BayCoast Bank

Account Manager

• Handles and process new and renewal personal lines business.
• Provides in-house customer service to clients as assigned and requested.
• Works with producers on new business and renewals.
• May process direct bill daily deposit.
• Reviews accounts and informs and educates clients about coverage, exclusions and exposures.
• Conducts annual account reviews.
• Monitors renewal process by verifying all policies listed on the expiration list have been renewed or rewritten and remarketed as needed.
• Receives phone calls from clients and companies regarding insurance, claims or administrative problems, and complies with the request and/or refers to the producer when necessary.
• Keeps producers fully informed of all important activities on their accounts.
• Maintains a suspense system to follow up on outstanding endorsements, new business policies and correspondence and follows up on overdue suspense items.
• Maintains electronic and/or paper files in an orderly, up-to-date manner with full policy detail and uses the system for all notes and diaries.
• Is proficient and stays current with the Agency Management System, policies and procedures, and all other pertinent software programs.
• Attends appropriate internal and external meetings relating to banking and insurance.
• Sells insurance products with the ability to earn commissions.
• Embraces the Bank’s commitment to SOLUTIONS by seeking and recognizing opportunities to refer new business to different areas of the Bank, BayCoast Insurance, Plimoth Investment Advisors, BayCoast Financial, and BayCoast Mortgage.
• Performs additional duties at management’s request.

Personal Lines Account Manager

Operations

• POSITION TITLE: Commercial Operations Generalist DEPARTMENT: Loan Operations FLEXIBLE WORK PROGRAM ELIGIBILITY CODE: Hybrid Work (HW) & Flextime (FLT) Function: Under the general direction of the First Vice President of Loan Operations, and in collaboration with the Commercial Team Lead, the employee will review and process all commercial loans originated by Commercial Lending Department, in accordance with corporate policy, and state and federal regulations. This position performs all tasks associated with BayCoast Bank’s Commercial Loan portfolio. Duties: Perform loan set-up on core system (COCC Insight) along with any monetary transactions. This includes the accurate assessment of loan fees. Additionally, this person is responsible for processing each deal in accordance with the promissory note, loan approval, and any other loan documentation. Each deal varies and will require analytical and interpretative skills. Perform a quality control review of all new commercial loan bookings. Verify all required documents are present and have been completed accurately. This requires the review of moderate-to-complex documentation for accuracy of data and conformity to established procedures and policies. Perform file maintenance on commercial loan accounts including modifications, extensions, renewals, and any other amendments to terms of the agreement. Track missing collateral or insurance documentation not received in closing package. Follow-up with administrators and lenders to ensure documentation exceptions and pending items are resolved in a timely manner. Establish and maintain records on CoreLogic for real estate tax tracking. Perform routine transactions on commercial loan accounts, including payment processing and the daily postings of commercial loan payoffs and advances. Quote and prepare all commercial loan payoffs. This includes the assessment of discharge fees. Process all credit inquiries and audit verifications for commercial accounts. Assist with the maintenance of various portfolios, including but not limited to, construction loans, participations loans (lead and non-lead), SWAP loans, and SBA loans. Process payments on all loans that have an interest reserve and monitor remaining balances. Perform a daily/weekly/monthly review of various department reports. Manage loan payoffs as well as the partial release of collateral and the discharge of collateral for all commercial loans. Review registries, verify collateral documents, and file discharges and terminations with the appropriate entities through Simplifile and Lien Solutions. Mail payoff packages to customers who have paid off their loans. Serve as commercial customer contact for questions relating to the servicing of their accounts. Perform loan review and maintenance, resolving both commercial loan and deposit issues. Provide additional customer service back-up for other sections of the Operations departments. Assumes additional responsibilities as requested. Overtime is required during high volume periods to keep up with workflow. Embraces the Bank’s commitment to Solutions by seeking and recognizing opportunities to refer new business to different areas of the Bank, BayCoast Insurance, Plimoth Investment Advisors, BayCoast Mortgage Company, Teamwork Funding, and Priority Funding. Behavior and performance align with the guiding principles and purpose that define the organization’s mission (To provide exceptional service and solutions for our community), and core values (Take pride in what I do; Believe that what I do is important; Care about people; Have a positive attitude). Requirements: To perform this job successfully, an individual must be able to perform each essential job function in a satisfactory manner. The requirements listed are representative of the knowledge, skills, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Knowledge – Understanding of loan processing practices, methods, and procedures. Ability to work in a high demand, deadline sensitive environment. Technology – Ability to operate a personal computer, including the ability to work with Microsoft Word, Microsoft Excel, Microsoft Outlook, and Microsoft Teams, as well as navigate the internet. Experience with COCC Insight and Salesforce preferred. Accuracy/Quality – Achieve a high standard with workflows and outcomes. Complete tasks with a concern for all the details, monitoring work for precision, clarity, and completeness. Dependability – Ability to follow instructions and respond to management’s directions. Time Management – Assess multiple tasks or issues which are competing for limited time and resources, effectively determining their order, and addressing them. Set priorities, goals, and timeframes to achieve their maximum productivity. Maintain and keep record of their complete and incomplete tasks. Teamwork – Collaborate and cooperate with others as a part of a formal or informal team to accomplish Bank goals. Respect the needs, ideas, and contributions of others. Contribute to and accept group consensus. Subordinate their own objectives to those of the Bank and/or their team. Communication – Good communication skills, both verbal and written, whether it be internal staff, customers, and/or third-party vendors. Actively listen, provide explanations, or feedback, and resolve conflict in a polite manner. Adaptability to changes in both the workplace and regulations. Customer Service – Provide quality customer service, meeting the customer’s needs in a timely, efficient, and professional manner. Follow up on customer complaints, questions, or requests. Maintains confidentiality. Equipment Used: General office equipment.