Main Street Bank

Compliance

• Oversee residential lending operations, regulatory compliance, and continuous process improvement
• Lead assigned mortgage operations staff
• Ensure compliance with HMDA, ECOA, Fair Lending, flood insurance, and related regulations
• Manage HMDA data collection, validation, monitoring, and annual reporting
• Coordinate internal, external, and regulatory audit requests and corrective actions
• Oversee mortgage loan lock administration and mortgage pipeline management
• Manage secondary post-closing conditions, investor suspense items, loan purchase requirements, and investor delivery activities
• Manage gain-on-sale reporting and related performance metrics
• Conduct mortgage vendor analysis and monitor vendor performance
• Perform or oversee mortgage-related general ledger reconciliations
• Maintain underwriting authority for residential mortgage and consumer loans
• Conduct appraisal and second-decline reviews and provide guidance on complex credit decisions
• Own and maintain departmental policies and procedures
• Lead business process improvement across mortgage workflows
• Provide functional support for Encompass and other mortgage technology platforms
• Serve as the Bank’s designated MERS Officer
• Prepare management reporting on compliance, pipeline activity, secondary market delivery, operational performance, and risks
• Represent Retail Lending on internal committees, projects, and initiatives
• Support internal, external, and regulatory auditors
• Direct, develop, and manage team members; conduct evaluations and provide coaching
• Establish departmental goals, monitor metrics, and drive business objectives
• Lead talent acquisition, succession planning, employee development, process improvement, and change management initiatives

AVP, Mortgage Operations – Compliance Manager

Controller

• Support regulatory and internal financial reporting for the Bank, its holding companies, and subsidiaries
• Assist with Accounting Department management and oversee staff and daily operations
• Process general ledger transactions and correct posting errors
• Manage holding company and subsidiary accounting, including dividends, interest payments, and financial statements
• Handle securities and fixed asset accounting
• Process and approve accounts payable, sales tax, use tax, and backup withholding reporting and payments
• Maintain the general ledger, open and close accounts, and design new financial reports
• Cross-train and provide backup coverage for department staff
• Complete daily, monthly, quarterly, and annual accounting tasks accurately and on time
• Prepare financial reports for FHLB, FDIC Call Report, DIF, Commissioner of Banks, Federal Reserve, and Internal Revenue Service
• Assist internal, external, and regulatory auditors by gathering requested materials
• Assist with federal and state tax accounting, tax provisions, estimated tax payments, and deferred tax assets or liabilities
• Authorize incoming and outgoing domestic operational wires using WITS wire automation software
• Provide backup for investment portfolio accounting, including payments, purchases, sales, maturities, safekeeping, and system maintenance
• Oversee resolution of outstanding reconciliation items
• Lead and participate in departmental projects
• Handle sensitive and confidential information in compliance with Bank policies and procedures
• Maintain compliance with Bank Secrecy Act regulations, regulatory standards, and risk controls
• Supervise assigned staff, direct work, identify training needs, and provide training
• Review and approve biweekly timecards and team time-off requests
• Complete performance checkpoints and recommend employment decisions
• Coach, counsel, discipline, and develop staff
• Review departmental procedures and recommend productivity and efficiency improvements
• Oversee daily department operations and ensure required tasks are completed accurately
• Report to the VP Controller

Assistant Controller

Analyst

• Perform independent analysis for new commercial loan requests, primarily large and complex relationships
• Independently review existing commercial lending relationships
• Identify and summarize risks, strengths, weaknesses, recommended risk ratings, alternative structures, and policy deviations
• Meet independently with commercial loan officers to discuss issues and ask questions
• Mentor and support lower-level analysts
• Assist management with oversight of the commercial and/or entire loan portfolio
• Work on projects affecting the Commercial Credit department and the bank
• Develop, maintain, and prepare tools and reports for applications, underwriting, relationship reviews, ALLL, and other workflows
• Perform quality underwriting in accordance with commercial lending regulations, policies, and procedures
• Prepare and review in-depth written analyses, spreadsheets, reports, summaries, and opinions
• Review financial and other documents and conduct research
• Perform financial analyses and projections, including what-if scenarios and stress testing
• Develop tools and techniques for complex or unique credit relationships
• Discuss and influence lenders regarding covenants, conditions, alternative structures, modifications, assessments, action plans, and turnaround requirements
• Participate in customer meetings when appropriate
• Serve as a resource on commercial lending policies, underwriting, and approval requirements
• Share analytical knowledge and techniques; train and guide analytical staff
• Request borrower documentation and coordinate services needed for commercial lending
• Assist with oversight, coordination, and support of department members’ work
• Review existing loan files for completeness and accurate, timely updates
• Support management and oversight of the bank’s loan portfolio
• Maintain knowledge of bank loan products, procedures, and regulatory changes
• Assist internal, external, and regulatory auditors with requested materials
• Manage work independently, identify obstacles, meet deadlines, and create action plans
• Maintain relationships with department and organizational leaders
• Protect sensitive and confidential information and comply with bank policies
• Maintain regular attendance and complete required training
• Interact independently with internal and external customers
• Provide Commercial Credit subject-matter information and guidance within the organization

Senior Commercial Credit Analyst III

• Oversee residential lending operations, regulatory compliance, and continuous process improvement
• Lead assigned mortgage operations staff
• Ensure compliance with HMDA, ECOA, Fair Lending, flood insurance, and related regulations
• Manage HMDA data collection, validation, monitoring, and annual Loan Application Register reporting
• Coordinate internal, external, and regulatory audit requests; track findings and corrective actions
• Perform or oversee flood reviews and translate regulatory changes into procedures, controls, and staff guidance
• Support mortgage loan lock administration and oversee mortgage pipeline management
• Manage secondary post-closing conditions, investor suspense items, loan purchase requirements, and investor delivery activities
• Manage gain-on-sale reporting and operational performance metrics
• Conduct mortgage vendor analysis and recommend operational enhancements
• Perform or oversee mortgage-related general ledger reconciliations
• Maintain underwriting authority for residential mortgage and consumer loans
• Conduct appraisal and second-decline reviews and provide guidance on complex credit decisions
• Provide backup underwriting support and guidance on credit policy, underwriting guidelines, and investor requirements
• Own and maintain departmental policies and procedures
• Lead business process improvement across mortgage workflows
• Provide functional support for Encompass and other mortgage technology platforms, including configuration, testing, issue resolution, and enhancements
• Serve as the Bank’s designated MERS Officer and complete required attestations, reports, certifications, and administrative duties
• Prepare management reporting on compliance, pipeline activity, secondary market delivery, operational performance, and risks
• Represent Retail Lending on committees, projects, and initiatives
• Support internal, external, and regulatory auditors
• Maintain NMLS&R registration and uphold SAFE Act responsibilities
• Direct, develop, and manage staff; conduct performance evaluations and provide coaching and feedback
• Establish departmental goals, monitor performance metrics, and drive business objectives
• Lead talent acquisition, succession planning, employee development, process improvement, and change management initiatives
• Review and approve employee timecards and time-off requests
• Adhere to Bank policies, regulatory standards, risk controls, and required training

AVP, Mortgage Operations, Compliance Manager

Facilities Coordinator

• Ensure all locations are prepared for employees and customers and maintain a secure, safe, clean, and presentable environment
• Perform hands-on maintenance services and visual inspections at branch locations
• Monitor and maintain work orders and projects through Salesforce
• Evaluate daily work and special projects and direct planning and day-to-day task completion
• Lead and participate in morning huddles and facilitate meetings as directed
• Act as department lead when the manager is out of office
• Travel regularly/daily to Main Street Bank locations and customers
• Schedule and/or perform routine preventative maintenance at bank-owned and leased locations
• Manage supply orders and maintain supply, shop, vehicle, and assigned areas
• Participate in the after-business-hours on-call facilities support rotation
• Manage and coordinate vendors, scopes of work, quotes, vetting, and oversight of work
• Support physical security needs involving video surveillance, access control, intrusion systems, and user access
• Support records retention, storage, and destruction processes
• Provide backup mail courier processing and delivery while following information-transport procedures
• Provide project management support, schedule and oversee vendors, inspect work, and compare actual expenses with budgets
• Oversee assigned staff, schedule and assign work, prioritize competing demands, and provide training and guidance
• Contribute to performance reviews and recommendations for performance management and development
• Monitor departmental procedures and recommend productivity and efficiency improvements
• Maintain compliance with Bank Secrecy Act regulations, bank policies, risk controls, and required training

AVP, Mortgage Operations – Compliance Manager

Assistant Controller

Senior Commercial Credit Analyst III

AVP, Mortgage Operations, Compliance Manager

Facilities Coordinator – Team Lead