Wholesale Relationship Specialist IV (Reston, Leesburg, or Rockville)

Responsibilities

• Manages and responds to daily incoming client requests and inquiries in a timely and professional manner.
• Performs necessary research and maintenance to provide or facilitate solutions, and if applicable, logs and resolves customer complaints and dissatisfactions in accordance with Bank policies and procedures.
• Works proactively to identify potential problems and/or compliance concerns to maximize customer satisfaction and encourage relationship expansion.
• Executes and adheres to all federal and state regulations governing bank operations including BSA/AML requirements, as well as the Bank’s loan and deposit origination, documentation, and administration policies and procedures.
• Maintains a strong working knowledge of the Bank’s Treasury Management products and services as they relate to receivables, payables, fraud prevention, and liquidity to be a subject matter expert for other Relationship Specialists.
• Monitors daily non-sufficient funds and unposted transaction reports, obtains necessary approvals and processes decisions, and communicates with clients and Bank personnel to facilitate timely and accurate postings.
• Processes payments and advances on loan accounts and transfers and stop payments on deposit accounts.
• Gathers, images, and files financial statements and documents as needed.
• Orders and/or requests pre-closing due diligence items including, but not limited to lien searches, flood certifications, business valuations, appraisals, and environmental reports.
• Ensures accurate completion of all required flood documentation.
• Completes detailed due diligence in accordance with associated regulatory requirements and bank policies and procedures to ensure quality account documentation and prevent exceptions.
• Collaborates with Centralized Doc Prep to request internally prepared loan documents and ensures loan documents are reviewed for accuracy and completeness prior to closing, funding, and boarding of loans.
• Handles internal loan closings and coordinates external loan closings, to include engaging and working with Bank counsel, closing attorneys, and title companies, as applicable, throughout the loan document preparation and closing process.
• Funds and boards loans, to include reviewing requests for accuracy and preparing physical loan packages for imaging and record retention shipment.
• Prepares tickets, online transaction entries (OTEs), and wire transfers as needed.
• Manages and/or assists in the management of construction and/or development loans with oversight from the Construction Loan Specialists Group and Wholesale Banking Relationship Managers to update and maintain construction funding budgets, order inspections and title updates, and process draw requests.
• If in Commercial Real Estate, assists in the management of Builder Lines of Credit, including but not limited to managing inventory and tracking allowable exposure based on the credit approval documents, which requires granular oversight.
• Maintains a strong working knowledge of specialized loans, including but not limited to modified builder lines, low income housing tax credit loans (LIHTC), asset-based loans, SWAPs, participations, syndications, loans to government contractors, and loans to government entities to serve as a subject matter expert to others.
• Assists with reporting and clearing exceptions associated with loan and deposit accounts.
• Prepares loan account pay off quotes and coordinates collateral releases as applicable.
• Assists with the preparation of client presentation materials.
• Assists with maintaining data integrity for the CRM and other critical bank systems by facilitating accurate source system account assignments.
• Serves as subject matter expert to assist other Relationship Specialists with reviewing loan documentation prior to closing.
• Affords opportunities to begin assisting with financial statement interpretation, industry trend identification, risk rating analysis, as well as the introduction to entry level commercial underwriting concepts.
• Promotes an environment that supports diversity, equity, inclusion, and belonging and reflects the Atlantic Union Bank brand and culture.
• Performs other duties as assigned.

Qualifications

• High school diploma or equivalent, college degree preferred.
• Seven plus years of wholesale or consumer banking or industry related experience required.
• Three plus years of commercial loan and deposit experience required.