ABOUT US

Coastal Community Bank is a leader in Banking with strong Financial infrastructure leading Banking as a Service (BaaS) and Fintech strategies. The people at Coastal not only help people with their personal banking; they help businesses with banking technology integration that leads to business growth, flexible financing, and unimagined potential. We think and work like entrepreneurs, always moving and constantly improving. We are go-getters, work hard, and play hard. If you're someone who thrives on innovation, wants to help others succeed, knows how to think outside the box, and believes that we're all in this together -- you belong here.

OVERVIEW

In this role you will assist in the day-to-day operations of BaaS Programs, with an emphasis on the oversight of preparing and posting daily journal entries and related processes. As a BaaS Program Analyst III- Loan Operations, you will have a strong understanding of the products/services within the BaaS Program and be able to support the strategic goals of the Company.

RESPONSIBILITIES TO INCLUDE

• Prepare, post and review daily journal entries for BaaS Programs. Assist with quality control for the department in this function.
• Ensure that supporting documentation and processes are following internal control standards.
• Assist with quality control for document archival activities.
• Research and solve moderate-complexity problems.
• Interface with other bank departments and BaaS partners to facilitate program maintenance, resolve issues and escalate inquiries. Support department employees in this function.
• Participate in partner meetings and internal committees.
• Perform loan servicing activities.
• Assist with preparation of audit materials and responses.
• Monitor and reconcile/balance program accounts. Perform account certifications.
• Maintain a thorough understanding and proficiency in all daily operational tasks. Assist in maintaining department procedures.
• Coach and set an example to team members in daily functions to ensure accurate, efficient, and effective processes.
• Perform other operational processes for BaaS Programs as needed.
• Make recommendations to management when and where appropriate.
• Maintain proficient knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act (BSA), USA Patriot Act, OFAC, Regulation E, Truth In Savings Act and Unfair, Deceptive?or Abusive Acts or Practices (UDAAP).
• Maintain compliance with all regulatory requirements.

QUALIFICATIONS

• Proven ability to work collaboratively within a team environment.
• Shows initiative through being resourceful, inquisitive, adaptive, and an ongoing learner.
• Ability to resolve problems with minimal guidance and make general decisions for daily processing independently.
• Excellent written and verbal communication skills and the ability to communicate at all levels within an organization.
• Ability to manage multiple tasks and deadlines simultaneously within a fast-paced environment.
• Attention to detail and accuracy is a must.
• Positive and professional attitude.
• Demonstrate moderate ability to synthesize raw data. Ability to understand and apply funds flows.
• Ability to effectively present information and respond to questions from management, internal departments and our BaaS partners.

EDUCATION/EXPERIENCE

• 9 plus years of relevant banking and/or financial accounting and/or reconciliation experience strongly preferred.
• 3 years prior BaaS (FinTech) experience preferred.
• Bachelor’s degree in accounting, finance, or business; or combination of learning certificates and/or experience.
• Understand and apply accounting principles as they relate to BaaS programs and funds flows.
• Knowledge and understanding of BaaS (FinTech) with a strong technical background in bank operations, cash settlement and reconciliation, accounting, and data analysis.
• General understanding and knowledge of bank operations (ACH, Wires, Loan Servicing, Credit Charge Offs, Loan/Receivable Sales and Purchases, etc.).
• Previous experience navigating and processing high volume of transactions within a core bank system. FIS Horizon preferred.
• Proficiency with Microsoft Office suite of products to include Word, Outlook, Office, Teams, Sharepoint.
• Mid to advanced competency with Microsoft Excel skills to include XLOOKUP, VLOOKUP, pivot tables, and function formulas required.
• Familiarity with relational database systems & data applications such as Snowflake, PowerBI, and Looker are a plus.
• Experience with a ticketing system preferred (Ex: Clickup).

HOW YOU’LL THRIVE AT COASTAL

• Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.
• Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.
• Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.
• Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.
• Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.
• Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence.

BEING YOU AT COASTAL

Coastal is proud to be an equal opportunity employer.? All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. We are also committed to compliance with all fair employment practices.

PHYSICAL DEMANDS

The physical demands described below are required to 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 must:

• Can sit for extended periods of time.
• Can stand for extended periods of time.
• Can perform repetitive finger, hand, and arm movement.
• Can use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.
• Able to view and read computer screens for extended periods.
• Can occasionally stoop, kneel, crouch, or crawl.
• Can occasionally lift or move up to 10 pounds.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.