“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

{beginAccordion}

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

Client Service Representative: Northwest FL

Beach Bank is currently seeking full-time Client Service Representatives for our locations throughout northwest Florida. The primary responsibility of the CSR is to create meaningful personal connections with clients, identify opportunities to meet client needs, and assist in resolving end-to-end client sales and service inquiries. The successful candidate should be ambitious and adaptable with a desire to build long term relationships with our clients based on knowing who they are, understanding their needs, and providing basic financial advice through a consultative approach. This requires an individual who is motivated by a fast paced and energetic environment, with the ability to provide personalized client service.

Job Functions:

  • Provides a consistent optimal client experience, primarily handling clients’ transactional needs, including but not limited to performing activities such as deposits, withdrawals, payments, and balancing.
  • Answers client inquiries regarding products and services, fulfills basic servicing requests, and opens Consumer and Commercial products (CDs, Business and Personal Checking Accounts, Business and Personal Savings Accounts, IRAs).
  • Works to create and establish relationships with clients, remaining well-informed about the client’s relationship with the bank and cross selling bank products as needed.
  • Educates clients on standard consumer and commercial products, emerging bank technology and digital solutions such as mobile, online, and ATM offerings, all designed to make banking easier.
  • Assists branch and fellow team members with achieving goals by assisting with basic tasks to aid in client problem resolution.
  • Achieves required levels of outbound phone calls using generated client and prospect lead lists to educate clients on emerging technology and assist with meeting their financial needs
  • Ensures safe and sound banking practices, including adherence to all applicable laws and regulations

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Minimum Requirements:

  • High school diploma or GED
  • Preferred Experience:
    • 1-2 years of prior banking, sales, and/or client service experience
  • 2+ years of prior cash handling or Teller experience
  • Strong people relations skills and ability to work with team members and clients in a cooperative manner. Excellent communication skills.
  • Ability to make decisions, research and solve problems, work independently, and manage multiple priorities.
  • 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.
  • This position is a full-time position with typical hours being Monday-Friday 8:00AM-5:00PM. Overtime work and occasional travel may be required as needed.

Competitive salary and benefits are offered.

Please send resumes to: [email protected]

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

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

Mortgage Loan Processor

At Beach we strive to be Florida’s best bank for business, professionals, and their owners. Our mission is to be a catalyst in our team members’ success, our clients’ aspirations and our communities’ vitality. Our values define our identity and they are what drive us to make our goals a reality and guide our actions and decisions.

• Integrity: We exhibit uncompromising dedication to doing what is right.
• Innovation: We foster team member ingenuity, resulting in an exceptional client experience.
• Commitment: We are passionate and accountable.
• Community: We create meaningful impact in the communities we serve.

Collectively, we refer to these values as #ONEBEACH.

Our collective set of values cannot fully come to fruition without us making an effort to celebrate and embrace diversity within the workplace and in our world today. At Beach Bank, we prioritize and respect our team members as professionals and as people, championing their individual development and empowering our collective growth through commitment to diversity and inclusion.

Beach Mortgage, Inc. is accepting applications for Mortgage Loan Processor.

The Mortgage Loan Processor is responsible for the processing of a mortgage loan from origination to funding. This position will support the Sales and Operations Team by collecting necessary documents and managing the transaction to ensure the closing deadline is met.

Duties/responsibilities include but are not limited to:

  • Ensure timely and independent processing of mortgage loan files (in compliance with all applicable laws, regulations and corporate policies and procedures) from origination through post settlement delivery.
  • Process loans through underwriting systems and review findings with the underwriter(s) and loan officer, clear conditions and prepare file to move to closing.
  • Maintain excellent client relations and the confidentiality of the client’s personal information.
  • Remain current on and adhere to all regulatory required training.
  • Work with clients and Loan Officers to resolve problems, answer questions and assist in collection of documentation.
  • Perform all other duties as assigned.

Ideal candidate should possess the following qualities:

  • Ability to work in a fast-paced environment while interacting with mortgage loan officers, borrowers, and operations team.
  • Ability to prioritize multiple demands in a high-pressure environment while maintaining professional demeanor, organization and possibly 20-30 loans at any given time.
  • Excellent customer service and communication skills
  • Excellent written and verbal skills
  • Encompass experience preferred
  • Proficient in Microsoft Office programs, automated underwriting systems (DU/LP) as well as in house document retrieval and electronics communication.

Candidates for this job must be able to obtain a NMLS number. Training will be required on current lending software and lending guidelines.

Candidate must have a high school diploma or equivalent.

Working remotely is an option, however, in-house is preferable.

Beach Bank is a Drug-Free Workplace.

Beach Mortgage, Inc. is a Drug-Free Workplace.

Equal Opportunity Employer

M/F/D/V

Job Type: Full-time

 

Loan Operations Associate - Pensacola

At Beach we strive to be Florida’s best bank for business, professionals, and their owners. Our mission is to be a catalyst in our team members’ success, our clients’ aspirations and our communities’ vitality. Our values define our identity and they are what drive us to make our goals a reality and guide our actions and decisions.

• Integrity: We exhibit uncompromising dedication to doing what is right.
• Innovation: We foster team member ingenuity, resulting in an exceptional client experience.
• Commitment: We are passionate and accountable.
• Community: We create meaningful impact in the communities we serve.

Collectively, we refer to these values as #ONEBEACH.

Our collective set of values cannot fully come to fruition without us making an effort to celebrate and embrace diversity within the workplace and in our world today. At Beach Bank, we prioritize and respect our team members as professionals and as people, championing their individual development and empowering our collective growth through commitment to diversity and inclusion.

Beach Bank is currently seeking a full-time loan operations team member. Loan Operations Associates service loans through the life of the loan and assist other bank team members with questions concerning the servicing of these loans. Our loan operations associates maintain loan files and follow-up on missing or expired items. They are also required to be fully knowledgeable and skilled in desk related duties of servicing loans.

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:

  • Creates and maintains loan documentation imaging and files of new loans, renewals and modifications.
  • Organizes, reviews and determines necessary documentation for loans in an efficient and timely manner.
  • Utilizes all necessary loan checklists to properly maintain loans on tracking systems.
  • Update processing system and prepares all necessary documents related to releasing loan collateral.
  • Prepares all necessary general ledger credit/debit tickets and account entries or other entries related to loan servicing.
  • Maintain loans on the processing system.
  • Reviews various system generated documents for accuracy.
  • Has a working knowledge of regulatory issues impacting the lending function.
  • Works with the lenders, credit department and other Bank personnel in most loan operations functions.
  • Has a working knowledge of all Bank policies and procedures, and all state & federal regulations that apply to this position.
  • Other duties as assigned by Bank Management.

Qualifications

To perform this job successfully, this position must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • High school graduate or equivalent required with suitable work experience.
  • One to two years of banking experience in one of the following areas: Loan Operations, Deposit Operations, or Lending Services or other suitable work experience.

-OR-

  • A bachelor's degree in a business-related field Desirable candidate should possess the following

Knowledge, Skills, and Abilities:

  • Excellent organizational skills
  • Ability to work as a team
  • Ability to follow multi-step process
  • Strong time management skills
  • Proficient computer software skills to include but not limited to Microsoft Excel, Word and Outlook
  • Good typing and adding machine skills
  • Ability to work in a fast-paced environment
  • Dependability

Competitive salary and benefits offered.

Hours – Monday thru Friday 8:00 a.m. – 5:00 p.m. (Overtime may be required.)

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