POSITION SUMMARY:
Accountable for the productivity, efficiency and effectiveness of the Bank’s lending compliance efforts, including the ability to develop and implement compliance plans and programs.
RESPONSIBILITIES AND ACCOUNTABILITIES:
• Develop/implement new lending compliance policies and procedures;
• Develop/implement lending compliance training programs;
• Develop/implement internal monitoring and tracking programs for all lending compliance regulations;
• Daily review and monitoring of bank-wide reports;
• Manage the conversion of merged/acquired financial institutions’ lending compliance efforts/revising loan disclosure where applicable;
• Work with Marketing on new product development to ensure regulatory compliance;
• Monitor and assist various departments is controlling risk associated with lending compliance and maintaining self testing documentation on the same;
• Assist the Loan area in achieving a “satisfactory” or better audit rating for operational and compliance audits and to immediately implement corrective action to remedy deficiencies reported by the auditors (subject to the concurrence of Compliance Officer).
• Stay abreast of all lending compliance regulatory changes and to implement timely changes in Loan Origination or Loan Servicing practices or servicing procedures as may be necessary to maintain a satisfactory level of regulatory compliance. Oversee self-testing measures and reports to the Compliance Officer on the effectiveness of lending compliance programs for Loan Origination/Servicing related functions.
• Consistently reviews the work of Loan Origination/ Servicing employees to ensure that prudent controls are maintained and to prevent internal fraud or defalcation.
• Provides employee training to successfully implement operational or procedural changes related to lending compliance.
MINIMUM QUALIFICATIONS:
• 5 years of banking compliance, lending and/or auditing experience.
• Extensive knowledge of banking laws and regulations
• Bachelor’s Degree
• Excellent oral and written communication skills
• Proven ability to collaborate with many departments.
The Bank is in full compliance with the Americans with Disabilities Act (ADA) and does not discriminate with regard to applicants or employees with disabilities, and will make reasonable accommodation when necessary.
OneUnited Bank is an Equal Opportunity Employer M/F/D/V.
Submit your resume for this position!
POSITION SUMMARY:
Manages a portfolio of performing and non-performing commercial real estate loans.
ESSENTIAL JOB FUNCTIONS:
* Develops and recommends strategies to maximize recovery and reduce losses and ensure effective restructuring, recovery or charge-off of adversely graded loans.
* Works with officials of lending and borrowing institutions to better secure collateral, equity or other assets of the borrower.
* Engages in other activities designed to preserve the loan principal, collect interest as possible, or charge-off the loan if appropriate.
MINIMUM QUALIFICATIONS:
* Bachelor's degree, or equivalent work experience
* Seven or more years of experience in lending/account management activities
* Considerable knowledge of credit legal principles, accounting, economics, and financial statement analysis
* Considerable knowledge of lending interest rates, loan terms and conditions, and real estate methodologies
* Strong negotiation skills
* Well-developed customer service/relations skills
* Excellent interpersonal, verbal and written communication skills
The Bank is in full compliance with the Americans with Disabilities Act (ADA) and does not discriminate with regard to applicants or employees with disabilities, and will make reasonable accommodation when necessary.
OneUnited Bank is an Equal Opportunity Employer M/F/D/V.
Submit your resume for this position!
POSITION SUMMARY:
Responsible for the underwriting of multi family and commercial loans in accordance with the guidelines, policies and procedures set forth by the Bank. Work with a team of lending professionals to originate multi-family and commercial loans for the Bank’s portfolio. Additional duties may include support in the loan origination and loan servicing areas to support the Lending Department.
RESPONSIBILITIES AND ACCOUNTABILITIES - essential job functions include but are not limited to:
1. Underwrites multi-family and commercial real estate loans
2. Provides clear and detailed analysis based on a thorough understanding of debt service ratios, cash flow, appraisal, credit analysis, CAP rates, etc.
3. Complies with all compliance regulations and the Bank’s policies and procedures in order to achieve satisfactory ratings from internal and external auditors.
4. Answers inquiries regarding the Bank’s current loan programs, policies and pricing.
5. Interfaces with Multifamily Loan Consultants, brokers and management in preparing loan packages for Senior Loan Committee approval.
6. Reviews and analyzes appraisals to evaluate the market value and determine that the property meets the Bank’s standards and qualifies as security for the loan requested.
7. Works closely with loan processor and funder and counter signs loan decisions consistent with program parameters as needed.
8. Performs other duties to support the overall Lending Department as assigned.
REGULATORY KNOWLEDGE:
Position requires a high level of understanding of the following Compliance Regulations:
• Equal Credit Opportunity Act (Regulation B)
• Fair Housing Act
• Home Mortgage Disclosure Act (Regulation C)
• Flood Disaster Protection Act
• Bank Secrecy Act
MINIMUM QUALIFICATIONS:
Qualified candidates must have:
• A minimum of 5-years of multi-family residential underwriting experience
• A thorough understanding of 5-36 multi-family units and commercial real estate underwriting guidelines and process
• Excellent analytical skills
• The ability to handle multiple tasks while meeting deadlines
• Good organizational skills
• Excellent verbal and written communication skills
• Advanced computer skills
• High School Diploma required, Bachelor Degree preferred
• A high level understanding of compliance regulations
The Bank is in full compliance with the Americans with Disabilities Act (ADA) and does not discriminate with regard to applicants or employees with disabilities, and will make reasonable accommodation when necessary.
OneUnited Bank is an Equal Opportunity Employer M/F/D/V.
Submit your resume for this position!
POSITION SUMMARY: Provides extraordinary customer service by processing basic transactions and handling customer inquiries and questions. Perform various sales activities such as cross-selling existing products and obtaining referrals for loan deposits.
1. Consistently sells and cross sells the banks services and loan products
2. Serves customers at a window, processes a variety of customer transactions within approved limits, balances cash and transactions.
3. Receives commercial and individual checking deposits, verifies cash and endorsements, issues receipts either at the window or by mail.
4. Accepts checks for cashing and verifies endorsement validity. Refers large or unusual or questionable transactions to the supervisor. Receives savings and club deposits, pays withdrawals after verifying balances and signatures.
5. Receives mortgage, installment loan payments, checking the due date.
6. Sells money orders and treasurers check; receives US savings bonds for payment.
7. Make concentrated effort to solve customer problems.
8. May perform related clerical functions such as filing signature cards, or typing duties as requested by the supervisor.
MINIMUM QUALIFICATIONS:
High School Diploma or GED required, Associateandiexcl;andbrvbar;s Degree or equivalent a plus. A minimum of 1-year experience handling cash, preferably in a banking environment.
The Bank is in full compliance with the Americans with Disabilities Act (ADA) and does not discriminate with regard to applicants or employees with disabilities, and will make reasonable accommodation when necessary.
OneUnited Bank is an Equal Opportunity Employer M/F/D/V.
Submit your resume for this position!
POSITION SUMMARY:
Originates multi family (5 to 36 units) loan applications in compliance with bank policies and procedures.
RESPONSIBILITIES AND ACCOUNTABILITIES:
* Soliciting loans from brokers and prospective multi-family borrowers on behalf of OneUnited Bank.
* Initiating relationship with potential referral sources, for the purpose of securing applications for loans to be secured by primary mortgage instruments.
* Preparing loan packages in a format established by the Bank
* Monitoring the progress of each loan application submitted, working with the loan applicant and/or broker to guide the loan package through the approval and funding stages in a timely and efficient manner.
* Comply with all Federal and State laws and regulations and bank policies and procedures.
* Working in cooperation with the lending team to take all necessary steps to consummate the loan transaction and insure the entire proper document has been received.
* Accountable for business pipeline and territory management reporting
MINIMUM QUALIFICATIONS:
* Experience with originating 5-36 multi-family unit loans.
* Proven loan originator, skilled in negotiation and selling with impeccable reputation.
* High School Diploma or Associate¡¦s Degree required, Bachelor's Degree a plus
* A self motivated, accountable, team player with excellent verbal and written communication skills.
* Knowledge of local markets, banking, credit functions and regulations.
The Bank is in full compliance with the Americans with Disabilities Act (ADA) and does not discriminate with regard to applicants or employees with disabilities, and will make reasonable accommodation when necessary.
OneUnited Bank is an Equal Opportunity Employer M/F/D/V.
Submit your resume for this position!
POSITION SUMMARY:
Responsible for processing loan packages in accordance with Agency and portfolio guidelines. Assembles and verifies accuracy of documentation for all types of loans.
ESSENTIAL JOB FUNCTIONS:
1. Ability to handle heavy volume of transactions and multiple tasks as required.
2. Ability to read complex loan agreements to determine appropriate documentation.
3. Must be detail oriented with strong organizational and follow-up skills.
4. Reviews loan applications for completeness.
5. Submits completed loan applications to the Underwriter for final loan decision.
6. Assures completed loan packages meet the bankandiexcl;andbrvbar;s lending policies and Federal and State Regulations.
7. Reviews and analyzes credit reports and identifies discrepancies to the underwriter.
8. Orders appraisal, request review appraisal and property inspection as required.
9. Reviews ownership vesting for accuracy on preliminary title report.
10. Verify up front disclosures for completeness.
11. Review files to determine if any opening items have been omitted, and if additional items are required, request the item from the appropriate party.
12. Request escrow instructions, preliminary title report, deposit receipts, and any items required to be submitted by the escrow officer.
13. Updates status of the loans and lending system.
14. Ensures loan files have the executed verification forms.
15. Determines if the loan package meets the banks policies and guidelines and notifies the Manager of problems concerning the files.
16. Other duties as assigned.
MINIMUM QUALIFICATIONS:
High School Diploma or GED required, Associatea Degree or equivalent a plus. Minimum of four years mortgage lending experience, good communication, interpersonal and computer skills.
The Bank is in full compliance with the Americans with Disabilities Act (ADA) and does not discriminate with regard to applicants or employees with disabilities, and will make reasonable accommodation when necessary.
OneUnited Bank is an Equal Opportunity Employer M/F/D/V.
Submit your resume for this position!
POSITION SUMMARY:
Responsible for developing and managing a bank wide audit program --- reviewing compliance, evaluating operations, recommending controls and protecting assets. Developing and improving strategies for internal controls and risk assessment procedures. Interface with external auditors and act as liaison for state and federal regulators.
RESPONSIBILITIES AND ACCOUNTABILITIES - essential job functions include but are not limited to:
• Manages the internal audit function for the Bank and ensures the timeless, accurateness, and completion of all assignments.
• Develops and administers the annual audit plan and budget.
• Coordinate audit work with senior managers.
• Coordinate audit work with the independent public.
• Provide timely, relevant audit and other reports to management and the Audit Committee.
• Review the impact of system and organizational changes on the internal audit structure, audit plan, and internal control environment of the Bank.
• Follow-up on audit findings from internal audit reports and external examination reports.
• Establish and maintain an effective system of communications throughout the organization.
• Act as liaison with Federal or State Regulators on behalf of the Bank.
MINIMUM QUALIFICATIONS:
• Bachelor’s degree in Accounting, Finance or Business (MBA or CPA preferred)
• 10 years of audit experience with a minimum of 5 years in a financial institution and two years in a management position.
• Excellent analytical, oral and written communication skills and ability to collaborate with a strong team of managers are required.
• An astute knowledge of the Federal Regulation as they apply to Banking.
• Direct experience with regulators, auditors, and other consultants in the industry.
The Bank is in full compliance with the Americans with Disabilities Act (ADA) and does not discriminate with regard to applicants or employees with disabilities, and will make reasonable accommodation when necessary.
OneUnited Bank is an Equal Opportunity Employer M/F/D/V.
Submit your resume for this position!
