Benjamin Howes Email & Phone Number

Detroit, Mi, Us

Dearborn, Mi, Us

Greater Detroit Area

Promote the Bank’s Community Development involvement in each of its Metro-Statistical Areas (MSAs) through community, industry/colleague and external resource partnershipsReview Community Development activities to ensure they meet at least one of the definitions of Community DevelopmentEstablish best practices and investigate opportunities to fulfill lending, investment and service goals to meet the needs of low to moderate-income households; work with bank management to ensure all products, services and activities are compliant, profitable and marketablePerform annual CRA and Fair Lending assessments; monitor and analyze KRIs used to measure the bank’s CRA and Fair Lending performance against its CRA Strategic PlanPrepare, analyze and monitor the Bank’s statistics to evaluate loan penetration of low- and moderate-income households and small businessesResponsible for the collection of all CRA and HMDA loan data; CRA-qualified community support donations and employee service hoursCreate, oversee and update policies, procedures and monitoring for CRA, HMDA and other Fair Lending laws; conduct regular employee and Board training on same lawsServe as the Bank’s liaison with external CRA and Fair Lending compliance auditors and regulators

Greater Detroit Area

 Manage 50+ client relationships (400+ active accounts) with a total market value of over$17.5 billion. Work closely with assigned internal customers (Relationship Manager, Account Analyst, Team Leader, Asset Maintenance, Corporate Actions, Income/Mutual Fund Unit, and Fund Accounting) to ensure accounts are properly administered in accordance with all policies and procedures Manage relationships with external customers (Client/Board of Trustees, Plan Administrators, Third-party Administrators, Consultants, and Investment Advisors, Record Keepers, Auditors and Attorneys) to perform rebalancing, closing/opening accounts, rebalancing portfolios (partial/full asset transfer), pension setup/maintenance/audit, reporting for the ERISA form 5500 Manage the SMA “Superior Managed Account” product including Lifestyle Blend Funds to ensure compliance with predetermined guidelines set by the SMA Investment Committee and the Investment policy  Initiate, review, and approve quarterly custody fee invoices for each individual relationship, and collected in a timely manner to assist in meeting departmental revenue objectives Communicate client issues/specialized reporting requirements to Team Leader and assigned Account Analysts to ensure client needs are met Understand and adhere to all department policies/procedures and regulatory issues and requirements to minimize Bank and client risks

Greater Detroit Area

•Ability to handle multiple projects and prioritize work according to schedule.•Ensures high quality customer service by researching and responding to customer's issues.•Contacts appropriate management to resolve problems and keeps management informed of status or issues.•Monitor incoming directives and accurately process requested transactions within established deadlines.•Communicates with clients, investment managers and internal departments and/or other outside vedors to ensure that all account activity is posted in a timely and accurate manner.•Monitor account balances/activity and initiate actions to ensure accounts are in full compliance with established guidelines. Research, resolve and document all excess/overdraft cash situations.•Develop and maintain client specific procedures, documenting unique account processing requirements.•Complete all assigned annual trust reviews; provide required documentation for annual relationship reviews to assign Relationship Manager.•Maintain relationship profiles.•Manage client relationships which have been assigned by maintaining account profiles, developing and maintaining client specific procedures, and documenting unique account processing requirements.•Monitor account balances/activity and initiate actions such as fund and trade orders, contributions and disbursements and required reporting to ensure accounts are in full compliance with established standards to reduce financial and reputational risk to client and bank.•Research, resolve and document all exception situations requesting guidance when necessary to increase knowledge. Discuss repetitive exception situations with the Team Leader and Relationship Manager.•Communicate with clients, and third party providers such as consultants, auditors, actuaries, investment managers and various internal departments to ensure that all account activity is posted in a timely and accurate manner.