Assistant Banking Officer II

Republic Bank•Tampa, FL

About The Position

The Assistant Banking Officer II is responsible for working with one or more Senior Lenders (Managing Directors, Business Development Officers, Business Development Managers) and their client base to facilitate their loan and servicing requests. This position is also responsible for the handling of the entire process of any loan application through to the closing while following all policy and procedures in a manner that is consistent with the company’s financial objective.

Requirements

Minimum 2 years sales and customer service skills required.
Minimum 3 years banking experience in processing retail and commercial loans required.
Proficiency in Microsoft Office products and internet applications required.
Ability to read and understand both personal and business tax returns required.
NMLS registration may be required

Responsibilities

Contact and meet with clients to collect the necessary information to process their loan request. Will involve taking complete and accurate loan applications, retrieving information on file from Docuview, and assessing any additional information needed and collecting it.
Review with clients any necessary documents and disclosures at time of loan application, adhering to any Republic compliance standards.
Assist the Senior Lenders to facilitate all sales efforts and get the sale of all bank products, helping to follow up on account activation ensuring accounts are active and booked correctly on the system. Making sure clients are using Republic Bank as their primary checking according to the Promotional Closing Cost Agreement.
Accurately submit and process all commercial, retail, and consumer loan requests in conjunction with our centralized processing/underwriting areas, maintaining contact and clear communication with processing/underwriting, the closing attorney as needed, our client and the Senior Lender who initiated the loan.
Utilize your knowledge of how to read personal and business tax returns to calculate personal income and debt to income ratios
Calculate Loan to Value Ratios and Combined Loan to Value rations accurately.
Schedule and coordinate all loan closings (commercial, retail, and consumer) with clients, and when applicable with buyers, realtors and closing attorneys and attend or close loans as necessary, explaining to our clients all retail and consumer loan documents and commercial laser pro loan documents.
Review all upfront disclosures, processes and closing disclosures with client, following compliance with TRID guidelines.
Ability to accurately quote rates, closing costs and calculate escrows by having a thorough understanding of Republic’s commercial, retail and consumer loan and deposit products and matrix guidelines
Handle client inquiries; help with problem solving, research, transfers, processing payments and customer service. Ensure first and second payments are being set up properly via ACH or billing to avoid 1st and 2nd payment defaults.
Complete necessary servicing tasks (file maintenance, BOB maintenance, payoff requests etc.).
Independently work and renew all upcoming maturing loans, getting them renewed prior to maturity. This includes having direct customer contact, explaining their loan is maturing, identifying, and collecting the necessary financials to renew the loan, and submitting the loan into the commercial loan system all while looking for additional opportunities to cross sell and clearly communicating to the client and senior lender only getting them involved as needed.
Look for innovative ways to streamline the flow of work and better assist clients.
Ability to handle client concerns and work with other departments to solve internal issues and independently come up with satisfactory resolutions without having to get the Senior Lender or Senior Management involved.
Prepare and submit Override Requests when needed to include all related compensating factors.
Prepare and submit Fee Waivers according to Senior Lender and Management requests.
Prepare Summary of Terms and Commitment Letters for Senior Lenders.
Assist in training all new Assistant Banking Officers to the bank, while continuing to help develop existing ABO’s skill set.
Be an expert in all bank systems, including but not limited to the commercial, retail and consumer Loan Operating Systems and Sales Force.
Maintain a working knowledge of compliance requirements affecting your position and area of responsibilities and actively learn new regulations and assist in the implementation, if required.
Model and foster behaviors that support the Bank’s values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
Willingly perform all other duties and projects as assigned.