Commercial Banking Associate (CBA)

American Community Bank & Trust•Crystal Lake, IL

3d•$70,000 - $95,000•Onsite

About The Position

American Community Bank & Trust (ACBT) is seeking a Commercial Banking Associate to support the Division Head and commercial banking officers in the McHenry County Commercial Division. The role helps establish, nurture, and maximize relationships with current and prospective clients to drive profitable growth in loans, deposits, and fees. It also coordinates onsite and offsite divisional events and works with colleagues to provide a strong client experience and effective coordination across the bank’s CBA team. The associate supports commercial relationship onboarding, deposit services, treasury management, credit administration, loan documentation, and client relationship management. The role also coordinates events, cross-trains and backs up team members, and follows banking regulations and internal policies. This is a full-time, onsite, exempt position.

Requirements

Bachelor’s degree from an accredited institution.
At least 5 years of relevant experience.
Strong client service focus and a professional, courteous demeanor.
Ability to manage and nurture client relationships.
Strong communication skills for negotiating moderately complex deals and maintaining relationships.
Proficiency with relevant computer systems and tools.
Strong attention to detail and accuracy.
Strong math and financial acumen, including the ability to analyze financial data.
High ethical standards, tact, diplomacy, and confidentiality.

Nice To Haves

Specialized training in lending, loan documentation, and compliance.
Relevant experience in commercial banking or financial services.

Responsibilities

Model and advance the bank’s mission and core values through words, behavior, and attitude.
Coordinate onboarding of new commercial relationships, including account, treasury, and loan details, to ensure required documentation is complete; guide officers and clients on account-opening and loan-documentation items.
Open, document, and maintain business and retail deposit accounts.
Set up and maintain support products such as sweeps, overdraft protection, debit cards, checks, and deposit stamps.
Complete manual wires and internal transfers.
Process checks received in AH for client accounts and related loan fees, and communicate receipt of funds internally as appropriate.
Monitor daily client activity reports, including overdrafts and chargebacks, and engage Deposit Operations for disputes or research as needed.
Identify treasury management cross-sell opportunities and engage the Treasury Management Officer for follow-up and documentation.
Unlock or reset passwords and update Mobile Deposit limits; refer clients to the Treasury Management Officer for troubleshooting when needed.
Assist with annual treasury management certifications and participate in presentations or demonstrations as requested.
Contact clients to maintain current credit files, including financial statements, borrowing base certificates, insurance, exceptions, and covenant items.
Track financials, loan exceptions, and post-close items; update financial ticklers when acceptable items are received.
Monitor ShareFile submissions and distribute items to appropriate individuals.
Coordinate financial uploads for new client relationships and support Reg B compliance as assigned.
Communicate borrower CIP documentation needs and assist with due diligence and profile setup in the required system according to policy.
Coordinate UCC and lien searches, title, flood, geocoding, and other ordered items with the appropriate teams; support resolution of open items.
Assist with preparation and submission of loan documentation packages for processing and funding as assigned.
Coordinate loan-closing support and notarizations when required.
Communicate with prospects and clients as an extension of the banking officer and support relationship-building through visits as needed.
Prepare relationship packets and client relationship reviews as required.
Create and maintain electronic prospect and client files and keep CRM and spreading data current across pipelines.
Coordinate onsite and offsite events for the division or facility as needed to support client experience and team alignment.
Cross-train team members and provide backup support as needed.
Use published forms and procedures and flag discrepancies or needed updates to the appropriate owner.
Comply with applicable banking regulations and internal policies.
Seek opportunities to strengthen the bank’s community relationships.
Perform other duties as assigned or directed by management.
Meet performance expectations for work quality and accuracy, reliability and timeliness, compliance, training and professional development, punctuality and attendance, professionalism, and annual goals aligned with the strategic plan.