ESSENTIAL DUTIES:  (Under General Supervision)
1.  Manage and develop commercial lending team members. Additionally responsible to cultivate and manage large and/or complex commercial loan accounts:  interviews applicants, collects and analyzes the financial and related data to establish credit worthiness, establishes and negotiates where necessary, credit terms, and continues to monitor the customers’ credit worthiness and repayment activities.
2.  Represents the Bank with customers to discuss loan requests, general status of business and to sell certain products or services including terms of credit, costs, repayment methods and collateral requirements.
3.  Carries out new business development including solicitation of various customers/ prospects and, advising customers on business products and services and cross sells various other bank services such as non-credit items, etc.
 4.  Approves or rejects loan requests within their individual or team lending authority, and recommends loan reports to the Commercial Loan Manager.
5.   Recommends and presents loan requests to the Management Loan Committee L Directors Loan Committee when the dollar amount exceeds the Management Loan Committee lending authority.
6.  Prepares all necessary documentation required for closing of commercial or similar loans including drafting commitment letter, closing loan directly, etc.  As appropriate, contacts attorneys, customers, insurance representatives, etc. to obtain any additional information necessary to expedite loan closing.  Negotiates all final term of loan with customer as required.
7.   Assures the professional development of the staff.
8.   Maintains professional and community relations to increase the Bank’s visibility and new business opportunities.
9.   Regularly communicates with customers, attorneys, title companies, insurance representatives and others as prime contact for the Bank to answer questions and, obtains information.
10.  Performs other duties as required

Title: Compliance Officer
Responsibilities:
The incumbent is responsible for all compliance issues (i.c. AML, Data Protection and Comp) of the Branch and for monitoring adherence to the Bank's policies and procedures. Such responsibilities shall include:
-Acting as Money Laundering Reporting Officer
-Compliance Officer and Data Protection Officer
-Implement and coordinate the Compliance Program for the NY and GC Branches.
-Develop, write and update all compliance procedures, as necessary .
-Review all functional areas within the NY Branch to ensure compliance with Bank policy, Supervisory guidelines, and adequacy of operational and systems controls
-Be aware of new and/or changing regulations by using such sources as: The Federal Register, FRB & US Treasury Alert Services, CCH Research Network, FRBNY , NYSBD, and other Internet based websites, and various hard-copy or e-mail notifications received from other sources.
-Ensure that existing U.S. AML regulations have been complied with.
-Review related compliance policies in conjunction with each review to ensure adherence by the respective department. Identify and report on policies/procedures that need to be revised in accordance with changes in banking regulations, or where a procedure is required but does not exist.
-Forward a written report to the respective Department Head, Branch Controller and Head Office for each compliance review performed. Follow-up on significant issues to verify that policies/procedures are corrected and that proper steps are taken to eliminate re-occurrence.
-Forward a monthly summary report, the Report of Compliance/NY, to Head Office.
Conduct in-house 'BSA, AML  training seminars for all Banks NY employees; develop and revise training material as needed. Promote a compliance culture throughout the Branch.
Monitoring Personal Account Dealing matters:
-Implement Chinese Walls / Information Barriers for all sensitive information
-Promote an awareness to 'sensitive non-public information', 'insider trading', and Employee Responsibilities under 'personal account dealing' compliance
-Compare PAD 'transaction confirmations' upon receipt against Banks NY's Restricted List to avoid insider dealing, or internal role breaches
-Discuss and resolve Levell PAD issues directly with the respective employee (s)
Anti-Monev-Laundering and OFAC matters:

Additional Information:
DATA PROTECTION OFFICER

Title: RELATIONSHIP MANAGER-CORPORATE BANKING
Senior Relationship Manager-Corporate Banking-VP
-Assume responsibility for a large diversified portfolio in technology, aerospace +defense, rail stock and services. .. develop these relationships further.
- Identify new clients.  Develop new business.
-Manage and service client portfolio daily.
- Cooperate closely with other business units.
-Monitor and report on regular basis-actual vs. budget.
- Develop tailor made structural solutions for clients needs with product specialists.
-Contribute to marketing events.
Industry experience in: Technology; Aerospace; Defense; Rail stock and
Service Industries.
Requirements:
5 to 10 years exp-preferably with an international bank.
Strong focus on credit and risk management.
Experience in negotiating at senior management level:
Finance directors/CFO.
Established market player with corresponding experience in aerospace + defense, technology, rail stock and services industry in N. American including Canada.
Knowledge of regulatory environment.

Pat Crystal

Title: AVP-CREDIT ANALYST-CORPORATE (NYC)
3 to 5 years experience
Job Title Assistant Vice President

The AVP position in NY will ensure the effective guardianship of its extensive Corporate, Financial Services and Sports Franchise portfolio. This will take place through the provision of effective financial analysis and monitoring through diligent and continuous evaluation of the borrower's financials, operations, collateral, compliance/reporting requirements, loan documentation and market conditions. This is applied in order to complete loan reviews, produce industry/ sector papers and other analysis and reports as may be required.

Key Dimensions:
-Annual/quarterly loan reviews on approximately 20 corporate, financial services and sports franchise borrowers resulting in 80 reports per year (total loan commitments of $625 million);
- Sector papers completed twice per year - high degree of detail and market/industry/niche specificity for a target audience which includes the North America Executive, Risk Management professionals, Credit experts etc;
- Amendments, waivers, consents to be written periodically;
- Supporting a team of highly qualified Corporate Finance account officers.

Scope of Responsibilities:
-Analyzing corporate and financial services borrowers' creditworthiness in a broad range of sectors including broadcasting, automotive/transportation, pulp & paper and banks, which will cover the business, industry, competition, financial statements, and forecasts to complete loan reviews in accordance with all Bank policies, procedures and standards.
- Evaluating and monitoring corporate loan documentation, compliance/covenants requirements, collateral valuations and supporting legal documents, identifying risks and issues within the portfolio and following through with any necessary remedial action.
- Creating and spreading financials accurately on Excel software to determine and evaluate borrower's financial results, producing reportage etc as appropriate.
- Identifying loans with potential or well defined credit weakness and alerting the Portfolio Manager (VP Level 4), Account Officers (usually SVP Level 5) and Regional Director (Level 6) to issues and trends on a proactive basis.
- Ensuring accuracy and completeness on conformity with bank policies and procedures and applicable regulations with corporate reporting.
-  Developing and managing relationships with rating agencies, trade associations, industry analysts to gather information and data on current and prospective borrowers.
- Presenting analysis and results in writing and verbally to risk management, credit, account officers and regional director for loan reviews, amendments, sector paper, etc.
- Establishing sound professional working relationships with account officers within the department and across the North America business with particular emphasis on excellent teamwork with Risk Management, Credit, Business Services, etc.

Pat Crystal

Title: ENERGY ANALYSTS-STRUCTURED FINANCE
RESPONSIBILITIES; WORK WITHIN A DEDICATED TEAM WITH HIGH LEVEL OF RESPONSIBILITY INCLUDING PREPARING MARKETING MATERIALS AND PRESENTATIONS, CONDUCTING PRO FORMA MODELING AND VALUATION, COORDINATION OF DUE DILIGENCE, ATTEND NEGOTIATING SESSIONS, PARTICIPATE IN TRANSACTION DOCUMENTATION, AND ASSIST CLOSINGS.

Types of Transactions: Focus on Power Sector including M&A, at corporate and asset level. Project Finance advisory for commercial bank and institutional debt as well as capital markets issuances. And strategic advisory such as valuations. Work closely with Project Finance Lending Group and Derivatives Financial Markets Group.

REQUIRED SKILLS AND EXPERIENCE;
Superior analytical ability .
Experience with pro forma modeling to be used in project financings and M&A.
Solid writing and research skills to prepare memoranda, industry analysis, and new business presentations.
High energy and good organizational skills.

Pat Crystal