“Our business is people: not only our clients, but our team members who serve them too!”

Tonya Calix
VP, Human Resources

Thank you for your interest in BeachBank. As a strong and growing organization, we are always seeking dedicated experts and professionals to join our team. Along with competitive salary and benefits, we promote an environment that enriches our team members’ lives, both personally and professionally.

View our current position openings here and please forward resumes and/or position inquiries to [email protected]. Can’t find the position you’re looking for? We’re always seeking qualified professionals, so please feel free to submit your resume for potential openings!

Current Employment Opportunities

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Commercial Client Manager

Beach Bank– Fort Walton Beach location is currently seeking a full-time Commercial Client Manager. Our Commercial Client Managers provide a variety of commercial loan products and loan services based on complexity of customers’ individual needs. Commercial Client Managers contribute to bank growth and profitability by growing deposits and providing other financial services through either direct or cross-selling efforts; referring prospects to Retail, Treasury Management, Mortgage, and Merchant Services. This role serves as a commercial banking expert for a branch or a group of branches and may train and oversee the work of supporting team members. Ideal candidates should possess the ability to develop and manage relationships with businesses having annual sales revenue from $500,000 and up.

Essential Duties and Responsibilities include the following. Other reasonably related duties may be assigned by immediate supervisor or other supervisors.

  • Meets and exceeds sales goals in loans, loan fees, deposits, treasury management income and referrals to line of business partners.
  • Develops new and existing customer relationships through networking, cross-selling opportunities and referrals to and from business product partners within the bank. Establishes and maintains comprehensive referral network to generate new client relationships, targeting more complex businesses.
  • Manages assigned portfolio and retains and strengthens current relationships. Focus is on commercial lending opportunities, but also pursues, develops, and services a wide variety of financial products.
  • Partners with branch manager and serves as the primary point of contact for the business customer. Serves as commercial banking expert for a branch or a group of branches.
  • May generate SBA loans by proactively creating, developing and maintaining internal/external relationships.
  • Proactively manages customer relationships by identifying financial needs, delivering solutions to meet the needs, and delivering quality customer service.
  • Reviews applicant financial data to evaluate credit worthiness and manages difficult credit situations.
  • Negotiates terms and makes decisions on loans within limits or makes recommendations. Monitors outstanding loans to ensure ongoing credit worthiness.
  • Represents Beach Community Bank within the community by actively serving in community organizations, participating in local chambers of commerce and other related leadership activities.
  • Adheres to established loan policies and procedures. Works with commercial credit approval process to ensure that underwriting and credit quality standards are implemented and maintained.
  • Uses professional knowledge, experience and analytical criteria to make decisions and resolve problems; acts independently to determine methods and procedures on new assignments.
  • May orient, train, assign, and review the work of lower-level team members.
  • Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role.

Qualifications:

  • Bachelor’s Degree in Finance, Accounting, Business Administration or related discipline, or an equivalent combination of education and experience.
  • Minimum of 5 years of business development experience with focus on commercial businesses in the $2-20 million revenue category.
  • Proven sales results and advisory skills. Demonstrated skill in soliciting business for bank deposit products and services. Ability to identify client needs, present banking solutions and bank products. Proven ability to retain existing customers and develop new customer relations.
  • Demonstrated credit skills.
  • Strong people relations skills and ability to work with team members and customers in a cooperative manner. Excellent communication skills.
  • Ability to make decisions, research and solve problems, work independently, and manage multiple priorities.
  • Demonstrated experience in managing a complex loan portfolio
  • Experience independently managing moderately complex customer relationships and managing some difficult credit situations
  • Strong business development calling skills.
  • Experience independently sourcing new businesses
  • Ability to negotiate and influence actions in a professional and effective manner
  • Proficient use of Microsoft Word and Excel software applications, other banking computer systems and related software, and ability to operate a variety of office equipment.

Competitive salary and benefits offered

Please send resumes to: [email protected]

Please reference CCM in the subject line

Beach Bank is a drug-free workplace.
Equal Opportunity Employer
M/F/D/V

 

Mortgage Loan Originator: Crestview, South Walton, Pensacola, Tampa areas

Beach Mortgage is looking for Mortgage Loan Originators (MLOs) in the Crestview, South Walton, Pensacola and Tampa areas. MLOs serve as a main contact point for Borrower and Retail Operations with the loan origination process. MLOs identify financial needs and promote mortgage products to clients. Our originators eagerly take the initiative to generate their own client base and/or work leads provided by Beach Community Bank/Mortgage. Our MLOs pride themselves on staying abreast of new types of loans and other financial products in order to better meet our customers’ needs. The Mortgage Loan Originator must meet or exceed the set weekly and/or monthly production goals management has established, communicate with their Manager/Supervisor on a daily or weekly basis regarding personal production, meet strict deadlines and maintain compliance,  and resolve issues/difficulties across multiple departments while maintaining and exceeding a high level of customer service to internal and external customers .

Essential Duties and Responsibilities include the following. Other reasonably related duties may be assigned by immediate supervisor or other supervisors.

  • Maintains relationships with internal and external referral sources (i.e. realtors, past clients, internal referrals through marketing efforts).
  • Obtain and compile loan applicants’ credit histories and other financial information. Prepares mortgage loan file in Encompass, clarifies or obtains additional information as necessary.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those loan products specific to the borrower’s needs.
  • Work closely with processors, closers and underwriters.
  • Maintains and ensures complete and accurate compliance with RESPA, Regulation Z, Fair Lending, HMDA, Bank Secrecy Act and other regulations regarding the mortgage application process.
  • Protect Company’s reputation and image by maintaining Borrower confidence, deliver a high level of customer service and by keeping mortgage loan information confidential.
  • Cold Calling on Leads (provided) by telephone and follow-up on same Leads by telephone.
  • Customer Follow-Up during loan processing through channels to be approved and after loan is approved and closed.
  • Honesty and integrity in dealing with others and accountability in standing behind your work; initiative and self-motivation in serving the client, getting the job completed thoroughly and on time; good written and oral communication skills, including the ability to listen to others and understand and identify their needs; confidence in yourself and enthusiasm regarding your service. Organizational skills in having the ability to prioritize and manage numerous tasks at the same time. Miscellaneous duties as assigned.

Qualifications:

  • High School Diploma or GED equivalent required; some college preferred; College degree desired.
  • Intermediate computer skills (MS Office, Mortgage Loan Applications/Software)
  • Minimum of 2 years of recent mortgage loan experience.
  • Excellent customer service skills; written and oral communication skills and ability to demonstrate control, flexibility and maintain quality and high productivity when dealing with customers and changing work demand.
  • Must possess basic PC skills in Microsoft Windows, Word, and Excel or equivalent software. Encompass experience desired.
  • Demonstrate effective and strong verbal and listening communication skills with the ability to effectively communicate with principals, executive management and clients.
  • Demonstrate the assertiveness, perseverance, energy and passion – results oriented behavior required to be successful in this role.
  • Demonstrate effective problem solving, planning & time management skills.

Please send resumes to: [email protected]. Please reference MLO in the subject line.

Beach Bank is a drug-free workplace
Equal Opportunity Employer
M/F/D/V
Job Type: Full-time

Credit Analyst

Beach Bank is currently seeking an experienced full-time Credit Analyst to join our growing Commercial Lending group. This position will report directly to the Senior Credit Officer and will directly support Commercial Underwriters and Client Managers in all regions.

Critical features of this job are described under the headings below. This position may be subject to change at any time due to reasonable accommodation or other reasons.

Essential Duties and Responsibilities: 

May include the following:

  • Provide the highest level of internal and external client service in keeping with the “One Beach Fundamentals”.
  • Partner and maintain positive working relationships with various departments to meet needs related to loan requests, reporting, monitoring, and client management.
  • Evaluate documents submitted for loan requests by Borrowers and Client Team for accuracy and completeness.
  • Compile, spread, analyze, and interpret financial data related to loan requests and provide feedback to underwriters and/or Client Managers.
  • Work with Client Managers and Loan Assistants to process and quality control loans originated through Small Business / Small Commercial loan channels.
  • Assist underwriters with analysis, due diligence, and industry research, as necessary.
  • Perform annual reviews of client relationships.
  • Monitor and report noncompliance with terms of loan agreements, borrowing base and loan covenant certifications.
  • For internal candidates, must have working knowledge of Beach Bank Credit Policies.
  • Perform risk assessments of loan requests based on credit rating, borrowing history, and other specific risk factors.
  • Record loan denials and specific basis for declining application.
  • Assist in maintaining electronic filing and loan underwriting database systems.
  • Assist in ensuring loan files are processed, closed, and funded according to Beach’s established quality, efficiency, and client service standards.
  • Generate reports as necessary for committee and board meetings.
  • Assist in any internal quality control reviews and/or audits.
  • Perform other job-related duties as assigned.

Competencies: 

To perform the job successfully, an individual should demonstrate the following competencies:

  • Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments; Assesses customer relationships and needs to ensure maximum customer profitability.
  • Communication – Communicates information clearly and persuasively (orally or written) in positive or negative situations. Keeps others informed and up to date. Actively listens and provides effective and immediate feedback.
  • Organizational Support - Follows policies and procedures; Completes administrative tasks accurately and on time; Supports organization's strategic vison, goals, and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
  • Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives and adjusts strategies to meet and exceed goals.
  • Professionalism - Approaches others in a tactful and respectful manner regardless of status or position; Maintains professionalism under pressure; Accepts responsibility for own actions; Follows through on commitments.
  • Quality - Demonstrates accuracy and thoroughness; Monitors own work to ensure quality.
  • Quantity - Meets productivity standards and performance goals; Completes work in timely manner; Strives to increase productivity; Works proficiently.

 

Qualifications:

  • Bachelor’s degree in Business, Finance, Accounting, or a related field.
  • Minimum of 2-4 years’ experience in credit analysis, small business banking, commercial banking and/or portfolio management.
  • Familiarity with commercial lending software systems and platforms.
  • Demonstrated proficiency with Microsoft Office (Word, Excel, Outlook).

Knowledge, Skills and Abilities:

  • Adaptable, high work ethic, self-starter, and team oriented
  • Applied knowledge of underwriting fundamentals and standard industry practices.
  • Understanding of basic financial principles and processes.
  • Knowledge of federal, state, and local regulatory requirements.
  • Ability to maintain confidentiality.
  • Strong analytical skills, attention to detail and project organizational experience necessary.
  • Excellent verbal and written communication skills.
  • Possess strong organizational skills and ability to multitask and meet strict deadlines.

Usual work hours are Monday – Friday, 8:00 a.m. to 5:30 p.m., with one hour off for lunch. Overtime work may be required from time to time. 

Beach Bank is a Drug-Free Workplace.

Equal Opportunity Employer

M/F/D/V

Job Type: Full-time

 

Commercial Credit Underwriter

Beach Bank is currently seeking an experienced full-time Commercial Credit Underwriter to join our growing commercial lending group. This position will report directly to the Senior Credit Officer and will support Commercial Client Managers in all regions.

Critical features of this job are described under the headings below. This position may be subject to change at any time due to reasonable accommodation or other reasons.

Essential Duties and Responsibilities: 

May include the following:

  • Provide the highest level of internal and external client service in keeping with the “One Beach Fundamentals”.
  • Partner and maintain positive working relationships with various departments to meet needs related to loan requests, reporting, monitoring, and client management.
  • Objectively evaluate documents submitted for loan requests by Borrowers and Client Team for accuracy, completeness and materiality.
  • Compile, spread, analyze, and interpret all sources of data related to loan requests to provide recommendations and feedback to Client Managers and Senior Credit Officer.
  • Preparation of credit memorandums for new, renewal and modification requests within the parameters of the Bank’s policies and guidelines.
  • Identification and mitigation of risks and determination of Borrower’s capacity to repay.
  • Confirm and review appropriateness of collateral offered as a source of repayment.
  • Underwriters are expected to provide feedback on risk and recommendations on structure to Client Managers and appropriate decision makers in keeping with bank policies and current market related risk criteria.
  • Communicate loan approvals with conditions and/or additional requirements to loan documentation ensuring all requests are processed, closed, and funded according to Beach’s established quality, efficiency, and client service standards.
  • Have working knowledge of and assist with the development and implementation of Beach Bank Credit Policies and procedures.
  • Work directly with clients, outside legal counsel, and third-party vendors as appropriate.
  • Proactively identify, isolate, and resolve problems.
  • Assist with technical underwriting issues and questions.
  • Perform risk assessments of loan requests based on credit rating, borrowing history, and other specific risk factors.
  • Record loan denials and specific basis for declining application.
  • Perform annual reviews of client relationships.
  • Monitor and report noncompliance with terms of loan agreements, borrowing base and loan covenant certifications.
  • Keep informed of current trends, regulatory changes, and market factors affecting lending.
  • Assist in any internal quality control reviews and/or audits.
  • Perform other job-related duties as assigned.

Competencies: 

To perform the job successfully, an individual should demonstrate the following competencies:

  • Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments; Assesses customer relationships and needs to ensure maximum customer profitability.
  • Communication – Communicates information clearly and persuasively (orally or written) in positive or negative situations. Keeps others informed and up to date. Actively listens and provides effective and immediate feedback.
  • Organizational Support - Follows policies and procedures; Completes administrative tasks accurately and on time; Supports organization's strategic vison, goals, and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
  • Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives and adjusts strategies to meet and exceed goals.
  • Professionalism - Approaches others in a tactful and respectful manner regardless of status or position; Maintains professionalism under pressure; Accepts responsibility for own actions; Follows through on commitments.
  • Quality - Demonstrates accuracy and thoroughness; Monitors own work to ensure quality.
  • Quantity - Meets productivity standards and performance goals; Completes work in timely manner; Strives to increase productivity; Works proficiently.

Qualifications:

  • Bachelor’s degree in Business, Finance, Accounting, or a related field.
  • 3-5 years of underwriting or commercial credit and risk analysis experience.
  • Familiarity with commercial lending software systems and platforms.
  • Demonstrated proficiency with Microsoft Office (Word, Excel, Outlook).

Knowledge, Skills and Abilities:

  • Adaptable, high work ethic, self-starter and team oriented.
  • Applied knowledge of large C&I, Investment CRE, and Construction A&D underwriting fundamentals and standard industry practices.
  • Understanding of basic financial accounting and processes.
  • Knowledge of federal, state, and local regulatory requirements.
  • Ability to maintain confidentiality.
  • Strong analytical skills, attention to detail and project organizational experience necessary.
  • Excellent verbal and written communication skills.
  • Possess strong organizational skills and ability to multitask and meet strict deadlines.

Usual work hours are Monday – Friday, 8:00 a.m. to 5:00 p.m., with one hour off for lunch.

Beach Bank is a Drug-Free Workplace.

Equal Opportunity Employer

M/F/D/V

Job Type: Full-time