Job Description

Hilltop Advisors LLC (Hilltop) is hiring professionals that have a financial services and real estate experience, especially in the lending, capital markets/securitization and loan servicing for all loan types.  Many of our engagements involve assessing our client’s policies, processes and technology used to ensure all aspects of compliance.  Our risk engagements (including credit, counterparty, fraud, financial, operational, technology, market value, interest rate/hedge, contract performance risks) use our team’s collective experiences in operations, finance and accounting, risk mitigation, financial and compliance audits, strategy, technology controls, etc.   Our teams are not only focused on mitigating risks but also analyzing the business operations to identify inefficiencies and the related costs, our PerforMetrics© methodology is used to assist our clients with reducing costs and increasing performance. 

Here is a partial list of engagements that we have performed that show the types of skills and experience that we are looking for candidates to have:

·      reviewing credit memorandums and identifying financial/operational/market risks to determine if the borrower, guarantor and collateral risks were considered when approving the loan,

·      performing loan risk ratings to assess whether the loan officer considered the lender’s risks in considering whether to make the loan and then annually update the loan’s risk ratings for changes in the risk levels by loan,

·      conducting loan loss analyses (especially for implementing and maintaining CECL data,

·      calculating losses by loan type that the client will record as part of its ALLL,

• litigation support and Expert testimony services involving all types of litigation,

·      operational efficiency reviews, profitability analysis, cost cutting

·      identifying and conducting fraud, Bank Secrecy Act and Anti-Money Laundering investigations and/or helping our client establish improved preventive, detective and remediation activities,

·       conducting compliance testing (regulatory requirements, company policies and procedures, counterparty risks, contract terms, loan servicing agreements, securitization trust and PSAs, loan diligence requirements, etc.

• performing securitization modeling of the "waterfall" cashflows for client securitization transactions,
• assessing compliance with Securitization Reg AB,

·       performing agreed-upon procedures to assess regulatory compliance (mock regulatory exams),

·       assisting clients with remediation efforts after they have received a Regulatory order (Consent Order, MOU, MRA),

·       testing the Bank’s Compliance Management System,

·       helping write/implement/test new policies, new procedures and new controls,

·       assisting Bank Internal Audit with specialized financial or operational audits,

·       performing M&A diligence, closing date financial review, calculating additional purchase price (“earn-outs”), testing specific seller representations,  

·       cyber security controls and compliance experience,

·       selecting/implementing/testing new technology applications,

• providing training for Bank, SBA or mortgage personnel on regulatory compliance, fraud and BSA topics, accounting/audit topics, etc., and
• providing Federal agency financial statements audits as subcontractor to large CPA firms (prepare, organize and maintain audit workpapers, prepare schedules, review G/L account analyses and testing reconciliations as instructed/required by the audit plan).

Candidates must have one or more of the skills/experiences noted above (preferred candidates will have many of these skills/experience).

Our minimum required experience for Candidate includes the following:

• Bachelor’s degree (accounting, finance, economics, other degrees may be considered depending on previous experience),
• 3 - 15 years of in these areas:
  • lending, loan securitization, loan servicing,
  • loan portfolio management,
  • bank/credit union/mortgage consulting firm experience,
  • independent auditor involved in financial statement audits,
  • any SSAE 16 and SSAE 18 engagement experience,
  • internal auditor experience in the above areas,
  • Federal bank examiner, CFPB examiner, SBA examiner,
  • other related experience,
• Big 4 Financial Services experience is a plus,
• Licensing: CPA or CPA candidate that already has 150 credit hours, CFF, CFE, etc.  
• Strong communications and interpersonal/teamwork skills,
• Analytical skills with an attention to detail,

Our employment opportunities are for full time “regular” and “project based” employee positions. All of our client-facing and internal staff professionals are considered exempt employees.  All employees enjoy 12 paid holidays. Hilltop’s “regular” employees have benefits that include medical, dental, vision, life insurance, AD&D insurance and short-term disability insurance (Hilltop and employee share such costs of these benefits).  Paid time off which includes sick time is provided based on the title of the professional.  Hilltop provides a 401k plan for “regular” employees.  All compensation and benefit policies are subject to change.

Company Description

Successful candidate must be able to commute to our office every day during normal office hours. See our website - www.thehilltopcompanies.com.