money management work Jobs

10/23/2009 - Nashville, TN - MORTGAGE LOAN OFFICER
Branch Banking and Trust Company
Line of Business: MORTGAGE Job Category: Sales Primary Purpose: Responsible for the sales and marketing of BB&T Mortgage Loan products within bank policies and procedures as well as consistent, effective referrals of mortgage clients for other bank services, (Integrated Relationship Management), including the qualifying package of services, and insurance products. Essential Duties and Responsibilities: Following is a summary of the essential functions for this job. Other Duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Execute effective mortgage marketing plans to meet or exceed agreed upon mortgage production goals. 2. Maintain a complete and thorough knowledge of BB&T Mortgage Strategies, Policies and Procedures, as well as secondary market investor's guidelines utilized by the bank. 3. Adhere to and comply fully with any and all BB&T policies and procedures related to internal and external rules and regulations, particularly those established by State and Federal law. 4. Provide mortgage clients sound mortgage advice based on a full understanding of client needs as well as BB&T Mortgage products and their benefits. (Profiling) 5. Consistently execute on BB&T's referral process (IRM) by introducing mortgage clients to other bank services for cross sell opportunities. 6. Assist Mortgage Loan Administration with client, attorney, or appraiser document follow-up as determined through quality control or post closing review. Required Skills and Competencies: The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. High school diploma or equivalent education and related training 2. Minimum of one year experience in banking and/or lending environment with basic knowledge of residential property types 3. Good organizational skills 4. Good written and verbal communication skills 5. Possesses solid interpersonal and negotiation skills 6. Demonstrated proficiency in relevant computer applications 7. Ability to provide own transportation to travel as needed Desired Skills 1. Bachelor's degree in Business, Marketing, Accounting, or related studies 2. Two or more years of experience in residential mortgage lending with solid knowledge of the local market and regulations 3. Completion of elective training curriculum in Mortgage Lending
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1/30/2010 - Reading, PA - Mortgage Originator
M&T Bank Corporation
This position is located in Reading, PADID YOU KNOW: M&T Bank made Forbes Magazines 400 Best Big Companies list for the 10th time this year, that weve been in business for over 150 years and are one of the nations top 20 bank holding companies with close to $66 billion in assets? Within our Mortgage team, we already have a seasoned group of professionals who specialize in creative outside sales, superb customer service and producing amazing results! In this position, you will play an integral role in growing M&Ts Mortgage presence in the market! OVERALL GOAL OF POSITION:To work with existing and new customers who are interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and/or other residential mortgage programs that best meet their financial needs and objectives.CUSTOMER SERVICE GOALS:To Interview applicants and collect/ analyze information regarding their income,assets, debts and credit data as well as their needs, desires, and earnings, obtain and analyze pertinent financial and credit data. - Independently assesses applicants credit worthiness and determine productsthat best meet the customers needs and financial circumstances and advisespotential borrowers regarding the advantages and disadvantages of differentfinancial products. - Make recommendations to customers regarding other bank products or toalternative lending vehicles. - Represent the bank in the community and related functions to identify,develop and promote additional business. SALES GOALS: -To cultivate new mortgage business. Market, service and promote the banksmortgage products. This includes the solicitation of residential first mortgagesthrough contacts with Realtors, builders, and developers. Regularly works at abank facility, but may be required to travel to and work at prospective customers'homes or business locations. -Ensure lending compliance with all origination procedures including bank policiesand procedures and regulatory requirements. -Independently monitor trends and developments in the local real estate market, aswell asthe changing rules and regulations pertaining to both private and governmentinsured mortgages.WHAT YOU NEED TO BE SUCCESSFUL: -Two (2) to three (3) years current mortgage sales experience in the existing market. -An existing pipeline of business with a stable Center of Influence in the market. -A thorough knowledge of FHA/VA regulations, conventional loan requirements andReal Estate law. -General knowledge of personal computers and software programs. -Strong mathematical skills. -Self-motivated and well organized. Excellent verbal and written communicationskills and the ability to interact with individuals at all income levels in aprofessionalmanner. -Demonstrated ability to work independently and to follow through on details tocompletionand the ability to work under critical time constraints.
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12/19/2009 - Evans, GA - Mortgage Loan Originator
Synovus
This is a 100% commissioned job. Calls on current affiliates, Realtors, and builders to solicit mortgage loans. Networks with agents, attorneys, CPAs, appraisers to develop referral base. Executes loan application process in full, and assists processor in gathering information needed to approve the loan. Participates in community activities in order to keep contacts fresh and better understand the local real estate market. Negotiates competitive fees and rates for the various loan programs. Generates new ideas to facilitate productivity and enhance customer service. Responsibility Level: Responsible for developing loan referrals and repeat loan business. Requires a high level of customer service and attention to detail. Works independently and must be a self-starter. Incumbents are expected to get along well with other employees, follow directions, work well under stress, and maintain acceptable attendance on the job. In order to be considered for this position, candidates must be eligible to work in the U.S. and will not need sponsorship from the employer now or in the future, in order to obtain, extend or renew authorization to work in the United States. Synovus Mortgage is an Equal Opportunity Employer supporting Diversity in the workplace. M/F/V/D
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1/13/2010 - Franklin, MA - Reverse Mortgage Officer (9187)
Rockland Trust
9187 Job Description Rockland Trust Company is Currently Seeking a Reverse Mortgage Officer in the Franklin Area As a Reverse Mortgage Officer you will be responsible for soliciting and originating reverse mortgages from various sources including Community Outreach Programs,attorneys, healthcare organizations, realtors, builders, financial planners/professionals, past customers and other nontraditional sources. The Reverse MortgageOfficer is responsible for creating awareness and demand for Reverse Mortgages. The ideal candidate is empathetic to the unique needs of Seniors with the primary focus on how a reverse mortgage will help them achieve their financial goals Act as a representative of Rockland Trust Company, participating in and corporate programs and activities, as appropriate. RESPONSIBILITIES Generate loans from a variety of sources:bank leads, personal contacts, professionalreferrals, sales activity. Consult with borrower on short and long-term goals, and match borrower with best loan products/lender to fit customer goals. Educate the borrowers on the Reverse Mortgage product, loan processing, and loan closing. Take complete loan applications together with required signed disclosures. Input loan information into LOS. Run and analyze customers credit report. Run AUS with select lender. Manage rate and final pricing. Act in accordance with all applicable State & Federal regulation. Required Skills Certified Senior Advisor Designated Minimum 2 years experience in Reverse Mortgage sales and originations. Experience in engaging and serving the senior population Job Location Franklin, MA, US. Position Type Full-Time/Regular
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9/7/2009 - Little Rock, AR - Claim Rep, Outside Property/Ft. Smith, AR
Travelers
Committed. Competitive. Constructing our Future. That's Travelers. We are one of the leading insurance companies in the United States. Our superior financial strength and consistent record of strong operating returns mean security for our customers - and opportunities for our employees. You will find Travelers to be full of energy, and a workplace in which you truly can make a difference. LOCATION: Fort Smith AR Area SUMMARY: Demonstrate proficiency in first party estimating, investigation, evaluation and negotiation at the most reasonable cost. Satisfy customer needs and ensure file quality. PRIMARY DUTIES: Handle 1st party Property claims of moderate complexity as assigned. Complete field inspection of losses including accurate scope of damages, photographs, written estimates and/or computer assisted estimates. Investigate and evaluate all relevant facts to determine coverage, damages and liability of first-party property damage claims. Access and inspect all areas of a dwelling or structure including tight spaces such as attic, staircases, entries and crawl spaces Lift, carry, unfold and set up ladder weighing approximately 38 pounds; climb ladder; transition to and from ladder to area requiring inspection; walk on roof. Establish timely and accurate claim and expense reserves. Negotiate and convey claim settlements within authority limits. Write denial letters, Reservation of Rights and other complex correspondence. Control damages through proper usage of cost containment tools. Meet all quality standards and expectations per Best Practices. Maintain an effective diary system and document claim file activities in accordance with established procedures. Manage file inventory to ensure timely resolution of cases. Handle files in compliance with state regulations, where applicable. Provide excellent customer service to meet the needs of the insured, agent and all other internal and external customers. Identify and refer claims with MCU exposure to the supervisor. Recognize when to refer claims to Special Investigations Unit and/or Subro Unit. Perform administrative functions such as expense accounts, time off reporting, etc. as required Perform any other duties as required. Occasional Catastrophe Duty, including other offices and states may be required. EDUCATION/COURSE OF STUDY: College degree or equivalent in business discipline. WORK EXPERIENCE: Previous property claim handling experience is preferred. Knowledge of construction, estimating and estimating system (Xactimate preferred) CERTIFICATES/DEGREES: Valid driver's license COMMUNICATION SKILLS: Must display solid verbal and written communications skills. COMPUTER SKILLS: Hardware and software skills and abilities including computers and other similar electronic devices. OTHER: Excellent organizational skills with the ability to work independently. Solid analytical skills. Excellent negotiation skills. Incumbents who fill this position will be subject to periodic post-hire criminal background checks while employed in this position. As a condition of acceptance for the position, selected candidates for this position will be required to electronically accept the Fair Credit Reporting Act (FCRA) Disclosure Statement and Authorization included in the online employment application. You may also be subsequently asked to accept similar FCRA authorizations periodically throughout your employment with the Company.
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10/6/2009 - Wyomissing, PA - Outside Claim Representative Auto Liability - Philadelphia, PA Area
Travelers
Committed. Competitive. Constructing our Future. That's Travelers. We are one of the leading insurance companies in the United States. Our superior financial strength and consistent record of strong operating returns mean security for our customers - and opportunities for our employees. You will find Travelers to be full of energy, and a workplace in which you truly can make a difference. Job Title Outside Claim Representative Auto Liability Location PA Claim Center (Philadelphia area) TERRITORY: Philadelphia area (Counties of Bucks, Montgomery) SUMMARY: Conduct coverage investigation and analysis, outside liability investigation and analysis, evaluation of bodily injury, property damage claims, negotiation and resolution of auto bodily injury claims (personal and commercial lines) and homeowners liability claims. Make face-to-face, same day contact with claimants and insureds, provide outstanding customer service, and adhere to company Best Practices. Promptly manage claims by completing essential functions and assure files are appropriately documented and concluded. PRIMARY DUTIES: Timely coverage analysis and communication with insured based on application of policy information to facts or allegations of each case. Consult with Unit Manager on use of Claim Coverage Counsel. Investigate each claim through prompt contact with appropriate parties such as policyholders, accounts, claimants, law enforcement agencies, witnesses, agents, medical providers and technical experts to determine the extent of liability, damages, and contribution potential. Take necessary statements. Utilize available resources for additional activities / needs as required (nurse consultants, special investigators, property adjusters and other experts). Maintain claim files on an effective diary management system to ensure that all claims are handled timely. Document claim file activities in accordance with established procedures. At required time intervals, evaluate liability and damages exposure, and establish proper indemnity and expense reserves. Utilize evaluation documentation tools in accordance with department guidelines. Responsible for prompt and proper disposition of all claims within delegated authority. Negotiate disposition of claims with insureds and claimants or their legal representatives. Recognize and implement alternate means of resolution. Update appropriate parties as needed providing new facts as they become available, and their impact upon the liability analysis and settlement options. Recognize cases based on severity protocols to be referred to next level claim handler or Major Case Unit and refer on a timely basis. Fulfill specific service commitments made to certain accounts as outlined in Special Account Communication (SAC) instructions and inquiries from agents and brokers. EDUCATION/COURSE OF STUDY: College degree or equivalent in business discipline preferred. WORK EXPERIENCE: A minimum of one to two years of auto and homeowner (or GL) claim handling experience and one year bodily injury claim experience is preferred. COMMMUNICATION SKILLS: Strong written and verbal communication skills are essential. COMPUTER SKILLS: Strong keyboarding skills and basic PC familiarity are necessary. Also will be expected to be highly functional with laptop while in the field via wireless / Wi-Fi. OTHER: Ability to work independently in a virtual home office environment. Must be flexible to meet the service needs of our customers and business partners. Strong negotiation skills. Ability to handle multiple tasks simultaneously in a fast-paced environment. Independent decision making ability Auto appraisal skills are also a plus. This position requires either the use of a company car or 6,000+ reimbursement miles. Therefore, any offer of employment will be contingent on having a valid drivers license and upon receipt of an acceptable Motor Vehicle Report. Basic working level knowledge and skill in various business line products. Travelers is an equal opportunity employer and invites culturally diverse applicants to join our team. We actively promote a drug-free workplace.
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8/25/2009 - Framingham, MA - Financial Analyst - Sales Audit
The TJX Companies, Inc.
Job Summary:Performs monthly close functions and reconciliations for all sales related accounts for TJMaxx, Marshalls, AJ Wright and HomeGoods to ensure the integrity of the accounts. Prepares key financial management reports, analyzes trends associated with these accounts, and summarizes key points to management. Prepares the annual plan for all sales related accounts. Reviews the plan monthly and prepares and submits the Rolling Plan for usage and trending changes on each account. Prepares all ad hoc analyses as required for all four chains. Partners with Systems to resolve issues affecting financial records and to develop, test and implement future enhancements and new business requirements as related to specific responsibilities. Documents procedures and systems to ensure efficiency and effectiveness. Recommends changes to improve the financial affect that Sales Audit processes and/or procedures have on related accounts. Trains associates as required.Major Areas of Responsibility:50% of time:Ensures the integrity of sales related accounts, including but not limited to, sales, credit and debit card receivables and expenses, chargeback expense, merchandise credit, gift certificate and stored value card liabilities. Performs monthly close functions, including preparation and review of journal entries and reconciliation of accounts as well as researches material variances for resolution. Communicates with Business Planning and Analysis and Financial Accounting throughout the process to ensure successful close.Prepares and distributes several key financial management reports highlighting key aspects for reference. Analyzes and prepares Executive Summaries to communicate with Business Planning and Analysis and Financial Accounting on all associated accounts for month, quarterly and year end process. Utilizes advanced system skills to access, download and manipulate data and create effective spreadsheets. Communicates and resolves systems issues with the Systems division as related to the financial data.30% of time: Prepares the annual plan for all sales related accounts. Analyzes the accounts on a monthly basis forecasting future months due to trending and industry changes. Communicates changes to Business Planning and Analysis, Financial Accounting and Finance Management.10% of time: Documents existing systems and procedures to ensure efficiency and accuracy. Partners with the Systems division to develop, test and implement new business plans and system enhancements. Works with Systems to resolve issues relating to financial records or accounts.10% of time: Preforms or assists with special projects and analyses as required. Minimum preferred:Excellent analytical and problem-solving skillsExcellent interpersonal and communication skillsExcellent spreadsheet/Excel skillsSolid knowledge of accounting principlesAbility to manage tight deadlines in a fast paced environment2-3 years experience in account reconciliation and analysisBachelor's Degree in Accounting What's In It For You?At the TJX Companies, Inc., conveniently located directly off both the Mass Pike and Route 9, you'll not only enjoy the security of working for a stable and profitable industry leader, but you'll also enjoy the benefits that go along with it, such as: Medical/Dental/Life insurance, a Dependent Care Spending Account, Associate Discounts and a Savings/Profit Sharing 401(k) Plan.Click Here for a full list of the benefits of working for The TJX Companies, Inc.For more information on the Nationwide Community Support efforts of TJX, Click Here.TJX is an equal opportunity employer committed to workplace diversity
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11/2/2009 - Richardson, TX - 2VP, Underwriting - Personal Insurance Sales
Travelers
Committed. Competitive. Constructing our Future. That's Travelers. We are one of the leading insurance companies in the United States. Our superior financial strength and consistent record of strong operating returns mean security for our customers - and opportunities for our employees. You will find Travelers to be full of energy, and a workplace in which you truly can make a difference. SUMMARY This position is responsible for the execution of all underwriting programs and processes within the Direct and Affinity sales groups. The position also has responsibility to develop programs to ensure proper classification and pricing of risks while maintaining and promoting a positive customer experience. This position will work with Home Office business groups, Consumer Marketing, Call Center Management and Corporate Audit/compliance to ensure compliance of state laws, regulations and Travelers Underwriting philosophy. This position will analyze and develop processes based on source of customer inquiry (mail web or mass media) and location (state county). DUTIES In conjunction with Home Office and DIRECT personnel, monitors profitability through continued analysis of financial data and develops appropriate action plans to meet profit and growth objectives. Develop process and programs to manage sales agents underwriting proficiency through various stages of learning curve while maintaining a smooth and seamless underwriting experience for the consumer. Analyze business by source (Internet Mass Media + Direct Mail) and develops underwriting controls to ensure proper classification. Works with Welcome Team to optimize customer experience. Coordinate and implement roll-out of certification/referral program and the quality analysis program to ensure proper underwriting and pricing of individual risks among all Centers and staff. Coordinate all compliance and underwriting guidelines changes, and conduct internal audit to ensure compliance to state regulations and consistency. Communicate and implement all underwriting protocol changes. Home office liaison for audit, underwriting, compliance, pricing meetings, and ad hoc projects. Coordinates the communications of all underwriting, product, and compliance changes for Sales and updates to Live Publish State pages. Work with BC service management to monitor adverse underwriting decision process (cancellations, re-pricing, upgrading) to ensure loss ratio and compliance goals are met, and adequate premium is collected. Work with Home Office and BC Underwriting on managing the Property Inspection Program for Sales. Partner with Service to an effective Licensing State Licensing Process for sales and ensures compliance with all state licensing laws and regulations. Works closely with Home Office and Retail Business Centers to ensure consistency with underwriting philosophy and procedures. Provide direction to the operating areas for audit process and monitor the integration of underwriting knowledge and processes into operations. Continuously monitors underwriting processes for efficiencies and expense savings. Ensure that core activities are effectively monitored through quality assurance with timely feedback provided to operations. Identify technology and process improvements to improve operational efficiencies. Utilize analytics to identify areas of underwriting opportunity aimed at improving loss results and underwriting effectiveness. COMPETENCIES/QUALIFICATIONS: College degree and/or insurance industry study (CPCU) preferred. At least 10 years underwriting supervision experience is required. Sufficient experience to demonstrate comprehensive understanding of insurance company operations, personal lines products, underwriting programs, and industry issues. Field and Home Office experience is a plus. Business and organizational knowledge strong technical expertise in underwriting, products, sales, and distribution. Front line experience with a sales team or sales culture is a plus.
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8/25/2009 - Oshkosh, WI - Investment Financial Consultant
U.S. Bancorp
Investment Financial ConsultantAt U.S. Bank, we pride ourselves on providing the very best comprehensive wealth management solutions to help our customers meet their personal financial goals. But the best products in the marketplace would fall short without dedicated and talented people just like you! We need focused and driven professionals to build trusted relationships, carry the desire to win, and ultimately drive our organizational success. In the critical role of Investment Financial Consultant, you will:Proactively reach out to potential customers and offer customized investment optionsBuild relationships with your clients to understand their financial goals and help ensure that they reach themTrain branch team members on our investment offerings and partner with them to recognize profitable opportunitiesBuild on your current sales skills and financial product knowledge with continued training, coaching, and corporate supportHave access to unparalleled opportunity with the 6th largest banking institution in the U.S.!Your Career is Here.
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9/14/2009 - Phoenix, AZ - Program Finance Analyst I
General Dynamics C4 Systems
Successful candidate will assume entry level program finance analyst responsibilities including performing the following tasks:1) Prepares invoices and tracks receivables2) Reviews labor charges for accuracy and prepares labor adjustments as required3) Monitors actual program costs, compares to plan and explains variances4) Assesses profit accrual rates5) Analyzes risk and funding issues6) Reconciles retained and WIP balances7) Performs month end close activities including use of the Oracle Projects financial system and preparation of monthly journal vouchers8) Prepares monthly internal and external reportingBS/BA in Accounting, Finance, Business Management, Business Operations Management Ability to learn how to perform complex financial cost and profit analysis as part of a product program team.Experience with Microsoft EXCEL, WORD and PowerpointAbillity to learn advanced computer applications such as Oracle ProjectsWorking knowledge of GAAPKnowledge of CAS/FAR helpfulKnowledge of job order costing helpfulBasic analytical and interpersonal skillsTeam player with a "can do"
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