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all appropriate information is updated and maintained, such as credit memos, financials, correspondence, etc.., and all outdated information is removed.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.

General Summary: 

The Business Banker is responsible for performing intermediate duties and support related to branch operational activities and financial services; handles all teller transactional activity,  processes all new account transactions; assisting customers in their selection of various accounts and financial services; cross-selling the Bank's products and services; opening, maintaining and closing of all account types; performing branch clerical duties; promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The position of Business Banker also is required to be fully knowledgeable and skilled in the areas of new account desk, teller, and safe deposit.

Essential Duties and Job Responsibilities:

1. Provides support to all assigned areas of branch operations where service or assistance is needed, including platform area, teller line, and safe deposit.
2. Perform regular daily, weekly and monthly customer service duties.
3. Maintain a cash drawer to process client transactions.
4. Handle large sums of cash accurately and efficiently. Maintain Cash Limits. Perform all phases of teller work.
5. To achieve and maintain customer satisfaction through excellence in service delivery, follow up and problem resolution.
6. Assist consumer and business customers in their selection of various accounts, products and financial services available from the Bank; ensures cross-sell opportunities are presented by applying professional sales techniques.
7. Interviews customers to obtain information; establishes proper identification of new customers; determines need and extent of reference investigation.
8. Assist management with business phone calls and client outreach as necessary to achieve budget goals.
9. Prepare for audits.
10. Alternate opening and closing branch with management.
11. Maintains a working knowledge of the complete line of products and services offered. Takes responsibility to keep up to date and request assistance for further development needs.
12. Perform all other duties assigned by management.

OTHER RESPONSIBILITIES

-

EDUCATION, CERTIFICATION, EXPERIENCE:

Education:

Required:  High School Diploma or GED

Preferred: Associates Degree

Experience:

Required:  Cash Handling Experience and 1 Year Customer Service Experience

Preferred: 2 Years Banking Experience and 1 Year Sales Experience.

KNOWLEDGE, SKILLS, ABILITIES:

• Required: Needs the ability to maintain a positive and professional attitude at all times.  Accurately count currency, friendly and outgoing personality, good customer service skills.  Good decision making skills.  Must be able to make quick informed decisions and seek assistance when needed.  Must be a team player and work well with co-workers and management. Must have the ability to work with minimal supervision. This position has a high level of confidentiality. This position has access to customer's financial information, accounts, security procedures and closing procedures. High levels of internal & external contact with the public and departments
• Preferred: This position also requires organization, the ability to work at a fast pace and perform multi-tasks, the knowledge of the bank policies and procedures for the teller line & customer service, and good judgment skills. An ability to handle change, stress and the pressures of daily activity when multi-tasking and working at a fast pace.

WORK ENVIRONMENT:

Position is performed in a branch setting with some external business conduct.

Equipment Operations: Network System, Computer (various software programs), adding machine, office equipment.

PHYSICAL DEMANDS:

-

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.

General Summary:

The position is responsible for the development, implementation, and testing of all required policies and procedures to keep the firm in regulatory compliance as set forth in the Investment Advisers Act of 1940.

Essential Duties and Job Responsibilities:

• Work in conjunction with the Chief Compliance Officer (CCO) to develop, implement, and supervise all regulatory policies and procedures to prevent any and all firm violations, which could produce significant monetary and reputational damage to the firm.
• Maintain all relevant policies and procedures based upon regulatory requirements, industry practices, as well as the compliance and forensic testing of all internal controls of the firm.
• Along with the CCO implement the necessary risk assessment reviews in order to ensure the firm’s activities remain in compliance with all aspects of regulatory and industry standards and practices.
• Perform all daily, monthly, quarterly and annual compliance reviews, including the submission of all reports and updates to the regulatory bodies.
• Assist the CCO in providing training and advice on all applicable rules, regulations, and firm policies to firm staff.

Other Responsibilities:

• The position requires strong communication with senior management to discuss any and all new or changing policies and procedures, along with the timely reporting of any violations. 
• Ability to communicate and educate any and all changes to staff.
• Point of contact for regulators and auditors.
• Other responsibilities as assigned by management.

Education, Certifications, and Experience:

Education: Business or Finance Required: Bachelor’s Degree

Preferred: Certifications are a plus, but not required

Experience: Financial Industry Required: 3 years or more

Preferred: Compliance experience, but not required

 Knowledge, Skills, and Abilities:

• Confidentiality: This position has access to all company information ranging from client information to corporate financials.

• Mental Application: This position must demonstrate the ability to effectively analyze situations, absorb large amounts of information, and apply judgment to resolve issues in a timely manner, in addition to the development of the firm’s policies and procedures.

• The ability to effectively demonstrate strong communication skills, both oral and written, in order to draft clear and professional correspondence, policies and procedures, as well as correspond with regulators and auditors.

Work Environment:

• Working Conditions: This job requires both time in the office environment and travel to meet all requirements.
• Equipment Operations: This position requires proficiency in the Microsoft Office Suite, Salesforce (CRM Software), Tamarac (Portfolio Management Software), and NETX360 (Custodian Proprietary Software), along with various compliance-specific software programs.

Special Note:

External and internal applicants, as well as position incumbents, must be able to perform the essential job functions as set forth above. Hudson Valley Investment Advisors, Inc. 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.