New Tripoli Bank is seeking a full-time Credit Analyst. Profit sharing along with great benefits package. Join us for an exciting career in banking. Local community bank with competitive pay!

Responsible for performing administrative duties to support the credit analysis function; achieving goals as established in the assigned department's annual operating plan; coordinating work within the unit or department, as well as with other units or departments; complying with operating policies and procedures established for the credit analysis function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.

Essential Duties

1. Performs administrative duties to support the credit analysis function of which the following are illustrative:
   • Receives and reviews data on prospective and active borrowers (i.e., financial statements, agency reports, and interview and investigation sheets) to assist the Bank in developing an assessment of credit risk.
   • Reviews and analyzes borrower financial statements to determine and stress-test repayment capacity and cash flow strength; identify trends impacting the credit risk.
   • Orders credit bureau reports, searches, flood, appraisals and title work requests.
   • Works with commercial lenders, providing recommendations as appropriate for loan decisions, risk ratings, credit structure; prepares sufficient information to document recommendations and support credit underwriting.
   • Provides thorough documentation of all financial analysis work, including ratios and other related information.
   • Ensures that all credit analysis activities are conducted in accordance with prescribed lending policy.
   • Maintains credit and collateral files.
   • Ensures that all bank appraisals adhere to Interagency Conforming Appraisal Guidelines under FIRREA.
   • Provides collateral (primarily residential real estate) valuations as needed in accordance with the Bank’s loan and appraisal policy.
   • Support the appraisal management function by completing reviews of residential and commercial appraisals, corresponding with appraisers as needed
   • Supports internal audit and federal and state examiners when on site for regulatory audit purposes. Obtains loan files and fulfills other information requests.
   • Represents the bank at business loan settlements upon request of supervisors.
   • Processes credit extensions, loan modifications, letter of credit changes, and other business loan documents.  
   • Able to make overdraft decisions and/or contact customers as needed to make line of credit transfers to cover overdrafts. 
   • Support post-closing record scanning and image capture.
2. Achieves goals assigned to the Credit Analyst as part of the assigned department's annual plan.
3. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.
4. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.
5. Coordinates specific work tasks with other personnel within the department as well as with other units and departments in order to insure the smooth and efficient flow of information.
6. Complies with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements.
7. Communicates with management and staff personnel in order to integrate goals and activities.
8. Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.
9. Maintains appropriate records and provides assigned reports.
10. Maintain compliance with all regulations and bank policies and procedures, including but not limited to, Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.
11. Regular and predictable attendance is expected and is an essential function of the job.

Basic Qualifications

Education/Training:  B.S. or B.A. degree in a related field of study preferred; specialized financial analysis training.

Skill(s):  Proficient reading, writing, grammar, and mathematics skills; moderate interpersonal relations and communicative skills; a thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations; proficient ability to analyze and interpret financial statements; visual and auditory skills.

Experience:  A minimum of two (2) years' experience as a Credit Analyst normally required or three (3) years’ banking experience.

New Tripoli Bank is seeking a Part-Time Community Banker, with the availability to work Saturday mornings.  

Performs a variety of duties to support the paying and receiving function of the community bank office of which the following are illustrative:

• Accepts deposits of various account types.
• Cashes checks within the approved authority and operating policy.
• Sells Cashier’s Checks, Money Orders, Certified Checks, etc.
• Accepts loan payments, safe deposit box rent, utility payments, and other related payments.
• Processes night deposits and mail deposits.
• Greets and serves customers in a friendly and courteous manner.
• Maintains an awareness of new business opportunities with customers; actively refers customers to appropriate customer service personnel.
• Maintains an approved level of cash; turns in excess and mutilated cash and checks for counterfeit bills.
• Prepares daily settlement and proof of cash transactions; balances cash drawer accurately and efficiently on a daily basis (Branch  Capture).
• Prepares daily work for delivery to the operations area.
• Processes general ledger accounts related to the paying and receiving function, e.g., Utilities, Coin, inter-bank accounts, etc.
• Prepares reports relating to the function, e.g., currency transaction, BSA reports, etc.
• Coin counting service for customers. Cross-sells other deposit, loan, and internet banking products to customers when appropriate.
• Settle ATM on a daily basis and process ATM transactions.
• Filing
• Annual safe deposit box inventory and delinquent account follow-up.

Qualifications: 

• Prior banking experience preferred
• High School Diploma
• Proficient PC/typing skills
• Occasionally must be able to lift and carry up to 50 pounds
• May remain in stationary position, often standing or sitting for prolonged periods of time.
• Customer Service experience

Work Schedule: Monday-Friday, with Saturday morning hours.

New Tripoli Bank is seeking a full-time Community Banker. Profit sharing along with great benefits package. Join us for an exciting career in banking. Local community bank with competitive pay!

Promote a positive image of the bank with outstanding customer service; by developing a relationship with business and personal customers, while completing a verity of transactions efficiently and effectively. Responsible for serving bank customers at the Community Banking line, within the guidelines of bank policy and procedures. Often, being the first point of contact for customer questions and inquiries. Through relationship building, promote and refer appropriate bank product and services.

1. Performs a variety of duties efficiently and accurately as followed, but not limited to:
   • Red flags for customer fraud and scams
   • Review out of ordinary transactions and report it to supervisor/management immediately
   • The ability to teach the customer of popular scams and how to avoid being a victim
   • Promote bank services to help prevent customers from being victims of fraud/scams (online banking alerts, informational brochures, card hub, checking online banking daily etc.)
   • Process deposits and withdrawals of various account types.
   • Cashes checks within approved authority and operating policy.
   • Prepare and process wire transaction request(s).
   • Sells Cashiers Checks, Money Orders, Certified Checks, etc.
   • Accepts loan payments, safe deposit box rent, and other related payments.
   • Processes night drop and mail deposits.
   • Provide outstanding customer service while always remaining professional.
   • Build and maintain a relationship and awareness of new opportunities with customers; appropriately promote bank product and services; refers customers to appropriate team members.
   • Maintain an organized workstation to keep an accurate and timely cashbox balancing and end of day routine, while maintaining within bank policy limits and procedures.
   • Prepares and scans in daily work
   • Process general ledger accounts related to the paying and receiving function, e.g., coin, inter-bank accounts, etc.
   • Collect all required customer information for BSA reporting purposes CTR’s etc.
   • Process coin counting service for customers.
   • Cross-sells deposit, loan, and internet banking, merchant services and other products to customers when appropriate.
   • Settle and process ATM transactions daily.
   • Community Bankers should be vigilant of the following:
2. Coordinates specific work tasks with other personnel within the unit or department as well as with other units and departments to ensure the smooth and efficient flow of information and customer experience.
3. Must be able to perform Community Banker duties at any branch location.
4. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.
5. Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank’s CIP program, Equal Credit Opportunity Act, etc.
6. Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate bank personnel.
7. Responds to inquiries or to requests from customers, other bank personnel, etc., within given time frames and within established policy.
8. Maintain compliance with all regulations and bank policies and procedures, including but not limited to, Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.
9. Regular and predictable attendance is expected and is an essential function of the job.

Qualifications: 

• 1 year of customer service or related experience preferred
• High School Diploma or equivalent with an emphasis in a business or accounting curriculum
• Moderate reading, writing, and grammar skills
• Proficient analytical and mathematics skills
• Proficient communicative and interpersonal relations skills
• Proficient eye-hand coordination
• Ability to operate various office machines
• Ability to lift approximately fifty (50) lbs. of coin