Client Relationship Officer - Commercial Admin Total Bank

About the role

The position is 100% in-office, located at a designated WesBanco location in Wexford, PA.

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 high level of service differentiating the bank from competitors.
• Professional demeanor in appearance, interpersonal relations, work ethic, and attitude.
• Possesses clear, concise, effective written and oral communication skills to collaborate and solve problems with management, bank employees, and bank customers.

Essential Duties and Responsibilities

• Understands the various types of commercial loan products and services offered by the Bank.
• Aids in preparing Line of Credit annual renewals.
• Coordinates and reviews annual relationship reviews.
• Makes client visits with Commercial Bankers, as applicable.
• Aids in opening new accounts and ensuring complete, accurate documentation is obtained from clients.
• Inputs information into lending system on behalf of the Commercial Banker.
• Facilitates submission of all credit requests into commercial processing software; using checklists to confirm all information is collected and due diligence is complete.
• Engages, coordinates, and reviews third-party reports (appraisals, environmental assessments, inspections, borrowing base certificates, etc.).
• Collects and reviews entity due diligence, Know Your Customer (KYC), and beneficial ownership information to meet compliance requirements.
• Images and indexes all deposit and client documentation to ensure proper recordkeeping.
• Maintains direct client contact information such as email addresses and phone numbers to collect financial and other information and manage portfolios.
• Analyzes Commercial Construction Draw Packages Submitted By Commercial Lending Production Areas For Completion And Accuracy And Recommend Approval Or Denial Of Requested Draw Amount.
• Receives, reviews, and balances commercial construction draw documentation (budgets, inspection reports, title updates, and lien waivers, 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 customers 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 its clients.
• Resolves exceptions in required documentation; loan, collateral, and deposit exceptions, assists 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.
• Assists 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 as assigned.

Other Requirements

• Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules, and regulations that are applicable to your conduct and the work you will be performing.
• You will also be expected to complete all assigned compliance training in a timely manner.
• Strong analytical abilities, credit underwriting skills.
• Ability to work with others in a team environment and under occasional time constraints is a necessity.
• Ability to read, analyze, and interpret financial reports and legal documents; perform simple to complex calculations; effectively research, analyze, and evaluate information to make decisions, solve problems, and achieve goals.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to effectively present information and respond to questions from groups of managers, clients, and customers.
• Ability to work 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 and ability to learn various applications.
• Ability to learn various Banking Software programs.

Qualifications

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