Experience Inc. Jobs

General Summary:Responsible for internal loan review of the CRE portfolio of the bank.Essential Duties and Job Responsibilities: Responsibilities include but are not limited to: Annual gathering of financial statements and rent rolls for CRE loansCollaborating with the lending staff to validate financing terms and borrower repayment abilityAnalysis of continued financial support includingDebt service covenant testingChanges to market/property type that may affect collateral valueChanges in vacancy ratesChanges in Cap ratesValidation of current Risk RatingUpdating data fields related to stress testingUpdating data fields related to the pledged collateral for the FHLBMonthly monitoring of RE concentration levels relative to bank limits and regulatory thresholdsProperty site visits when warrantedKeeping abreast of industry and regulatory trends and applying said trends to review/analysisAnnual credit review of owner occupied mortgages for C&I lending relationships as neededPresenting review findings and conclusions to various committees on a quarterly basisOther duties / projects as assigned by the CCOEDUCATION, CERTIFICATION, EXPERIENCE:Bachelor’s degree required; preferably in accounting/finance/economics. Two years credit underwriting experience with focus on CRE (commercial real estate), orA minimum of five years of comparable bank experience. Track record of effectively communicating and collaborating in a team environment. KNOWLEDGE, SKILLS, ABILITIES:Confidentiality - This position requires a high level of confidentiality. This position has access to customer's financial information and personal information. Communication- This position has a will have contact with the public and departments. Must be able to communicate effectively. 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. Computer Skills/Technology- This position requires a high volume of computer usage, including core systems, vendor sites, 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:Frequently required to sit for prolonged periods of time.Normal range of vision, speech and hearing abilities required.Mobility required greeting and assisting employees and visitors.Frequently required to skillfully operate a computer, telephone and other standard office equipment.Travel between all locations of the bank.Occasionally travel outside of work location to attend meetings and training programs.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.

Minimum Salary: 50,000 Maximum Salary: 56,000 Salary Unit: Yearly