Open Positions

Because Seamen’s remains a relatively small community bank, it is expected that all employees will contribute above and beyond the duties that are listed in any “job description” or “posting”.  In addition to the duties listed below, all employees are expected to perform any function necessary within the scope of expertise and authority to provide the highest level of customer service and to increase the productivity of the Bank. It is expected that all employees will continually strive to improve, by educational resources made available, especially in regard to security and compliance procedures.

Summary:  The Quality Control Specialist is responsible for ensuring that all loan production conforms to bank and secondary market standards for file accuracy, enforceability, security and regulatory compliance. 

Essential Duties and Responsibilities include the following:

• Review loan applications and all supporting documentation (i.e., financial statements and employment history) to assess borrowers credit worthiness and ensure product guidelines and regulations are met
• Review and provide corrective action of findings to management regarding problem loan applications
• Review closing documents to ensure they meet regulatory guidelines and follow up with loan office and/or bank attorney for any corrective action
• Review LE and CD to ensure REG Z TILA compliance
• Review flood files
• Participate in writing procedures
• Maintain proficient knowledge of, and demonstrate ongoing compliance with, all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures and internal controls, and meet all job-specific requirements in a timely fashion
• Work with others involved in the Lending function to detect, track and correct loan defects and to ensure accuracy of the information. 
• Resolve issues of legality, enforceability, or non-compliance with legal and regulatory requirements
• Ensure regulatory compliance as it relates to all areas of the lending function and, REG B RESPA,TRID and HMDA. 
• Coordinate and support internal and external audits and QC reviews and assists in formulating responses and implementing corrections.
• Keeping abreast with ongoing secondary market changes as it relates to QC
• Assist with risk assessments, may conduct user access reviews and help maintain associated records for assigned technologies.
• Assist with the administration of the loan origination system as may be needed. 
• Assist in preparing and distributing a variety of recurring quality control reports.
• Assist in Commercial and Consumer file review
• Other duties as assigned.
• Represent the bank through participation in community and industry organizations and promotes the interests of the bank throughout the community.

Qualifications and/or Educational Experience:  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.

• Bachelor’s degree or its equivalency in lending specific training and/or experience.
• A minimum of five years of mortgage lending and knowledge of compliance.
• A demonstrated expertise in secondary market guidelines, industry standards and regulatory requirements. A strong working understanding of loan origination and lending related systems.
• Effective analytical, organizational and problem-solving skills. Excellent communication and customer service skills. The ability to work effectively with other areas of the organization and employees at all levels.
• Requisite mathematical skills, communication skills (verbal and written), computer skills, reasoning ability, and problem-solving capabilities.  
• Strong computer skills, experienced with Lending software, Word, Excel and Outlook
• Confident, self-starter who can work independently and needs minimal supervision.
• Proficiency to multi-task, follow-up and follow-thru.
• Strong time management and organizations skills.

Supervisory Responsibilities:  This job has no supervisory responsibilities.

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 must have the ability to sit at a computer for long periods of time and be able to place and retrieve information in and from file cabinets.

To apply, please send cover letter and resume to the attention of: hr@seamensbank.com

Seamen’s Bank is an Equal Opportunity Employer

Because Seamen’s remains a relatively small community bank, it is expected that all employees will contribute above and beyond the duties that are listed in any “job description” or “posting”.  In addition to the duties listed below, all employees are expected to perform any function necessary within the scope of expertise and authority to provide the highest level of customer service and to increase the productivity of the Bank. It is expected that all employees will continually strive to improve, by educational resources made available, especially in regard to security and compliance procedures.

Summary: The Credit Analyst contributes to the achievement of the Commercial Loan Department’s goals as it relates to revenue and portfolio growth, asset quality and compliance.

Specifically, the Credit Analyst will work closely with the commercial lenders to manage the credit risk and quality of the commercial loan portfolio.  Primary responsibility is to provide credit analysis of new and existing loans by researching and gathering information in order to prepare a loan approval memorandum, conducting financial analysis of business entities and individuals, and assigning and verifying the appropriate risk rating for new and existing borrowers.  All duties and responsibilities will be performed while adhering to Seamen’s Bank policies and procedures, and all applicable laws and regulations. Note: Training provided for right candidate.

Essential Duties and Responsibilities include the following:

• Conduct in-depth analysis of company financial statements and tax returns to determine credit strengths and weaknesses of existing and potential borrowers.  The analysis includes, but is not limited to, business and global cash flow analysis, trend analysis, collateral valuation, guarantor analysis, and interest rate sensitivity analysis.
• Review, analyze and interpret credit reports, personal financial statements, and tax returns.  Spread financial information utilizing financial statement spreading software.
• Prepare credit memorandum for new loan requests, renewals, reviews, modifications, and extensions.
• Accurately identify loan policy exceptions and mitigating factors.
• Confer with the Senior Vice President of Commercial Lending to ensure relationships are appropriately risk rated.
• Work with loan officers and other staff to follow-up on missing financial information and other documents necessary for the credit analysis process. 
• Maintain a tracking mechanism for the receipt of financial information and other loan covenant requirements from borrowers and for the completion of annual reviews.
• Coordinate with loan officers to annually request current financial information from borrowers with lines of credit and/or with larger borrowing relationships, including preparing request letters for the loan officers.
• Provide assistance in the general administration of the commercial loan portfolio.
• Assist with the development of in-house real estate evaluations.
• Understand and maintain a thorough knowledge of the bank’s credit policies and compliance requirements. 
• Maintain knowledge of State Laws and lending regulations as they pertain to commercial loans.
• Provide other support as needed.

Qualifications and/or Educational Experience:  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.  

• A Bachelor’s degree (BS/BA) from a 4-year college or university which includes at least 18 credit hours of accounting/finance courses, and with 2-4 years of bank-related experience or training; or the equivalent combination of education and credit/accounting related experience.

Required Skills:

• Ability to read, analyze, and interpret financial statements, tax returns, business periodicals, professional journals, technical procedures, laws and governmental regulations. 
• Ability to write reports, business correspondence, and other forms of written communications as may be assigned.  
• Effective verbal skills and the ability to present information and respond to questions from managers, customers, and the general public.  
• Adept analytical and reasoning ability and problem-solving capabilities.
• Detailed-oriented, with strong organizational and time management skills, and a positive attitude and commitment to outstanding service. 
• Responsible and independent worker with strong interpersonal skills that interacts well with other employees, customers, and the general public.   
• Ability to prioritize and multi-task.
• Ability to handle sensitive and confidential situations and documentation.
• Proficient computer skills

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 must have the ability to sit at a computer for long periods of time and be able to place and retrieve information in and from file cabinets.

To apply, please send cover letter and resume to the attention of: hr@seamensbank.com