FINANCE / BANKING OFFICER

We are seeking a professional Banking Officer to join our team in the United States. In this role, you will be responsible for developing and managing client relationships, supporting banking operations, ensuring regulatory compliance, and driving business growth. The ideal candidate will have strong knowledge of banking products, credit analysis, and financial regulations, with the ability to work in a dynamic, fast-paced environment .

Key Responsibilities (Job Description)

The specific responsibilities may vary depending on the specialization, but generally include a combination of the following:

1. Business Development & Client Relationship Management:

• Seek out prospective business/corporate clients and actively solicit new loan business and deposit relationships .

• Participate in community affairs and networking events to increase the bank's visibility and enhance new business opportunities .

• Build, cultivate, and maintain total banking relationships with an emphasis on business credit products .

• Achieve individual and department sales goals through new business sales, referrals, and retention of account relationships .

• Proactively cross-sell additional products including treasury management, merchant services, and investment products .

2. Credit Analysis & Loan Operations:

• Interview loan applicants, collect and analyze financial statements and related data to determine creditworthiness .

• Analyze applicants' financial status, credit history, and property evaluations to determine feasibility of granting loans .

• Prepare credit applications and conduct regular credit reviews, coordinating with management for approvals .

• Structure loan terms and conditions, including costs, repayment methods, and collateral requirements .

• Ensure loan agreements are complete and accurate according to policies, procedures, and standards .

• Service loan portfolios to ensure compliance with loan policy, approval conditions, and approved financing plans .

3. Treasury & Cash Management Operations:

• Coordinate banking and treasury management activities, including opening and closing bank accounts and implementing business process changes .

• Serve as lead for treasury cash management operations, including outgoing electronic transfers (ACH, wire) and warrant redemption processes .

• Perform daily, weekly, and monthly tasks related to financial system operations and bank account reconciliation .

• Respond to inquiries from internal and external auditors regarding cash management processes and procedures .

4. Compliance & Risk Management:

• Ensure strict adherence to banking laws, regulations (including Bank Secrecy Act, USA Patriot Act, OFAC), and internal policies .

• Monitor borrowers within the portfolio, including review of borrower performance and compliance with financial covenants .

• Identify and implement improvements to treasury processes and strengthen internal controls .

5. Reporting & Process Improvement:

• Prepare various reports for management regarding loan portfolios, cash management activities, and business development efforts .

• Serve as subject matter expert for financial systems, investigating and troubleshooting system problems .

• Participate in system updates, upgrades, and user acceptance testing .

Qualifications and Skills

• Education: Bachelor's Degree in Finance, Accounting, Business, Economics, or related field is required or strongly preferred .

• Experience:

  • Entry-Level: 0-2 years (internships or relevant coursework acceptable) .

  • Mid-Level: 2-5 years in banking, lending, or financial services .

  • Senior-Level: 5-10+ years with proven track record in business development and credit analysis .

• Technical Skills:

  • Proficiency in MS Office applications, especially Excel (including macros, pivot tables, financial modeling) .

  • Experience with financial management systems (e.g., Oracle EBS) .

  • Strong understanding of banking operations, commercial lending, credit analysis, and treasury management .

  • Knowledge of financial regulations including Bank Secrecy Act, USA Patriot Act, OFAC .

• Soft Skills:

  • Excellent verbal and written communication skills .

  • Strong interpersonal skills and ability to build relationships with clients and colleagues .

  • Self-motivated, production-oriented, and able to work independently .

  • Attention to detail and ability to handle pressure in a fast-paced environment .

  • Strong analytical and problem-solving abilities .

• Certifications (Preferred):

  • MBA, CFA, or progress toward such certifications for senior roles .

  • Formal credit training for lending positions