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Belmont Bank & Trust Company is an Equal Opportunity Employer. We’re committed to investing in our people and creating a customer service-oriented team. We value an environment that is challenging and full of enthusiasm.

If you’re interested in an employment opportunity with Belmont Bank & Trust Company, please contact us at Careers@belmontbank.com.

Download our employment application.  

Current Positions Available:

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Senior Accountant

Summary:

Belmont Bank & Trust Company is seeking a Senior Accountant to join our team. The Senior Accountant reports to the Chief Financial Officer. Responsibilities include, but are not limited to, general ledger accountability, and financial reporting, as well as financial profitability analysis, budgeting and other special projects as assigned. Senior Accountant responsibilities include reconciling account balances and bank statements, maintaining general ledger and preparing month-end close procedures. Assists in preparation of the quarterly FDIC Call Report, FR Y-9SP, and other Federal Reserve regulatory reports. Preparation of reporting requirements in order to satisfy applicable Federal Deposit Insurance Corporation Improvement Act (FDICIA) requirements. A successful Senior Accountant combines excellent analytical skills with a thorough knowledge of accounting principles to analyze financial reports and forecasts. Senior Accountant duties also include ensuring accuracy and effectiveness in all of our accounting tasks.

ACCOUNTABILITIES/RESPONSIBILITIES/DUTIES:

  • Prepare monthly financial statements, reports and records by collecting, analyzing and summarizing account information; prepare monthly financials for Board of Directors Package.
  • Responsible for preparing various regulatory reports, which include the quarterly FDIC Call Report, FR Y-9SP, and other Federal Reserve regulatory reports.
  • Preparing bi-weekly payroll and related items for the Bank; coordination with outside payroll vendor.
  • Processing biweekly 401(k) employee deferral and employer contributions; monitoring and updating group insurance premium updates for payroll.
  • Responsible for general ledger. Monitors daily general ledger for inconsistencies and discrepancies.
  • Responsible to draft and maintain the Bank’s accounting policies and deliver accounting training, as necessary, across the Bank.
  • Provide accounting support and guidance for existing, new and proposed accounting pronouncements.
  • Daily Journal Entries for Correspondent Bank Accounts; FMS Journal Entries including CDARS and ICS Journal Entries and Reconciliation.
  • Responsible for month-end closing process. Procedures include recording monthly operating results and recurring entries, reviewing coding on invoices, reviewing monthly transaction registers, reconciling general ledger accounts, recording equity income to parent, accounting for property taxes, preparing and analyzing data reports, and review of monthly financial statements.
  • Perform Bond Accounting System (BAS) File Maintenance; Federal Home Loan Bank of Chicago (FLHBC) Safekeeping Maintenance.
  • Assist in preparation of audit work papers and supporting documentation for year-end audits with internal auditors, external auditors and regulatory agencies.
  • Effectively communicate and work closely with business partners and other Bank departments, internal audit and/or external parties.
  • Preparation of financial statements and other financial reporting in order to satisfy applicable Federal Deposit Insurance Corporation Improvement Act (FDICIA) requirements.
  • Participation in the annual budget process for the Bank and interim forecasting.
  • Maintaining Funding Source Testing Spreadsheets.
  • Asset Liability Management (ALM) and Liquidity Risk Management Reporting.
  • Fixed Asset processing and reporting.
  • Prepaid Expense processing and reporting.
  • Maintain bank accounts by requesting disbursements.
  • Monitor reserve accounts and short-term fund investments.
  • Review bank statements.
  • Research and reconcile all discrepancies.
  • Auditing and verifying documents.
  • Following internal controls.
  • Addressing complaints and resolving problems.
  • Completing data backups; utilizing automation software to streamline processes.
  • Perform financial and profitability analyses, as requested.
  • Respond to internal and external customer requests, as appropriate.
  • Other corporate accounting duties or supervision of duties (e.g. with interns and accountants) as may be assigned.

MINIMUM QUALIFICATIONS:

  • Must have a Bachelor’s or Master’s Degree in Accounting.
  • 3-7 years of general accounting experience, public accounting and/or banking experience is a plus.
  • Strong problem solving, technical and analytical skills and the ability to work independently.
  • CPA, or plans to certify is strongly preferred.
  • Good Phone Communications Skills.
  • Strong Computer Skills.
  • Detail oriented accuracy in daily work and other projects.
  • Ability to multitask and manage changing priorities and meet communicated schedules and deadlines.
  • Adherence to policies, procedures and instructions of Chief Financial Officer.
  • Ability to maintain good working relationships with vendors and other Bank employees.
  • Ability to function well both independently and in a team oriented environment.
  • Ability to function as a team player.

Loan Processor

Summary:

The Loan Processor’s primary responsibility is to assist loan officers with bringing approved loans to funding by working closely with loan applicants and third parties, such as appraisers, title companies and attorneys.  The Loan Processor ensures the completeness of the loan file and prepares preliminary, closing and renewal loan documents in accordance with the approved terms, bank’s policies, and in compliance with federal and state regulations.  The individual often works with little supervision and engages in judgment calls and decision-making.

Essential Duties and Responsibilities:

This position is responsible for, but not limited to, the following:

  • preparing preliminary loan disclosures in compliance with Real Estate Settlement Procedures Act, Truth in Lending Act, and any other applicable federal and state regulations;
  • preparing notices of action taken in compliance with Fair Credit Reporting Act, Equal Credit Opportunity Act, and any other applicable federal and state regulations;
  • requesting title searches, title policy commitments, UCC searches, insurance certificates, articles of organization, operating agreements, trust agreements, corporate by-laws and legal opinions;
  • analyzing documentation requested above to ensure bank’s collateral position can be perfected;
  • analyzing general liability, hazard and flood insurance certificates to ensure adequate coverage;
  • running OFAC checks and collecting information in accordance with Bank Secrecy Act;
  • preparing loan documents for new loans and renewals in accordance with the approved terms, bank’s policies, and in compliance with federal and state regulations; 
  • scheduling and coordinating closings;
  • assembling closing packages and escrow agent’s instructions;
  • carrying out closings either on-site or at a client’s location and submitting documents from said closings to title companies for recording and final title insurance policy;
  • funding of loans via wire, check or disbursement into client’s depository account and approving final disbursement with escrow agents;
  • ensuring that funded loan files are complete and ready for booking onto bank’s loan accounting system;
  • collecting HMDA and CRA reporting data on each closed, withdrawn, or denied file; and
  • post-funding tracking and review of documents perfecting the collateral

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.

Education/Experience:

High school diploma or equivalent is necessary.  Current enrollment towards a Bachelor’s Degree from an accredited institution in the field of business is preferred.  Two years of banking, accounting, financial services or real estate related experience is preferred.

Language Ability:

Strong written and verbal skills are necessary.  Candidate must be people-friendly with good communicative and interpersonal skills.  The individual must be able to respond to inquiries from and be able to coordinate between multiple parties. 

Math Ability:

The Loan Processor should be able to calculate interest accrued, pay-off amounts, penalties and percentages, balance closing statements, and apply basic accounting principles as necessary.

Reasoning Ability:

The ability to solve practical problems with many variables, often in situations where only limited standardization exists, is necessary.  The Loan Processor must deal with an array of inquiries from other lending personnel, clients, escrow agents, and attorneys.  The candidate must read, analyze, and interpret a variety of loan documents, legal entity organizational documents, title and insurance policies, and bank’s internal policies and procedures.

Computer Skills:

Strong PC skills including word processing, spreadsheet, presentation, internet, and internal software are necessary.  LaserPro or other loan documentation software experience is preferred.

Certificates and Licenses:

None are necessary.

Supervisory Responsibilities:

No supervisory responsibilities are associated with this position.

Work Environment:

The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  The individual will be required to multi-task, work as a part of a team, and uphold the image of the Bank.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands and fingers to handle, or feel, and talk or hear.

Loans Operations Associate

Summary:

Loan Operations Associate’s primary responsibility is to administer loan and loan-related accounts after funding.  Loan Operations Associate processes loan payments and advances, books loans onto the Bank's loan accounting system, scans files onto Bank’s imaging platform, prepares and distributes daily and monthly reports, and promotes business for the Bank by maintaining good customer relations.

Essential Duties and Responsibilities:

This position is responsible for, but not limited to, booking new loans and changes to existing loans onto the loan accounting system, ensuring that all collateral and credit files are electronically imaged, and any paper files are properly filed and secured at the close of business each day.  Loan Operations Associate tracks and files all post funding documents such as mortgages, assignments and title policies.  The individual also monitors insurance policy renewals and real estate tax payments on all existing loans and tracks and assists loan officers in requesting financial information updates from borrowers.  Loan Operations Associate is responsible for payment of invoices for services obtained in connection with a loan and for monthly reconciliations of receivables, payables and other internal accounts related to the Lending Department.  Lastly, the individual will perform general office duties and will provide support to other staff in the department as needed.

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.

Education/Experience:

High school diploma or equivalent is necessary.  Current enrollment towards a Bachelor’s Degree from an accredited institution in the field of business is preferred.  Some banking, accounting or financial services experience is preferred.

Language Ability:

Strong written and verbal skills are necessary.  Candidate must be people-friendly with good communicative and interpersonal skills.  The individual must be able to respond to common inquiries or complaints from customers clearly.

Math Ability:

The Loan Operations Associate should be able to understand basic math computations.  The candidate will be required to calculate interest accrued, pay-off amounts, penalties and percentages.  The ability to apply concepts of basic algebra is necessary.    

Reasoning Ability:

The ability to solve practical problems and deal with a variety of questions from customers and loan officers on a daily basis is necessary.  The Loan Operations Associate should be able to know and understand typical transactions for different types of customers, identify and resolve problems in a timely manner, and gather and analyze information.

Computer Skills:

Strong PC skills including word processing, spreadsheet, presentation, internet and internal software are necessary. 

Certificates and Licenses:

None are necessary.

Supervisory Responsibilities:

No supervisory responsibilities are associated with this position.

Work Environment:

The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  The individual will be required to multi-task, work as a part of a team and uphold the image of the Bank.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands and fingers to handle, or feel, and talk or hear.

 

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