Bank of Clarke

Financial Planning and Analysis

• The Financial Modeling Manager is responsible for developing, maintaining, and evolving the Company’s core financial risk and performance models, with a primary focus on CECL modeling.
• This role will serve as the internal owner of credit loss, capital and ALM-related models, supporting enterprise decision-making, regulatory compliance, and strategic planning.
• CECL Modeling: Own the design, development, governance, and ongoing maintenance of the Company’s CECL models. Oversee model methodologies, assumptions, documentation, validation support, and management reporting related to CECL estimates. Partner with Credit, Finance, Risk, and auditors to ensure CECL outputs are well-supported, explainable, and compliant with accounting and regulatory expectations.
• Capital Modeling: Develop and maintain capital forecasting and stress testing models used for strategic planning and regulatory analysis. Support capital adequacy assessments, dividend planning, and growth scenarios.
• ALM Support: Support our outsourced interest rate risk modeling, earnings-at-risk, and economic value of equity analysis.

Financial Modeling Manager

General

• Administer fiduciary accounts as directed by governing documents
• Tend to the daily needs and demands of trust and investment clients and beneficiaries.
• Manage tax impacts of investment activities.
• Prepare distribution requests
• Maintain and apply basic knowledge of income tax and wealth transfer tax systems
• Prepare for and participate in Trust Committee meetings
• Work tactfully and professionally with account owners, beneficiaries, and other clients
• Perform annual regulatory reviews
• Open and close accounts
• Prepare requests for investment transfers or trades
• Prepare and submit court accountings, as required
• Work directly with investment advisors to carry out investment objectives
• Attend client calls and meetings
• Interface with securities operations and investment personnel
• Coordinate bill payment
• Prepare system reports of financial information;
• Assist with regulatory audits
• Calculate and collect management fees following approved fee schedules

Senior Trust Officer

Manager

• Manages and administers a portfolio of commercial loans, ensuring asset quality, compliance, and strong client relationships, working closely with Commercial Loan Officers and Credit Officers
• Prepare accurate and timely financial statement spreads
• Underwrites commercial new loan and line renewals; analyzes financial statements, tax returns, cash flows, and industry data for C&I, CRE, and SBA loans
• Assist in structuring new credit requests adhering to policy: develops appropriate loan terms, covenants, pricing
• Conducts an annual evaluation of relationships within portfolio
• Monitors portfolio delinquency and assists commercial lenders with calling on existing clients for payments up to 30 days past due
• Responsible for monitoring, creating, and updating required financial reporting
• Evaluate existing credit relationships and assign/affirm/request the appropriate risk rating based on the assessment of risk concluded through the analysis process
• Coordinate approval process with Credit department and in Loan officer’s absence present to approval committee
• Review and edit commitment letters ensuring accuracy between commitment letters and approval
• Leads at minimum monthly (or as needed) portfolio management meetings with Lenders and lending assistants
• Stay well-versed in current economic market trends to provide timely and relevant insights.
• Assume additional responsibilities, as requested

Senior Commercial Loan Portfolio Manager

• Develop and implement strategies for collections and special assets.
• Align departmental goals with organizational objectives.
• Lead a high-performing team with a focus on accountability and continuous improvement.
• Oversee collections of delinquent accounts and restructuring troubled credits.
• Manage disposition of special assets including NPLs, foreclosed properties, and repossessed collateral.
• Supervise valuation, impairment analysis, and timely disposition of non-performing assets.
• Create and update policies and procedures for collections and special assets.
• Ensure compliance with laws, regulations, and internal risk standards.
• Coordinate with legal and compliance teams to minimize legal exposure.
• Represent the organization in audits, regulatory exams, and external reporting.
• Monitor performance metrics and analyze portfolio trends.
• Prepare executive-level reports on collections, recoveries, and reserves.
• Develop early warning systems for credit deterioration.
• Establish and track KPIs for collections and asset recovery.
• Recruit, mentor, and train collections and asset management staff.
• Provide ongoing training to ensure adherence to best practices and regulatory standards.
• Act as escalation point for complex or high-value recovery cases.
• Collaborate with senior leaders across Credit Risk, Lending, Legal, and Operations.
• Ensure seamless integration of collections and asset management strategies.
• Manage relationships with external vendors (e.g., collection agencies, law firms, appraisers, auctioneers).
• Maximize asset recovery and control costs.
• Lead or support M&A due diligence, portfolio sales, stress testing, and crisis response to credit events.
• Drive innovation in recovery strategies using technology, automation, and analytics.

Special Assets Manager

• Provide lending services and financial advice to customers interested in mortgage loans for the purpose of purchasing, refinancing or constructing real estate.
• Interview applicants to obtain their financial position and ability to repay.
• Collect and analyze all necessary documentation and review for loan approval.
• Review various loan products to recommend best fit for the customer depending on credit history, down payment, and amortization requirements.
• Utilize training materials, reference tools, and other resources to provide accurate up-to-date loan program/policy information to clients and partners.
• Ability to communicate and manage client information through loan operating system, and any other system applicable to the process.
• Develop and maintain successful relationships with business referral sources.
• Increase mortgage loan portfolio by developing business contacts, attracting mortgage customers.
• Weekly calls and appointments on potential and existing customers as established in marketing plan to develop new business or retain existing business.
• Approve mortgage loans by examining application and supporting documentation; estimating credit worthiness; calculating repayment risk.
• Complete mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; provides underwriting with complete and accurate loan applications; communication with customers and partners during various stages of the loan process; scheduling and completing mortgage loan closing.
• Identify cross-selling opportunities of deposit, investment or other loan products.
• Expedite the processing of various loan documents and ensure compliance with policies, procedures and guidelines.
• Works closely with team members to ensure timely follow-up on all new leads generated by referrals and marketing programs.
• Resolve concerns and answered questions for parties involved with each transaction to ensure successful.
• Ensure exceptional client experience by overseeing loan process from origination to closing.
• Protect bank’s image by keeping mortgage loan information confidential.
• Update job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks, participating in professional organizations.
• Develop fee income from existing and prospective customers.

Financial Modeling Manager

Senior Trust Officer

Senior Commercial Loan Portfolio Manager

Special Assets Manager

Mortgage Loan Officer