Commercial Client Specialist III

About the role

The Commercial Client Specialist III provides support to the company’s bankers by servicing, maintaining, and updating loan documentation and loan files. This position requires substantial interaction with new and current bank customers, both internal and external, and demands excellent customer service skills along with proactive communication abilities. The role often functions as a subject-matter expert (SME) across multiple loan assistants and serves as a go-to person for complex questions, challenges, or processes, typically acting as a peer leader to less experienced loan assistants.

Responsibilities

• Manage high volume and/or complex loans efficiently and consistently.
• Coordinate the preparation, review, and execution of loan documentation to ensure compliance with requirements; organize workflow for loan renewals.
• Follow up with clients, insurance agents, title companies, or attorneys for missing loan documentation as necessary.
• Resolve exceptions or documentation deficiencies and actively manage outstanding exception items for compliance with Credit Policy; ensure proper reporting and compliance for the bank.
• Work closely with assigned bankers to collect financial data and manage client communication (phone/email) to strengthen client relationships.
• Handle client-related services such as wires, NSF accounts, and overdrafts; interpret complex financial statements and translate details to appropriate business partners.
• Monitor reports (e.g., past due, paid-off loans, criticized assets, maturing loan lists) to proactively inform bankers of potential issues and minimize administrative problems like client past dues.
• Coordinate with Portfolio Manager and CCFG to facilitate funding of construction loan disbursements in accordance with bank policy.
• Promote an outstanding customer experience through prompt follow-up, proactive communication, and professional etiquette to maximize client relationships.
• Partner with ancillary departments such as Loan Admin, CIS, Loan Review, Special Assets, Bank Card, and Consumer Special Services.
• In certain markets, provide retail support for commercial customers, including opening new accounts and performing account maintenance.
• Perform other duties and responsibilities as assigned.

Requirements

• High School Diploma or GED required.
• 4+ years of commercial loan experience.

Skills

• Ability to read, write, analyze, and comprehend simple instructions, routine business correspondence, financial reports, and legal documents.
• Ability to interpret documents such as procedure manuals, business correspondence, journals, or government regulations.
• Strong diplomatic skills to manage problematic situations.
• Thorough understanding of loan documentation, credit policy, and banking regulations.
• Thorough understanding of financial statements and their interpretation, with the ability to translate details to business partners.
• Thorough understanding of HMDA, CRA Community Development, and CRA Small Business Revenue.
• In certain markets, thorough understanding and communication ability of the bank’s retail services and processes.
• Proficiency in MS Office programs.
• Thorough understanding of the bank’s operating systems, including Lending Cycle, Argo, and Synergy, or prior experience with similar systems.
• Self-starter with the ability to work independently.
• Proactive judgment, multitasking, and punctuality in performing tasks.
• Strong communication, customer service, time management, critical thinking, and organizational skills.

Other Qualifications

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities, which may change at any time with or without notice.