Client Relationship Officer

About the role

This position is 100% in office. The employee will work full time in an office in a designated WesBanco location. Consideration for location will be Bowie, MD.

Responsibilities

• Supports the line of business by providing exceptional service and operational support to associates and clients.
• Manages client requests, facilitates account operations, and ensures accuracy and completion of documentation and transactions.
• Acts as a liaison between clients, associates, and internal partners, delivering a seamless client experience and supporting growth initiatives.
• Emphasizes relationship management and servicing the needs of teams and their portfolio of clients.
• Willingness to provide a level of service which differentiates the bank from competitors.
• Professional demeanor in appearance, interpersonal relations, work ethic, and attitude.
• Possesses clear, concise, effective written and oral communication skills.
• Prepares and coordinates annual relationship review.
• Meets clients with Commercial Bankers, as applicable.
• Affords assistance in opening new accounts and ensuring complete, accurate documentation is obtained from clients.
• Inputs information into lending system in conjunction with and on behalf of the Commercial Banker.
• Facilitates deal submissions of all credit requests into commercial processing software; utilizing checklists to confirm all information is collected and due diligence is complete.
• Engages, coordinates, and reviews third party reports (appraisal, environmental, inspection, borrowing base certificates, etc.).
• Captures and reviews entities due diligence, Know Your Customer (KYC), and beneficial ownership information to satisfy compliance requirements.
• Images and indexes all deposit and client documentation to ensure proper recordkeeping.
• Maintains direct client contact information such as but not limited to email addresses and phone numbers in order to collect financial and other information, and manage portfolio.
• Analyzes Commercial Construction Draw Packages Submitted By Commercial Lending Production Areas For Completion And Accuracy And Recommend Approval Or Denial Of Requested Draw Amount.
• Specifically Receives, reviews and balances commercial construction draw documentation (budgets, inspection reports, title updates and lien wavers, etc).
• Reviews all documentation and disbursements to ensure all funds have been disbursed properly.
• Orders project inspections and title updates and reviews both for compliance.
• Interfaces with customer on issues as they arise.
• Responds to client inquiries regarding bank products, services, account details, and policies; conducts account research, files and processes fraud claims.
• Identifies cross-selling opportunities, recommending additional bank products and services that align with clients’ operational needs.
• Demonstrates comprehensive knowledge of banking systems, internal processes, tools and resources available to associates, and controls designed to protect the bank and our clients.
• Researches and resolves exceptions in required documentation; loan, collateral and deposit exceptions, assist with past dues.
• Provides loan support to relationship teams, collection of payments and fees, processing advances on lines of credit, and funding of loan proceeds.
• Demonstrates knowledge of the loan documentation process, including the ability to identify and differentiate internal loan documents, as well as an understanding of attorney-prepared documentation.
• Aids the Commercial Banker in supporting the commercial loan closing process including communicating with Commercial Closing Officer, and coordinating activities of outside service providers including attorneys, accountants, insurance providers and government agencies.
• Collaborates with Loan Operations, Treasury Management and Deposit Operations to ensure ongoing, satisfactory monitoring of lending, depository and Treasury Management services for clients.
• Performs other duties and responsibilities as assigned.

Qualifications

• High school diploma or General Education Degree (GED) required.
• Bachelor’s Degree in Business Administration preferred.

Skills

• Strong Analytical Abilities
• Credit Underwriting Skills
• Ability to work with others in a team environment
• Ability to read, analyze and interpret financial reports and legal documents
• Ability to write reports, business correspondence, and procedure manuals
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public
• Ability to work with mathematical concepts such as probability and statistical inference
• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form
• Ability to deal with problems involving several concrete variables in standardized situations
• Demonstrated proficiency in basic computer applications such as Microsoft Office
• Ability to learn Banking Software program

Benefits

• Wage range: $60,000 - $70,000 annually
• 22 days of PTO (Paid Time Off)
• 5 days of STD (Short Term Disability)
• 12 annual paid holidays
• Excellent benefits package including medical, dental, and vision, Health Care Flexible Spending, Dependent Care Flexible Spending, Transportation Fringe Benefit Plan, Group Life, Long Term Disability, Optional Life, access to voluntary benefit products such as Cancer, Term & Universal Life, Accident, Short-Term Disability and Critical Illness policies, and other ancillary benefit products
• WesBanco 401(k) with employee match