careers at manasquan bank

ESSENTIAL DUTIES AND RESPONSIBILITIES
1. Perform detailed financial analysis on business entities and interprets the financial information based on financial statements, tax returns and company prepared documents. 
2. Perform credit, personal financial statement and personal cash flow analysis on individuals and guarantors in order to determine financial strength and credit enhancements based on financial statements, tax returns and reports.
3. Prepare credit presentations for new approvals, renewals and reviews based upon financial analysis for presentations to loan officers, loan committee and board.
4. Assist with presentations of loans to loan committee and board.
5. Prepare and maintain accurate loan records, regulatory reporting information and necessary searches. 
6. Recommend specific loan structures to enhance credit quality.
7. Accompany lenders on customer site visits and customer interviews.
8. Maintain accurate knowledge of MB credit, practices and regulatory policies to assist bank in compliance. 
9. Maintain accurate tickler systems with regard to financial information and loan covenants. 

SPECIFICATIONS / QUALIFICATIONS
1. Bachelor’s degree in Business Administration, Finance, Accounting, Economics or equivalent work background and experience.
2. Minimum 1 year credit analysis or equivalent financial analysis experience required. 
3. Strong analytical skills including the ability to read and assess individual and company financial statements, tax returns, cash flow, industry and competitive analysis and projections.
4. Strong background in commercial and small business underwriting and lending.
5. Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner with minimal direction. 
6. Strong written and verbal skills
7. Strong problem recognition and resolution skills
8. Ability to work independently and within a team
9. Working knowledge of all commercial products and services. 
10. Assist in monitoring construction loans.
11. Proficient in various spreadsheet and Word processing applications

ESSENTIAL DUTIES & RESPONSIBILITIES 

• In consultation with the Chief Operating Officer, develops short and long-term goals and objectives for facilities maintenance.
• Coordinate with Security Officer the maintenance of electronic security systems such as door locks and key controls to ensure building security.
• Inspects facilities and equipment to determine need and extent of service and equipment required.
• Develops, implements and administers policies and procedures for the Bank’s facilities maintenance functions.
• Oversees and directs maintenance workers.
• Is responsible for the general maintenance of all Bank properties, ensuring that all mechanical equipment, such as air conditioners and heating systems, are functioning properly. Ensures the performance, condition and reliability of all plumbing, mechanical and electrical services.  Contact and follow for scheduled preventative maintenance on all mechanical systems.
• Is accountable for the overall physical condition of all Bank properties, including snow removal, cleaning services, lawn care and such building maintenance tasks as replacing light bulbs and broken windows. Ensures safety of all consumers, customers, and staff.
• Assists in the preparation of the facilities budget. Negotiates facilities maintenance service contracts with vendors, determining that costs, service responsibilities, warranties, and other terms and conditions are understood clearly and meet the cost constraints of the Bank and departmental budget.
• Participates in renovation and remodeling planning for the Bank. Meet with department heads and coordinate the remodeling of Bank structures and offices.  Prepares work specifications and contact contractors to obtain job bids.  Participates in selection of independent contractors.  Coordinate and inspect the work of independent contractors to ensure that work is performed in a timely manner and meets job specifications.
• Establishes a job priority for facilities maintenance and repairs, evaluating the need, time, and cost constraints of all work requested.
• Purchases equipment and supplies as necessary or as may be required. Approves all bills associated with the facilities according to established accounting procedures and departmental approval policies.
• Contacts vendors for servicing general facilities contract, maintains equipment maintenance records and branch maintenance contact log, including the review of service invoices to ensure that service covered under the maintenance agreement(s) is not paid separately.
• Other duties as assigned.

JOB REQUIREMENTS  

• 7 – 10 years of Facilities Management experience
• An extensive understanding of a variety of mechanical operating systems to ensure that Bank properties are maintained properly and to review the bids and work performed by contractors.
• Is on 24-hour call to respond to equipment failures and facility problems.
• Excellent interpersonal skills and the ability to interact in a pleasant, cooperative, and timely manner with internal and external personnel at all levels.
• Computer proficiency in Microsoft Office.
• The ability to communicate clearly and accurately in verbal and written format.
• A strong competency to work accurately and efficiently under pressure and organize time, resources, and set priorities to accomplish multiple duties.