Operations Specialist Trainee - Orange County Trust Company : Job Details

OPERATIONS SPECIALIST TRAINING PROGRAMObjective:To provide a training program that will equip employees with the skills and knowledge needed to help them become successful in the operations areas of the bank. Goal:To create well rounded employees to support the operations areas of the bank. Upon successful completion of the program, the trainee will be placed in one of the operations areas of the bank, depending on business need and fit. General Summary: This position is part of the bank's Operations Training Program. Employee will be required to successfully complete training in each area listed below. Compensation:Starting salary will be lateral to the previous position held with increases awarded after successful completion of each phase. ESSENTIAL DUTIES AND JOB RESPONSIBILITIES:Deposit Operations and Cash Management Support

• Process daily items including overdrafts and returns, chargebacks, returned deposited items, ACH transactions, wire transfers and deposit escrow transactions.
• Excessive transactions tracking and reporting.
• Process Debit Card requests- for new cards, replacements cards or claims.
• Reconcile Deposit Operations GLs daily.
• Review large dollar report and watch status accounts to take appropriate action.
• Process Cash Management Applications for Treasury Premium, ACH Origination, Positive Pay, Remote Deposit Capture, Lockbox
• Learn and become familiar with all Cash Management Offerings
• Review of suspect transactions via on line banking
• Provide overall support for clients using any of the bank's products or services

Loan Operations

• Book all new loans, extensions, renewals & modifications for commercial and consumer
• Processes monthly & quarterly tax payments
• Perform monthly and quarterly GL reconciliations
• Tracks insurance renewals on small business loans, flood insurance expirations
• Performs daily loan maintenance, i.e. Loan Review updates, Risk Rating changes
• Prepares monthly commercial delinquency report
• Process daily incoming wires, weekly participation remittance, loan payment requests, advance payments, payoff checks, payoff and assignment letters,
• Monitor & review weekly rate changes
• Perform loan verifications for customers
• Internal & external customer service calls and email requests

Branch Operations

• Perform all Teller Functions- cashing checks, accepting deposits, coin orders, selling bank checks, cash deposits, night drop, etc.
• Assist consumer and business customers in their selection of various accounts, products and financial services available from the Bank; ensures cross-sell opportunities are presented by applying professional sales techniques.
• Open accounts and assist clients with inquiries. Interview clients to obtain information; establish proper identification of new customers.
• Maintain a working knowledge of the complete line of products and services offered.
• Maintain branch cash limits by ordering and selling money as necessary

Trust Operations

• Learn about different Trusts and products offered
• Process daily recap
• Deposits - Operate remote check scanner
• Disbursements - Checks, wires and ACHs
• Process transactional requests for Trust staff as needed
• Stage mutual fund and custody trade orders as directed
• Update trade confirmations
• Create/retrieve system reports as needed
• Assist with opening and closing accounts as directed
• Assist with all quality control matters
• Perform account maintenance as directed
• Assist with daily, monthly, quarterly and annual reporting and reconciliations
• Prepare monthly TAC meeting and quarterly TCB meeting materials
• Provide support for operational projects as needed
• Assist with True Link debit cards - orders, reporting and maintenance
• Scan and store documents in electronic file storage system -The training program will also include rotations through several other operations/support areas of the bank; to include BSA, Compliance, Human Resources, Accounting and IT.

EDUCATION, CERTIFICATION, EXPERIENCE:

Education Required: High School Diploma or GED

Education Preferred: College Degree/attending College

Experience Required: 1 Year Banking Experience

Experience Preferred: 2 Years Banking Experience

Certifications Required: N/A

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 high level of 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 & 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 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.