Commercial Banking Associate

First Capital Bank•Pinehurst, NC

About The Position

First Capital Bank is committed to supporting the communities we operate in and representing community banking at its best. We are growing rapidly and offer a fun but ambitious atmosphere with extensive opportunities for advancement. As an equal opportunity employer, we consider all applicants without attention to ethnicity, national origin, religion, sex, gender identity, sexual orientation, veteran, or disability status.

Requirements

At least a high school diploma or GED
At least 2 years of experience in the financial services industry

Nice To Haves

General knowledge of financial statement analysis.
In-depth operational knowledge of treasury and merchant services, card services, asset-based lending, international and domestic letters of credit, and securities.
Advanced knowledge of word processing and spreadsheet applications
Demonstrated ability to balance administrative functions with service expectations
Aptitude for effective written and oral communication; organization; and providing excellent customer service

Responsibilities

Support to the bank’s Commercial Lenders by obtaining financial data, drafting letters and agreements, clearing exceptions, and obtaining collateral documentation.
Coordinate with assigned clients’ CPAs, attorneys, and insurance agents to resolve specific exceptions and transactional issues.
Assist in customer relationship management for the most complex accounts by processing transactions, renewing loans, resolving account issues, and providing other administrative support as needed.
Completes essential job functions with minimal supervision, using a variety of banking and lending applications.
Serves as the primary contact for commercial customers, to include resolution of customer service issues.
Review all loan documents to ensure compliance with bank policy and regulatory requirements.
Monitor multiple reports to ensure that problems are escalated to the Commercial Lenders in a timely manner.
Utilize advanced knowledge of banking products and services to identify cross-sell and referral opportunities
Assist in the management of deposit relationships and related services, to include: wires, account set up, NSF management, approvals, signatures, etc.
Monitor overdrafts and refer to Commercial Lenders for resolution
Assist clients with draws, transfers, and loan payments
Monitor past due reports and coordinate with designated individuals to collect on past due principal and interest payments.
Maintain awareness of risk to include observation of all job-specific policies, procedures, regulations, laws, risk limits, and industry best practices.
Report known or suspected violations to the appropriate authority in a timely fashion.