Commercial Banking Representative I

About the role

The Commercial Banking Representative I functions as a primary contact for commercial banking clients with basic loan portfolios and assists Commercial Relationship Managers with servicing those clients. Essential duties include handling client calls, transactions, and problem resolution; preparing and reviewing client account documents; assisting with loan applications; and supporting relationship managers with various tasks.

Responsibilities

• Handles day-to-day client calls, client transactions, and client problem resolution.
• Responds to client account inquiries, performs account maintenance, and resolves client problems.
• Executes client transactions within delegated authority or applicable department guidelines, escalating to the assigned Relationship Manager (RM) any requests outside specified norms or items requiring RM signature or approval.
• Prepares and/or reviews client account documents for meetings between the RM and the client, focusing on completion of signatures, accuracy, and fulfillment of standard regulatory and compliance guidelines.
• Aids in obtaining necessary information to submit loan applications, such as financial statements, tax returns, and business documentation.
• Specializes in loan documentation and ensures accuracy in loan documents and legal loan files.
• Sets up and maintains loan documentation in Director/Unity Client, ensuring appropriate GLs are credited for fees collected.
• Creates ticklers in Credit Track in accordance with the loan agreement & guaranty requirements and assists Relationship Manager with obtaining required information to clear ticklers.
• Supports commercial relationship managers and group managers with review and certification of legal entity validation, real estate collateral documentation, UCC and titled collateral validation, treasury and deposit products, and payment and wealth products.
• Generates or obtains daily, weekly, monthly, and quarterly reports as assigned, reviewing reports for accuracy and compliance and updating systems or making other corrections.
• Maintains positive working relationships with peers and other business unit team members.

Requirements

• Basic understanding of credit products, bank systems, and commercial lending.
• Exhibits a general understanding of applicable federal regulations, credit policy, and bank policies and procedures.
• Strong organizational skills, time management skills, and strong attention to detail.
• Strong interpersonal skills including oral and written communication.
• Problem-solving skills.
• Proficiency with personal computers and related software packages.

Qualifications

• High School Diploma or General Education Degree (GED) required.
• 1-3 years banking experience and/or equivalent combination of education and experience required.