careers at manasquan bank

ESSENTIAL DUTIES & RESPONSIBILITIES

• Manage the activities of the Accounting department including the monthly and quarterly closing process, accurate and timely processing of accounts payable, employee expense reports, payroll expense, investment transactions and all daily accounting activities.  
• Maintains the Bank’s accounting systems and records.
• Ensure that financial reports comply with generally accepted accounting principles and relevant regulations.  
• Maintains adequate system of internal control over the accounting records and that accounting procedures are complying with generally accepted accounting principles.
• Develop, implement, and ensure adherence to the Bank’s accounting policies and procedures.
• Assists in ensuring the accuracy and timeliness of internal and external financial reporting including:
• Regulatory reports in compliance with FDIC regulation, including quarterly Call Report and Holding Company reports to the Federal Reserve.
• Internal reporting to the Board of Directors and members of management.
• Assists in preparation of ad hoc reports for use by the CFO and CEO and other members of senior management.
• Research accounting topics and perform analyses to assess the impact to the Bank, including managing/implementing resolution.
• Provide accounting expertise to the review, assessment and integration/consolidation of mergers and acquisitions including general ledger integration, core system conversion, fixed asset conversion, investment portfolio conversion, accounts payable conversion and purchase accounting.
• In conjunction with the Bank’s third-party consultant, assists in the timely and accurate filing of the Bank’s income tax returns and maintenance of supporting records.
• Assists in reviewing and preparing quarterly tax provision and year-end disclosures and reconciling book tax balances with final tax return amounts.
• Assist external auditors and regulatory examiners by facilitating their audit/exam requests.
• Evaluate existing processes for efficiency and enhancement opportunities to ensure quality results in a timely and accurate manner.
• Build and maintain a high-performance culture through effective employee development and timely performance management, providing ongoing coaching and leadership to achieve desired results.

JOB SPECIFICATIONS

• Excellent leadership and interpersonal skills with the ability to interact in an appropriate and timely manner
• Ability to problem solve and troubleshoot issues in real time
• Ability to communicate clearly and accurately in both verbal and written form
• Ability to manage time, resources, and set priorities to accomplish multiple duties; high degree of flexibility
• Ability to maintain and report on confidential information in an appropriate manner
• Exhibit client-focused and detail-oriented mindset
• Proficient computer skills; advanced Microsoft Word and Excel skills
  • working knowledge of automated financial software packages (general ledger)
• Relies on operational and strategic experience to plan and accomplish tasks
• Performs a variety of high level technical and analytical tasks on an independent basis
• Thorough knowledge of accounting concepts and practices under GAAP
• Strong analytical and technical skills with an exceptional aptitude for numbers
• Comprehensive knowledge of operating and accounting systems in a financial services environment
  • excellent knowledge of financial institution policies and procedures

EXPERIENCE & EDUCATION

• Bachelor’s degree; concentration in Finance or Accounting
• 8+ years of experience in financial services with a concentration in public accounting or private banking.
• 5+ years of experience in a leadership position managing direct reports
• CPA certification strongly preferred

ESSENTIAL DUTIES AND RESPONSIBILITIES 

· Perform detailed financial analysis on business entities and interprets the financial information based on financial statements, tax returns and company prepared documents. 

· Accounting, financing, traditional cash flow, UCA and property analysis knowledge.  

· 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. 

· Prepare credit presentations for new approvals, renewals and reviews based upon financial analysis for presentations to loan officers, loan committee and board. 

· Assist with presentations of loans to loan committee and board. 

· Prepare and maintain accurate loan records, regulatory reporting information and necessary searches.   

· Recommend specific loan structures to enhance credit quality. 

· Accompany lenders on customer site visits and customer interviews. 

· Maintain accurate knowledge of MB credit, practices and regulatory policies to assist bank in compliance.  

SPECIFICATIONS / QUALIFICATIONS 

· Bachelor’s degree in Business Administration, Finance, Accounting, Economics or equivalent work background and experience. 

· Minimum one year credit analysis or equivalent financial analysis experience required.  

· 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. 

· Strong background in commercial and small business underwriting and lending. 

· Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner with minimal direction.  

· Strong written and verbal skills 

· Strong problem recognition and resolution skills 

· Ability to work independently and within a team 

· Working knowledge of all commercial products and services.  

· Assist in monitoring construction loans. 

· 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. 

ESSENTIAL DUTIES & RESPONSIBILITIES 

· Foster a relationship banking environment by successfully assessing customer needs and recommending/advising appropriate bank products and services.     

· Opening new accounts business and personal and performing maintenance on existing accounts as requested, following established Bank policies and procedures, motivate UB I and UB II to meet/exceed performance goals.     

· Provide personalized banking services to current and prospective customers, consistently seeking to expand customer satisfaction and retention and provide the highest level quality customer service.     

· Facilitate customer satisfaction and retention by successfully researching and resolving customer issues and inquiries.      

· Provide first level supervision to the Universal Bankers and Tellers ensuring that customers are serviced quickly and efficiently.     

· Provide on-going coaching, counseling and UB/Teller development. Administer training as necessary and completion of quarterly performance standard measurement reports.     

· Assist in locating cash differences, ensure minimum proving differences and controllable losses. Escalate matters to Retail Branch Management for further attention.     

· Participate in the corrective action process for UB(s) and Tellers.     

· Interview new UB and Teller candidates with the Retail Branch Manager.     

· Responsible for maintaining set branch cash limit, at or below limit.     

· Responsible for ensuring UB and Teller cash drawer limits are maintained and not over limit.     

· Responsible for proper use of the reserve cash vault.     

· Prove daily journal transactions.     

· Perform teller duties, including advanced and complex transactions, handling special requests and investigating discrepancies in accordance with Bank policies and procedures ensuring customers are serviced quickly and efficiently.     

· Ensure all duties and responsibilities are performed in accordance with established Bank Regulations, policies and procedures including the Banks standard operating and security procedures are being adhered to with operational/security integrity. 

· Adhere to privacy and confidentiality policies when assisting customers in obtaining any account information.      

· If currently registered with NMLS# assist prospective borrowers; act as main point of contact for customers with the completion of loan applications, closing loans and prepare account loans.       

· Appropriately order and maintain vault cash. Prove vault cash daily. Assist with Armored Truck service ensuring standard operating and security procedures. Prepare cash in and out shipments.     

· Prove daily journal transactions.      

· Initiate and confirm wire transfers within policy guidelines.     

· Reconcile ATM daily and assure proper equipment operation.     

· Available to travel within the branch network as needed to ensure adequate branch coverage.     

· Reconcile coin machine daily, ability to change coin bags, maintain cleanliness to ensure proper equipment operation.     

· Daily use of Cash Recycler to include maintenance as needed and proof as designated.      

· Other duties assigned by Retail Bank management.     

JOB SPECIFICATIONS 

· Exceptional inter-personal and customer service skills.     

· Excellent communication skills – verbal, written, listening.     

· Strong basic math skills.     

· Working knowledge of banking software and/or ability to be trained and quickly learn.     

· Working knowledge of bank products and services and/or ability to be trained and quickly learn.     

EXPERIENCE & EDUCATION 

· High School Diploma or equivalent.     

· 5+ years customer service experience in a banking or financial institution environment.     

· Prior experience in a supervisory capacity.     

· Prior teller experience required.      

JOB SPECIFICATIONS 

· Maintain and manage assigned commercial loan portfolio(s) with respect to the preparation of loan renewals, reviews and new loan requests from within the assigned portfolio. 

· Accurately maintain ticklers system with respect to updated financial information and loan covenant testing. 

· Perform detailed financial analysis on business entities and interpret financial information based upon supplied financial statements, tax returns and company prepared documents. 

· Perform credit, personal financial statement and personal cash flow analysis on individual and guarantors in order to determine financial strength and credit enhancements based on financial statements, tax returns and reports. 

· Accurately maintain loan risk ratings for loans within the assigned portfolio(s) in accordance with the bank’s policy and procedures. 

· Inform appropriate loan officer, credit manager, and credit officer of potential risks associated with loan reviews and follow up to ensure compliance.  

· Accompany lenders on customer site visits and customer interviews. 

· Maintain accurate knowledge of MB credit, practices and regulatory policies to assist bank in compliance. 

· Maintain and update watch list credits in the portolio(s). 

· Assist lenders with customer contact, loan requests within the portfolio and the closing process. 

SPECIFICATIONS / QUALIFICATIONS 

· Bachelor’s degree in Business Administration, Finance, Accounting, Economics or equivalent work background and experience. 

· Minimum of three years commercial lending or related experience.  

· 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. 

· Strong background in commercial and small business underwriting and lending. 

· Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner with minimal direction.  

· Strong written and verbal skills 

· Strong problem recognition and resolution skills 

· Ability to work independently and within a team 

· Working knowledge of all commercial products and services.  

· Proficient in various spreadsheet and Word processing applications