Gulf Coast Bank and Trust Company

Financial Planning and Analysis

• Review all construction related documents in a Borrower’s loan request including but not limited to construction contracts and construction plans and specs.
• Reviews Borrower’s requested General Contractors to ensure they have acceptable experience and financial wherewithal to complete the construction project.
• Works with third party construction management vendors to manage construction project’s progress to ensure projects are staying within budget.
• Processes construction loan draws per Loan Policy and SBA (if applicable) regulations.
• Prepare and process loan disbursements and maintain disbursement history, including associated invoices, in accordance with the appropriate authorization.
• Assist with imaging of the loan closing documents and reviews for accuracy and completeness of required information.
• Organizes the loan file to ensure efficiency of loan to progress.
• Partners and assists the servicing specialists’ team as well as other team members to ensure the smooth and efficient flow of information.
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank’s compliance with all regulatory requirements.
• Adheres to policy & procedure of Franchise Finance group and must comply with BSA/AML/OFAC regulations and guidelines.
• Assists with various administrative tasks to support department operations, as directed; may also be assigned special projects.
• Perform other duties as assigned or as required based on business needs or upon management’s discretion.

Construction Loan Manager – Franchise Finance

Account Executive

• Responsible for handling larger and more complex factoring relationships and portfolio size
• Manage relationships with clients specializing (but not limited to) in TL, LTL, Autohauling, Sand, Warehousing, Intermodal moves
• Provide courteous, timely and effective customer service to both internal and external customers
• Manage assigned portfolio through complete and current knowledge of client’s business operations, AR performance and industry trends
• Identify/escalate suspicious/inconsistent activities, overall account performance and any over-advance issues to management timely
• Responsible for ensuring all invoices funded comply with approved program structure
• Propose changes to client structure including contract terms, advance structure, and client risk ratings
• Resolve factoring service problems, control operational costs and minimize loss of clients to competition
• Interact with the Operations Team to ensure daily procedures and workflow are consistent
• Maintain a portfolio of accounts with outstanding NFE >$5 million to be measured at each quarter end

Account Executive II

Call Center Representative

• Assists external and internal clients with debit card, digital banking and various banking needs via telephone.
• Identifies client needs, clarifies information, troubleshoots, and research to resolve every issue and/or provide solutions related to banking needs.
• Manages outbound calls in a timely manner.
• Answers incoming calls to assist with digital banking needs, provide information about products and services, and respond to client complaints in a respectful and helpful manner.
• Participates in training programs to continuously improve product knowledge and service skills.
• Escalates client complaints or issues to management when necessary.
• Handles debit card travel alerts and increases for clients and branches.
• Processes deposit account file maintenance, requests for copies of checks and/or statements, and other requests as necessary.
• Responds to requests for stop payments, including COD interest check stop payment requests.
• Places outbound calls when needed.
• Works shift schedule and/or swing shifts, including nights and weekends.
• Completes special projects and additional duties as assigned.

Call Center Specialist – Swing Shift

• Assists external and internal clients with debit card, digital banking, and various banking needs via telephone
• Identifies client needs, clarifies information, troubleshoots, and researches to resolve issues
• Manages outbound calls and answers incoming calls for assistance with digital banking needs
• Participates in training programs to improve product knowledge and service skills
• Escalates client complaints to management when necessary
• Handles debit card travel alerts and increases for clients and branches
• Processes deposit account file maintenance and requests
• Responds to requests for stop payments
• Completes special projects and additional duties as assigned