technological infrastructure (networks and computer systems) in the organization to ensure optimal performance.
Communicates goals, projects, and timelines of the company to the department; plans ways to execute those goals within the department.
Maintains and develops IT policies, procedures and best practices for the company.
Leads governance of IT related policies, procedures and best practices and represents the company in IT related regulatory compliance.
Oversees relationships with vendors, contractors and service providers.
Consults with the board of directors and other executives the benefits and risks of new IT-related projects.

EDUCATION AND WORK EXPERIENCE

University degree in the field of computer science or business administration and a minimum of 15 years of work experience.
Master’s degree in either of these fields or Master of Business Administration with technology as a core component preferred.
Strong business orientation with broad experience in banking.
Experience managing IT systems and data in a highly regulated environment.
Experience providing IT systems to a highly distributed workforce that is located in numerous small offices across the bank’s footprint, and a remote environment. In-depth knowledge of IT systems and architecture.
Skilled at identifying and evaluating new technological developments and gauging their appropriateness for the bank.
Ability to conceptualize, launch, and deliver IT projects on time and within budget.
Ability to source and evaluate technology solutions and vendors. Proficient at negotiating favorable long-term contracts.
Demonstrated ability to manage a budget to maximize positive impact to the bank.
Ability to function in a leadership role for responsible areas and be able to interact with all levels of staff to effect positive changes.
Demonstrated ability to bring the benefits of IT to solve business issues while also managing costs and risk.
Strong organizational and management skills to supervise a centralized IT strategy over a highly distributed office infrastructure.
Demonstrated experience leading enterprise-wide system selection and implementations.
Strong analytical, troubleshooting skills combined with the ability to manage competing priorities in fast-paced, high-growth environment.
Comprehensive knowledge of information systems technology subjects and extensive knowledge of hardware and software with the ability to keep abreast of new technologies.

If qualified and interested contact Adam Eckels at 570 696 2707, aeckels@ajconsultantsllc.com

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AJ Consultants has been retained by Capital Bank to manage the search for their next Chief Information Officer. This exciting Executive Leadership role will report to the CEO and partner with them. This person will be responsible for all technology and a part of growth strategy and technologies place within it.

About Capital Bank N.A.

Capital Bank is a fast paced and exciting bank. They are the fifth largest bank headquartered in Maryland, serving its communities since 1999. Capital Bank is one of the only banks in the Mid Atlantic to be named to the “Best Banks to Work For” in the U.S. 4 years running (2019-2022).

Position Purpose

The Chief Information Officer (CIO) partners with the CEO, Executive Management Team (EMT), Board of Directors (BOD), and other key leaders to provide vision and leadership for the Bank’s IT Systems and Infrastructure, developing and implementing information technology initiatives to support innovation and growth in conjunction with the overall Bank strategy. The CIO leads all areas of technology including infrastructure/operations, Information and Cybersecurity, Enterprise Applications/Integration, Testing, Software Engineering, and Strategic Delivery.

This role will report to the CEO and directly manage SVP, IT Infrastructure Operations SVP, Business Information Security Officer SVP, Head of Enterprise Applications, and Integration SVP, Strategic Delivery.

Position Responsibilities

· Participates in the strategic and operational planning processes of the organization as a member of the Executive Management Team

· Supports organizational growth by establishing and leading IT strategy that takes advantage of established and emerging technologies, collaborating with leadership throughout the organization.

· Evolves IT strategy across the bank focused on delivery, integration, and interoperability of core banking platforms and IT applications including use of middleware/APIs to partner with outside firms to enhance the Bank’s capabilities.

· Chairs the IT Steering Committee(s) and participate in other committee meetings as required.

· Identifies and build strong relationships with key stakeholders across the Bank to support long-term organization goals and helps evaluate and prioritize IT investments and strategic initiatives. Builds and maintains a reliable, resilient, redundant, compliant, and secure enterprise architecture that supports a nimble business strategy across cloud, on-prem and data infrastructures.

· Advances the organization’s data and information management capabilities through a robust, secure and scalable data infrastructure with a focus on data architecture and design, database administration, Extract Transform & Load (ETL) processes and quality assurance.

· Ensures high quality and customer focused day-to-day operations of technology and associated business applications.

· Ensures that the IT Help Desk runs seamlessly within established SLAs and KPIs to meet the needs of stakeholders.

· Oversees incident management and IT change management processes to mitigate downstream risks and issues from technology upgrades and enhancements.

· Ensures compliance with all IT regulations and best practices as outlined by the Federal Financial Institution Examination Council (FFIEC) through its IT Examination Handbook.

· Creates state of the industry dynamic security practices and continue to upgrade cyber security across the bank, leveraging advanced cyber security tools and solutions.

· Develops and maintains an appropriate IT organizational structure that supports the organization’s needs, including information and cybersecurity.

· Mentors and coaches direct reports within the team to help develop them for future roles and provide proper succession.

· Manage performance of the team and conduct performance reviews within the processes of the Bank.

· Keeps current with trends and issues in the IT industry, including current and emerging technologies, best practices, and costs/investments to advise, counsel, and educate executives and management on their competitive or financial impact.

· Works with the Risk & Compliance function to ensure that the Bank has an effective organization-wide IT disaster recovery and business continuity plan.

· Promotes and oversees strategic relationships between internal IT resources, external entities and outsourced service providers.

· Develops, tracks, and controls the IT annual budget.

· Ensures compliance with legal and regulatory requirements in the exam domain areas of data confidentiality, data integrity, data availability (business continuity planning), vendor management and IT management.

· Reviews hardware and software acquisition and maintenance contracts and pursues master agreements to capitalize on economies of scale.

· Maintain security standards and IT policies appropriate for the Bank’s size and complexity.

Minimum Education and Experience

· Requires a bachelor’s degree and at least 15 years’ experience in the field or in a related area – familiar with a Banking technology (Core, CRM, LOS, Data Warehouse, Workflow, ITSM, Digital and Online Banking, API-Gateway) and banking architecture, practices, and procedures.

· Minimum of 10 years’ experience working in the financial services industry

· Demonstrated record of successfully leading complex IT organizations through changes and alignment with security and regulatory compliance.

· Successful experience working in a highly regulated environment implementing FFIEC and other IT best practices for Banking Operations.

· Strong experience designing and administering enterprise architecture inclusive of cloud environments (Azure experience preferred)

· Strong experience managing Cloud architects and implementing cloud-based solutions.

· Experience in IT Operations, networking, server and network systems, firewalls, virtual private networks, access controls, and Microsoft Active Directory.

· Experience recommending new technologies or technology enhancements to improve customer delivery, reduce costs, and/or to provide a strategic advantage.

· Relies on extensive experience and judgement to plan and accomplish goals and performs a variety of tasks.

· Substantial exposure to data processing, hardware platforms, enterprise software applications, and outsourced systems.

· Experience with systems design and development from business requirements analysis through to day-to-day management

· Experience in creation and execution of business aligned technology strategy

Technical Knowledge and Skills

· Proven experience in IT planning, organization, and development

· Subject matter expert with all IT regulations as outlined by the Federal Financial Institution Examination Council (FFIEC) through its IT Examination Handbook.

· Advanced knowledge of Sarbanes-Oxley IT General Controls, IT Application Controls, and third-party client control considerations preferred.

· Thorough knowledge and experience in leveraging and implementing industry and government standards and frameworks including but not limited to: Information Technology Library (ITIL), Control Objectives for Information and Related Technology (COBIT), International Organization for Standardization (ISO) 17799/27001, US National Institute for Standards and Technology (NIST), and Payment Card Industry (PCI) Compliance is a bonus.

· Excellent understanding of project management principles

· Demonstrated ability to apply IT solutions in support of business problems

· Proven leadership ability

· Ability to set and manage priorities judiciously

· Experienced in the fundamentals of IT Services Change Management.

· Ability to work with the team to build/refine banking capability and maturity architecture/model

· Ability to mange through Total Cost of Ownership model to optimize cost to serve

· Fair understanding of next-gen technologies to grow the business capabilities. Example: RPA, AI, Generative AI, etc.Microsoft office software suite (Word, Excel, PowerPoint, etc); excellent oral and written communication skills.

Other

Ability to travel as needed.

Compliance

It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations.

The above mentioned are intended to describe the general nature and level of work performed rather than to be an inclusive list of all duties, responsibilities and skills required for the position. Job duties may be changed at anytime at management’s discretion. The job description is not intended to create contractual obligations of any kind.

Capital Bank, N.A. is an Affirmative Action and Equal Opportunity Employer

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AJ Consultants has been retained by DC Green Bank to find their next Chief Financial Officer (CFO). DC Green Bank is an innovative financial solution provider supporting District businesses, organizations, and residents on the path to a cleaner future. They are building a diverse, talented and passionate team to help carry out this mission.

Summary:

The Chief Financial Officer (CFO) will lead DCGB’s financial operations, building on current systems and accounting practices. In collaboration with the CEO and CIO, the CFO will provide financial reporting and track progress toward long-range goals, strategies, and plans. The CFO will ensure that the financial systems, structures, and functions position DCGB with a sustainable financial model, while limiting organizational risk. The CFO will manage the finance and accounting team, including responsibilities for governmental compliance, financial summaries for internal and external stakeholders, and forecasting growth and revenue. The CFO must possess exceptional people management and team building skills while bringing a systems approach to problem solving and consensus building. The CFO will support the CEO on financial and strategic issues, partner with the leadership team and department managers, and assist the Board of Directors and its Finance & Audit Committee.

Responsibilities:

Finance & Accounting Leadership

Prepare the annual budget and reforecasts to meet strategic and financial objectives, working collaboratively with staff across finance, operations, investment, and the leadership team.
Provide timely, accurate financial reports, analysis of financial trends, and forecasting to assist the CEO, Board, and internal teams.
Evaluate the finance division structure and staffing for continual improvement of the efficiency and effectiveness of the team and provide individuals with professional and personal growth.
Provide strategic financial input and leadership on decision-making issues affecting the organization, including evaluation of potential new initiatives/programs, investments, and changes in regulatory actions affecting DCGB accounting.
In partnership with the leadership team, develop the long-range financial strategy, financial models, benchmarks, and related system enhancements.
Serve as a thought partner and collaborator within the leadership team, helping to build and execute strategies that advance mission priorities.
Staff the Finance & Audit Committee and provide financial reports to the Board of Directors.

Internal Controls & Risk Management

Manage annual audits and serve as the liaison with the audit firm and the Office of the Inspector General. Ensure systems and controls are in place to facilitate a clean audit opinion.
Plan, develop, implement, and evaluate DCGB’s fiscal function and performance, including the

evaluation of systems, processes, and technology that will maximize excellence in finance operations.

Develop and enforce the organization’s internal control framework, in collaboration with the CEO, OCFO, and leadership team, and ensure compliance with policies and procedures.

Manage banking and financial advisory relationships and initiate appropriate strategies to support financial sustainability.
Function as the risk manager in implementing processes that prevent operational losses, grant and contract non-compliance.

Establish loan accounting processes and procedures in recording all loan transactions including Loan Loss Reserve and other loan-related procedures.

Provide financial perspective and support as necessary on any major partnerships, contracts, or grant agreements.

Oversight and Management of Accounting Functions

Establish weekly, monthly, quarterly, and annual reports required to monitor, evaluate, and optimize cash flow and liquidity.
Provide oversight for and manage all budgets, forecasts, and internal financial plans and processes.
Maintain the financial accounting system, including loan management and fund accounting.
Serve as liaison with the auditor and the Office of the Inspector General.
Oversee financial reporting, general ledger management, loan accounting rules, cost accounting management, accounts payable, accounts receivable, payroll, tax compliance, and procurement.
Manage tax operations and serve as the liaison with the external tax team to meet annual and quarterly deadlines, when applicable.
Support the financial close process, including preparing journal entries, schedules, and critical account analysis and reconciliations.
Establish and manage the Treasury function by instituting strong internal controls over the bank accounts to include wire processing and expense payments.
Prepare financial reporting to comply with Generally Accepted Accounting Standards (GAAP) and the Governmental Accounting Standard Board (GASB) pronouncements.

Qualifications:

4-year degree in accounting or finance or a related field, MBA preferred.
Certified Public Accountant (CPA) highly preferred.
10+ years of management experience in senior financial positions, with demonstrated excellence in managing finance, accounting, budgeting, and reporting responsibilities.
Extensive track record of accounting and financial reporting, including fund and loan accounting.
Demonstrated expertise in financial, audit, compliance, and risk management.
Working knowledge of GAAP, GASB, and other authoritative pronouncements.
Strategic thinker with sound technical skills, analytical abilities, good judgment, and strong operational focus.
Well organized and self-directed individual who is also team player.

Executive presence, with excellent communication and relationship building skills and the ability to prioritize, negotiate and work with a variety of stakeholders; ability to relate to people at all levels of an organization.
A good educator who is trustworthy and willing to share information and serve as a mentor.
Ability to work collaboratively, exercising good judgment, decision-making, and problem-solving skills to achieve shared goals.
Supervisory experience that includes team building, talent management, and leadership development.
Commitment to the mission of DC Green Bank.

Position Details:

Status: Full-time
Location: Washington, DC
Salary and benefits commensurate with experience; anticipated salary is $200,000 annually.
DCGB policies include a preference for hiring District residents, or individuals who become District residents within 180 days of their becoming an employee of DCGB.

To Apply:

Interested applicants should submit a CV/resume clearly outlining experience, abilities, and qualifications satisfying the needs of the organization.
Applications will be accepted until the position is filled.

About DC Green Bank:

DC Green Bank develops and facilitates innovative financial solutions to support District businesses, organizations, and residents on the path to a cleaner future for all. We invest in solar energy systems, energy efficient buildings and retrofits, green stormwater infrastructure, and transportation electrification in line with our values of Sustainability, Clean Economy, and Inclusive Prosperity. To date, DC Green Bank has invested millions of dollars in a cleaner, greener, and more equitable future. To learn more, please visit us at www.dcgreenbank.com

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AJ Consultants has been retained by DC Green Bank to find their next Chief Investment Officer (CIO). DC Green Bank is an innovative financial solution provider supporting District businesses, organizations, and residents on the path to a cleaner future. They are building a diverse, talented and passionate team to help carry out this mission.

Summary:

DC Green Bank (DCGB) seeks a Chief Investment Officer (CIO) to support its mission to provide access to capital, growing the clean economy to develop a more equitable, resilient, and sustainable DC. Reporting to the Chief Executive Officer (CEO), the CIO is responsible for the strategy, development, and implementation of DCGB’s clean energy and green investments and loan portfolio. The CIO will oversee the management and enhancement of existing investment programs, as well as leading the development of new investment approaches and capital funding opportunities. The CIO must possess exceptional people management and team building skills while bringing a systems approach to problem solving and consensus building. The CIO will work closely with the CEO and leadership team on new market opportunities and partnerships that align with DCGB’s mission and strategic growth.

Responsibilities:

Capital Strategy and Portfolio Management

Working alongside the CEO and CFO, the CIO will be responsible for growing DCGB’s capital under management with new capitalization vehicles and investment strategies.

Develop with the CEO the annual investment goals/targets that complement the strategic direction of the DC Green Bank and advance the deployment of clean energy, energy efficiency, green development, and other climate-related investments across the District of Columbia.
Lead the deployment of capital under DCGB’s current lending programs.
Oversee the Property Assessed Clean Energy (PACE) program administration.
Explore and develop market opportunities for new financing strategies, products, services, and systems to support DCGB’s strategic goals and climate impacts.
Work with the investment team and the CFO to ensure that the investment portfolio grows and maintains a high level of quality, ensuring appropriate guidelines and risk management.
Develop and maintain a thorough understanding of the market forces and community needs that impact green banking, reporting to the CEO with analysis and recommendations.
Formulate and recommend investment policies and strategies to effectively manage the DCGB portfolio to moderate risk, deliver climate and social impacts and ensure financial sustainability.
Present quarterly reports to the Board of Directors.
Represent DCGB on portfolio matters with capital partners.

Team Leadership and Operational Management

Manage the investment team and foster a collaborative work environment across DCGB.
Ensure that the investment team can produce effective results, including growth in resources and strategic programs.
Ensures the investment team develops and maintains effective operating guidelines and procedures.
Translate external learnings into internal business process improvements.
Lead DCGB’s performance management effort for assessing DC Green Bank investment products and programs.
Promote a culture of entrepreneurship, financial competency, equal access, and inclusive prosperity within the organization and to customers, including assisting with developing and providing investment training programs to staff.

External Engagement and Business Development

With the communications team, develop strategies to market and increase utilization of DCGB products and programs.
Manage and grow strategic relationships with financial partners, potential borrowers, and other stakeholders, including representing DCGB at events and outreach opportunities.
Lead development and execution of requests for proposals (RFPs) for new project investments and/or other purposes consistent with the mission of the organization.
Represent DCGB in public speaking engagements and participate in industry events and conferences.

Qualifications:

4-year degree in finance or a related field, MBA preferred. Dual degree in environmental sciences, sustainability, engineering, or clean energy-related fields a plus.
Direct lending experience required in the climate mitigation/clean energy field.
10+ years leading and managing a lending or investment team.
7+ years in a direct supervisory or managerial capacity preferred.
Experience in corporate, structured finance, and/or community lending preferred.
Experience in credit risk analysis and management with formal credit training required.
Strategic thinker with sound technical skills, analytical abilities, good judgment, and strong operational focus.
Well organized and self-directed individual who is also team player.
Executive presence, with excellent communication and relationship building skills and the ability to prioritize, negotiate and work with a variety of stakeholders; ability to relate to people at all levels of an organization.
A good educator who is trustworthy and willing to share information and serve as a mentor.
Ability to work collaboratively, exercising good judgment, decision-making, and problem-solving skills to achieve shared goals.
Supervisory experience that includes team building, talent management, and leadership development.
Commitment to the mission of DC Green Bank.

Position Details:

Status: Full-time
Location: Washington, DC
Salary and benefits commensurate with experience; anticipated salary is $200,000 annually.
DCGB policies include a preference for hiring District residents, or individuals who become District residents within 180 days of their becoming an employee of DCGB.

To Apply:

Interested applicants should submit a CV/resume clearly outlining experience, abilities, and qualifications satisfying the needs of the organization.
Applications will be accepted until the position is filled.

About DC Green Bank:

Our client, a $6Billion Commercial Bank is seeking a Business Banking Officer to focus on C&I, and CRE lending in the St. Louis market. The bank is one of the largest family owned banks in the country serving communities in St. Louis, Southern Illinois, and California. They offer a full complement of business and consumer products and services to consumers, small business, and middle market commercial customers. They also offer the product depth of a national brand and the personalized attention that only a community bank can provide. The position focuses on sales revenues up to $10MM and credits up to $2MM.

Compensation includes a competitive base salary and an aggressive incentive plan.

For more information please contact Austin Ressler at (314) 971-7570 or aressler@ajconsultantsllc.com

AJ Consultants has partnered with Newtown Savings Bank, $1.9B (Newtown, CT) on a retained search to find a Commercial Loan Officer to service the bank’s local business community.

This position reports to a well-liked and well-respected leader with diverse commercial banking experience and an unwavering desire to help the team members achieve their personal and professional goals.

While the bank has a conservative credit culture that focuses on quality credits, they consider many different types of lending opportunities that are sometimes beyond the scope of many community banks. In addition to traditional CRE, C&I and SBA deals, the bank has financed company buyouts, large residential development projects, and historic and new market tax credit transactions. The bank also uses interest rate swaps and actively offers the use of swap-based loans under the right market conditions. The bank is well capitalized and ready to lend.

The culture is collegial, authentic, fun and attracts bright and dedicated talents who are empowered to do what is best for their customers and the communities they call home. It is truly a great place to hang your hat.

This position can sit in Hamden, Bridgeport, Trumbull or Newtown and can target business across Southwestern CT.

Please review the following job description for a formal breakdown of responsibilities, requirements and expectation

NEWTOWN SAVINGS BANK

JOB DESCRIPTION

COMMERCIAL LOAN OFFICER

Department: Commercial Lending

Date: February 2023

Reports To: First Vice President, Senior Commercial Lending Officer

OVERVIEW:

Under the general direction of the FVP, Senior Commercial Lending Officer, develop new quality commercial loan volume (both C&I and CRE) as well as potentially maintain and service an existing portfolio. Cross-sell all banking products to all commercial clients. This position requires a high level of customer service interaction with large commercial borrowers.

PRIMARY ACCOUNTABILITIES / RESPONSIBILITIES:

Develop a base of qualified prospects that will become full-relationship customers of the bank.
Maintain a calling program on potential or existing customers to develop new business and increase and retain existing business.
Request and review all pertinent credit and financial information.
Determine the need for more thorough investigation or additional information and be able to discuss with the borrower.
Perform basic credit analyses of financial information for potential and existing commercial and industrial loans.
Prepare a loan proposal, present facts reflecting the creditworthiness of a loan and/or borrower.
Ensure that all commercial loan credit files are kept current with latest financial statements, memos, agency reports, etc.
Portfolio management which will include monitoring EIP and delinquent accounts, updates on criticized asset reports, memos to the file, risk rating changes and rate reductions.
Present loan request to appropriate level of authority. Draft and review loan submissions, Letters of Intent, and Commitment letters.
Coordinate and attend loan closings, working with the client and attorneys, as need be.

POSITION REQUIREMENTS:

Bachelor’s degree, or 4-7 years of equivalent experience. Must have a strong credit background, possess proven business development skills and commercial lending knowledge. Strong negotiation skills and a high proficiency in loan structuring are also required. This position requires strong community network activities, as well as recognition in the community.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Any physical demands or work conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job

Our client is a nimble and adaptive community bank focused in Maryland and Delaware. They are looking for their next Chief Lending Officer.
Role reports the CEO and is part of the executive team.

The ideal candidate has deep credit knowledge, commercial lending ability and has been a leader in the lending world within a bank. They will be tasked with gaining more traction in the area for the banking, building the team beyond where it is now, while still gaining the best out of a good group focused mostly, but not solely in commercial C&I and Real Estate lending.

If interested, please contact Adam Eckels at 570-696-2707 or aeckels@ajconsultantsllc.com

AJ Consultants has been retained by Sandy Spring Bank to find their next Chief Internal Auditor, a role that will be integral to the banks continued success. The role would be hybrid and can sit in Olney, Laurel or Columbia MD. Also Reston VA.

TITLE: Chief Internal Auditor

REPORTS TO: CEO and Board of Directors

GENERAL SUMMARY:

Directs the activities of Internal Audit in a manner that will accomplish both department and organizational objectives. Establishes policy for the audit function and directs its technical and administrative functions. Develops and executes a comprehensive audit program for Sandy Spring Bank to evaluate the adequacy of internal controls and compliance with applicable laws and regulations. Requires strategic thinking in terms of anticipating needs of the Board and management and responding timely to changes in the risk profile of the company. This role reports functionally to audit committee and administratively to CEO.

MAJOR JOB ACCOUNTABILITIES:

Set and articulate a strategic vision, drive critical decision making, influence and inspire others, while providing results. Assess relevance of audit findings, potential exposures, improving or deteriorating trends. Demonstrate business acumen and awareness of big picture issues providing management with insight into their area of focus.
Foster and maintain ongoing relationship and dialogue with senior and executive level management throughout the Company, to include the Board of Directors and audit committee.
Continually improve the Internal Audit department as a valued resource within the Company by developing and maintaining working relationships with management.
Evaluate complex, multi-dimensional situations and risk characteristics, to formulate appropriate control recommendations and advice. Counsel internal clients on a broad range of subject matters.
Direct the identification and evaluation of the Company’s risk areas and manage the development of the annual Audit Plan. Ensure that a comprehensive risk based audit plan is developed and executed to provide audit coverage for the Company.
Oversee execution of audit projects, ensuring adequate standards are maintained, and audit, management and supervisory committee expectations are met. Review engagement planning documentation and audit programs to ensure adequate coverage of risk and sufficient rationale for audit scope.
Establish long range goals, assign work, set objectives and develop staff to achieve optimum performance. Maintain department budget
Direct the internal audit work throughout the Company and any that may be outsourced to third party providers.
Direct the implementation and reporting of the requirements of the Federal Deposit Insurance Corporation Improvement Act for Sandy Spring Bank.
Issue reports on the results of the audit work performed, making recommendations for improvements in operating systems and procedures. Appraise the adequacy of changes to correct any deficient conditions.
Share the results of the audit work and department functions with the Audit Committee of the Board of Directors. Meet periodically with the Audit Committees, Board of Directors, and or Senior Management.
Coordinate activities with the auditors and regulatory examiners by providing information, documentation, and staff to expedite audits and regulatory examinations.
Demonstrate proven ability to use staff oversight, feedback, coaching and mentoring, Support a culture of shared ownership, responsibility and success, recognizing and rewarding behaviors that support teamwork and accountability across the audit organization.
Serve on various Bank committees as assigned.

KNOWLEDGE, SKILLS, AND ABILITIES:

Bachelor’s Degree in Accounting, business administration, finance is required. 15 or more years in auditing or a related field is preferred with 5 or more years of supervisory experience.
Experience in Banking or Financial Services is preferred to include regulatory compliance.
Certified Internal Auditor or Certified Public Accountant is required
Must possess an in-depth knowledge of audit, Sarbanes-Oxley controls and accounting principles.
Experience with mergers and acquisitions a plus.

AJ Consultants is partnering with Northeast Bank to fill an excited, face-paced, well-compensated, non-traditional commercial credit role within the institution’s National Lending team. This is an opportunity to join a financial institution with a storied history of success that is on the precipice of significant growth. With offices in Portland, Boston, New York, Miami and LA, make no mistake about it, this is not a traditional community bank. This individual contributor role will be responsible for complex leveraged financing, bridge-type loans and non-bankable deals on a national scale. Northeast Bank is ranked by American Banker as one of the nation’s top ten banks under $2B with a culture that prioritizes it’s employees, customers and communities alike. This position will be hybrid in nature sitting two days at home and three days at the bank’s brand new office in the Boston Seaport District. The compensation package includes an aggressive base, bonus and excellent benefits.
Please review the following job description for a more formal breakdown of responsibilities, requirements and expectations.

Northeast Bank

VP, Commercial Real Estate Credit
Boston, MA

POSITION SUMMARY: Involved primarily in underwriting and acquisition due diligence. As part of the National Lending team, analyze potential loan originations, as well as assets under consideration for purchase and provide insight and recommendations to Senior Management.

RESPONSIBILITIES:

Conduct loan file review, credit analysis, and marketing research relating to asset and portfolio risk.
Conduct borrower calls or meetings to asses sponsor dynamics related to the lending opportunities.
Complete credit underwriting and coordinate with real estate, relationship management, and legal.
Present loan origination or acquisition opportunities at the Bank’s credit committee meetings, where credit risks are evaluated and quantified.
Provide consulting to asset management and loan acquisitions as needed.
Assist in making recommendations whether or not to pursue due diligence on loan portfolios, based on preliminary views of credit and real estate risk.
Successfully pass technical and regulatory examinations by the Company.

KNOWLEDGE, SKILLS AND ABILITIES:

Strong written and verbal communication skills
Attention to detail and ability to multi-task and self-motivate
Intermediate to advanced Excel skills
Strong research skills – both on the Internet and phone
Bachelor’s degree required
5+ years of experience in banking or real estate related topics

PHYSICAL DEMANDS AND CONDITIONS:

Must be able to remain in a stationary position for long periods of time.
Some travel is required.
Must be able to occasionally lift up to 20lbs.
Consistently operates a computer and other office equipment such as calculator, copy machine and printers.
Climate controlled general office setting with moderate noise level.
Must express or exchange ideas with co-workers, customers and vendors.

Northeast Bank is an equal employment opportunity and affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity and expression, national original, veteran status and any other classification protected by Law. We celebrate diversity and are committed to creating an inclusive environment for all employees.

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AJ Consultants is partnering with Northeast Bank, a $1.5B bank based in Portland, ME (main office in Boston), to fill an excited, face-paced, well-compensated, non-traditional commercial real estate valuation role within the institution’s National Lending team. This is an opportunity to join a financial institution with a storied history of success that is on the precipice of significant growth. Northeast Bank is ranked by American Banker as one of the nation’s top ten banks under $2B with a culture that prioritizes its employees, customers and communities alike.

This position will be hybrid in nature sitting two days at home and three days at the bank’s brand new office in the Boston Seaport District. The compensation package includes an aggressive base, bonus and excellent benefits. Please review the following job description for a more formal breakdown of responsibilities, requirements and expectations.

VP, Commercial Real Estate Credit

Boston, MA

Northeast Bank

Northeast Bank is a Maine-based, full-service community bank and a national commercial real estate lender with offices in Boston, New York, Miami and LA. We are looking for motivated and talented individuals who want to make an impact in a growing company that cares about its employees, customers, and the communities it serves. Northeast Bank provides competitive compensation and benefits, generous PTO, and a hybrid work environment dependent on the role. If you are looking for a growing organization that prioritizes its' employees, we encourage you to apply.

OVERVIEW - Launched in 2010, Northeast Bank’s national lending team has grown a $1.3B loan portfolio and continues to expand the platform by providing dynamic commercial real estate lending solutions. As a national lender with deep industry knowledge, the Bank originates traditional and transitional loans and other facilities for borrowers and non-bank lenders, as well as purchases loans originated by third parties. Northeast Bank has earned a reputation for providing creative and responsive lending solutions secured by commercial real estate and is powered by an experienced underwriting team with a successful track record.

POSITION SUMMARY: As part of the Real Estate Group, the candidate will play an active role on the origination and underwriting team, providing valuation expertise for new lending opportunities across real estate sectors nationwide.

RESPONSIBILITIES: List and describe this positions’ principal responsibilities in concise, comprehensive statements.

Commercial Real Estate Valuation – complete internal valuation analyses/reports across a variety of property types and geographies for loans under consideration for purchase and for loans being underwritten for origination. Involves fast paced, independent analysis including the review and synthesis of appraisal, property financials, and other due diligence items; discussions with local market participants; and a survey of market conditions. Present conclusions to Loan Approval Committee / Senior Management
Prescreen New Opportunities – review CRE securing new lending opportunities to assess market position and liquidity and develop a view on collateral value and loan to value. Work closely with Relationship Management and Credit Underwriting groups to discuss risks associated with underlying real estate
Collaborate & Consult – work closely with the Originators, Credit, Legal, Relationship Management and Asset Management throughout the life cycle of a loan, from due diligence-to closing-to asset management-to disposition. Act as a subject matter expert on all matters related to real estate
Travel – when appropriate, complete site inspections for due diligence or asset management purposes

AJ Consultants LLC has been engaged by long-time partner Berkshire Bank to find a VP, Commercial Credit Officer/Senior Credit Analyst (Asset Based Lending).

This individual contributor role reports to a well-liked and respected ABL Senior Credit Officer and will be responsible for deal structuring, analysis and underwriting. Ideal candidates have either C&I or ABL experience totaling 10+ years, but we will speak with candidates with over 5 years of experience as well.

The Berkshire Bank ABL team is well known and respected up and down the eastern seaboard. Within the bank, the ABL team operates at an exciting pace while offering a fun and pleasant culture of collaboration.

This position can sit anywhere within the bank’s footprint or be 100% remote.The ABL teams sit in Burlington, MA and Philadelphia, PA, so occasional travel to either location to meet with the team is ideal, but not required.

The compensation package includes a competitive base, bonus and excellent benefits.

For more information please contact:

B.J. Berrettini
bberrettini@ajconsultantsllc.com
570-714-3112

Berkshire Bank – VP, Commercial Credit Officer (Senior Credit Analyst)

Job Details

Division: Risk Management
Department: Credit
Reports to: SVP, Sr. Credit Mgr, Asset Based Lending
Status: OFCR/Exempt
Location: 100% remote and/or can sit within the bank’s footprint.

The ABL teams sit in Burlington, MA and Philadelphia, PA

Purpose/Objective:

Perform financial analysis and prepare underwriting documents to support and make recommendations for complex multimillion-dollar commercial credit requests. The Senior Credit Analyst/Underwriter provides support for the deal team in analysis, underwriting, structuring and documentation. In addition, the Senior Credit Analyst/Underwriter is responsible for financial modeling and ROE analysis and assists in the preparation of ORC Memos.

Key Accountabilities:

Accountable for underwriting all business opportunities.
Communicates and maintains active dialogue with both the Relationship Manager and Client.
Assists in the management of workflow/pipeline for the supported Commercial division to assign and prioritize credit requests.
Recommends capital structure and accumulates all data necessary to perform focused analysis. Also, manages approvals for amendments and waivers to credit facilities.
Reviews financial statements, projection models and all other relevant financial and non- financial data to develop a concise focused analytical foundation for a credit decision.
Prepares thorough credit underwriting identifying industry concerns, market share trends, financial trends and other pertinent underwriting issues to present to the approving Credit Officer or Loan Committee.
Ensures underwriting and structuring decisions reflect commitment to strong asset quality.
Assist the Relationship Manager in obtaining and negotiating necessary documentation, including the Term Sheet, Commitment Letter and assures that the documentation correctly reflects rates, terms and special conditions.
Prepares analysis and write-ups for amendments, consents and waivers to existing credit documentation.
Conducts periodic site visits with the Relationship Manager to assess management and business conditions.
Attends bank meetings when applicable.
Monitors the financial performance of portfolio companies to include ongoing covenant compliance and annual reviews.
Ensure risk rating accuracy and compliance with Credit Policy
Mentors the Credit Analysts and Associates.
Assumes additional responsibilities and duties as directed by the Regional Credit Officer to ensure that underwriting objectives throughout the bank are met. May manage the distribution and taking of minutes for Executive Loan Committee.
Assists in department objectives by determining to extend credit to complex commercial relationships. In addition, provides analysis and recommendation to conduct business with specific participation banks and vendors.
Coordinates with both the Relationship and Portfolio Managers in making recommendations regarding the extension of credit to new and existing commercial clients. In addition, works closely with Relationship and Portfolio Managers in making recommendations on business relationships with commercial clients.
Ensures compliance with all banking laws, rules, regulations and prescribed policies and procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties.
Exercise loan authority within established limits. Loan authority will be based on experience level and size and scope of assigned credit portfolio and will also vary based on type of credit request.

Education:

An undergraduate degree in accounting, finance, economics or related field. MBA preferred.

Experience:

At least 7+ years lending/credit experience.

Skills & Knowledge:

Demonstrated high level of credit and financial acumen, interpersonal skills and decision/solution effectiveness.
Effective verbal and written communication skills, involving other lenders, clients and prospects.

For more information please contact:

B.J. Berrettini – Executive Director – New England
570-714-3112
bberrettini@ajconsultantsllc.com

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AJ Consultants has been retained by Exchange Authority (Worcester, MA), a wholly owned subsidiary of our long-time partner Fidelity Bank (Leominster, MA) to lead a search for the new President & CEO of Exchange Authority, a qualified intermediary for 1031 real estate exchanges.

Exchange Authority is a leading trusted advisor on 1031 real estate exchanges. This is a group of subject matter experts who facilitate 1031 transactions with precision, superior documentation and arguably the best customer service in the industry.

The ideal candidate is a growth minded dynamic leader, a consummate promoter, tuned-in networker and warm relationship manager with a passion for real estate and real estate transactions. Experience with 1031 exchanges is ideal, but not required because the existing team is very strong. However the new President & CEO must be committed to eventually become a subject matter expert to best serve the company’s longstanding partnerships and client relationships.

Please review the following job description for a more formal breakdown of responsibilities, requirements and expectations.

President & CEO - Exchange Authority

Reports to:
CEO/Chairman, Fidelity Bank

Date:
September 2022

Location:

465 Shrewsbury Street

Worcester, MA 01604

JOB DESCRIPTION

Summary/Objective
The President & CEO is responsible for providing strategic leadership for the company by working with the executive management team to establish long-range goals, strategies, plans and policies.

Essential Functions

Establishes credibility throughout the organization and with the President as an effective developer of solutions to business challenges.
Is able to differentiate the Company in the industry by building a strong foundation of long-lasting, trusted and loyal relationships with customers and advisors.
Provides a well-aligned leadership culture to achieve a significant, strategic and sustainable competitive advantage in the decade ahead.
Provides leadership and management to ensure that the mission and core values of the company are put into practice and develops strong teams, working together without ego or agenda, across department lines and in partnership with the Bank in a fair, frank and friendly manner.
Drives the company to achieve and surpass sales, profitability, cash flow and business objectives.
Continues to leverage existing business development models
Spearheads the development, communication and implementation of effective growth strategies and processes; such as a Private Label strategy.
Collaborates with the executive management team to develop and implement plans for the operational infrastructure of systems, processes and personnel designed to accommodate the growth objectives of the company.
Develops an annual planning process to include a business plan, a marketing strategy and a SWOT analysis. Is able to project organizational structure, recruiting and retention strategies, development of internal resources, and training needs as well as a viable compensation plan.
Provides mentoring as a cornerstone to management development.
Assists, as required, in raising additional capital at appropriate valuations to enable the company to meet sales growth and market share objectives.
Fosters a success-oriented, accountable environment within the company
Represents the firm with clients, investors and business partners.

Competencies:

1. Strategic Thinking.
2. Business Acumen.
3. Leadership.
4. Results Driven.
5. Financial Management.
6. Problem Solving/Analysis.
7. Collaboration Skills.

Supervisory Responsibility
This position manages directors and Vice Presidents and is responsible for the overall direction, coordination and evaluation of these employees. The President & CEO also directly supervises non-supervisory employees. This position’s responsibilities include: interviewing, hiring and training employees; planning, assigning and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

Work Environment
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Position Type and Expected Hours of Work
This is a full-time position. Days and hours of work are Monday through Friday, 8:30 a.m. to 5 p.m. This position regularly requires long hours and frequent weekend work.

Travel
This position requires up to 50% travel. Frequently travel is outside the local area and overnight.

Required Education and Experience

BA/Master’s Degree preferred

Minimum of five year’s experience in the following:

Starting and/or growing a small business
Leading in a professional service organization
Representing the organization in a leadership capacity in a professional setting
Managing a staff
Developing an incentive plan and budget
Corporate governance and administration
Negotiating legal agreements

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Our client, a $7Billion Commercial Bank, is seeking a Senior Commercial Lender to focus on middle market lending in the St. Louis, MO market. The bank is one of the largest family owned banks in the country serving communities in St. Louis, Southern Illinois, and California. They offer a full complement of business and consumer products and services to consumers, small business, and middle market commercial customers. They also offer the product depth of a national brand and the personalized attention that only a community bank can provide. The position is focused on sales revenues between $10MM-$250MM and credits between $2MM-$30MM.

Compensation includes a competitive base salary and an aggressive incentive plan.

For more information please contact Austin Ressler at 207-298-9746 or aressler@ajconsultantsllc.com

[Specialty] => [MaxSalary] => [ContactName] => Tim Fogerty [ContactPhone] => (314) 692-6338 [ContactEmail] => tim.fogerty@fbol.com [DatePosted] => 2022-11-07T11:22:08 [City] => St. Louis [State] => MO [PostalCode] => [Country] => [Status] => Closed [ContactId] => 152489412616156 [MinSalary] => [ShowOnWeb] => 1 [PositionId] => EB-1542255226 [LastActivity] => 2023-02-02T17:05:24 [LastModified] => 2023-02-02T17:05:24 [UserName] => AR [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [62] => stdClass Object ( [JobId] => 117419848600229 [CompanyId] => 203345627400078 [CompanyName] => MutualOne Bank [Industry] => [JobType] => FullTimeRegular [JobTitle] => Chief Financial Officer [DegreeRequired] => [JobDescription] =>

AJ Consultants has partnered with MutualOne Bank, $1B (Framingham, MA) on a retained search to find the bank’s next Chief Financial Officer. The “CFO” will have a seat at the table and play a critical role in creating, planning and executing the bank’s growth strategies with vision and purpose.

The ideal candidate possesses top-notch financial, accounting, reporting and treasury acumen in addition to superior leadership and communication skills. A “can-do” entrepreneurial spirit is key because this bank is extremely well capitalized with a strong desire for significant growth.

MutualOne Bank is a very stable institution with high employee retention as a result of their culture of collaboration, mutual respect and flexibility.

Please review the following job description for a formal breakdown of responsibilities, requirements and expectations.

Position Description

Title: Chief Financial Officer (CFO)

Department: Accounting

Reports to: President/Chief Operating Officer/Treasurer

Department this Position is responsible for: Finance and Accounting

Supervises: Controller, Accounting Manager, Senior Accountant, Accounting Assistant

Classification: Exempt

Date Prepared: September 23, 2022

Summary / Objective

The Chief Financial Officer (CFO) plans, organizes and directs the accounting and finance functions of the Bank. As a member of the executive management team, participates in the formulation and implementation of bank wide strategies and objectives as they relate to the financial management of the institution.

This position will provide vision, leadership and managerial direction required to successfully meet or exceed the growth and profitability objectives of the organization. Also, this position provides effective fiscal and financial counsel to the CEO and President/COO, Board of Directors, and Senior Management with regard to fiscal control, profitability (including but not limited to effective expense management), and funding of business initiatives. This individual will be accountable for ensuring the effective hiring, training, management, coaching, and development of members of the Finance and Accounting team.

Experience & Education Requirements:

Bachelor’s degree in accounting, finance, or related field.
Master’s degree in accounting, finance, or related field (CPA Preferred).
Fifteen years of relevant experience in banking or financial services company.
Ten years of senior management experience.
Experience should be in all areas of banking finance, accounting, reporting, budgeting, financial analysis, investments, interest rate risk (and/or other related risk matters), and liquidity to ensure the financial goals and objectives of the Bank are met both short and long term.
Versed in FDICIA and CECL guidance, requirements, and reporting.
Knowledge of SEC compliance and reporting requirements preferred.

Essential Job Functions:

Develop and recommend plans and organization for the department. Select and provide for the continuing development of subordinate managers and staff. Conduct periodic performance reviews and provide guidance/direction in developing and implementing plans and objectives.
Lead the asset/liability management process, directing data analysis, discussion, and decision making in concert with the Company’s asset/liability and investment advisors.
Maintain up-to-date data on interest rate and economic forecasts.
Prepare ALCO reports for quarterly meetings; prepare meeting minutes and report periodically to the Board.
Manage the Bank’s securities portfolio, in concert with the CEO, President/COO/Treasurer and the Company’s investment advisors, utilizing a “total return” strategy.
Review, maintain, and make recommendations for changes to investment policy to the CEO and/or President/COO/Treasurer to ensure maximum return on the portfolio consistent with Bank’s risk and return strategy.
Explore and recommend potential investment and business opportunities to the CEO and/or President/COO/Treasurer to support maximizing returns and profitability for the Bank.
Oversee preparation of investment activity report and periodic presentations to the Board.
Oversee work of Bank Controller, Accounting Manager, and accounting staff to ensure that Bank accounting is conducted following generally accepted accounting principles.
Oversee the preparation of a variety of financial reports including (but not limited to) quarterly FDIC call report, annual Bank Commissioner’s report, semiannual Deposit Insurance Fund premium calculation report and the Treasurer’s report for the Corporation’s annual meeting.
Coordinate interim and annual audit activities in conjunction with the Bank’s external auditor.
Facilitate annual budget process at the direction of the CEO and/or President/COO/Treasurer and monitor actual departmental performance against established budget.
Coordinate the Bank’s tax planning effort to ensure efficiency, cost-effectiveness, and compliance with State and Federal laws and regulations; monitor and evaluate insurance coverage for cost-effectiveness and adequacy of coverage.
Maintain a strong working relationship with other members of the Senior Management Team by fostering teamwork and mutual trust.
Act as a positive role model for staff by maintaining a high level of managerial competence, technical proficiency, and professionalism.
Attend all Board of Directors meetings, furnish financial reports, and present all relevant financial information as required.

Required knowledge, skills & abilities:

Ability to successfully manage several projects simultaneously.
Strong technology background with hands-on experience/competencies with automated accounting systems, Excel, and Word (COCC core system experience preferred).
Excellent oral and written communication skills.
Excellent presentation skills.
High reasoning skills including the ability to explain Bank financial statements, define problems, collect data, establish facts, and draw valid conclusions.
Ability to collaborate and relate well to all kinds of people, build appropriate rapport and constructive, effective relationships, and use tact and diplomacy to handle situations comfortably.
Ability to set clear and actionable expectations; stimulate learning, growth, and performance improvement in others; empower others to contribute at increasingly higher levels; and provide candid and beneficial feedback to team members.

Physical Demands and Work Environment:

Ability to use standard equipment such as computers, phones, photocopiers
Must be able to work schedules that meet the needs of the Bank, which may include early morning, evening and /or weekend hours
Requires manual dexterity and sitting for longer periods of time

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Other Duties

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. It is expected that from time-to-time other duties, both related and unrelated to the above, may be assigned and therefore, required.

Position Title:	Middle Market Relationship Manager
Department:	Business Banking
Reports To:	SVP, Director of Middle Market Banking

AJ Consultants is partnering with Bar Harbor Bank & Trust (BHBT) to find an A-player Middle Market Relationship Manager (player/coach) (C&I/CRE) to launch a well planned LPO in Burlington, VT. This is a unique opportunity to spearhead the bank’s third successful LPO in as many years with the support of a commercial banking structure that was crafted by career commercial lenders for commercial lenders.

If you are not familiar with BHBT, it is a publicly traded $3.7B regional bank with over 50 locations spanning three states in Northern New England. Over the past five years the bank has experienced intelligent growth organically and through acquisition. Well capitalized with an impressive ROE, BHBT is one of the most well run banks in New England.

The compensation package includes a highly competitive base, bonus and excellent benefits, but most importantly, this is an opportunity for you to put your stamp on the Greater Burlington business community.

Please contact B.J. Berrettini for more information:

bberrettini@ajconsultantsllc.com

570-714-3112

Position Summary:

The Middle Market Relationship Manager develops and services C&I and CRE relationships, and actively participates in business development activities to foster growth of the bank, including outside calling and referrals to other lines of business. The incumbent manages a portfolio of existing commercial relationships with revenues between $10MM and $100MM and borrowing needs of $5MM or more and/or CRE relationships with borrowing needs of $5MM or more.

Responsibilities (Essential):

Demonstrate success in developing new business by projecting solid knowledge of banking products and services, making proactive recommendations to customers to meet their financial needs and to meet or exceed established volume goals.
Provide exceptional customer service while demonstrating success in retaining and expanding existing relationships.
Assess the financial performance and risk on more complex deals, including identifying ways to mitigate risk to the Bank.
Establish strong working relationships with credit partners to ensure ongoing credit quality of portfolio.
Structure most deals with minimal guidance using solid negotiation skills.
Recommend covenant structure and thresholds for all deals while adhering to internal and external credit and regulatory requirements.
Review loan documentation and close loans with terms and conditions which are consistent with approvals.
Provide guidance to, and work collaboratively with, assigned support staff.
Prepare and present necessary requests to the Management Loan Committee and Board Risk Committee for review and approval.
Participate in cross-functional business development efforts in conjunction with other departments. Proactively refer business within the Company.
Enthusiastically support the Bank’s Guiding Principles and Brand Behaviors.
Adhere to federal regulatory requirements, such as the Anti-Money Laundering and Bank Secrecy Acts, and all established policies and procedures.

Responsibilities (Marginal):

Perform other duties as requested.

Required Education & Experience:

Bachelor’s degree in finance, banking or related field is strongly preferred.
A minimum of five years’ experience in commercial banking or other related position.
Proven business development, communication, and negotiation skills.
Must be able to function with a high degree of independence and collaboratively within a team, using sound judgement to plan and accomplish goals.
Working knowledge of Windows-based software programs is required.

Physical Demands and Work Environment:

Physical Demands: General office environment.

Work Environment: General office environment.

Schedule Expectations:

Full time, 40 hours per week.

Required Travel:

This position requires travel approximately 50% of work hours.

AAP/EEO Statement:

Bar Harbor Bank & Trust is an Equal Opportunity Employer, Minority/Female/Disability and Protected Veteran. These are the requirements for an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential responsibilities.

AJ Consultants has been retained by MVB Financial Corp. to find their President of FinTech. This is a key role with one of the true entrepreneurial community banks and top FinTech’s in the industry. At MVB they think big, striving to empower their communities and to embrace industry disruption. They are focused on the future with an eye toward “blue ocean” opportunities. This role could sit in Utah, West Virginia, Northern VA, Atlanta, New York City area or Austin Texas.

The president is tasked with providing strong leadership for the company by working with the board and other executives to establish short and long-term goals, plans and strategies. They are responsible for presiding over the entire workforce and they will manage budgets and make sure resources are allocated properly. The president will make sure departments meet their individual goals and are responsible for overall accountability to shareholders and the general public. They will encourage business investment from the community and act as the public face of the company. In addition, the person in the role of president must have an entrepreneurial mindset and adapt quickly to changes in the marketplace.

If interested AND qualified, please reach out to Adam Eckels at aecekls@ajconsultantsllc.com OR Austin Ressler at aressler@ajconsultantsllc.com or call 570 696 2707.

Position Title:	Regional Relationship Manager
Department:	Business Banking
Reports To:	Regional Banking Team Lead

AJ Consultants is partnering with Bar Harbor Bank & Trust (BHBT) to find an A-player SVP, Regional Relationship Manager (C&I/CRE) to expand their growing presence in the business communities across Southern New Hampshire. A commercial bank built by commercial bankers, Bar Harbor Bank & Trust has eliminated barriers to progress commonly seen at community, regional and money center banks alike. They are crushing it across Central and Northern NH and they are committed to expanding throughout the Southern tier leveraging their existing locations in Nashua, Bedford, Manchester and Concord.

Please contact B.J. Berrettini for more information:

bberrettini@ajconsultantsllc.com

570-714-3112

Position Summary:

This position is responsible for developing new commercial business relationships for the Bank, processing commercial loans, and maintaining existing commercial business relationships.

Responsibilities (Essential):

Prospect new commercial business including team referrals of treasury, depository, and wealth management services.
Originate, evaluate, process and close commercial loans consistent with Bank’s credit policy and credit culture.
Maintain and provide exceptional client service with existing commercial relationships.
Represent the Bank in the local community including participation in community and civic organizations.
Market the Bank’s products and services, cross-selling to customers.
Work closely with support staff and analysts to ensure smooth transactions and excellent customer service.
Enthusiastically support the Bank’s Guiding Principles and Brand Behaviors.
Adhere to federal regulatory requirements, such as the Anti-Money Laundering and Bank Secrecy Acts, and all established policies and procedures.

Responsibilities (Marginal):

Perform other duties as requested.

Required Education & Experience:

A minimum of 7 years of banking experience is required with at least 5 years of commercial lending and 2 years of credit analysis desired.
College degree in business administration, finance or related field preferred.
Proven business development and communications skills.
Excellent customer service skills.
Be organized and have analytical skills and careful attention to detail.
Ability to analyze and interpret results to support logical conclusions.
Ability to multi-task, manage multiple priorities in a fast paced environment.

Physical Demands and Work Environment:

Physical Demands: General office environment.

Work Environment: General office environment.

Schedule Expectations:

Full time, 40 hours per week. Over 40 hours as required.

Required Travel:

This position requires travel approximately 15% or less of work hours.

AAP/EEO Statement:

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2021-11-10T16:31:52 [City] => Southern New Hampshire [State] => [PostalCode] => [Country] => [Status] => Closed [ContactId] => [MinSalary] => [ShowOnWeb] => [PositionId] => EB-1537385956 [LastActivity] => 2022-09-14T10:58:39 [LastModified] => 2022-09-14T10:58:39 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [77] => stdClass Object ( [JobId] => 870496075562078 [CompanyId] => 952381292341333 [CompanyName] => Fidelity Cooperative Bank [Industry] => [JobType] => FullTimeRegular [JobTitle] => SVP, Director of Residential Lending [DegreeRequired] => [JobDescription] =>

AJ Consultants has been retained by a long-time partner, Fidelity Bank (Leominster, MA), to lead a search for a new SVP, Director of Residential Lending who will help take the department to the next level and beyond. This opportunity is a result of a forthcoming retirement, but the timing is unique because Fidelity Bank is simultaneously launching a digital transformation initiative. This project will impact the pace of residential lending, lead generation, product offerings and more and the new Director of Residential Lending could play a role in this Omni channel growth strategy. Ultimately, you will be responsible up to four teams with over thirty(30) FTE’s including local loan originators, in-house digital direct-to-consumer sales and support staff.

SVP, Director of Residential Lending

Fidelity Bank

Department: Residential

Date: April 2022

Reports To: Chief Lending Officer

About Fidelity Bank:

Fidelity Bank is essentially a 134-year-old ‘start-up’ with an insatiable entrepreneurial spirit. Founded in 1888,Fidelity Bank is a progressive, innovative and well-capitalized $1.2B bank with an enduring drive to stay one stepahead of its competition. As a result it is one of the strongest independent community banks in Massachusetts.Driving the bank’s start-up mentality is Fidelity Bank’s unique LifeDesign culture which is a commitment to provideinternal and external customers the care and clarity needed to make informed and confident decisions about theirfinancial and life goals.

Princeton, and Winchendon. Digitally, the Bank is fully committed and prepared to expand beyond its physical footprint with passion and CARE.

Fidelity Bank has been voted Worcester Telegram & Gazette Best Bank in Central Massachusetts and Best FinancialServices, Best Bank by both Leominster Champion and Baystate Parent, and it has been recognized by the WorcesterBusiness Journal as a Top Workplace. Fidelity Bank was named six times to the Boston Globe’s Top Places to Work list.

For more information, visit www.fidelitybankonline.com or www.facebook.com/fidelitybankma

Position Summary:

As the Director of Residential Lending, you are responsible for the growth of all residential lending originations and processes in a manner consistent with our LifeDesign culture while achieving sales, growth and retention targets across Fidelity Bank’s footprint. You will set and execute the overall direction of the residential lending sales strategy, pricing and profitability while achieving budgeted origination, market share and profitability targets.

The Director of Residential Lending will have the opportunity establish a strategy and build growth within our local footprint as well direct to consumer markets. Strategy should include loan originators in Fidelity’s core markets; direct to consumer digital initiatives and strategic relationships such as joint ventures, investment in mortgage bankers and/or technology service providers, loan participation and correspondent lending opportunities.

You will be responsible for a team of loan originators and our direct to consumer digital in-house sales team, with executive accountabilities for all elements including managing sales performance, oversight of compensation, and professional development. The ideal candidate will be skilled at recruiting the right talent and building a team ofhigh-achieving sales agents and credit support staff. Collaboration with the Digital team, Commercial Lending and Community Banking is essential for success.

Primary Duties

Leadership and Management

Optimize Mortgage Operations to create strong client omnichannel experience; oversee process improvementand optimization of the operational aspects of mortgage Ensure that consumer compliance standardsare achieved and adhered to.
Responsible for supervising Mortgage Operations to ensure service levels are achieved and clientexperience meets Life Design service delivery
Identify and adopt appropriate technology assets to support all aspects of Fidelity’s Life Design approach to banking services. Create, implement and administer a servicing and client retention strategy consistent withthe LifeDesign
Ensure Low and Moderate Income (LMI) residential targets are achieved, and community partnerships andfinancial education plans are in place to leverage Community Reinvestment Act (CRA) team.
Monitor and analyze the risk associated with Fidelity’s lending Analyze loan data reports usingfact-based decision making to contribute to the overall organizational strategy and appropriate risk management.
Oversee the development and monitoring of performance standards for the lending Set and monitor department performance requirements, goals, and objectives. Provide mentoring, coaching, or training to support and develop managers and staff.
Collaborate with the Digital team, Commercial Lending and Community Banking on growth initiatives.
Establish incentive/commission compensation programs for real estate lending Ensureincentive/ commission programs are in compliance with regulatory requirements applicable for thecorresponding department.
Develops annual budget aligned with the bank organizational growth and performance
Identify & prioritize improvements to our client experience to accelerate our ability to attract clients and strengthen our brand.

90- Day Performance Expectations

Fully embrace the LifeDesign Banking approach, coach all mortgage employees to learn and embrace it and lead presentations within the market.
Develop, present and begin implementation of a sales strategy with a particular focus on the purchase market within 90 days.
Identify talent/knowledge gaps, develop a recruiting strategy if necessary.

Community/Industry Involvement:

Embrace the Bank’s LifeDesign CARE process and approach
Be active in banking industry organizations and programs to establish a resource network of other
Remain cognizant of trends and developments affecting the industry and the

Management's Definition of Success for an Outstanding Performer:

This professional must fit culturally with the management team and the entire Have an impeccableprofessional reputation and the highest level of integrity and authenticity.
This professional must drive implementation of LifeDesign, our unique approach to banking and ensure the CARE process is used with every client, every time
Possess intelligence and a good sense of Listen and “check your ego at the door” as this is a team-oriented environment that is focused on doing what is best for the client.
Bring outstanding leadership, interpersonal skills, and a collaborative style with the ability to build rapport andpartner effectively with a wide variety of people at all levels (e.g. directors, employees, clients, and regulators).This includes the presence, poise, and gravitas to gain credibility and proactively keep them well informed and involved.
Drive strategic alignment that is focused on continuous improvement, working cross-functionally, and preventing silos.
Demonstrate motivation, a strong work ethic, and a passion for having an impact on clients and the
Demonstrated interest and commitment to drive diversity and inclusion
Be customer-focused, entrepreneurial, and goal-oriented. Have a personality that will instill enthusiasm, confidence, and innovation.
Demonstrate an ability to make tough decisions, even when

Job Qualifications:

A minimum of 10 years lending experience
A minimum of 5 years of lending senior leadership
Agile workplace experience & mindset
Strong project management skills, with the ability to spin many plates
Banking experience strongly preferred
Bachelor’s degree required; MBA

Job Details

Position Title:

AVP, VP or SVP Commercial Lender

Department:

Commercial Banking

Reports To:

EVP, Regional Commercial Lending Director

AJ Consultants has been retained by Enterprise Bank & Trust(EBTC), a long time partner, to find the right Commercial Lender to sit in their Acton, MA office. The right lender will drive commercial banking business (CRE and C&I) into the bank by servicing the communities surrounding Acton, MA and throughout Eastern Massachusetts. Having placed two of the top performing commercial lenders at the bank, we are familiar with the bank’s credit culture and appetite for commercial business and will share a detailed strategy with you if you will honor us with a conversation about your career path and goals.

If you are not familiar with EBTC, it is a publicly traded $4.5B Community Bank with 25 locations throughout Northeastern Massachusetts and Southern New Hampshire. Well capitalized and highly profitable, EBTC is a highly respected and healthy financial institution committed to sustained growth within the communities it serves. The bank has a very collaborative and inviting culture which contributes to their superior retention rate.

Please contact B.J. Berrettini for more information:

bberrettini@ajconsultantsllc.com

570-714-3112

Noteworthy details:

Reports to a highly respected Regional Manager
Includes a sizable and very clean portfolio of strong Class A borrowers (Mostly ICRE and C&I)
Reasonable loan goals
Competitive base salary and a VERY aggressive incentive package that is not capped!

Description

ENTERPRISE BANK IS HIRING Acton Commercial Lender

Get to Know Us: Enterprise Bank is a local community bank with a diverse and inspiring culture where we put our team members and relationships first. We have been honored as one of the “Top Places to Work” multiple times. Operating from a sense of purpose, our positive and supportive culture encourages our team members to trust, respect, and care for each other as a family and strive for excellence in all we do.

Our DEI Value Statement: At Enterprise Bank, people and relationships come first. We encourage and foster a culture of diversity, equity, and inclusion, where everyone feels valued and respected. We are committed to a caring workplace that recognizes the importance of making a meaningful, positive difference in the lives of our team members, customers, and communities. Please click here to view our Inclusion website for more information and to learn more of our story and Core Values click here.

What You’ll Do: We are currently seeking a Commercial Lending Officer to support a strong existing customer portfolio and develop more business opportunities at our successful Acton, MA branch. Our Lenders are part of a winning team and are key contributors to our successful growth strategy. If you thrive on the challenges of helping businesses grow and pride yourself on providing timely, efficient, financing/loan decisions and highly-responsive service to customers, Enterprise Bank’s Commercial Lenders create partnerships with business owners and local professionals seeking financing to expand their businesses and/or professional practices. Lenders develop their financing relationships through community involvement, networking, professional affiliations, referrals from within the bank and direct business development (calling) efforts. Lenders consult with and advise borrowers throughout the loan cycle - from application to close - to help ensure successful businesses and lasting relationships.

Benefits: We encourage every team member at Enterprise to lead a healthy and balanced life. We offer generous paid time-off programs, exceptional Tuition Assistance, College Loan Repayment, Wellness programs, Employee Resource Groups, opportunities to assist in your community as well as health, dental and life insurance coverage and a generous 401(k) match.

Requirements: Bachelors’ degree and three to five years of proven experience in Commercial Lending and a record of successful business development (sales).

Enterprise Bank is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. EOE M/F/Disabled/Vet.

Qualifications

Preferred Behaviors

Loyal: Shows firm and constant support to a cause

Thought Provoking: Capable of making others think deeply on a subject

Enthusiastic: Shows intense and eager enjoyment and interest

Dedicated: Devoted to a task or purpose with loyalty or integrity

Preferred Motivations

Job Security: Inspired to perform well by the knowledge that your job is safe

Entrepreneurial Spirit: Inspired to perform well by an ability to drive new ventures within the business

Goal Completion: Inspired to perform well by the completion of tasks

Required Education

Bachelors Degree or better.

Required Experience

Three to five years of proven experience in Commercial Lending and a record of successful business development (sales).

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AJ Consultants has been retained by a long-time partner, Fidelity Bank (Leominster, MA), to lead a search for a growth minded and digital focused visionary as the bank’s first Chief Marketing & Digital Experience Officer. This is a strategic role with a “seat at the table” reporting directly to the CEO and will precisely lead the bank's traditional marketing function while simultaneously creating and implementing a staged digital expansion.

The ideal talent is a creative marketing pioneer with digital transformation experience at a community or regional bank, fintech or financial services with a strong track record of driving growth by creating unique and innovative digital customer experiences.

Chief Marketing and Digital Experience Officer (CMDXO)

Fidelity Bank

Department: Marketing

Date: February 2022

Reports To: Chief Executive Officer/Chairman

Location: This is a national search where the role can sit in Leominster, MA, Greater Boston or be 100% or partially remote.

About Fidelity Bank:

Fidelity Bank is essentially a 134-year-old ‘start-up’ with an insatiable entrepreneurial spirit. Founded in 1888, Fidelity Bank is a progressive, innovative and well capitalized $1.2B bank with an enduring drive to stay one step ahead of its competition. As a result it is one of the strongest independent community banks in Massachusetts. Driving the bank’s start-up mentality is Fidelity Bank’s unique LifeDesign culture which is a commitment to provide internal and external customers the care and clarity needed to make informed and confident decisions about their financial and life goals.

Locally, the Bank offers a range of personal and business banking solutions to clients in 13 full-service offices in Leominster, Worcester, Fitchburg, Needham, Gardner, Shirley, Barre, Millbury, Paxton, Princeton, and Winchendon. Digitally, the Bank is fully committed and prepared to expand beyond its physical footprint with passion and CARE.

Fidelity Bank has been voted Worcester Telegram & Gazette Best Bank in Central Massachusetts and Best Financial Services, Best Bank by both Leominster Champion and Baystate Parent, and it has been recognized by the Worcester Business Journal as a Top Workplace. Fidelity Bank was named six times to the Boston Globe’s Top Places to Work list.

For more information, visit www.fidelitybankonline.com or www.facebook.com/fidelitybankma

Position Summary:

As Chief Marketing and Digital Experience Officer (CMDXO), you are responsible for creating the bank’s strategic vision for digital growth, experience, and customer acquisition. In this role, you will be responsible for building the required marketing programs that can support the organizational growth strategies and oversee the execution, performance and return on marketing strategies.

As the CMDXO, you will play an integral role in the bank’s digital transformation strategies, promoting cultural advancement, the expansion of, and implementation of new digital channels (marketing and banking) to both service and acquire new audiences and in developing and overseeing digital acquisition strategies through the use of data, technology and partnerships.

The CMDXO will be responsible for the performance of customer acquisition, customer profitability, customer satisfaction, market share growth, and increasing internal process efficiency and effectiveness through the utilization of digital programs.

Primary Duties

Leadership and Management:

Collaborate and be a strategic partner with LOB leaders to understand their products, opportunities, competitive challenges, capacity, and growth objectives for both digital and traditional client acquisition.
Develop aligned marketing and growth strategies for various LOB and audience segments for digital client acquisition in the market and out of the market to increase the bank’s digital reach and service footprint.
Utilize data and advanced marketing methods to evaluate and define target markets and audience segments for growth opportunity and acquisition- consumer, small business, commercial, municipal, residential mortgage, consumer lending, investments & insurance.
Own, manage and advance the bank brand, from visual ID, messaging and positioning, unique value proposition (CARE), and the brand experience to ensure the bank remains competitive in the marketplace.
Develops and oversees all marketing channel strategies for the bank, including digital and traditional marketing such as social media, website, paid, earned, and owned channels, content, and traditional marketing, public relations, and corporate communications.
Responsible for the management and allocation of marketing resources, including marketing and marketing-related budgets, personnel, outsourcing and vendor partnerships, and internal support and resource allocation for projects and organizational strategies.
Responsible for marketing performance and optimization of marketing channels, emphasizing digital performance for both owned channels- social media, website/ SEO, and email, and paid channels- PPC, SEM.
Owns marketing program management, including marketing processes and policies and risk management practices related to marketing activities to ensure compliance across all marketing channels and activities.
Develops annual marketing budget aligned with the bank organizational growth and performance strategies and is responsible for managing and overseeing marketing budgets and the bank’s return on investment.
Identify & prioritize improvements to our client experience (online loan applications, online account opening, and online banking) to accelerate our ability to attract clients and strengthen our brand.
Co-pilot digital transformation strategies and project execution with the CDIO through our “Digital Lab.” This included identifying innovations, techniques, and defining processes to improve the CX, digital acquisition, and brand strength.
Responsible for the implementation, optimization, and delivery of the bank’s digital channels, including self-serve technology, chat, text, video, email, and telephone.
Identify additional products and services we can profitably deliver through Digital Channels.

90-Day Performance Expectations

Conduct marketing department assessment, perform gap analysis, build short and long term digital transformation strategy, gain CEO and Board approval, then execute.

Community/Industry Involvement:

Embrace the Bank’s LifeDesign CARE process and approach
Represent the Bank professionally leveraging all relevant digital channels including social media
Be active in banking industry organizations and programs to establish a resource network of other bankers.
Remain cognizant of trends and developments affecting the industry and the Bank.

Management's Definition of Success for an Outstanding Performer:

This professional must fit culturally with the management team and the entire organization. Have an impeccable professional reputation and the highest level of integrity and authenticity.
This professional must embrace and support LifeDesign and continuous improvement
Drive the growth of digital banking channels seamlessly with our Life Design and CARE system
Develop and execute digital expansion of Fidelity Bank’s brand locally and regionally
Possess intelligence and a good sense of humor. Listen and “check your ego at the door” as this is a team-oriented environment that is focused on doing what is best for the customer.
Bring outstanding leadership, interpersonal skills, and a collaborative style with the ability to build rapport and partner effectively with a wide variety of people at all levels (e.g. directors, employees, clients, and regulators). This includes the presence, poise, and gravitas to gain credibility and proactively keep them well informed and involved.
Drive strategic alignment that is focused on continuous improvement, working cross-functionally, and preventing silos.
Demonstrate motivation, a strong work ethic, and a passion for having an impact on clients and the community.
Demonstrated interest and commitment to drive diversity and inclusio
Be customer-focused, entrepreneurial, and goal-oriented. Have a personality that will instill enthusiasm, confidence, and innovation.
Demonstrate an ability to make tough decisions, even when unpopular.

Job Qualifications:

A minimum of 10 years strategic marketing experience
A minimum of 5 years digital marketing, digital customer experience and/or digital transformation experience
Possess a ‘digital first’ mentality
Agile workplace experience & mindset
Strong project management skills, with the ability to spin many plates
Banking experience strongly preferred
Bachelor’s degree required; MBA preferred.

Senior Commercial Credit Analyst

Title: Senior Credit Analyst

Reports to: VP, Credit Analysis Manager

Location: Natick, MA - (Can work remotely 2 days per week)

AJ Consultants has been retained by Middlesex Savings Bank to assist in their search for a Senior Commercial Credit Analyst due to a substantial expansion of their commercial lending team.

Middlesex Savings Bank is a financially strong, well-revered $6B mutual bank with a strong branch presence in the Metro-West market targeting commercial business throughout Eastern, MA. Their culture is customer-centric, collegial and collaborative so they attract bright and dedicated talent who are empowered to do what is best for their customers and the communities they call home.

Compensation includes a very lucrative base salary, bonus and a tremendous pension plan!

For additional information and/or to discuss the opportunity, please contact:

B.J. Berrettini, New England Recruiting Manager
bberrettini@ajconsultantsllc.com
Work# 570-714-3112

Overview

Performs credit analysis and recommends appropriate credit structure on complex credit relationships handled by the commercial loan department in conformance with established policies, procedures and objectives. Performs any functions, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers and co-workers.

Responsibilities

Prepares analyses and makes appropriate credit structure recommendations on new and/or existing complex credits. Spreads and makes interpretative analysis of financial statements and prepares memorandum for use in loan decision-making. Performs credit analysis on the most complex relationships including C&I, Commercial Investment Real Estate, Owner-occupied and Residential Construction customers.
Analyzes annual financial statements and reports on changes in financial condition for existing relationships.
Assists the Senior Credit Officer with Credit Policy development. May manage less complex Managed Assets relationships.
Trains and serves as a resource to more junior credit analysts and junior loan officers.
Prepares and distributes for Senior Credit Committee (SCC) and Executive Committee (EC) a variety of recurring reports for use in the administration of the commercial loan portfolio.
Assists in preparing loan packages for Officers, SCC and EC committee meetings. Attends such meetings and provides appropriate insight into various credit issues that are discussed.
Refers sales opportunities to other departments or bank affiliates in support of established objectives.
Performs all duties in accordance with prescribed regulatory compliance guidelines.
Performs related and unrelated duties as may be required.

Requirements

Bachelor’s degree plus specialized course work and training. An advanced business degree is desirable.
At least five years of credit related experience.
Strong working knowledge of accounting, credit analysis as well as loan and mortgage documentation.
Must demonstrate a very strong knowledge of commercial credit analysis including the ability to analyze repayment sources, evaluate risk and determine collateral values.
Strong analytical, communication, and interpersonal skills required.
Must possess at least intermediate technology skills, including knowledge of word processing, database and spreadsheet applications.

Middlesex Savings Bank is an EO/AA Employer: Min/Fem/Vet/Disabled

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Title: VP/SVP Commercial Banking Officer III

Reports to: Commercial Banking Team Leader and/or Director of Commercial Banking

AJ Consultants has been retained by Middlesex Savings Bank to assist in their search for a Middle Market Commercial Lender due to a pending retirement. What makes this opportunity unique is the bank’s customer centric philosophy, which demands quality over quantity. Ideal candidates are true relationship managers with deep ties to the business community, excellent credit skills and place priority on a healthy work-life balance.

For additional information and/or to discuss the opportunity, please contact:

B.J. Berrettini, New England Recruiting Manager
bberrettini@ajconsultantsllc.com
Work# 570-714-3112

JOB DESCRIPTION

COMMERCIAL BANKING OFFICER III

The incumbent provides superior relationship management and portfolio management for a large commercial loan portfolio that consists of a number of significant bank relationships. This involves (i) interacting regularly with assigned customers to stay abreast of their banking needs, business strategy and operating performance in order to provide superior banking service; and (ii) ensuring required financial information is provided on a timely basis, and is reviewed and analyzed promptly to identify any areas of potential concern. In addition, the incumbent develops new loan and deposit business from both new and existing customers. Performs any function within scope of authority and expertise to provide the highest level of service and responsiveness to customers and co-workers.

PRIMARY RESPONSIBILITIES:

Maintain regular contact with existing customers through a combination of email, telephone and face-to-face visits. Demonstrate a thorough understanding of each customer’s business strategy and offer ideas and banking solutions to help them achieve their goals. Arrange for periodic contact by senior bank management (Team Leader, CCBO, CEO, as appropriate) to ensure each customer has a bank executive they can contact if needed.  
Ensure that all financial statements, covenant compliance certificates, borrowing base certificates, personal financial statements, and any other required financial reporting is received, logged and reviewed on a timely basis. Ensure that borrowing base and covenant compliance certificates are prepared and signed by an appropriate party of the Borrower.  
Manage the structuring of commercial loans and the negotiation of loan documents, and ensure that final documentation is consistent with credit approval documents.  
Work collegially with the Credit Department to insure high quality credit analysis and risk assessment are developed. Present credits for approval. Ensure that all appropriate information is delivered to Loan Servicing, the Credit Department, or other administrative units. Ensure that record keeping is accurate and current.  
Develop new business relationships. Build and nurture productive outside referral sources. Identify qualified potential customers and initiate business development efforts to establish banking relationships. Determine product/service solutions, referring the opportunity to the appropriate department.  
Maintain the reputation of the Bank with customers, prospects, referral sources, and community-based organizations  
Perform all duties in accordance with prescribed Bank and regulatory compliance guidelines. Ensure all commercial loan relationships are in full compliance with Bank policies and applicable federal and state laws and regulatory guidelines. Recommend changes as necessary to support prescribed requirements.  
Represent the Bank through active participation in community and industry organizations and events and promote the business interests of the Bank.  
Perform other duties as may be required.

POSITION REQUIREMENTS:  

Bachelor’s Degree and Credit Training.  
At least ten years of commercial credit and/or business lending experience.  
Effective analytical, organizational, business development, presentation, problem-  solving, negotiation and customer service skills.  
Must possess at least intermediate technology skills, including knowledge of word  processing, database and spreadsheet applications.  
Must be able to travel throughout defined market.  Middlesex Savings Bank is an EO/AA Employer: Min/Fem/Vet/Disabled

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AJ Consultants has been retained by BankProv, Amesbury, MA to fill Credit Analyst and Credit Officer roles in the bank’s cutting edge commercial Credit department. BankProv (Provident Bancorp) is a $1.6B publicly traded, highly profitable and well capitalized bank with a national reach.

Either role can sit in one of the bank’s current locations or be 100% remote for the right talent. Credit Analyst = 1+ years of experience & Credit Officer = 5+ years of experience (This role is the highest level analyst/underwriter working on the most complex deals while mentoring junior analysts)

In 2020, The Provident Bank rebranded as BankProv to support its limitless vision. In addition to traditional CRE and C&I loans, the bank focuses on specialty lending division with a sizable portfolio in both private equity(cash flow) and crypto lending.

The commercial credit department consists of three teams with certain specialties, but the bank’s goal is to cross-pollinate every credit talent with experience in every area of lending. The department was carefully structured to allow for maximum career exposure and growth for each team member, which in essence will support the bank’s aggressive short and long-term growth goals.

POSITION TITLE: Credit Analyst

LOCATION: 3 options

· (Amesbury, MA – Portsmouth, NH – Bedford, NH)

· HYBRID

· 100%REMOTE

DEPARTMENT: Reporting to Credit Team Lead

CLASSIFICATION: Exempt

Position Summary

The Credit Analyst is an entry-level opportunity for an individual to use their financial foundation, get formal credit training and learn the Senior Analyst Role. Focus is on gaining an understanding and ability to spread and analyze financial statements and complete Annual Reviews of existing Bank relationships. Additionally, the Credit Analyst should begin to have the ability to assess personal and business credit, the Bank’s collateral position, and support the risk rating of the Borrower.

Essential Duties and Responsibilities:

Complete tax return and financial spreads in Loan Vantage
Review business and personal credit bureaus
Request and review 3^rd party reports as needed
Perform annual reviews and/or renewals of commercial relationships and verify risk ratings
Underwrite non-complex commercial loan requests (C&I and CRE) under $1MM
Attends weekly Credit Committee and Loan Structure meetings and take minutes when required
Maintain a high level of quality control and adhere to State, Federal and Bank regulatory and Loan Policy requirements
Demonstrate behaviors which are aligned with the Bank’s culture and core values

Essential Knowledge, Skills and Abilities:

Ability to read and understand Business tax returns, Personal tax returns, and Financial Statements
Understanding of real estate trends and market conditions
High level of knowledge with Microsoft Word/Excel and Outlook
Ability to work closely with managers, lenders, staff and third-party vendors
Time management skills
Ability to multi-task

Education and Experience:

Bachelor’s degree in business, accounting, or finance
Prior banking experience, knowledge of Credit, Real Estate, and various business industries preferred but not required

Core Competencies for advancement:

Thorough understanding of financial analysis
Ability to analyze business and personal credit reports, verify Borrower background information, as well as perform market and industry research
Ability to adequately test covenants, assess debt service capacity and collateral coverage to ensure the proposed loans are in compliance with Loan Policy
Ability to re-affirm and or suggest changes to risk ratings of existing relationships
Ability to understand Borrowing Base Certificates and monitor lines of credit
Has completed numerous Annual Reviews including non-complex and complex relationships

Begun to have underwritten non-complex deals

Physical Demands and Work Environment

The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Physical Demands

While performing duties of this job, employee is occasionally required to stand; walk; sit; use hands, or feel objects, tools or controls; reach with hands and arms; speak clearly and hear efficiently. Employees much occasionally lift and/or move up to, or in excess of 10 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.

Work Environment

While performing the duties of this job, the employee is exposed to noise level in the work environment that may be excessive at times.

Travel

Ability to travel 10% or more of the time is required. Availability to travel on short notice to meet immediate business needs may be required.

Acknowledgment

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employee(s) will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments.

A review of this position has excluded the marginal functions of the position that are incidental to the performance of the fundamental job duties. All duties and responsibilities are essential job functions and requirements. To perform the job successfully, the incumbent(s) will possess the skills, aptitudes, and abilities to perform each duty proficiently. The requirements listed in this document are the minimum levels of knowledge, skills and abilities.

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POSITION TITLE: Credit Officer

LOCATION: 3 options

· (Amesbury, MA – Portsmouth, NH – Bedford, NH)

· HYBRID

· 100%REMOTE

DEPARTMENT: Reporting to Credit Team Lead

CLASSIFICATION: Exempt

Position Summary

Credit Officers coordinate the analytical and credit approval functions for the Bank’s larger and most complex credits with minimal supervision. They will have a thorough understanding of the Bank’s risk appetite and structuring deals. This position assists the lenders with the preparation and underwriting of C&I and commercial real estate loan proposal packages as well as analyzes business and personal financial statements to assess the credit worthiness of the Borrower and/or Guarantors. Credit Officers also act as a mentor for junior and senior analysts as well as more junior lenders. It is expected that the Credit Officers will take a pro-active approach in portfolio management as well as participate in projects to improve processes within the Bank.

Essential Duties and Responsibilities:

Complete tax return and financials spreads in Loan Vantage
Review business and personal credit bureaus
Perform annual reviews and/or renewals of commercial relationships and verify risk ratings
Prepare real estate evaluations
Review third party appraisal reports, environmental reports, business valuation reports, field exams prior to loan closing.
Underwrite commercial loan requests (C&I, CRE, Enterprise Value, and Renewable Energy) for new and existing Borrowers
Manage monitored lines of credit and review Borrowing Base and A/R aging to ensure funding is within approved guidelines
Attend customer site visits with lenders
Attend weekly Credit Committee and Loan Structure meetings and take minutes when required
Verify wires
Mentor junior and senior analysts
Maintain a high level of quality control and adhere to State, Federal and Bank regulatory and Loan Policy requirements
Demonstrate behaviors which are aligned with the Bank’s culture and core values

Essential Knowledge, Skills and Abilities:

Ability to read and understand Business tax returns, Personal tax returns, and Financial Statements
Understanding of real estate trends and market conditions
High level of knowledge with Microsoft Word/Excel and Outlook
Ability to work closely with managers, lenders, staff and third-party vendors
Ability to identify issues with Structure/signs of weakness in new and existing loan relationships
Time management skills
Multi-tasking

Education and Experience:

Minimum five years’ experience with commercial underwriting, including but not limited to CRE, C&I and cash flow deals
Bachelor’s degree in business or finance
Knowledge of Credit related laws
Knowledge of real estate market and trends
Knowledge of various business industries

Physical Demands and Work Environment

Physical Demands

Work Environment

While performing the duties of this job, the employee is exposed to noise level in the work environment that may be excessive at times.

Travel

Ability to travel 10% or more of the time is required. Availability to travel on short notice to meet immediate business needs may be required.

Acknowledgment

Our client, a $1Billion Community Bank, is looking to add a Loan Servicing Supervisor due to the growth they have been experiencing. The bank is looking for someone who is willing to go beyond the requirements of the position. The successful candidate will have a strong desire to improve our business and will demonstrate the initiative to become a part of our success. Through the ability to contribute positively to our team, the employee has the opportunity for growth within our company.

Essential Responsibilities:

Prepare loan documents for all loan types: secured and unsecured, commercial and consumer, including all renewals, extensions and modifications
Verify loans have been approved by an authorized party/committee
Process denied loan applications and prepare adverse action notices
Ensure loan documents are accurate and the Bank’s collateral is properly positioned and protected
Working knowledge of Bank Lending Policy and Federal Lending Regulations
Answer phone requests and inquiries promptly and professionally
Conduct loan fundings and forward documentation to loan servicing department for data entry
Review loan files after closing for completeness
Work with the loan coordinator/loan officer to get the loan to closing in a timely manner
Provide highest level of customer service while in a fast paced, deadline driven environment
Contact and coordinate with insurance and title companies
Support manager with projects as they arise

Preferred Education, Experience, Technical Knowledge and Skills:

2 to 4 years’ experience in loan operations: (Preferred)
Mortgage, FNMA, USDA, Commercial, and Consumer loans documentation: (Preferred)
Software Application Experience: (Preferred)
Fiserv Premier
Encompass and LaserPro
Microsoft Word, Excel and Outlook

AJ Consultants has been retained by Union Savings Bank in Danbury, CT to find their new Director of Payment Services. This position represents an opportunity for a forward thinking visionary to play an intricate part in the bank's growth strategy. The Director of Payment Services will manage a team of 2-5 direct reports and is responsible for creating and implementing the payments roadmap for the bank. To that end, this role will build collaborative partnerships essential to monetizing the payment stream and then drive additional revenue into the bank. Ideal candidates will possess a blend of strategic Operational, Product Management and Project Management experience in addition to experience with multi-channel payment services including credit cards, debit cards, cash management, ACH, DDA, HSA and other payment platforms offering real-time payment functionality.

Union Savings Bank is progressive and profitable $2.2Billon Bank with a commitment to providing innovative banking products and services while exceeding customer expectations. The bank is committed to their collaborative and inviting culture resulting in attracting the A-player talent needed to achieve their responsible growth and service goals.

Director of Payment Services

Job Description

CORE INFORMATION
Job Title:	Director of Payment Services

ORGANIZATION
Department:	Payment Services

Supervisory Responsibilities
This position manages people	# Direct Resources Managed	1-5


Level of Supervision Received
✓	Establishes personal standards of performance within broad framework of policy and objectives as set by Sr. Mgmt.

DESCRIPTION OF ESSENTIAL DUTIES AND RESPONSIBILITIES:
The Union Savings Bank Innovation Center is an integrated team that seeks to leverage creativity and innovation to deliver a customer-centric approach to financial services by fostering the convergence of perspectives, knowledge and insight through the sharing of ideas within a collaborative environment. The Innovation Center's Director of Payment Services is responsible for the development, management and revenue stream of payment products, including credit cards, debit cards, cash management, ACH, DDA, savings and health savings accounts.

Essential Job Duties
Payment Services Strategy	Establish the bank’s overall Payment Services strategy in collaboration with Executive Management; provide strategic direction and oversight, including development of short-and long-term plans, strategies and policies for deposit products, credit cards, debit cards, cash management and emerging payment services as they develop. Develop, implement and manage Payment Services Business Plan and budget. Monitor developing trends and products within the Payment Industry as well as changes within the competitive marketplace to ensure the bank maintains its competitive position.
Product Management & Development	Provide product management oversight for consumer and business checking, savings and health savings accounts (HSAs) to include evaluation of products, services, market area definition, targeted customer segments and recommend modifications in design, delivery and pricing. Oversee formulation of comprehensive strategies for all checking and HSA products through entire product lifecycle. Ensure new product business cases are developed and subsequent tracking and trend analyses are performed by the Product Managers. Provide oversight for new product roll-outs and existing product revisions. Effectively utilize the Business Intelligence team and CRM Manager to gain insights into account, product, customer and market trends to inform product and payment services strategies and tactics. Collaborate with the Marketing Department, Digital Channel Manager and internal business units to promote and communicate deposit products and payment services. Track revenue impact of payment services as part of annual budget process. Understand cost structure (contract terms), and product financials, including revenue impact and product profitability. Support the business lines by providing insight into deposit related trends for budgeting.

Keep abreast of regulatory environment and ensure Product Managers develop and maintain products and services in accordance with regulatory guidelines and which are compliant with disclosure requirements..
Responsible for managing the vendor relationship, including all vendor management responsibilities, for cash management and ACH services.(FIS)
Provide oversight for the vendor relationship for credit (Elan) and debit (FIS/Visa) cards.

Human Resources

Motivate personnel and promote workplace enthusiasm; provide opportunities for professional growth through education and training; provide tools/skills necessary for employee growth.
Perform and manage HR processes and related functions pertaining to direct reports (performance/incentive/introductory period reviews, recruitment, career development, training/coaching, disciplinary/corrective actions, etc.).

Additional Job Duties

Serve as member of ALCO, Project Management, Compliance and Operational Risk Committee, Debit Card Response Team. Perform related duties as required.

Required (for all Jobs)

Must maintain thorough knowledge of and comply with all applicable laws and regulations, including BSA/AML and Privacyrequirements, as set forth in the Bank’s policies, procedures, and programs.

This position requires consistent regular attendance.

SKILLS
Required Skills
Communication and Interpersonal Skills:	Must communicate effectively using all mediums including but not limited to dealing with customers, clients, and employees on the telephone, in person, and in writing. Ability to speak effectively in one-on-one or small group situations. Strong customer service skills required
Computer Skills:	Microsoft Office. Must be able to learn and work with any job relevant or industry specific software programs employed by the bank. List any specific software/computer skill requirements utilizing the "Other" field.
Organizational Skills:	Ability to work in a fast-paced environment with ability to juggle multiple projects and/or tasks while maintaining accuracy to the highest level. Ability to meet deadlines and prioritize workflow. Strong attention to detail and task oriented. Uses time efficiently.
Problem Solving Skills:	Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving concrete variables in standardized situations.
Team Player:	Ability to work well in a team-oriented environment.

Additional Skills
Skill/Ability	Description	Proficiency
Analytical & Reasoning Skills: Ability to define problems, collect data, establish facts and draw valid conclusions. Ability to interpret an extensive variety of instructions and deal with several abstract and concrete variables.	Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.	Advanced
Product Knowledge: Ability and interest in continually improving knowledge and understanding of bank products and services.	Subject matter expert for cash-management, card management, checking and related products; working knowledge of other bank products to permit identification of cross-sell opportunities.	Advanced
Independent Judgment: Ability to work independently, without specific instruction, in a self-reliant manner. Exhibits sound and accurate judgment and makes timely decisions.	Must be able to work independently and speak clearly and concisely. Must be highly organized and good at multi- tasking..	Intermediate

Other:	Knowledgeable in Outlook, Word, Excel, FIS systems. End User knowledge desirable. Must be able to learn any new systems the department implements.	Intermediate
Written Communication: Ability to write business correspondence (list any specific requirements).	Must have ability to communicate effectively using all mediums including the ability to effectively present information and respond to questions from employees and customers.	Intermediate

Required Leadership and Management Skills
✓	Must follow, support and implement Bank Quality Service Standards.
✓	Must be able to serve as a role model by exhibiting professionalism, observing confidentiality, promoting service awareness, being operationally sound, and possessing strong leadership and teamwork skills.
✓	Must be able to communicate and provide consistent support of the strategic goals of the Bank.


Additional Leadership and Management Skills
Skill/Ability	Description	Proficiency
Must be able to promote effective communication between the branches and internal service partners.	Must be able to provide and ensure common and consistent communication messages to staff, which support the strategic goals of the Bank.	Intermediate
Must have strong HR management skills, proficient in all aspects of human resource performance management such as: performance appraisals, job performance documentation, disciplinary actions, career development, interviewing, etc.		Intermediate
Other:	Must be able to focus and work independently within a highly collaborative environment that requires strong communication skills, detail orientation and organizational skills. Must be able to work on multiple projects simultaneously.	Intermediate
Other:	Must be able to serve as a role model by exhibiting professionalism, observing confidentiality and possessing strong leadership and teamwork skills.	Intermediate

PHYSICAL & MENTAL DEMANDS / WORKING CONDITIONS
Physical and Mental Demands
	Physical Demands		Additional Details
✓	Must be able to be sedentary for extended periods of time.
✓	Must be able to lift and/or move:	Up to 10 lbs
✓	Must be able to focus and not be easily distracted.
✓	Must be able to travel offsite to different locations.
✓	Must be flexible in working hours for business needs and/or to attend Bank functions and events.
✓	Must be able to drive and maintain vehicle. Must have a validdriver’s license and possess a clean driving record.


Working Conditions
	Working Conditions	Additional Details
✓	Busy office environment with moderate noise: computers, printers, phones, and customer traffic.

QUALIFICATIONS

Licenses and Certifications
Other:	Certification in Product Management Methodology e.g. Agile Development	Preferred


Education
4 Year / Bachelors Degree or equivalent work experience		Required


Experience
7-10 years	banking or financial services experience	Required
5-7 years	product management experience	Required

This position description is not intended to be a complete list of all responsibilities, duties or skills required for the job and is subject to review and change at any time, with or without notice, in accordance with the needs of Union Savings Bank. Since no position description can detail all the duties and responsibilities that may be required from time to time in the performance of a job, duties and responsibilities that may be inherent in a job, reasonably required for its performance, or required due to the changing nature ofthe job shall also be considered part of the job holder’s responsibility.

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => (570) 714-3112 [ContactEmail] => bberrettini@ajconsultantsllc.com [DatePosted] => 2019-12-10T10:38:07 [City] => Danbury [State] => CT [PostalCode] => 06810 [Country] => [Status] => Filled [ContactId] => [MinSalary] => [ShowOnWeb] => [PositionId] => EB-1118812987 [LastActivity] => 2022-01-19T17:52:13 [LastModified] => 2022-01-19T17:52:13 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [98] => stdClass Object ( [JobId] => 168865179849571 [CompanyId] => 167626840772282 [CompanyName] => Bank of Washington [Industry] => [JobType] => FullTimeRegular [JobTitle] => Credit Analyst [DegreeRequired] => [JobDescription] =>

Our client, a $1Billion Community Bank, is looking to add a credit analyst to their growing team. This position is open due to growth and will be working closely with Credit Department, Loan Operations, and Loan Officers, to determine the creditworthiness and risk profile of an individual or business by analyzing financial data. Interpreting financial statements and maintaining accuracy is vital to high performance.

General Description:

Spread financial statements; prepare narrative summary and financial projections.
Prepare financial analyses, summaries, and opinions for loan officers on new, renewal and existing loans.
Monitor customer information files to ensure current reports, statements, tax returns and other information are present on a regular basis.
Gather/analyze financial data with business and personal financial statements and tax returns.
Assist relationship managers in underwriting new loan requests and renewals.

Basic Qualifications:

Bachelor’s degree in Business Administration/Accounting/Finance.
Bank credit experience preferred or similar experience.
Knowledge of personal/business financial statements and tax returns.
Experience with Baker Hill, Sageworks, Credit Quest or similar financial statement analysis software, as well as workflow and customer relationship management software is preferred.

AJ Consultants has been retained by Dedham Savings Bank (1.4B mutual bank) to help fill a Commercial Real Estate Lending position due to an approaching retirement. Under the direction of the SVP, Commercial Lending Team Leader. This position will be responsible for hunting and closing targeted Commercial Real Estate deals for the bank.

The ideal candidate has at least ten years of business development experience and strong credit skills with the ability to analyze and underwrite their own deals. The bank has a talented credit department which performs the bulk of the underwriting, but a lender with these skills typically can identify Class A deals on their own. Of course, this improves market efficiency and everyone in the organization benefits.

Our targeted candidates will be producing roughly $20MM in net new loans annually with a focus on traditional self-sourced CRE deals like office space, mixed-use, industrial, apartment buildings, etc. Some construction/development loans are "OK", but they should not compromise the bulk of the lender's annual production.

Compensation includes attractive base and performance/profitability based incentive. The bank offers a 401K PLUS a lucrative pension plan.

If you don't know Dedham Savings, they are a true community bank with deep roots in Northern Norfolk County and Suffolk County. We partnered with Dedham Savings a few years ago and have placed a number of talents at this bank who are flourishing. What makes the bank so rare is the culture. Culture, culture, culture. This is all you hear these days and it's typically a selling point, but these are not just words at Dedham Savings. It is common for employees to stay 20-30 years for a number of reasons I will eventually share with you.

If interested, please contact B.J. Berrettini at 570-714-3112 or bberrettini@ajconsultantsllc.com

AJ Consultants has been retained by The Peoples Bank to find their next CEO. Founded in 1910, The Peoples Bank has served Kent, Queen Anne’s and Talbot Counties as well as the Eastern Shore. The bank has a consistent history of outstanding service and multi-generation relationships. The Peoples Bank continues to build on the traditions of the past, while focusing on growth within the present.

Overview

To thrive as CEO you must be a prudent manager and an inspiring leader. The ideal candidate will have a business mindset and will be able to see the “big picture” in a variety of settings. They will take actions to enhance the Company’s cash flow while keeping the human factor in perspective. Developing high quality business strategies and plans ensuring their alignment with short-term and long-term objectives. Leading and motivating subordinates to advance employee engagement to develop a high performing managerial team. Overseeing all operations and business activities to ensure they produce the desired results and are consistent with the Company’s overall strategy and mission. The goal is to drive the Company’s development and guide it towards long-term success.

The position of Chief Executive Officer is responsible for the supervision of the CFO, CLO, CCO, COO, HRO and Insurance Agency subsidiary and will carry out supervisory responsibilities in accordance with the Bank's policies and applicable laws, ensuring adherence to EEO guidelines.

Primary Responsibilities

· Primarily responsible for the profitability, balance sheet and performance of the bank

· Overall responsibility for sales management and leadership

· Overall responsible for customer standards and delivery

· Works closely with Directors Loan Committee

· Works closely with CFO to monitor asset liability management, interest rate risk mitigation and liquidity

· Actively involved with banks board of directors

· Participates in professional community organizations and projects while building trust with key partners in the community

· Primary responsible for all regulatory rating and conformance with best practices

· Must work to protect and enhance shareholder value

· Analyze problematic situations and occurrences and provide solutions to ensure company survival and growth

Some Key Qualifications

· Experience developing and implementing profitable strategies and vision

· Excellent communication skills

· Credit Capacity as defined by assigned loan authority/lending limits

· Ability to deal with difficult problems

· At least 10+ years in a banking related position of authority. With significant broad senior level bank management experience with record achievements

· Commercial Lending experience

· Participation in bank wide enterprise risk management, operations, compliance and information tech.

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AJ Consultants has been retained by Fidelity Bank, a $1.2B mutual bank headquartered in Leominster, MA to find their new SVP, Chief Commercial Banking Officer. Reporting to the COO, the CCBO will be responsible for the bank's entire Commercial Banking vertical. Supported by a very talented and respected Senior Credit Officer, the CCBO maintains oversight of both Lending and Credit at Fidelity Bank. Leading ten(10) direct reports with responsibility for (18)eighteen total team members, the CCBO will be charged with continuing to build the Bank's well diversified C&I, CRE and Construction lending portfolios while maintaining strong asset quality, core deposits and core earnings.

The Executive Team is fully committed to their mutual bank culture and their ‘Life Design’ approach, which deepens employee, customer and community relationships. Their mission is clearly laid out and being executed with precision and this position will play a strategic role in new departmental and organizational growth.

The executive compensation package includes a highly competitive base, performance bonus, SERP and excellent benefits.

To schedule an exploratory conversation, please contact:

B.J. Berrettini

570-714-3112 or bberrettini@ajconsultantsllc.com

FIDELITY BANK

JOB DESCRIPTION

SVP – Chief Commercial Banking Officer

Department: Commercial Banking
Reports To: President, COO
Date: September 2020

About Fidelity Bank:

Founded in 1888, Fidelity Bank is one of the strongest independent community banks in Central and Eastern Massachusetts. Fidelity Bank’s unique LifeDesign approach to banking provides the care and clarity needed to make informed decisions with confidence. The Bank offers a range of personal and business banking solutions to clients in 14 full-service offices in Leominster, Worcester, Fitchburg, Needham, Gardner, Stow, Shirley, Barre, Millbury, Paxton, Princeton, and Winchendon. Fidelity Bank has been voted Worcester Telegram & Gazette Best Bank in Central Massachusetts and Best Financial Services, Best Bank by both Leominster Champion and Baystate Parent, and it has been recognized by the Worcester Business Journal as a Top Workplace. In 2019 Fidelity Bank was named to the Boston Globe’s Top Places to Work list for the fifth time. As of June 30, 2020, the bank had total assets of approximately $1.15 billion. For more information, visit www.fidelitybankonline.com or www.facebook.com/fidelitybankma

Position Summary:

As the Head of Commercial Banking, this professional will be charged with continuing to build the Bank’s well-diversified C&I, Commercial Real Estate, and Construction lending portfolios. The SVP may also oversee the Bank’s Cash Management business. This includes continuing to grow the Bank’s Commercial portfolio at an above-average rate while maintaining strong asset quality, core deposits, and core earnings.

Primary Duties:

Leadership/Management:

Actively participate as a member of executive management. Maintain strong working relationships by fostering teamwork and mutual trust.
Demonstrate commitment to continuous improvement.
Collaborate with the entire leadership team to provide guidance on strategic and operational objectives and in developing short and long-range plans, strategies, and policies.
Oversee all commercial banking activities, including C&I, Commercial Real Estate, Construction, Small Business, Municipal, and SBA lending. Mentor, coach, and continue to build a team of approximately 15 lending, credit, and cash management professionals.
Continually strive to improve core-banking performance, including productivity, operational efficiency, increased market share and earnings, and increased products and services per customer. Take responsibility for the Division’s P&L and Balance Sheet.
Foster a team-oriented environment. Serve as a positive role model and leader in the organization, maintaining an executive presence aligned with LifeDesign approach and the Servant Leadership principles.
Maintain a high level of managerial competence, technical proficiency, and professionalism. Consistently demonstrate a high degree of energy and enthusiasm in executing goals/objectives.
Develop a disciplined plan for where the growth will come from and what infrastructure/systems will be needed to support the expansion.
Continually monitor the effectiveness of the existing lending organizational structure. Develop and recommend the Division’s plan of organization and staffing. Assess HR needs and spearhead the hiring of top caliber lenders to expand the team.
Recruit, hire and provide for the continued development of team members. Conduct periodic performance reviews and provide guidance/direction in developing and implementing plans and objectives. Act as a mentor to less experienced staff by assisting in their ongoing professional development.
Serve on various committees including Management Loan Committee, ALCO, Watched Asset Committee, and Management Risk/Audit Committee. Attend all Security Committee and present when appropriate.

Business Development/ Marketing:

Manage the team of Relationship Managers to achieve budgeted growth goals, including calling and business development goals, customer acquisition, growth, and retention programs.
Instill a proactive and entrepreneurial business development effort combined with a consultative focus on finding creative solutions to client needs.
Embrace and help lead commercial sales effort consistent with the Bank’s systematized LifeDesign CARE process and approach
Continue the Bank’s long-term track record of successfully generating above average growth while making asset quality and pricing decisions consistent with the Bank’s LifeDesign approach (versus “giving away” price and structure).
Maximize the Bank’s profitability through the appropriate pricing of new loan originations, fee income, and selling of all the Bank’s products and services.
Interact with customers regularly to promote goodwill, obtain feedback, and resolve problems not satisfactorily addressed by others.
Maintain a public profile in the marketplace to promote the Bank and refer sales opportunities to other business units in support of established objectives.
Develop new business by supporting the lending organization and regularly meeting with clients, prospects, and COI’s.
Actively network and stay abreast of competition and share “market intelligence”, discuss current projects and new business opportunities, and provide team an update on bank-wide issues.
Collaborate with operations, technology, and the lab to support new commercial product selection, implementation, and continuous process improvement.
Stay abreast of industry trends and identify opportunities for product development.

Credit/Portfolio Administration/Regulatory:

Work collaboratively with the lending team to ensure the Bank continues to expand and effectively monitors a profitable, sound loan portfolio. Ensure transparency and a strong partnership with Executive Management, Board, and the regulators so that there are no surprises.
Demonstrate excellent credit skills and superior judgment in evaluating potential or existing credits. Act as the senior commercial risk officer for all aspects of credit quality.
Serve as a value-added sounding board for an experienced team of lenders. Assist lenders in enhancing their credit underwriting, portfolio monitoring, and relationship management skills. Where appropriate, provide guidance on more complex credit requests to ensure proper structures, term sheets, and loan documentation are used.
Oversee the Credit process that includes involvement with the development, implementation and dissemination of credit policy, involvement in loan approval for all portfolio loans, ongoing portfolio review, oversight of selective problem loan management, and ensures that direct reports provide key regulatory and management information.
Regularly review cash flow projections with the Chief Financial Officer to determine cash needs to meet loan demand, excess cash for investment, and borrowing requirements.
As the Head of Commercial Banking, continue to lead and embrace the Bank’s commitment to developing/maintaining best in class Risk Audit and Compliance Management Systems.
Ensure the department is in compliance with established Bank policies, procedures, and state & federal regulations.

Community/Industry Involvement:

Be an engaged and highly visible “face” of the Bank – be a leader and demonstrate a passion for the organization and its mission.
Embrace the Bank’s LifeDesign CARE process and approach
Represent the Bank in the community, through various community events and through charitable board work. Enhance and maintain relations with customers, COI’s, civic organizations, and the general public.
Be active in banking industry organizations and programs to establish a resource network of other bankers.
Remain cognizant of trends and developments affecting the industry and the Bank.
Play a leadership role in delivering on a CRA plan that helps the Bank achieve an outstanding CRA rating.

Management's Definition of Success for an Outstanding Performer:

This professional must fit culturally with the management team and the entire organization. Have an impeccable professional reputation and the highest level of integrity and authenticity.
This professional must embrace and support LifeDesign and continuous improvement
Drive loan growth with an emphasis on a balanced portfolio that includes a robust C&I portfolio. Build the balance sheet with solid credits and add quality lenders to support the projected loan growth.
Possess intelligence and a good sense of humor. Listen and “check your ego at the door” as this is a team-oriented environment that is focused on doing what is best for the customer.
Bring outstanding leadership, interpersonal skills, and a collaborative style with the ability to build rapport and partner effectively with a wide variety of people at all levels (e.g. directors, employees, clients, and regulators). This includes the presence, poise, and gravitas to gain credibility and proactively keep them well informed and involved.
Drive strategic alignment that is focused on continuous improvement, working cross-functionally, and preventing silos.
Have a strong credit orientation and attention to detail to ensure excellent asset quality and sound portfolio management are maintained.
Demonstrate motivation, a strong work ethic, and a passion for having an impact on clients and the community.
The SVP will have seamlessly transitioned into this new role while keeping the current team and client base intact.Demonstrate strong mentoring/coaching skills to develop the next generation of lenders.
Embrace the Bank’s culture and LifeDesign approach. Quickly and fully integrate into the local business community.
Be customer-focused, entrepreneurial, and goal-oriented. Have a personality that will instill enthusiasm, confidence, and innovation.
Demonstrate an ability to make tough decisions, even when unpopular.

Job Qualifications:

A solid commercial lending performance record in leadership, business development, sales management, credit, and relationship management.
Solid credit skills and proficiency with C&I, commercial real estate, and construction lending.
Prior management experience and a track record of community involvement are preferred.
Experience effectively partnering with regulators, examiners, and/or auditors.
Knowledge and understanding of all compliance related regulatory and internal policies that guide commercial lending activity.
Solid written/oral communication and decision-making skills are important.
A minimum of 15 years or equivalent of commercial lending experience.
Bachelor’s degree required; MBA preferred.

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Title: Chief Credit Officer

Reports to: Chief Commercial Banking Officer – Primary

President & CEO - Secondary

AJ Consultants has been retained by South Shore Bank, South Weymouth, MA to find their new Chief Credit Officer. Reporting to and partnering with the Chief Commercial Banking Officer, this role is responsible for the oversight of the bank’s commercial loan portfolio including credit analysis, underwriting, risk management, credit administration and loan documentation. This is a critical executive role that will help shape the course of the South Shore Bank’s Commercial Lending strategies. While the bank maintains a robust appetite for Commercial Real Estate business, ideal candidates must have a strong working knowledge of Commercial & Industrial Lending.

South Shore Bank is a growing $1.9 Billion mutual bank dedicated to providing trusted financial solutions to help people and businesses reach their goals. The bank’s culture is collaborative, transparent, inviting and dedicated to excellence in serving both bank clients and employees alike.

For additional information and/or to discuss the opportunity, please contact:

B.J. Berrettini, New England Recruiting Manager
bberrettini@ajconsultantsllc.com
Work# 570-714-3112

Chief Credit Officer

Job Description

Department: Credit Department

Reports To: Chief Commercial Banking Officer - Directly President/CEO - Indirectly

POSITION SUMMARY

This position is responsible for overseeing the bank’s loan portfolios as to risk management loan considerations to maintain quality control and to minimize losses. Position is responsible for establishing and maintaining a strong credit culture in the Bank. Develops and recommends loan policy, credit risk review policies, procedures, and management reporting. Position is responsible to ensure that all commercial loans are underwritten and documented in accordance with Board of Directors approved policies and procedures and provides consultative services in this regard to the Residential and Consumer Divisions. Position is responsible for overseeing the workout of problem loans once assigned. Ensuring appropriate reporting and monitoring of key metrics. Such as missing documents, past due annual reviews, covenant compliance, etc.

Oversees Credit Department staff, which provides administration and underwriting/financial analyses for the Commercial and Small Business Lending Divisions along with consumer underwriting support for the Bank. Monitors credit quality and provides/coordinates periodic credit reviews of commercial loans, including review for adherence to Credit Policy and documentation adequacy. In conjunction with the CCB, manages, updates and interprets Credit Policy and has responsibility for appraisal and hazardous waste inspection order/review for Commercial Lending. Chairs Loan Approval Committee and Credit Resolution meetings and ensures the recordation of all appropriate votes and attendant minutes. Position responsible for the workout of any residential, small business or commercial loans specifically assigned.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

Oversees the management of the overall commercial loan credit administration functions including the Credit Department, credit analysis, credit policy, portfolio analysis, stress testing and loan documentation functions.
Ensures appropriate training and development of all Credit Department management and staff to ensure continued performance proficiency, and to improve and expand their skills and capabilities.
Ensures compliance with approved Commercial Lending Credit Policy and the reporting and tracking of any such policy exceptions. Coordinates the development of revisions to credit policies, procedures, and agreements to ensure compliance with legal and regulatory issues.
Ensures the independent underwriting and/or review of all loans submitted to the bank’s Loan Approval Committee.
Provides advice and guidance to both commercial and residential/consumer lending management. Consults with commercial lending management and commercial lenders on complex or unusual loan relationships
Responsible for the oversight of management of problem loans transferred from any lending function, including residential, commercial and small business.
Evaluates the commercial loan portfolio and analyzes any developing trends or issues. Monitors portfolio delinquency and adversely rated loans and ensures they are being attended to by relationship officers and are reported to Senior Management.
Ensures the accuracy of the commercial loan risk ratings.
Oversees the on-going administration of the commercial lending policies ensuring the completeness and accuracy of the loan credit files, the timely documentation of such files including financial statements and loan officer comments, and ensuring the effectiveness of the credit analysis on all loans as applicable.
Actively manages or oversees the management of all commercial and small business loan workouts
Works closely with lenders to gain optimum repayment terms and conditions, collateral coverage and monitoring, recourse positions and covenant terms for new or modified loans.
Keeps Management and the Board informed of any material considerations affecting the commercial loan portfolio, loan policy, loan concentrations and any unusual individual loan transactions of material size.
Serves as the primary contact in commercial lending for all loan review, audit, and regulatory examinations and coordinates with the bank’s Risk Manager regarding examination of lending practices and lending regulations.
In conjunction with the Chief Financial Officer, provides input into the development and maintenance of the Allowance for Loan and Lease Losses
Makes presentations to senior management and to the Board of Directors on the commercial loan portfolio, lending activity, and problem loans.
Chairs and participates in the weekly Loan Approval Committee as a voting member. Oversees the timely preparation and distribution of LAC packages.
In conjunction with lending staff, ensures compliance with the approved Commercial Credit Policy, maintains a list of approved exceptions to the Commercial Credit Policy and recommends interim changes to the Commercial Credit Policy to the Board of Directors.
Verifies risk rating accuracy and recommends/identifies Watch List/Impairment candidates. Coordinates the responses to and the implementation of corrective actions for the risk rating variances and procedural and administrative issues noted in the Credit and Loan Review processes.
Supervises the preparation and presentation to the Board of Directors of periodic commercial loan reports such as:Concentration of Credit Report, Watch List, Grading Report, Loan Policy Exception Report, Loans in Excess of Supervisory Limits, Loan Covenant Waivers, and periodic/scheduled Risk Assessments of discrete portfolio segments. Develops and presents additional reports as recommended. Assists in tracking and monitoring of borrower's compliance to all financial and administrative covenants and supervises the identification and reporting of commercial loans and commercial real estate loans for CRA reporting.
Supervises the review of lender credit request summaries and the preparation of Credit Department comments. Responsible for the ordering and review of real estate appraisals and hazardous waste inspections. Assists Commercial Lending with respect to the identification of policy and legal issues during credit presentation summary preparation.
Maintains an awareness of laws and regulations affecting the department and/or areas of responsibility.
Serves as an Administrator for the programs, including maintenance and training.
Serves as a coordinator for implementation of a new Loan Origination System and when installed, it’s administration and training for Credit Department staff.
Serves as an Administrator for the Moody's FA financial statement analysis software, including maintenance and training.
Supervises and coordinates training for the Commercial Loan Department inclusive of the Commercial Loan Trainee Program.
Oversees the management and maintenance of the credit files for the commercial loan and commercial real estate portfolios.
Assists Commercial Lending in the development and collection of industry data from various sources.
Acts as liaison/coordinator for various regulatory, internal and external audit, and external loan review examinations
Maintains and monitors Approved Attorney, Appraiser, and Environmental Waste inspector Lists.
Maintains and monitors Approved Lending Authorities with Commercial Credit Policy.
Attends various appropriate courses, seminars and conferences as pertain to credit, lending, fraud, appraisals, and hazardous waste.
Provides a consistently superior level of service to staff and customers, ensuring that specific requests from all sources are processed efficiently and expediently.
Consistently sells the culture, image, products and services of the bank in the community.

SECONDARY DUTIES

Assumes additional responsibilities as requested.

SUPERVISORY RESPONSIBILITIES

Credit Department Manager – Directly
6-8 Credit Department FTE (Analysts, Assistants, Management Trainees) - Indirectly

QUALIFICATIONS

EDUCATION and/or EXPERIENCE

Bachelor’s degree from 4-year college and 10-15 years of progressively more responsible experience in credit policy, credit analysis, regulatory practice, commercial lending, loan portfolio management, and loan workouts. Must be computer literate and have good analytical and presentation skills. Formal credit training or certification is required. Must have previous experience managing employees.

LANGUAGE SKILLS

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

REASONING ABILITY

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

PHYSICAL DEMANDS

While performing the duties of this Job, the employee is regularly required to sit and talk or hear. The employee is occasionally required to stand; walk; use sufficient hand, arm and finger dexterity or feel objects, tools or controls. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT

While performing the duties of this job, the employee is occasionally exposed to wet and/or humid conditions, moving mechanical parts, and outside weather conditions. The noise level in the work environment is usually moderate

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2021-05-07T12:22:55 [City] => South Weymouth [State] => MA [PostalCode] => 02190 [Country] => [Status] => Filled [ContactId] => 255656837727010 [MinSalary] => [ShowOnWeb] => [PositionId] => EB-6387789880 [LastActivity] => 2021-08-12T15:51:04 [LastModified] => 2021-08-12T15:51:04 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [105] => stdClass Object ( [JobId] => 117469240710312 [CompanyId] => 112844424131538 [CompanyName] => Bank of Franklin County [Industry] => [JobType] => FullTimeRegular [JobTitle] => Commercial Lender [DegreeRequired] => [JobDescription] =>

Our client, a $400Million Community Bank, is seeking a commercial lender to focus on expanding their brand in St. Charles, Missouri. The bank opened their 5th branch location in the area a couple of years ago and plan on opening another one in the near future. This individual will be responsible for producing $10MM in new loans per year. The focus will be primarily on C&I with some CRE and SBA. The bank has been in business since 2000 and continues to view the St. Charles market as a big growth opportunity.

For more information please contact Austin Ressler at 207-298-9746 or aressler@ajconsultantsllc.com

[Specialty] => [MaxSalary] => [ContactName] => Bob Dobsch [ContactPhone] => (636) 239-6600 [ContactEmail] => bob@bankfc.com [DatePosted] => 2021-07-06T11:17:02 [City] => O'Fallon [State] => MO [PostalCode] => [Country] => [Status] => Filled [ContactId] => 932685919761970 [MinSalary] => [ShowOnWeb] => 1 [PositionId] => EB-4736772985 [LastActivity] => 2021-07-29T11:46:31 [LastModified] => 2021-07-29T11:46:41 [UserName] => AR [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [106] => stdClass Object ( [JobId] => 312412045295556 [CompanyId] => 167626840772282 [CompanyName] => Bank of Washington [Industry] => [JobType] => FullTimeRegular [JobTitle] => Loan Documenter [DegreeRequired] => [JobDescription] =>

AJ Consultants has been retained by the Bank of Washington to find their next Loan Documenter. Founded in 1877, the Bank of Washington has served Franklin County and the surrounding areas for over a century. They have had the advantage of being the first to offer some top-notch products and services to the community. The bank has a history of outstanding service where they truly care about their customers and the community. They are led by the third generation of the Eckelkamp family where they continue to build on their longstanding traditions.

We are seeking a motivated Loan Documenter candidate who is willing to learn and go beyond the requirements of the position. The successful candidate will have a strong desire to improve our business and will demonstrate the initiative to become a part of our success. Through the ability to contribute positively to our team, the employee has the opportunity for growth within our company.

Essential Responsibilities:

Prepare loan documents for all loan types: secured and unsecured, commercial and consumer, including all renewals, extensions and modifications
Verify loans have been approved by an authorized party/committee
Process denied loan applications and prepare adverse action notices
Ensure loan documents are accurate and the Bank’s collateral is properly positioned and protected
Working knowledge of Bank Lending Policy and Federal Lending Regulations
Answer phone requests and inquiries promptly and professionally
Conduct loan fundings and forward documentation to loan servicing department for data entry
Review loan files after closing for completeness
Work with the loan coordinator/loan officer to get the loan to closing in a timely manner
Provide highest level of customer service while in a fast paced, deadline driven environment
Contact and coordinate with insurance and title companies
Support manager with projects as they arise

Preferred Education, Experience, Technical Knowledge and Skills:

2 to 4 years’ experience in loan operations: (Preferred)
Mortgage, FNMA, USDA, Commercial, and Consumer loans documentation: (Preferred)
Software Application Experience: (Preferred)
Fiserv Premier
Encompass and LaserPro
Microsoft Word, Excel and Outlook

Our client, a $7Billion Commercial Bank is seeking a Senior Commercial Lender to focus on middle market lending in Southern California. The bank is one of the largest family owned banks in the country serving communities in St. Louis, Southern Illinois, and California. They offer a full complement of business and consumer products and services to consumers, small business, and middle market commercial customers. They also offer the product depth of a national brand and the personalized attention that only a community bank can provide. The position reports to a Commercial Lending expert with over 30 years of experience in Commercial Lending and Corporate Finance. The position is focused in the Los Angeles area on sales revenues between $10MM-$250MM and credits between $2MM-$30MM.

Compensation includes a competitive base salary and an aggressive incentive plan.

For more information please contact Austin Ressler at 207-298-9746 or aressler@ajconsultantsllc.com

[Specialty] => [MaxSalary] => [ContactName] => Demond Buckley [ContactPhone] => (314) 592-6811 [ContactEmail] => demond.buckley@fbol.com [DatePosted] => 2021-03-30T16:22:51 [City] => Newport Beach [State] => CA [PostalCode] => 92657 [Country] => [Status] => Closed [ContactId] => 199515702965034 [MinSalary] => [ShowOnWeb] => 1 [PositionId] => EB-1035883283 [LastActivity] => 2021-07-06T10:05:27 [LastModified] => 2021-07-06T10:05:27 [UserName] => AR [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [109] => stdClass Object ( [JobId] => 144315861112608 [CompanyId] => 618215052537641 [CompanyName] => Busey Bank [Industry] => [JobType] => FullTimeRegular [JobTitle] => Mortgage Underwriter [DegreeRequired] => [JobDescription] => Our client, a $10Billion Regional Bank, is looking for 2 mortgage underwriters to join their growing team. This position will be remote and will be responsible for underwriting loans (FHA, VA, USDA, Fannie and Freddie) up to $600M. The bank would ideally like someone with a DE or SAR but it is not required.

For more information please reach out to Austin Ressler at aressler@ajconsultantsllc.com or (207) 298-9746. [Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2021-01-07T08:50:04 [City] => Remote [State] => [PostalCode] => [Country] => [Status] => Closed [ContactId] => 514643363301678 [MinSalary] => [ShowOnWeb] => 1 [PositionId] => EB-1515610534 [LastActivity] => 2021-07-06T10:04:07 [LastModified] => 2021-07-06T10:04:07 [UserName] => AR [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [110] => stdClass Object ( [JobId] => 603342314475473 [CompanyId] => 167626840772282 [CompanyName] => Bank of Washington [Industry] => [JobType] => FullTimeRegular [JobTitle] => Commercial Lending Officer [DegreeRequired] => [JobDescription] =>

AJ Consultants has been retained by the Bank of Washington to find their next Commercial Lending Officer. Founded in 1877, the Bank of Washington has served Franklin County and the surrounding areas for over a century. They have had the advantage of being the first to offer some top-notch products and services to the community. The bank has a history of outstanding service where they truly care about their customers and the community. They are led by the third generation of the Eckelkamp family where they continue to build on their longstanding traditions.

We are seeking a motivated Commercial Loan Officer to develop and support the lending activities of the bank. The ideal candidate will possess prior commercial lending experience, a strong credit/risk management background, a record of successful business development, a desire for continued professional development, and strong teamwork and communication skills. Bank of Washington maintains high expectations of core values, positive attitude, and character in all our employees.

Essential Responsibilities:

Identifies, engages, and develops new markets and expand lending opportunities.
Builds relationships, working within the prescribed framework of bank policies and procedures, to offer flexible and competitive financial solutions including business loans, lines of credit, SBA loans, deposits, and other business products.
Gathers the vital business, financial, and personal background information from potential borrowers.
Reviews loan requests, credit history, and financial statements to perform a detailed analysis to determine whether proposed applications meet lending criteria.
Prepares proposed credit memos, including recommendations for loan pricing and terms, and receive concurrence from the credit approving officer/s prior to proceeding with in-depth client negotiations.
Monitors loan portfolio, communicating directly with borrowers, to ensure that all required financial exhibit due dates are monitored and received from customers in a timely manner.
Maintains the credit quality of their individual portfolio within bank standards and guidelines; promptly surfaces all risk issues uncovered over the course of managing the portfolio.
Actively participates in the local and business community at large.

Preferred Education, Experience, Technical Knowledge and Skills:

Bachelor's Degree
Commercial Lending: (Preferred)
Outside Sales: (Preferred)
Financial Services: (Preferred)

Compliance:

Employee is responsible and accountable for the establishment and following of procedures to ensure compliance with all applicable regulatory rules and regulations.
Bank of Washington will reasonably accommodate qualified individuals with a disability so that they can perform the essential functions of a job.

Compensation includes a competitive base salary and an aggressive incentive plan.

For more information please contact Austin Ressler at 207-298-9746 or aressler@ajconsultantsllc.com

[Specialty] => [MaxSalary] => [ContactName] => Demond Buckley [ContactPhone] => (314) 592-6811 [ContactEmail] => demond.buckley@fbol.com [DatePosted] => 2021-04-16T16:55:57 [City] => St. Louis [State] => MO [PostalCode] => [Country] => [Status] => Filled [ContactId] => 199515702965034 [MinSalary] => [ShowOnWeb] => 1 [PositionId] => EB-1095579757 [LastActivity] => 2021-07-06T10:05:04 [LastModified] => 2021-04-16T16:57:47 [UserName] => AR [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [113] => stdClass Object ( [JobId] => 208609361645899 [CompanyId] => 168632133896173 [CompanyName] => Eastern Bank [Industry] => [JobType] => FullTimeRegular [JobTitle] => VP, Commercial Portfolio Manager [DegreeRequired] => [JobDescription] => Our client, a $10B mutual Bank in Greater Boston engaged us to assist in their search for a VP, Commercial Portfolio Manager. This position can sit in a few different locations including metro Boston or close to the North Shore. The VP, Portfolio Manager will assist two seasoned Commercial Lenders manage their sizable book of business and the associated relationships. The portfolio contains both CRE and C&I loans, so diverse deal experience is a must. Deal sizes range from $2MM to $20MM+ including some complex participation deals.

The commercial team and bank has a history of cultivating talent from within, so this opportunity can develop into a lending role for the right person. This isn't required, but the opportunity will be available as the bank continues to grow.

Compensation includes a highly competitive base salary, plus bonus and attractive benefits.

If interested in learning more, please contact B.J. Berrettini at 570-714-3112 or bberrettini@ajconsultantsllc.com

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2018-12-13T10:44:56 [City] => Brockton [State] => MA [PostalCode] => 02108 [Country] => [Status] => Expired [ContactId] => 548705835931537 [MinSalary] => [ShowOnWeb] => [PositionId] => EB-7094027704 [LastActivity] => 2021-04-09T11:50:00 [LastModified] => 2021-04-09T11:50:00 [UserName] => ELLE [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [114] => stdClass Object ( [JobId] => 797832863556984 [CompanyId] => 786226856357103 [CompanyName] => Avidia Bank [Industry] => [JobType] => FullTimeRegular [JobTitle] => VP, Controller [DegreeRequired] => [JobDescription] =>

AJ Consultants has been retained by Avidia Bank, a $1.8B mutual bank headquartered in Hudson, MA to help find their new VP, Controller. The chosen candidate will coordinate and manage the entire accounting function for the bank while working directly with the CFO and other leaders on strategic projects. They will also provide leadership and guidance to the accounting team in accordance with the bank’s collaborative culture and mission.

Avidia Bank is an innovative and progressive bank constantly seeking to maintain their competitive edge so be prepared for a fast-paced and exciting environment.

The compensation package includes a highly competitive base, bonus and excellent benefits.

To schedule an exploratory conversation, please contact B.J. Berrettini at 570-714-3112 or bberrettini@ajconsultantsllc.com

Avidia Bank
VP, Controller

Location: Hudson, MA

Reports to: Chief Financial Officer

Supervises: Assistant Controller and ultimately responsible for a team of (8)eight

Description

Position Overview:

Plans, coordinates, and manages the accounting function in conformance with established Bank strategies, policies and procedures. Provides leadership and guidance to the accounting team including establishing department policies and procedures. Serves as a key contributor across the bank representing the accounting function.

Primary Responsibilities:

Performs any functions necessary, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers:

Maintains broad oversight of all functions within the accounting department, including but not limited to reconciliations, wire transfers, cash positioning, interfacing, postings, accounts payable and other related responsibilities. In conjunction with the Assistant Controller, ensures all work of the accounting team is accurate, timely and in accordance with various bank policies.
Ensures the effectiveness and efficiency of department staff. Conducts annual performance reviews for directly reporting staff; provides ongoing training, development and coaching to accounting department staff. Serves as accounting team leader.
Responsible for departmental policies and procedures. Maintains a current risk assessment of accounting area in compliance with FDICIA.
Responsible for month end and year end processing of bank and all affiliated companies.
Produces monthly and annual balance sheet, income statement and investment reports for various companies. Fulfills individual responsibilities of the Assistant Controller as needed.
Keeps abreast of regulatory and competitive developments within the area of accounting. Attends relevant seminars and conferences. Ensures staff keeps abreast of regulatory compliance and developments. Recommends procedural changes as needed to support prescribed requirements.
Develops and maintains working relationships with tax accountants, external auditors, regulators/examiners and internal auditors. Gathers data and reviews information prepared for audits and tax returns. Prepares annual report including footnotes.
Has knowledge of investments and tax implications. Develops quarterly tax reports measuring accruals and expenses/benefits. Responsible for timely payment of taxes.
Participates in various project implementations in order to ensure successful integration with Accounting policies and procedures
Serves on various management committees as needed. Participates in short and long term planning. Manages relationships with correspondent banks and vendors.
Represents the Bank through participation in various community and industry related activities. Actively promotes interest in the Bank wherever and whenever possible.

Other Responsibilities:

Perform related and unrelated duties as may be required.

Requirements

Bachelor’s degree in Accounting or Finance.
Seven years of progressively responsible accounting and finance experience within a depository financial institution.
Very strong managerial and leadership skills to coach, develop and grow the capabilities of department staff.
Demonstrated analytical, problem solving, planning and communications skills. Ability to work collaboratively with internal and external partners.
Strong understanding of the various state and federal regulations relating to financial institution accounting.

Strong financial systems / applications knowledge (Fiserv Prologue preferred) and strong general computing skills including advanced Excel skills.

[Specialty] => [MaxSalary] => [ContactName] => Margaret Sullivan [ContactPhone] => (888) 290-4636 [ContactEmail] => m.sullivan@avidiabank.com [DatePosted] => 2020-08-07T16:19:41 [City] => Hudson [State] => MA [PostalCode] => 01749 [Country] => [Status] => Filled [ContactId] => 188275503235338 [MinSalary] => [ShowOnWeb] => [PositionId] => EB-1324187096 [LastActivity] => 2021-04-09T11:47:57 [LastModified] => 2021-04-09T11:47:57 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [115] => stdClass Object ( [JobId] => 142489251335111 [CompanyId] => 171547546472411 [CompanyName] => Workers Credit Union [Industry] => [JobType] => FullTimeRegular [JobTitle] => (SVP) Senior Commercial Lender [DegreeRequired] => [JobDescription] =>

WORKERS CREDIT UNION

POSITION DESCRIPTION

Title: Senior Vice President, Senior Commercial Lender

Department: Commercial Lending

Reports to: Senior Vice President, Chief Banking Officer

Direct Reports: Vice President, Commercial Lending; Commercial Lending Specialist

Additional Direct Reports TBD

FUNCTION:

Oversees the credit union’s Commercial Lending Department (“CLD”). Manages staff and provides service directly to (potential) members in order to achieve the credit union’s goals in the commercial lending area. Emphasis on business development, sales and relationship management.

DUTIES:

Essential or (M) Marginal

(E) 1. In conjunction with members of senior management, establishes goals annually or otherwise periodically, for the credit union’s CLD. Provides leadership through individual efforts and the management of direct reports and guidance of other credit union staff, and oversees the successful achievement of established goals.

(E) 2. Manage both the commercial loan officers and other staff on an ongoing basis. This includes setting goals and performance expectations as well as coaching, counseling, delegating to and communicating with staff on a regular basis. Conducts (semi-) annual performance reviews, makes recommendations for compensation adjustments, and handles disciplinary matters in the department.

(E) 3. Manage the business loan review, maturing line of credit and business member visitation programs. Monitor the quality of the loan applications and the credit memos prepared by the department. Monitor the department to ensure that all compliance and other regulations are being observed.

(E) 4. Calls extensively on outside businesses to sell small business loan and deposit services, commercial real estate loans, and other commercial services directly to member businesses, as well as personal deposit and loan accounts. Cultivates relationships with business customers in order to achieve designated individual and department productivity goals.

(E) 5. Review and approve commercial loan applications within Board-approved lending authority.

(E) 6. Monitor the commercial loan quality. Review loans risk ratings and make all necessary changes to the ratings.

(E) 7. Fosters the development and ongoing integration of a business services culture in the credit union. Provides direction and mentoring to commercial banking and retail staff on business development and relationship management activities for commercial services.

(E) 8. Cross-sells credit union consumer products and services to clients and potential clients, including referring clients to other departments, such as the Investment and Insurance Center, in the credit union. Emphasis on referrals for residential mortgage loans.

(E) 9. Maintains current awareness of rates and product and service offerings from competitors in the local market. Advises management about changing rates and/or modifying WCU’s line of products and services based on market changes.

(E) 10. Maintains detailed contact and sales call records to ensure proper documentation of business development activity and sales results.

(E) 11. Partners with the Chief Risk Officer to ensure that the CLD is in compliance with applicable credit union policies and procedures, and local, state and federal laws and regulations relative to maintaining complete, timely and accurate records and documentation for loans and related business in the CLD.

(E) 12. Actively participates in community and industry-related organizations and activities to represent the credit union and maintain a current knowledge of industry best practices.

(E) 13. Attend as a voting member of both the Business Loan Committee and the Non Performance Committee. Participate as a member of other internal credit union cross-departmental committees as needed.

(E) 14. Maintains confidentiality of all member data

(E) 15. Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program.

(M) 16. May present oral or written reports to the Board of Directors and/or the Board Credit Committee on occasion.

(E) 17. Assumes additional responsibilities as requested.

KNOWLEDGE/SKILLS/EXPERIENCE REQUIREMENTS:

Eight to ten years of experience in real estate and commercial lending, at least five of which is at a management level.
Strong interpersonal skills relative to public relations, business development and sales.
General knowledge of credit union products and services.
Highly self-motivated to represent the credit union in industry and community events.
Ability to sell credit union products and services, with a desire to be a top producer in a competitive business environment.
Team-oriented individual who works well with colleagues.
Able to handle management of internal departmental operations and employees.
Able to use technology-based equipment for effective communication and organization, including personal computer and PDA.
Bachelor’s degree or equivalent; knowledge of laws and regulations pertaining to commercial real estate, business lending and deposit products.

PHYSICAL ACTIVITIES/REQUIREMENTS:

Able to communicate orally with co-workers and members. Able to operate telephone, computer keyboard and other office machines that require finger dexterity and repetitive motion. Visual acuity necessary to prepare/inspect documents. Extensive time spent traveling by car within local business region. Must be able to drive self to and from appointments and meetings in sales territory. Occasional lifting up to 10 lbs. Sedentary work, sitting most of the time.

Equipment Used:

General office equipment.

NOTE: This job description describes the general nature and level of work performed by incumbents in this position. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of staff assigned to this position.

AJ Consultants has been retained by South Shore Bank, South Weymouth, MA to find their new Chief Lending Officer. This role maintains overall responsibility for all Commercial Lending (which includes Small Business) and related activities with all respective officers, managers and staff reporting to this position. This position will fill a seat at the executive table and will help shape the course of the South Shore Bank’s Commercial Lending strategies. While the bank maintains a robust appetite for Commercial Real Estate deals, ideal candidates must have a strong background in Commercial & Industrial Lending.

South Shore Bank is a growing $1.5 Billion mutual bank dedicated to providing trusted financial solutions to help people and businesses reach their goals. The bank’s culture is helpful, cooperative, engaging and dedicated to serving both bank clients and employees alike.

For additional information and/or to discuss the opportunity, please contact B.J. Berrettini, New England Recruiting Manager:
bberrettini@ajconsultantsllc.com
Work# 570-714-3112

South Shore Bank

Job Description

Job Title: Chief Lending Officer

Department: Commercial Lending Department

Reports to: President & CEO

SUMMARY

Has overall responsibility for all Commercial Lending (which includes Small Business) and related activities with all respective officers, managers and staff reporting to this position. Recommends policies and objectives and is accountable for the commercial loan and deposit portfolio.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. (Other duties may be assigned.)

Assumes overall responsibility for Commercial Lending including profitability, strategic goals, management policies and risk management.
Actively engaged in appropriate community and industry leadership
Creating cross-selling opportunities with all areas of the Bank.
Develops and implements departmental operating policies and procedures and submits reports to management for approval.
Prepares lending and deposit activity reports for financial institution officers and the Board of Directors.
May interview applicants for commercial loans and despots; assign loan and deposit requests to officers for analysis and underwriting.
Oversees and initiates interest rate structures that are most beneficial to the bank and in line with the bank’s goals and policies.
Supports and assists loan officers with timely assessment of new loan and deposit requests, appropriate loan structure and pricing guidance and joint sales call efforts as needed.
Analyzes and screens the underwriting of loan requests including loan renewals and modifications for all types of commercial loans.
Presents requests to management and the Board of Directors when the proposed loan is beyond departmental lending authority.
Ensures adherence to bank guidelines, policies and procedures regarding loan approval and credit administration.
Manages large or complex commercial loans and deposits, as needed, and counsels loan customers on loan management and beneficial financial strategies.
Establishes individual and team productions goals and directs business development activities of loan officers such as calls on customers, prospects and referral sources.
Maintains and enhances information base on local and national economics, as well as other concerns that would impact the financial institution’s lending activities.
Maintains knowledge of the market and network of centers of influence and other referral sources.
Provides an annual departmental budget and reviews adequacy of departmental services, staff services and materials (including EDP services, technical materials and forms).
Makes recommendations to management on product improvements or changes.
Guides, manages and assists in development and review of departmental staff (transfers, promotions, salary increases, terminations, etc.).
Develops and participates in marketing programs for the financial institution’s commercial lending and deposit products and services.
Responsible for all loan workouts and Watchlist credits.
Oversees Small Business Lending

SUPERVISORY RESPONSIBILITIES

Oversees all Commercial Loan Officers, VP/Small Business Banking Manager, Portfolio Managers and the Commercial Loan Administrator/Team Leader. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. Being a mentor for developing the next level of lending leadership.

QUALIFICATIONS

EDUCATION and/or EXPERIENCE

Bachelor’s degree with a minimum of 10 years experience in mortgage, consumer, or commercial lending and/or equivalent combination and a minimum of three years in an actual management of these functions.

LANGUAGE SKILLS

MATHEMATICAL SKILLS

REASONING ABILITY

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

WORK ENVIRONMENT

[Specialty] => [MaxSalary] => [ContactName] => Jim Dunphy [ContactPhone] => (781) 682-3285 [ContactEmail] => jdunphy@southshorebank.com [DatePosted] => 2019-10-15T15:34:24 [City] => South Weymouth [State] => MA [PostalCode] => 02190 [Country] => [Status] => Filled [ContactId] => 103879396304045 [MinSalary] => [ShowOnWeb] => [PositionId] => EB-1525118385 [LastActivity] => 2021-02-16T11:39:18 [LastModified] => 2021-02-16T11:39:18 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [122] => stdClass Object ( [JobId] => 156746393793393 [CompanyId] => 952381292341333 [CompanyName] => Fidelity Cooperative Bank [Industry] => [JobType] => FullTimeRegular [JobTitle] => Controller [DegreeRequired] => [JobDescription] =>

My team has been retained by Fidelity Bank, a $1.2B mutual bank headquartered in Leominster, MA to find their new Controller. Reporting to the CFO, the Controller will be responsible for oversight of critical finance, accounting, and reporting activities.

The ideal candidate is an accounting guru, CPA preferred, with experience in complex accounting measures including derivatives, hedge accounting and intracompany transactions.

The Executive Team is fully committed to their mutual bank culture and their ‘Life Design’ approach, which deepens employee, customer and community relationships. Their mission is clearly laid out and being executed with precision and this position will play a strategic role in new departmental and organizational growth.

The compensation package includes a highly competitive base, bonus and excellent benefits.

To schedule an exploratory conversation, please contact:

B.J. Berrettini

570-714-3112 or bberrettini@ajconsultantsllc.com

Fidelity Bank

Controller

Location: Leominster, MA

Reports to: Chief Financial Officer

POSITION OVERVIEW:

Reporting to the Chief Financial Officer (CFO), the Controller will be responsible for oversight of critical finance, accounting, and reporting activities. The Controller will be involved in supporting presentations to the Board and will work closely with the senior leadership team.

The Controller will be involved in day-to-day accounting/finance operations of a $40 million revenue budget and have responsibility over aspects of accounting, and financial analysis. The Controller will ensure that Fidelity Co-operative Bank has the systems and procedures in place to result in flawless audits.

The candidate will be accountable to operate in a manner consistent with the Bank’s LifeDesign philosophy and corporate values. Additionally, the Controller is responsible for maintaining best-in-class Risk, Audit, and Compliance practices.

The Controller will manage the accounting staff, develop, and implement accounting procedures for new services. Continuous research of opportunities within the department or organization to improve efficiencies either using systems or other methods of automation.

RESPONSIBILITIES:

Include the following however other duties may be assigned. Directly, or indirectly through the use of accounting staff, the Controller shall be responsible for the following functions:

Accounting and Regulatory Policies

Research and interpret new accounting regulatory pronouncements. Determine their financial impact upon the organization
Develop and implement new accounting policies and procedures within the organization by working with other divisions leaders where necessary
Oversee the day-to-day Accounting activities including: Derivatives/SWAPs, Mortgage Banking, Investments, and OREO
Maintain a documented system of accounting policies and procedures.
Maintain the General Ledger chart of accounts
Become subject matter expert in financial accounting applications i.e. Fixed Assets, GL, AP.
Provide accounting guidance on non-accrual, impaired, trouble-debt restructures, and real estate owned
Oversee the calculation of the daily cash position
Monitor reserve requirements to ensure adequate reserves are maintained
Provide information to tax advisors in preparation of company tax returns; review for accuracy and assist with the filing of withholdings

Financial and Regulatory Reporting

Drive accurate and timely completion of daily and month-end accounting processes including complete financial statements and Board dashboards.
Review financial results for reasonableness. investigate and report variances
Compile data, work with division leaders to prepare the quarterly qualitative loan loss factors
Direct and oversee the Bank’s regulatory reporting deliverables including legal entity filings, Division of Banks reporting requirements, and call reports
Prepare the Bank’s Annual Financial Statements
Oversee production of various financial packages
Collaborate with the CFO and Finance Manager on strategies related to Asset Liability Management (ALCO), Liquidity, Budgeting, Financial and Profitability Analysis

FDICIA Control Assessment Documentation

Collect and summarize any changes to be made to FDICIA documentation related to accounting operations
Support the CFO in collecting and summarizing any changes made to FDICIA documentation related to areas outside of accounting
Accounting system administration, reviews, updates, and vendor reviews

POSITION REQUIREMENTS

This is an extraordinary opportunity for a mature leader with five to ten years of progressively responsible bank accounting and finance experience. Other qualifications include:

Personal qualities of integrity, credibility, and unwavering commitment to Fidelity Bank’s mission; a proactive, hands-on strategic thinker who will own, in partnership with the CFO, the responsibility for finance/accounting
Minimum of a BA; CPA and/or MBA preferred
Proficient in Microsoft Office
Financial management experience
Detailed knowledge of FASB and GAAP Accounting
Technology savvy with experience selecting and overseeing software installations and advanced knowledge of accounting and call reporting software
Keen analytic, organizational, and problem-solving skills which allow for strategic data interpretation versus simple reporting.
Strong interpersonal and communication skills; experience in effectively communicating key data, including presentations to senior management, board, or other outside partners
Ability and desire to translate complex financial concepts to individuals at all levels including finance and non-finance members
Proven experience as a highly effective leader and manager of people

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

PHYSICAL DEMANDS:

Any physical demands or work conditions described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

WORK ENVIRONMENT:

Fidelity Bank is proud to offer a competitive compensation and benefits program which includes health, dental, vision, life, and immediate 401(k) plan participation. Fidelity Bank is an equal opportunity employer.

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2020-08-20T16:51:27 [City] => Leominster [State] => MA [PostalCode] => 01453 [Country] => [Status] => Filled [ContactId] => 201530098588355 [MinSalary] => [ShowOnWeb] => [PositionId] => EB-1481942791 [LastActivity] => 2021-02-16T11:38:56 [LastModified] => 2021-02-16T11:38:56 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [123] => stdClass Object ( [JobId] => 744612747004985 [CompanyId] => 202189309662692 [CompanyName] => Bar Harbor Bank & Trust [Industry] => [JobType] => FullTimeRegular [JobTitle] => Director of Internal Audit [DegreeRequired] => [JobDescription] =>

Bar Harbor Bank & Trust

Director of Internal Audit

Reports To:

Directly to the Chairman of the Audit Committee

Indirectly to the Chief Executive Officer

Location:

Flexible

Supervises:

Internal Auditor

Description:
________________________________________________________________________

General Responsibilities: Responsible for the development, implementation and administrative oversight of the Company’s Audit Program to ensure the accuracy of the Company’s financials, accounting records, controls and safeguards, and compliance with established policies, procedures, and banking regulations. Communicates and reports audit results and recommendations to the Audit Committee. Fosters a collaborative environment with members of the management team and staff in a way that reinforces the bank’s culture, values and mission.

Major Responsibilities:

Acts with the usual authority of a department head. Provides guidance and advice on policy questions, helps resolve problems, evaluates staffing requirements, performs employee appraisals, recommends salary adjustments and promotions, and coaches and counsels assigned staff. Establishes and coordinates the continuing education, training and development of staff and ensures policies and procedures are adequate and followed.

Plans, organizes and implements the Company’s Internal Audit Programs. Develops and executes the approved audit plan and programs in a timely manner to properly test the Company’s financial information, internal controls, records, and systems.

Maintain sufficient evidentiary documentation of testing performed that supports audit observations, findings, and recommendations. Maintain ongoing channels of communication with Management detailing audit progress, observations, and results of testing

Based on the annual risk assessment process, the Director of Audit determines the frequency and coverage of audit reviews in accordance with the strength or weakness of internal controls, the degree and materiality of potential exposure.

Recommends and assists in the development of procedures and internal controls.

Reports to the Audit Committee through written reports of internal audit reviews including findings, analyses, and conclusions. Recommends appropriate corrective action when necessary.

Acts as a liaison and provides assistance when required to regulatory examiners.
Coordinate and direct third-party partnerships with outside audit and accounting firms, and hired consultants essential to the internal audit process. This includes oversight of vendor risk assessments, developing RFPs when needed and negotiating prices.

Keeps current with developments of audit and accounting standards and policies to determine their potential impact on the Company’s financials and practices. .

Serves as a member of the Company’s Disclosure Controls & Procedures Committee.

Oversees and participates in the preparation of functional operating budgets assigned functional areas.

Participates in professional industry organizations and civic groups to enhance the Company’s image and visibility and to further personal development.

Knowledge, Ability, and Skills Required:

A minimum of ten years of experience in a banking organization with a concentration in the field of Audit.
Minimum of a college degree in Business Administration, Finance, Economics, or a closely related field (Masters Degree, CIA, or CPA preferred)
Effective soft skills necessary to work effectively in a collaborative team-based environment.
General knowledge of Information Technology operations is preferred but not required.
Proven leadership involving people management and highly developed communication skills.
The ability to effectively present information to the Audit Committee, members of executive management, and functional managers.
Proven ability to analyze and interpret findings and results to draw logical conclusions in carrying out assigned responsibilities.
The ability and flexibility to learn and keep current with changing technologies, products and services, procedures, laws and regulations, and varying job assignments and accountabilities.
The ability to work as a positive team member and change agent while managing multiple priorities.
Possesses excellent organizational skills.

This description is a summary of major responsibilities and is not intended to include all duties that may be assigned.

Our client, a $300Million Community Bank, is seeking a commercial lender to focus on expanding their brand in St. Charles, Missouri. The bank opened their 5th branch location in the area last year and plan on opening another one in the near future. This individual will be responsible for producing $10MM in new loans per year. The focus will be primarily on C&I with some CRE and SBA. The bank has been in business since 2000 and continues to view the St. Charles market as a big growth opportunity.

For more information please contact Austin Ressler at 207-298-9746 or aressler@ajconsultantsllc.com

For more information please contact Austin Ressler at 207-298-9746 or aressler@ajconsultantsllc.com

AJ Consultants has been engaged by a sizable $6B Community Bank in the Hudson Valley Region of New York help fill their newly created CTO (Chief Technology Officer) position, which will be responsible for maintaining the bank’s IT infrastructure as well as the software technology used to enhance the bank’s product offerings. Reporting to the Bank’s CEO, the CTOis responsible for the overall strategic vision for all things related to Technology as well as assisting with the introduction and integration of digital service to internal and external customers.

Through effective management and leadership of direct and indirect reports and through guidance and effective communication with management of all key functional areas of the Bank, responsible to ensure appropriate utilization of systems and technology throughout the organization to meet established objectives. This individual is tasked with efficiently, effectively managing and improving the reliability, value, and security of Bank’s systems to better support clients and to expand the Bank’s competitive position within the financial services industry. This includes the implementation, review, and maintenance of policies and best-in-class operational procedures compliant with regulatory requirements.

QUALIFICATION REQUIREMENTS:

EDUCATION and/or EXPERIENCE:

Ten(10) or more years’ progressively-responsible related banking experience in all aspects of information technology, data security, computer concepts, networking, digital banking, and supervision of technical staff.
Degree in Computer Science or Information Management Systems with specialized training in banking, technology, information security fields.

TECHNICAL SKILLS, TRAININGS or CERTIFICATIONS

Certification in technical disciplines such as CISA/ CISM, CCENT/CCNA, MSCE/Aor demonstrated practical experience.

OTHER SKILLS or ABILITIES

Must demonstrate strong leadership, organizational and interpersonal communications skills.
Possess a working knowledge of wide area networks, personal computer technologies, network operating systems, Internet, computer operations/production, risk, information security, and banking operations/core-processing applications and regulations.
Other Required Skills: administration of managed switches, must have knowledge of virtualization, newer Windows operating systems and be capable of implementing, building, troubleshooting, and debugging a variety of Microsoft technologies, and respond to questions from groups of managers, vendors, and employees

In addition, a detailed list of Essential Job Functions is available for review. For more information, please contact B.J. Berrettini, New England Recruiting Manager bberrettini@ajconsultantsllc.com570-714-3112

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2019-07-01T11:40:14 [City] => Husdon Valley [State] => NY [PostalCode] => [Country] => [Status] => Expired [ContactId] => 178707618112232 [MinSalary] => [ShowOnWeb] => [PositionId] => EB-1207233716 [LastActivity] => 2020-02-20T12:13:10 [LastModified] => 2020-02-20T12:13:10 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [144] => stdClass Object ( [JobId] => 204469472850921 [CompanyId] => 796388350642767 [CompanyName] => Candidate Pool [Industry] => [JobType] => FullTimeRegular [JobTitle] => Senior Commercial Credit Analyst [DegreeRequired] => [JobDescription] =>

Our client, a profitable Multi-Billion Community Bank in Boston is seeking a Senior Credit Analyst to fill an expansion position. Responsibilities include analysis and underwriting of Commercial C&I and CRE loans up to $20MM in size while providing guidance to junior analysts. This position reports to a well-respected Leader and offers room to grow into a PM or Lender for the right person. Compensation is agressive for this type of role and can exceed market for the right person.

If interested, please contact B.J. Berrettini at 570-714-3112 or bberrettini@ajconsultantsllc.com

[Specialty] => [MaxSalary] => [ContactName] => [ContactPhone] => [ContactEmail] => [DatePosted] => 2018-01-15T13:18:36 [City] => Boston [State] => MA [PostalCode] => 02108 [Country] => [Status] => Expired [ContactId] => 123033747376634 [MinSalary] => [ShowOnWeb] => [PositionId] => EB-2705383845 [LastActivity] => 2020-02-20T12:12:37 [LastModified] => 2020-02-20T12:12:36 [UserName] => BJ [CustomFields] => Array ( [0] => stdClass Object ( [FieldName] => Engineering Job [FieldType] => Dropdown [Values] => Array ( ) ) ) ) [145] => stdClass Object ( [JobId] => 144828943625394 [CompanyId] => 158069962597451 [CompanyName] => Union Savings Bank [Industry] => [JobType] => FullTimeRegular [JobTitle] => Manager, Information Security [DegreeRequired] => [JobDescription] =>

AJ Consultants has been retained by Union Savings Bank in Danbury, CT to find their new Manager, Information Security. While the core responsibility of this role is to ensure compliance with the Bank’s information security policies, the weight of this opportunity greatly exceeds what you will read here.

Manager, Information Security

Job Description

Department: Security

Date: October 2019

Reports To: SVP, Director of Security

OVERVIEW:

This position will be responsible for ensuring compliance with the Bank’s information security policies and for developing protection programs that provide security, integrity and continued viability of the Bank’s internal and external stored data.This is strategic leadership role with three (3) direct reports and will serve as the back up for the Director of Security potentially leading to an expanded role in the future.

Supervisory Responsibilities
This position manages people		# Direct Resources Managed		1-5	# Indirect Resources Managed	0
Level of Supervision Received
✓	Functions independently within broad scope of established departmental policies/practices; generally refers specific problems to supervisor only where clarification of departmental operating policies/procedures may be required.

Essential Job Duties
Technology Security Program				Responsible for documenting, investigating and ensuring compliance with procedures that support the Information Technology Security Program. Develop and support innovation and automation efforts to increase the effectiveness and efficiency of security process and controls. Investigate and document all security incidents. Implement Internet, Intranet and website security programs, including Internet blocking and firewalls. Oversee status and event reviews and respond to detects or reported security violations escalating where necessary. Oversee review of system reports for possible security violations including the validation of user access of bank systems as an as needed or other basis identified in the Security Program. Work with fraud teams to identify enhancements to bank security procedures and assess related risks. Where practical work with fraud and technology teams to develop and implement controls to address fraud related risks. Act as a Subject Matter Expert (SME) for technology related security issues and direct security and technology staff in assessing risk and implementing remediation. Must maintain the integrity, confidentiality and security of all bank information protecting not only the bank as a whole, but also each employee and all customers of the bank.
Network Monitoring				Responsible for documenting and ensuring compliance with procedures that support the Information Security Program. Develop and maintain a network monitoring system designed to identify malicious activity. Respond to malicious network activity identified. Coordinate an incident response to the event in conjunction with IT and security vendors.
				Monitor network, e-mail and Internet for inappropriate or malicious usage. Implement Internet, Intranet and website security programs to protect the Bank’s proprietary information and customer’s non-public information. Review available system reports for possible security violations. Oversee Identity and Access Management program (IAM), developing and / or upgrading as required.
Vendor and Risk Management				Act as a Subject Matter Expert (SME) for technology related security issues and direct security and technology staff in assessing risk related to third party technology and services. Understand vendor internal control and security reports to assess whether described systems are functioning properly and securely. Summarize vendor related security risks and control exceptions for reporting to the Compliance and Operational Risk Committee and incorporation into the IT Risk Assessment process.
User Education				Stay current with security trends (I.E. security techniques and security bulletins) to provide advice to system users and network administrators. Work with L&D to develop periodic reminders for end users of best practices and security alerts as needed. Assist the Director of Security with security awareness training as needed. Work with L&D to develop or approve Information and Cyber Security training materials.
Web Content Filtering				Review and approve changes to firewall and perimeter e-mail system configurations including web content filtering and e-mail white/black listing. Oversee research as needed on web usage trends and regarding specific employees as requested
IT Risk Assessments				Assist in the completion of the IT Information Security Risk Assessment. Aid in the completion and tracking of risk assessments for all software applications and hardware used throughout the bank.
Business Continuity				Works with the Business Continuity and Technology and Data Services to resolve technology related issues related to Business Continuity and minimize risk during Disaster Recovery testing and events.
Human Resources				Team Development: motivate personnel and promote workplace enthusiasm; provide opportunities for professional growth through education/training; provide the tools/skills (cross train) necessary for employee growth at USB. Manage HR processes for direct reports (performance/incentive/introductory period reviews, recruitment, career development, training, interviews, disciplinary/corrective actions, etc.)

Additional Job Duties
Serves as backup to the Director of Security during vacations and other absences. Provide backup support for DatAdvantage, Alert Logic, and daily monitoring reports. Become proficient in the operation of physical and logical security systems including Cameras, door controls, and alarm pad access for all bank locations in order to provide support to the AVP Security when required. Performs other related duties as required.
Required (for all Jobs)
Must maintain thorough knowledge of and comply with all applicable laws and regulations, including BSA/AML and Privacy requirements, as set forth in the Bank’s policies, procedures, and programs. This position requires consistent regular attendance.
SKILLS
Required Skills
Communication and Interpersonal Skills:			Must communicate effectively using all mediums including but not limited to dealing with customers, clients, and employees on the telephone, in person, and in writing. Ability to speak effectively in one-on-one or small group situations. Strong customer service skills required
Computer Skills:			Microsoft Office. Must be able to learn and work with any job relevant or industry specific software programs employed by the bank. List any specific software/computer skill requirements utilizing the "Other" field.
Organizational Skills:			Ability to work in a fast-paced environment with ability to juggle multiple projects and/or tasks while maintaining accuracy to the highest level. Ability to meet deadlines and prioritize workflow. Strong attention to detail and task oriented. Uses time efficiently.
Problem Solving Skills:			Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving concrete variables in standardized situations.
Team Player:			Ability to work well in a team-oriented environment.

Additional Skills
Skill/Ability				Description		Proficiency
Analytical & Reasoning Skills: Ability to define problems, collect data, establish facts and draw valid conclusions. Ability to interpret an extensive variety of instructions and deal with several abstract and concrete variables.						Advanced
Other:				Must have ability to communicate effectively using all mediums including but not limited to effectively dealing with internal and external customers, telephone etiquette, written communication, and computer usage. Strong customer service skills required. Ability to read and analyze common scientific and technical journals, reports and legal documents, and take appropriate action.		Intermediate
Other:				In depth knowledge of server and desktop operating systems, Internet protocols, and communication devices.		Advanced
Product Knowledge: Ability and interest in continually improving knowledge and understanding of bank products and services.				SIEM tools like Splunk, Q Radar, ArcSight, and Net Witness. Developing queries, data models and dashboards. Familiarity with security tools such as Varonis, Carbon Black, anti-virus software and vulnerability scanners such as Nessus/Qualys/Nexpose. Basic knowledge of Unix and Windows CLI including PowerShell. Familiarity with Enterprise Risk Management (ERM) systems.		Intermediate


Required Leadership and Management Skills
✓	Must follow, support and implement Bank Quality Service Standards.
✓	Must be able to serve as a role model by exhibiting professionalism, observing confidentiality, promoting service awareness, being operationally sound, and possessing strong leadership and teamwork skills.
✓	Must be able to communicate and provide consistent support of the strategic goals of the Bank.

Additional Leadership and Management Skills
Skill/Ability				Description		Proficiency
Must be able to create a motivational environment by encouraging employees to succeed and ensuring effective recognition.				Ability to effectively present training material to groups.		Intermediate
PHYSICAL & MENTAL DEMANDS / WORKING CONDITIONS
Physical and Mental Demands
	Physical Demands			Additional Details
✓	Must be able to be sedentary for extended periods of time.
✓	Must be able to focus and not be easily distracted.
✓	Must have close clear vision at 20 inches or less, with depth perception: i.e. three dimensional visions, ability to judge distances and spatial relationships; and have the ability to adjust focus.

Working Conditions
	Working Conditions			Additional Details
✓	Busy office environment with moderate noise: computers, printers, phones, and customer traffic.
QUALIFICATIONS
Licenses and Certifications
Other:			CISSP and/or CISM at time of hire or within 1 year of hire	Required
Other:			Security, audit or risk certification	Preferred

Education
4 Year / Bachelors Degree or equivalent work experience			Computer Science or related	Required

Experience
5-7 years			technical and banking experience	Required

This position description is not intended to be a complete list of all responsibilities, duties or skills required for the job and is subject to review and change at any time, with or without notice, in accordance with the needs of Union Savings Bank. Since no position description can detail all the duties and responsibilities that may be required from time to time in the performance of a job, duties and responsibilities that may be inherent in a job, reasonably required for its performance, or required due to the changing nature of the job shall also be considered part of the job holder’s responsibility.

Title:VP, Digital Channels Manager

Reports to: SVP, Director of Technology & Data Services

We have been exclusively retained by Union Savings Bank in Danbury, CT to help find their new VP, Digital Channels Manager. This position will be responsible for creating the digital channel road map for the Bank and executing their own strategic plan, so the right talent must be both a visionary and an expert in tactical project management. The Digital Channels Manager is responsible for at least one direct report, so leadership experience is required. The bank’s core system is FIS IBS. Experience with this platform is ideal, but not absolutely essential.

Union Savings Bank is a “mutual” $2.2Billon Bank with twenty-five (25) branches throughout Western CT with a strong culture of collaboration and unwavering commitment to their customers, employees and the communities they serve.

For additional information and/or to discuss the opportunity, please contact me anytime: bberrettini@ajconsultantsllc.com Work# 570-714-3112

Digital Channels Manager

J o b D e s c r i p t i o n

ORGANIZATION
Department:		Technology and Data Services

Supervisory Responsibilities
This position manages people	Direct resources managed:		1-5

✓	Functions independently within broad scope of established departmental policies/practices; generally refers specific problems to supervisor only where clarification of departmental operating policies/procedures may be required.
Level of Supervision Received

DESCRIPTION OF ESSENTIAL DUTIES AND RESPONSIBILITIES:
The Digital Channels Manager provides strategic direction, management and oversight of the Bank's digital banking channels. The role is responsible for creating the digital channel roadmap, ensuring alignment with Bank strategies. This position will serve as the product owner for the Bank's digital banking platforms and provide advice and consent over all digital banking delivery products. This position carries a Corporate Title of Vice President.
Channel Development	Develop and manage to a multi-year Strategic Road Map for Digital Channels with input from Innovation Center and Business partners. Provide thought leadership for the organization around areas of strategic focus including digital customer experience and breadth of services provided through the channel. Manage digital portfolio, maintain gap analysis, and work with key vendors and internal resources to maintain a roadmap for future features and enhancements of both consumer and business digital channels. Develop and present business cases that include projected benefits and financial forecasts as part of a multi-year plan. Work to manage the potential risks associated with the Bank's digital services, in terms of both customer on-boarding and general banking functionality; partner with Risk and Compliance to ensure adequate fraud mitigation and adherence to governance requirements. Monitor and track budget impact, including cost structure (contract terms), revenue impact and product profitability. Act as lead for all new digital product launches, conversions, upgrades and enhancements, from both an implementation and quality assurance perspective; Oversee product changes and processes including implementation of new digital banking services and modifications to existing products. Work closely with Bank Operations, Technology, Customer Service Center, Risk, Marketing and Learning & Development on implementation processes, employee training, and marketing communications. Stay abreast of industry trends and developments, educating internal partners on any that may impact the Bank's digital services portfolio, including overall strategy, process, marketing and sales.
Sales Support	Recommend channel enhancement based upon own analysis and relating to: market potential, existing services, digital acceptance, usage and retention. Collaborate with internal sales managers, Marketing and Call Center to utilize all digital channels in support USB marketing and sales programs. Monitor sales activities, sales and growth trends, penetration analysis, and campaign ROI.
Quality Control	Take lead on resolving issues related to digital product defects, customer issues and general quality control.
Vendor Management	Manage the vendor relationship, including all vendor management responsibilities, for all digital/online delivery channels. Champion the digital channels within the vendor relationship and enforce SLAs.
Human Resource Management	Team Development: motivate personnel and promote workplace enthusiasm; provide opportunities for professional growth through education/training; provide the tools/skills (cross train) necessary for employee growth at USB. Manage HR processes for direct reports (performance/incentive/introductory period reviews, recruitment, career development, training, interviews, disciplinary/corrective actions, administer Time and Attendance system, etc.)
Essential Job Duties

Additional Job Duties
Promote the ongoing interest of the Bank whenever and wherever possible. Participate in a variety of community and civic activities and represent the bank at all appropriate community functions. Keep abreast of all compliance-related issues, update electronic marketing materials and media as appropriate. Perform other related duties as required.

Promote the ongoing interest of the Bank whenever and wherever possible. Participate in a variety of community and civic activities and represent the bank at all appropriate community functions. Keep abreast of all compliance-related issues, update electronic marketing materials and media as appropriate.

Perform other related duties as required.

Additional Job Duties

Required (for all Jobs)
Must maintain thorough knowledge of and comply with all applicable laws and regulations, including BSA/AML and Privacy requirements, as set forth in the Bank’s policies, procedures, and programs. This position requires consistent regular attendance

Must maintain thorough knowledge of and comply with all applicable laws and regulations, including BSA/AML and Privacy requirements, as set forth in the Bank’s policies, procedures, and programs.

This position requires consistent regular attendance

Required (for all Jobs)

SKILLS
Required Skills
Communication and Interpersonal Skills:	Must communicate effectively using all mediums including but not limited to dealing with customers, clients, and employees on the telephone, in person, and in writing. Ability to speak effectively in one-on-one or small group situations. Strong customer service skills required
Computer Skills:	Microsoft Office. Must be able to learn and work with any job relevant or industry specific software programs employed by the bank. List any specific software/computer skill requirements utilizing the "Other" field.
Organizational Skills:	Ability to work in a fast-paced environment with ability to juggle multiple projects and/or tasks while maintaining accuracy to the highest level. Ability to meet deadlines and prioritize workflow. Strong attention to detail and task oriented. Uses time efficiently.
Problem Solving Skills:	Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving concrete variables in standardized situations.
Team Player:	Ability to work well in a team-oriented environment.


Additional Skills
Skill/Ability	Description	Proficiency
Written Communication: Ability to write business correspondence (list any specific requirements).	Ability to effectively present information and respond to questions from employees and customers.	Intermediate
Human Resource Management	Must have strong HR management skills, proficient in all aspects of human resource performance management such as: performance appraisals, job performance documentation, disciplinary actions, career development, interviewing, etc.	Intermediate
Independent Judgment: Ability to work independently, without specific instruction, in a self-reliant manner. Exhibits sound and accurate judgment and makes timely decisions.		Intermediate
Product Knowledge: Ability and interest in continually improving knowledge and understanding of bank products and services.		Advanced
Other:	Must be proficient in Microsoft Office, and be able to quickly learn USB's online banking software, ATM systems, and other digital product related software.	Intermediate


Required Leadership and Management Skills
✓	Must follow, support and implement Bank Quality Service Standards.
✓	Must be able to serve as a role model by exhibiting professionalism, observing confidentiality, promoting service awareness, being operationally sound, and possessing strong leadership and teamwork skills.
✓	Must be able to communicate and provide consistent support of the strategic goals of the Bank.

Other:	Must be detail oriented and have strong organizational skills. Must have ability to focus and work independently. Must be able to work on multiple projects simultaneously.	Intermediate
Additional Leadership and Management Skills
Skill/Ability	Description	Proficiency

PHYSICAL & MENTAL DEMANDS / WORKING CONDITIONS
Physical and Mental Demands
	Physical Demands	Additional Details
✓	Must be able to be sedentary for extended periods of time.
✓	Must be able to focus and not be easily distracted.
✓	Must be able to travel offsite to different locations.
✓	Must be flexible in working hours for business needs and/or to attend Bank functions and events.

✓	Busy office environment with moderate noise: computers, printers, phones, and customer traffic.
Working Conditions
	Working Conditions	Additional Details

QUALIFICATIONS
Licenses and Certifications

4 Year / Bachelors Degree or equivalent work experience		Required
Education

5-7 years	Digital channel management experience	Required
5-7 years	Financial service experience	Preferred
2-5 years	Strategic planning, including business case development	Preferred
Experience

This position description is not intended to be a complete list of all responsibilities, duties or skills required for the job and is subject to review and change at any time, with or without notice, in accordance with the needs of Union Savings Bank. Since no position description can detail all the duties and responsibilities that may be required from time to time in the performance of a job, duties and responsibilities that may be inherent in a job, reasonably required for its performance, or required due to the changing nature of the job shall also be considered part of the job holder’s responsibility.

Our client, a $4Billion Commercial Bank is seeking a Senior Credit Analyst in Indianapolis, Indiana. The bank is Indiana's largest private Family-Owned Bank and they stand by their "Not For Sale" promise. They have 54 locations and serve more than 25 communities. The bank offers a full complement of business and consumer products and services to consumers, small business, and middle market commercial customers. They also offer the product depth of a national brand and the personalized attention that only a community bank can provide. The position reports to a seasoned credit expert and will be mentoring more junior analysts. The position focuses more on complex C&I credits and some CRE.

Compensation includes a competitive base salary.

For more information please contact Austin Ressler at 207-298-9746 or aressler@ajconsultantsllc.com

A profitable and stable $700M Community Bank with an excellent reputation asked our team to help fill an expansion position for the bank. We are searching for a hunter closer Commercial Lender with an extensive network in Southeastern, MA. The bank has an appetite for both CRE and smaller C&I deals plus an reasonable credit culture. They have the ability to make credit decisions quickly and out perform their competitors.

While the bank has a knowledgable and efficient credit department, the ideal candidate possess strong credit skills and won't mind underwriting their own deals in a pinch. The position reports to a respected and well-liked leader and the culture of the bank is inviting, professional and fun.

Compensation includes a lucrative base, 20% incentive potential and a healthy 401K among other benefits.

If interested in learning more, please contact B.J. Berrettini at 570-714-3112 or bberrettini@ajconsultantsllc.com

AJ Consultants has been exclusively engaged by a multi-billion dollar Community Bank in the New London Region of Connecticut to help find their new Information Security Officer. Under the direction of the Chief Information Officer, the Information Security Officer is responsible for overseeing and reporting on the management and mitigation of information security risks across the Bank and is accountable for the results of this oversight and reporting.

The ISO is also responsible for implementing an information security program to satisfy applicable state and federal banking regulations and assures compliance with the Bank’s information security program.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Implement the information security strategy and objectives, to be incorporated into the overall IT strategic plan, including strategies to monitor and address current and emerging risk.

Develop and maintain the Bank’s Information Security Policies and Standards and assure compliance through periodic testing of key controls and monitoring of security systems.

Gather and report metrics to support the compliance of the Bank’s information security posture and report results to the Board.

Engage with Management to understand new initiatives, providing information on the inherent information security risks of these activities, and outlining ways to mitigate the risk.

Participate in the Project Steering Committee, Information Technology / Information Security Committee, and Risk Committee.

Develop and maintain a data governance program, including data loss prevention, and work with management to understand the flows of information, the risk to that information, and the best ways to protect information.

Participate on the Bank’s incident response team in the event of a technology emergency or breach in confidential information and report significant security events to the Board and government agencies, as appropriate.

Maintain the Bank’s vulnerability management program, working closely with IT, to ensure vulnerabilities are remediated in a timely manner.

Participate and assure audit compliance through internal and external reviews and recommend and initiate corrective actions.

Monitor emerging risks, through regulatory monitoring and threat intelligence monitoring, and implement mitigations. Participate in industry collaborative efforts to monitor, share, and discuss emerging security threats.

Inform the Board, Management, and employees of information security and cybersecurity risks, and the role in protecting information though periodic training, bulletins, and email campaigns.

Develop and maintain the Bank’s Vendor Management Program including oversight of the risk assessment, defining due diligence efforts, defining contract requirements, and defining and tracking monitoring efforts. Track vendor management efforts throughout the Bank and report the results to the Board.

Oversee the update of the IT and Customer Information risk assessments, review the results, and report the results to the Risk Committee and Board.

QUALIFICATIONS

Bachelor’s degree from a four-year college or university; or five to ten years of related experience and/or training. Work related experience must consist of information security experience in the financial services industry. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.

Professional certification in information security, such as CISA, CRISC, CISSP or CISM is strongly desired.

Advanced knowledge of Bank deposit operations and basic knowledge of loan operations; related state and federal laws and regulations, and other Bank operational policies and procedures.

Professional experience, knowledge and training in progressively responsible information security department operations, management and supervisory activities.

Excellent organizational and time management skills with the ability to provide leadership, supervision and training for employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills.

Advanced computer skills and basic Microsoft Office knowledge.

Intermediate typing skills to meet production needs of the position.

Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.

Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, read, analyze and interpret documents and professional journals, understand procedures, write reports, correspondence and procedures, speak clearly to customers and employees.

Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate).

If interested, please contact B.J. Berrettini at 570-714-3112 or bberrettini@ajconsultantsllc.com

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AJ Consultants has been retained by Fidelity Cooperative Bank help find their new Chief Retail Banking Officer. The position is responsible for the overall strategic function and leadership of Retail Banking including the Branch Network, Branch Administration, Non-Deposit Investment Products, Consumer Product Development and Client Care Center operations.

Fidelity Cooperative Bank is a profitable and growing $935MM mutually chartered bank dedicated to their LifeDesign Culture which is essentially a commitment to create an environment of trust and mutual respect that inspires people to achieve great things for the benefit of all employees and customers alike.

Chief Retail Banking Officer

Department: Retail Banking

Date: May 2019

Reports To: President, COO

OVERVIEW:

The Head of Retail Banking will be responsible for the overall leadership and management of Retail Banking, including the Branch Network, Branch Administration, , Non Deposit Investment Products (NDIP), Consumer Product Development, and Client Care Center. The primary role will be to ensure that we deliver the highest levels of sales and service for our clients consistent with the Bank’s LifeDesign philosophy and corporate values. Lead the growth of our client base through our Consumer Banking channel. Will work collaboratively with Digital Banking channel to drive innovation and provide a seamless and positive client experience. Additionally, the Head of Retail Banking is responsible for creating, maintaining, and implementing related policies and procedures that protect the bank while serving our clients. Maintaining best-in-class Risk, Audit and Compliance practices is key to success.

PRIMARY ACCOUNTABILITIES / RESPONSIBILITIES:

All employees of the Bank regardless of title or responsibilities must share a common commitment to our Servant Leadership Culture with the primary objective to create an environment of trust and mutual respect that inspires people to achieve great things for the benefit of all stakeholders. The Head of Retail Banking will be accountable to successfully build relationships, provide a seamless client experience at every touch point, and ensure that we add increased client value at every opportunity.

Provides the highest level of client service in a caring, positive, courteous and enthusiastic manner to employees, clients and the community.

Plays a key leadership role with enhancing overall customer satisfaction with Fidelity Bank and our LifeDesign culture.Ensures ongoing measurement and continuous improvement to Fidelity Bank’s client experience. Drives the LifeDesign advisory culture throughout retail banking.
Responsible for retail branch administration, and oversight of the Client Care. As such, this individual oversees the general operations of the branch delivery system, including strategic recommendations for technology and facility enhancements for efficient sales and service delivery.
Works closely with all business partners including, Operations, Mortgage Banking, Digital Banking, Commercial Lending, Small Business Banking, Marketing, Finance, Compliance, Strategic Innovation & Optimization Lab (SIOL), and Information Technology to implement new products, procedures, and technologies.
Responsible for driving key business objectives and growth consistent with the bank’s LifeDesign approach including deposits, consumer loans, mortgages, small business, and investments & insurance.
Responsible for the goal setting process for the Retail Banking, NDIP, and Client Care Center in support of achieving overall Bank goals and objectives.
Actively maintains regular oversight and manages the NDIP program bank wide.
Work collaboratively with Marketing to develop and execute initiatives and campaigns to support the Bank’s goals and growth targets.
Regularly monitors and evaluates branch volumes, transactions, and activities to ensure appropriate staffing levels. Responsible for effectively managing Branch staffing (including float/temporary/seasonal staff) at optimal levels, including recommending and implementing appropriate staffing models designed to maximize productivity and enhance service to our clients.
Fosters an environment of continuous learning and improvement both individually and with the team.
Fosters and encourages a positive and fun work environment for the team.
Actively attends and participates in community events and is a visible presence in the communities we serve.
Accountable for maintaining Compliance programs within Retail for successful regulatory exams and audits; ensuring policies and procedures are updated; and ensuring retail banking adherence to all risk, audit, compliance, security, and regulatory policies and procedures.
Responsible for coaching, mentorship, and development of retail leadership. Actively coach branch managers for performance and development, enhancing their skills and abilities in coaching their teams to meet and exceed goals and objectives.
In collaboration with the Bank’s Learning & Development area responsible for identifying training needs for Retail Banking, including evaluating outside vendors to deliver programs to the retail staff, where applicable. Will also develop ongoing technical, sales, and compliance training for the Branch staff.
In collaboration with appropriate members of consumer and commercial lending, responsible for Consumer and Small Business loans and deposit product generation throughout the branch system.
Oversees consumer product development and distribution through the branch system. Recommends product enhancements and new products. Serves on ALCO committee, provides competitive updates, and makes pricing recommendations and decisions.
Responsible for the development and implementation of budgets. Monitors all expenses with the accountability to achieve established budget targets.
Serve as a member of Senior Management in developing short- and long-range plans, strategies and policies. Serves on various management committees, i.e., ALCO, Senior Management, Strategic Planning, Product Committee, etc.
Works collaboratively with facilities to ensure overall general maintenance and repair of all branch facilities. Responsible for recommending branch renovations and supporting branch expansion planning and execution in alignment with the Bank’s strategic direction.
Serves as a leader for Business Continuity and weather events relative to impacts to Retail Banking and our clients.
Proactively as well as directed, provides regular qualitative and quantitative reporting and updates relative to individual and department performance.
Develops, maintains, and regularly updates ongoing tactical plans and performance in pursuit of achieving broader goals and objectives.
Responsible for ensuring compliance with Deposit and Loan functions at the branch.
Keeps current of industry trends and activities through attendance at seminars and workshops; monitors industry publications for relevant banking information.
Serves as liaison with outside vendors and third-party providers. Reviews and manages vendor contracts.
Various projects and duties that may be assigned or may change from time-to-time at the discretion of Executive Management.

POSITION REQUIREMENTS:

Bachelor’s Degree or equivalent experience. Track record of success with a minimum of 7-10 years leading a community retail banking area , including branch administration experience. Previous experience with digital banking channel and marketing is desirable. Strong sales management experience is desirable. Excellent written and verbal communication skills. Skilled and comfortable with public speaking and making presentations to both small and large groups. Excellent partnering skills with the ability to effectively interact with all levels of employees. Ability to be both detailed oriented and strategic depending on the situation. Good computer skills. Regional travel is required within our market area.

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

PHYSICAL DEMANDS:

WORK ENVIRONMENT:

For more information, please contact B.J. Berrettini, New England Recruiting Manager bberrettini@ajconsultantsllc.com570-714-3112

Our client, a $300MM community bank is seeking an experienced Mortgage Loan Officer. The bank recently opened up a new retail branch in the St. Charles area and are in a growth period. The bank is looking for a successful Mortgage Loan Officer to hep build their brand and portfolio. The position reports directly to the CEO and comes with a base salary plus commissions.

Mortgage Loan Officer Job Duties:

Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers.
Protects banks image by keeping mortgage loan information confidential.
Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
Meet or exceed goals established by the bank.
Accomplishes bank mission by completing related results as needed.

Mortgage Loan Officer Skills and Qualifications:

Sales, Financial Skills, Customer Service, Confidentiality, Decision Making, Verbal Communication, Professionalism, Marketing Skills.
Bachelor degree or 3-5 years of related banking experience.

For more information please contact Austin Ressler at 207-298-9746 or aressler@ajconsultantsllc.com.

Avidia Bank – SVP, Chief Marketing Officer

AJ Consultants has been retained by Avidia Bank ($1.59B mutual bank) to help fill their SVP, Chief Marketing Officer position. Under the direction of the EVP, Chief Operating Officer this position will be responsible forall aspects of the bank’s marketing function including branding, demand generation, public relations, social media, traditional and digital marketing, campaigns, promotions, events and sponsorships, market research, and data analytics.

Essential Duties and Responsibilities:

Performs any functions necessary, within scope of authority and expertise, to provide the highest level of service and responsiveness to customers to generate measurable business results:

Develops and executes the bank’s long-range and short-term strategic and tactical marketing plans.

Determines Marketing Department goals and objectives and ensures that marketing plans align with overall strategic plan goals.
Tracks, measures and reports on progress against strategic and tactical plans.

Develops and maintains brand positioning strategy which reflects the Bank’s long-term business and segment strategy
Leads development of Bank’s brand position and differentiated value proposition

Develops and executes plan and measurement to increase brand awareness and preference among desired business and consumer segments
Develops and implements brand identity standards across the organization, ensuring consistency in messaging, look and feel of communications.

Develops demand generation strategy, plan and tactics to reach specific business and consumer segments, driving increased new household acquisition

Uses analytics and insight to understand each segment’s unique purchasing journey, and tailors traditional and digital marketing tactics to move prospects through the marketing and sales funnel, creating qualified leads for sales forces.
Collaborate with others to develop product, pricing, value proposition, and offers appropriate for each customer segment

Develops and implements effective on-boarding and relationship-deepening programs for existing customers

Uses data analytics to identify propensity of purchase, and to prioritize which opportunities to pursue
Leverage traditional and digital techniques to build client engagement and relationship depth over time

Responsible for integrated campaign development, implementation, and measurement.

Collaborate with lines of business to develop integrated sales and marketing campaigns
Determine and implement appropriate marketing mix of: events, PR, content, digital and traditional media, mail, email, etc
Lead the creative development either through in-house resources or through third party vendor relationships.
Establish goals and KPIs and develop measurement and reporting

Leads the development and analysis of customer and market analytics to inform target market segmentation and provide customer insight to business partners.
Assemble consumer insights and brand positioning strategy as inputs into the campaign development process.
Directs the bank’s digital assets including social media and website development, enhancement and update.
Manages the development and fulfillment of customer satisfaction and marketing research surveys to ensure the customer experience is consistent with the brand promise.

Is proactive in identifying to management specific products, technologies processes, and policies which are inconsistent with delivering on the brand promise

Leads the development, production and coordination of the Bank’s various traditional and digital marketing collateral materials.
Effectively communicates with Avidia colleagues, introducing them to new marketing initiatives and campaigns prior to external launch.
Establishes and manages the Marketing budget, including establishing key performance metrics, creating optimal budget allocation, reporting on results, evaluating success and adjusting accordingly.
Determine appropriate level of resources necessary to fulfill marketing objectives, and determine what activities are best performed by internal staff versus external third parties.

Select and manage appropriate third parties (advertising agency, PR firm, analytics and direct marketing partner, SEO partner, etc.)
Establish and implement appropriate events and sponsorship program to support the bank’s business and community relations strategies.
Represent the Bank through participation in various community and industry related activities. Actively promotes interest in the Bank wherever and whenever possible.

Performs all duties in accordance with prescribed regulatory compliance guidelines.

Job Requirements:

Bachelor’s degree in Marketing, Communications or related business discipline. Master’s degree and/or additional industry and professional certifications preferred.
10 years of marketing experience including at least 5 years within a depository institution. Three years leading a marketing team developing and executing on the organization’s strategic plan.
Ability to develop a marketing strategy that will deliver results aligned with our corporate vision and business plan.
Strong background in data analytics and research as it relates to market segmentation, customer behavior and data driven marketing.
Strong knowledge of and experience using full range of digital marketing tools, including: social media, Search Engine Optimization, Paid Search, Content marketing, and Marketing Automation/CRM.
10+ years of progressive senior leadership experience in strategic marketing and business development.
Experience in developing successful demand generating marketing programs for both businesses (B2B) and consumers (B2C)
10+ years of broad functional experience in the areas of strategic planning and marketing, business and market development, market research and planning, and promotions/advertising.
10+-year track record of developing successful, innovative, cost-effective marketing campaigns; and expert-level experience using anal