Commercial Banking Representative III

Essential Duties And Responsibilities

• Handles day-to-day client calls, client transactions, and client problem resolution.
• Responds to client account inquiries, performs account maintenance and researches/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 Relationship Manager 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 process loan applications, such as financial statements, tax returns, business documentation, UCC searches, title work, OFAC Environmental Reports, appraisals, and flood determinations.
• Sends complete and accurate requests for documentation in accordance with the loan approval, ensuring all appropriate supporting documents are available in Director/Unity Client, including but not limited to loan approval, Borrower, Guarantor, and Grantor entity documents, collateral reports, and all other information necessary to generate loan documents.
• Generates or obtains daily, weekly, monthly and quarterly reports as assigned. Reviews reports for accuracy and compliance and takes action to update systems or make other corrections.
• Maintains thorough knowledge of all regulatory, legal, and Credit Policy requirements to ensure all applications, documentation and loan accounts are compliant.
• Maintains a thorough knowledge of key software systems and other Loan Operating Systems.
• Actively ensures compliance with the Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies, and procedures.
• Participates in any required corporate and business line training in these areas.
• Understands and follows internal suspicious activity referral requirements and processes, as required for this position.
• Assists management in deployment of new or existing programs/procedures, providing positive leadership through change.

Qualifications

• Advanced understanding of credit products, bank systems and commercial lending.
• Advanced knowledge of applicable federal regulations, credit policy and bank policies and procedures.
• Strong organizational skills, time management skills and strong attention to detail.
• Demonstrated ability to self-start.
• Confirmed history of producing a quality work product.
• Ability to work effectively with individuals and groups across the company to manage client relationships.
• Proficiency with personal computers and related software packages such as Word and Excel.