General Summary: 

This is an 18-month training program for new or recent college graduates that are interested in getting into the banking industry.  Over the course of 18-months you will learn to provide support to Commercial Lenders; Provide assistance with daily duties in underwriting, manage existing portfolio, draw downs, wire transfers, and credit line increases/renewals.  At the end of the training program, you will become a full Portfolio Manager.  

Essential Duties and Job Responsibilities:

1. Collect/review all required financial data prior to submission to Credit, pre-closing and post-closing.
   1. Spread all business returns, financial statements, personal financial statements rent rolls.
   2. Run all D&B and Experian credit reports. UCC Searches.
   3. Complete all HMDA forms.
   4. Lender portion of loan presentations.
   5. File all documents, create new files.
2. Review/approve all financial information request letters prior to mailing to customer to ensure request is accurate and timely.  Manage financial information collection process.
3. Review/manage pending loan maturities 90 days prior to maturity date to ensure there are no administrative past dues and to eliminate last minute extensions. 
   1. Correspond with loan officer and customer to take inventory on financials and determine whether all information for expiring loans is collected. Then follow everything under the first bullet above.
4. Identify/address credit weaknesses/deficiencies, including non-compliance with financial covenants.
5. Manage annual reviews; identify/report significant changes in financial status of borrowers, guarantors, or appraised values, etc.
6. Monitor/ Update classified loans on a quarterly basis.
   1. Quarterly Problem loan reports.
   2. Quarterly Portfolio Review Committee reports.
   3. Weekly credit/portfolio meetings.
7. Review assigned portfolio with Executive Management and Relationship Managers quarterly.
8. Interfacing with loan review, regulators and/or auditor as required, including follow up on cited loans
9. Assist in managing Credit file documents to ensure all appropriate information is updated and maintained, such as credit memos, financials, correspondence, etc.., and all outdated information is removed.
10. Handle special projects as assigned. Work closely with all members of the loan floor with all facets of loan process.
11. Manage closing checklist with Administration.
12. Prepare adverse action letters for customers.
13. Customer calls with assigned loan officers.
14. Manage site inspection process.
15. Review of loan documents prepared in house or by bank counsel to verify compliance with original credit approval.

* Special Note:  please note that your responsibilities may vary based on the phase you are in.  Please also refer to the Program details.

EDUCATION, CERTIFICATION, EXPERIENCE:

Education:

Required:  Bachelor’s Degree required in Accounting, Finance, Business, or Economics.

Preferred:  MBA or equivalent a plus.

Experience:

Required: 

Preferred:  Interest in the banking industry, Interest in Sales, Preferred experience in a sales environment

KNOWLEDGE, SKILLS, ABILITIES:

Role-Based Competencies:

• Must be a self-starter with initiative.
• Exceptional customer service ability.
• Excellent verbal and written communication skills.
• Excellent problem-solving and analytical ability.
• Represent bank in professional and friendly manner.
• Must have strong interpersonal skills.
• Must be proficient in Microsoft Office software and be able to quickly master the Bank’s operating system.

1. Leadership- This position requires someone with strong communication and leadership skills. Need the ability to maintain a positive demeanor, handle difficult situations and have an open mind. Needs to be able to handle change and pressure. Needs to coach, cross train and motivate employees. Needs the ability to assist customers and employees in a professional manner.
2. Confidentiality - This position requires a high level of confidentiality. This position has access to customer's financial information and personal information, employee records, and security and closing procedures.
3. Communication- This position has a high level of contact with the public and departments. This position also interacts with a large number of internal and external contacts.  Must be able to communicate effectively with vendors as needed.
4. Multitasking/Sound Judgment- Needs the ability to multitask, quick and accurate decisions and be organized.  Decisions need to be made in the best interest of the bank while mitigating any risk to loss.  Must be able to handle various processes at the same time, ie: taking customer calls while processing daily work or working on projects. 
5. Computer Skills/Technology- This position requires a high volume of computer usage, including core systems, vendor sites, new product testing, etc.  Should be familiar with copier/scanner/shredder equipment. 

WORK ENVIRONMENT:

• Flexibility to work additional hours including nights, weekends and holidays, as required.
• Typically the noise level in the work environment is low to moderate.
• Will have high volume of interactions in person and over the telephone.
• Fast-paced environment.
• May experience occasional job stress in response to job demands.  
• There are no significant hazardous conditions.

PHYSICAL DEMANDS:

1. Frequently required to sit for prolonged periods of time.
2. Frequently required to talk and hear.
3. Normal range of vision and hearing abilities required.
4. Mobility required greeting and assisting employees and visitors.
5. Frequently required to skillfully operate a computer, telephone and other standard office equipment.
6. Occasionally travel outside of work location to attend meetings and training programs.
7. Occasionally lift and/or move up to 20 pounds.

Special Note:

External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above.  Orange Bank and Trust Company is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of age, sex, sexual orientation, race, color, creed, religion, ethnicity, national origin, alienage or citizenship, disability, marital status, military or veteran status or any other legally-recognized protected basis under federal, state or local laws, regulations or ordinances.

Upon request, individuals with disabilities may be entitled to a reasonable accommodation. A reasonable accommodation is a change in the way things are normally done that will ensure an equal employment opportunity without imposing an undue hardship on the bank.  Please inform the Human Resources Department if you need assistance completing any forms or to otherwise participate in the application process or, at the appropriate time, to perform the essential functions of the job. 

This job description in no way states or implies that these are the only duties to be performed by an employee.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, based on the employee’s knowledge, skill and ability as well as his/her mental and physical abilities.

Ethan Allen’s client in Danbury, CT is seeking experienced Assemblers for a temp to hire opportunity. There is a lot of room for growth with this organization!

The Assembler will be using hand tools to assemble parts. The parts are large so you must be able to lift 40lbs regularly without assistance.

Assembler Job Duties:

• Follow standard operating procedures and written instructions
• Operate production equipment; utilize hand tools to complete assemblies in accordance with operation policies and procedures
• Communicate with other assemblers, technicians, manager and other department members as necessary
• Assist with repair work

You must be able to use small hand tools, read, write and communicate in English, have strong attention to detail and have the ability to stand for long periods of time.

EXPERIENCE IN MANUFACTRING ASSEMBLY IS REQUIRED.

This is a full time, temp-to-hire position, with first shift available 3:30pm-12:00am. Pay rate is $19.83 per hour.

Benefits offered once hired:

• Medical, Dental, and Vision coverage
• FSA/Dependent Care Account
• Wellness Program – which has a cash incentive and an on site gym
• 401K – matches 100% of contribution up to 6%
• Tuition Reimbursement
• Paid Vacation, Sick/Personal, and Holidays
• Company outings

If you are interested, please apply!
 

Equal Opportunity Statement

Applications are considered on the basis of skills, experience and qualifications without regard to race, age, creed, color, nationality, gender, sexual preference, marital status, military background, disability or any other legally protected status. All employment related decisions, including hiring, advancement, promotion, compensation, training, discipline, termination and all other terms and conditions of employment, are made in accord with this policy.