Quaint Oak Bank

Role Description Quaint Oak Bank is a growing community bank seeking an experienced Commercial Relationship Manager (CRM) to originate, structure, and manage C&I lending relationships within the Greater Philadelphia region. This role is responsible for driving new business development, maintaining portfolio quality, and serving as the primary relationship owner for assigned clients. The CRM will focus on building long-term, full-relationship engagements while working collaboratively with internal credit, loan operations, and support teams. Typical loan sizes range up to $5MM. The role emphasizes exclusive primary banking relationships, including operating deposits maintained as compensating balances that support long-term credit relationships. - Originate $15–20MM in annual C&I loan production through networking, referrals, and targeted calling - Build and manage full-relationship commercial banking engagements, including loans, deposits, and treasury services - Serve as primary point of contact and relationship owner for assigned clients - Structure credit requests in partnership with credit analysts and ensure alignment with Bank policy - Analyze financial statements, cash flow, and industry trends to support underwriting and ongoing portfolio monitoring - Maintain portfolio credit quality, identify emerging risks, and support resolution strategies as needed - Ensure compliance with lending policies, regulatory requirements, and documentation standards - Collaborate effectively with credit, loan operations, and internal support teams' management Qualifications - Strong analytical and credit judgment skills with a solid understanding of commercial underwriting concepts - Ability to interpret financial statements and cash flow to support credit decisions - Excellent written and verbal communication skills, and the ability to build credibility internally and externally - Demonstrated relationship-building and business development capability - Proficiency with Microsoft Excel and Word - SBA lending experience preferred - Bilingual skills preferred Requirements - Compensation: $120,000-$135,000/year base salary, plus commission. Offer is commensurate with experience Company Description Quaint Oak Bank and/or its subsidiaries is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, creed, religion, ancestry, citizenship status, age, sex, sexual orientation, gender identity, marital status, national origin, disability, or veteran status. Quaint Oak Bank and/or its subsidiaries are committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment. To request a reasonable accommodation, contact Rachel Schmahl at 610.798.6111 or rschmahl@quaintoak.com.

Role Description Quaint Oak Bank is a growing community bank seeking an experienced Manager of Special Assets and Collections to establish and lead the Bank’s commercial loan workout, special assets, SBA, and OREO functions. This role is responsible for managing the resolution of distressed and criticized commercial assets while building and overseeing a dedicated special assets program. The Manager will lead workout and resolution strategies across a diverse commercial credit portfolio, including: - C&I - Commercial real estate - Construction - SBA 7(a) and 504 loans - Specialty low‑LTV real estate lending - OREO The role works closely with Credit, Portfolio Management, Lending, Legal, Finance, Loan Servicing, and senior management to maximize recovery, preserve income when appropriate, and ensure regulatory and SBA compliance. Key Responsibilities - Lead the workout and resolution of underperforming and distressed commercial loans across multiple asset classes. - Analyze borrower financial performance, global cash flow, guarantor strength, and collateral to determine appropriate strategies. - Structure and negotiate loan modifications, extensions, restructures, forbearance agreements, and exit strategies. - Recommend workout, liquidation, or charge‑off decisions and ensure accurate risk ratings and non‑accrual treatment. - Manage SBA 7(a) and 504 loan defaults, workouts, and liquidations in compliance with SBA SOPs to preserve guaranties. - Coordinate with SBA, legal counsel, loan service providers, and third‑party servicers on modifications, litigation, guaranty purchases, and offers in compromise. - Provide workout and restructuring support for specialty low‑LTV real estate‑backed credits, balancing yield preservation and recovery. - Oversee the Bank’s OREO portfolio from acquisition through disposition, including valuation, expense control, and sale strategy. - Coordinate with brokers, appraisers, property managers, and environmental and legal professionals to manage OREO assets. - Build, mentor, and manage the Loan Workout / Special Assets / OREO team. - Develop and maintain policies, procedures, templates, and tracking tools for special assets and OREO. - Provide early‑warning credit guidance and pre‑default intervention strategies to lending and credit teams. - Prepare regular reporting for management, committees, auditors, and regulators on asset quality, recovery projections, and portfolio risk. - Partner with Finance on CECL/ACL considerations, collateral‑based impairments, and accounting treatment of restructured loans and OREO. Qualifications - Bachelor’s degree in Finance, Accounting, Business, or related field. - Experience presenting special asset, OREO, and workout strategies to management. - Prior regulatory or examination experience related to special assets, OREO, or SBA portfolios. - Strong credit judgment and risk awareness. - Strategic yet execution‑focused approach. - Clear, professional communicator. - High standards for documentation and compliance. - Collaborative and credible leader. Salary $90,000 - $105,000/year; offer is commensurate with experience. Equal Opportunity Statement Quaint Oak Bank and/or its subsidiaries is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, creed, religion, ancestry, citizenship status, age, sex, sexual orientation, gender identity, marital status, national origin, disability or veteran status. Quaint Oak Bank and/or its subsidiaries is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment. To request a reasonable accommodation, contact Rachel Schmahl at 610.798.6111 or rschmahl@quaintoak.com.