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 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 complexity of loans consistently and regularly in an efficient manner.
• Coordinate the preparation of required loan documentation; review documentation for compliance with requirements; coordinate the execution of loan documents; organize workflow for loan renewal.
• Follow up with clients, insurance agents, Title Company, and/or attorney 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 the assigned banker to assist in collecting financial data and client communication (phone/email) to better manage the overall client relationship. Handle other client-related services such as wires, NSF accounts, and overdrafts.
• Interpret complex financial statements and translate details to the appropriate business partner.
• Monitor reports such as past due, paid-off loans, criticized assets, and maturing loan lists to proactively inform bankers of potential or pending issues and provide support to minimize administrative issues like client past dues.
• Coordinate with Portfolio Manager and CCFG to facilitate funding of construction loan disbursements in accordance with bank policy when needed.
• Promote an outstanding customer experience by exemplifying prompt follow-up, proactive communication, proper etiquette, and professional customer service qualities to maximize client relationships.
• Maintain solid partnerships with all ancillary departments within the bank, including Loan Admin, CIS, Loan Review, Special Assets, Bank Card, and Consumer Special Services.
• In certain markets, provide retail support for commercial customers, such as opening new accounts and performing account maintenance.
• Perform other duties and responsibilities as assigned.

Requirements

• Ability to read, write, analyze, and comprehend simple instructions, routine business correspondence, financial reports, and/or legal documents.
• Ability to read and interpret documents such as procedure manuals, general business correspondence, journals, or government regulations.
• Ability to manage problematic situations in a diplomatic manner.
• Thorough understanding of loan documentation, credit policy, and banking regulation.
• Thorough understanding of financial statements and their interpretations, with the ability to translate essential details to the appropriate business partner.
• 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.

Qualifications

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

Skills

• Proficiency in MS Office programs.
• Thorough understanding of the bank’s operating systems, including Lending Cycle, Argo, and Synergy, or relative prior experience with similar systems.
• Self-starter with the ability to work independently.
• Proactive judgment, multitasking, punctuality, and timeliness in performing tasks.
• Strong communication, customer service, time management, critical thinking, and organizational skills.

Other Qualifications

• Demonstrates the ability to train others in communication, customer service, time management, critical thinking, and organizational practices.