Commercial Banking Associate (CBA)

Primary Responsibilities And Accountabilities

• Model and advance the bank’s Mission and Core Values through your words, behavior, and attitude.
• Facilitate onboarding of new commercial relationships by coordinating account, treasury, and loan details so required documentation is complete at inception.
• Provide guidance to officers and clients on account opening and loan documentation items.
• Deposit Services:
  • Open, document, and maintain business and retail deposit accounts.
  • Set up and maintain support products (sweeps, overdraft protection, debit cards, order checks, deposit stamps, etc.) as assigned.
  • Complete manual wires and internal transfers.
  • Process deposits for checks received in AH to client accounts and related loan fees; communicate receipt of funds internally as appropriate.
  • Monitor daily client activity reports (overdrafts, chargebacks) and engage Deposit Ops for disputes/research as needed.
• Treasury Management Support:
  • Identify TM cross-sell opportunities for existing clients and engage the TM Officer for follow-up and documentation.
  • Unlock/reset passwords and update Mobile Deposit limits; refer clients to the TM Officer for troubleshooting when required.
  • Absorb responsibility for annual TM certifications and participation in treasury presentations/demos as requested.
• Credit Administration/Support:
  • Contact clients to maintain current credit files (financial statements, borrowing base certificates, insurance, exceptions, covenant items, etc.).
  • Track progress on financials, loan exceptions, and post-close items; update financial ticklers upon receipt of acceptable items.
  • Monitor ShareFile submissions and distribute items to the appropriate individuals.
  • Coordinate upload of financials for new client relationships and support Reg B compliance as assigned.
• Loan Documentation Support:
  • Communicate borrower CIP documentation needs and assist with due diligence/profile setup in the required system per policy.
  • Care for UCC/lien searches, title/flood/geocoding, and other ordered items with the appropriate teams; support resolution of open items.
  • Absorb responsibility for assisting with preparation and submission of loan documentation packages for processing and funding as assigned.
  • Care for loan closing support and notarizations when required.
• Client Relationship Management:
  • Communicate with prospects/clients as an extension of the banking officer; support relationship-building through visits as needed.
  • Create and maintain prospect/client electronic files and keep CRM/spreading data current across pipelines.
• Event Coordination:
  • Coordinate onsite/offsite events for your division/facility as needed to support client experience and team alignment.
• Cross-Training/Back-Up Support:
  • Cross-train team members and provide back-up support as needed.
• Compliance and Procedures:
  • Utilize published forms and procedures; flag discrepancies/updates to the appropriate owner.
  • Remain in compliance with applicable banking regulations and internal policies.

Secondary Responsibilities And Accountabilities

• Seek opportunities to strengthen the bank’s relationships with the community.
• Other duties as assigned or directed by management.

Requirements

• Educational Background: Bachelor’s degree from an accredited institution (specialized training in lending, loan documentation, and compliance is a plus).
• Experience: Minimum of 5 years of relevant experience, preferably in commercial banking or financial services.
• Skills and Abilities: Strong client service focus and professional, courteous demeanor; Ability to manage and nurture client relationships; Strong communication skills for negotiating moderately complex deals and maintaining relationships; Proficiency with relevant computer systems and tools; Strong attention to detail and accuracy; Strong math/financial acumen and ability to analyze financial data; High ethical standards, tact, diplomacy, and confidentiality.

Performance Measures

• Quality and accuracy of work performed
• Reliability, thoroughness, and timeliness of services are provided
• Adherence to bank policy and Federal and State Regulatory requirements
• Participation in training and appropriate professional developments
• Punctuality and consistent attendance
• Professionalism and adherence to ACBT workplace decorum
• Mets or exceeds annual performance goals aligned with the strategic plan

Work Environment

• Onsite
• Office-based
• Requires prolonged mental and visual concentration and the ability to manage periodic stressful situations due to competing priorities.
• Standard business hours apply; occasional evening/weekend work may be necessary to meet client needs.
• Occasional travel between sites for meetings and events may be required.

Benefits

• 401k
• Medical
• Vision
• Dental
• Disability
• Life