Commercial Banking Client Specialist

First Horizon • Atlanta, GA

17h • Onsite

About The Position

Supports the clients and sales staff by performing moderate complex daily clerical functions to maintain the office and document processing. This role provides commercial lending support to Commercial Relationship Managers, reviews and funds loans, and processes and administers commercial loans. It involves recording new loans, establishing relevant files, processing loan payments, and maintaining loan records. The specialist will obtain credit information, ensure sufficient loan collateral, and calculate loan items and charges. They will also assist lending officers with disbursements and new loans, answer client inquiries, open new accounts, promote cross-selling, and research/correct account discrepancies. Additionally, the role involves preparing loan documents, notices, and reports, assisting with maintaining Relationship Managers' portfolios by clearing exceptions, and identifying clients’ operational needs to offer appropriate bank products and services. The specialist will provide comprehensive assistance to clients across loans, deposits, and other bank services, authorize overdraft payments and fees, and approve/process withdrawals on lines of credit. Communication with various professionals such as attorneys, insurance companies, and title companies is key, as is assisting with ordering appraisals, flood determinations, UCCs, and familiarizing oneself with OFAC. The role requires close collaboration with Bankers, Underwriters, Loan Closers, Loan Processing, and legal documentation areas for loan closings, and with Bankers, Underwriters, and loan operations for ongoing loan monitoring. Collaboration with Bankers, Treasury Management, and deposit operations for ongoing monitoring of depository/Treasury Management accounts is also expected. The specialist will process wire requests for clients and provide administrative support to other departments as needed.

Requirements

• High school diploma or GED and 2-4 years of experience or equivalent combination of education and experience

Nice To Haves

• Train on loan documentation/funding, LaserPro, and basic understanding of attorney prepared documents

Responsibilities

• Provide Commercial Lending Support to Commercial Relationship Managers
• Review and Fund Loans
• Processes and administers commercial loans.
• Records new loans, establishes relevant files, processes loan payments and maintains loan records.
• Obtains credit information and ensures sufficient loan collateral.
• Calculates loan items and charges such as interest and payments.
• Assists lending officers in activities such as disbursement of funds and extension of new loans.
• Answers client inquiries on bank products, services, accounts and policies; opens new accounts; promotes cross-selling; researches and corrects account discrepancies.
• Prepares loan documents, notices, and periodic loan reports.
• Assist with maintaining Relationship Managers portfolios – clear loan, collateral and deposit exceptions, credit exceptions, assist with past dues
• Be able to identify clients’ operational needs and bank products/services to meet these needs and establish proficiency.
• Provide assistance to the bank's clients in all areas of the clients’ relationship with the bank, including loans, deposits, and other bank services
• Authorize payment and fees of commercial client overdrafts
• Approve and process commercial client’s withdrawals on lines of credit
• Communicate with clients, attorney’s, insurance companies, title companies, and various other professionals
• Assist in ordering appraisals, flood determinations, UCC’s and familiar with OFAC
• Work closely with Bankers, Underwriters, Loan Closers, Loan processing and legal documentation areas to ensure satisfactory closing of loans to clients with supervision
• Train on loan documentation/funding, LaserPro, and basic understanding of attorney prepared documents
• Work closely with Bankers, Underwriters, and loan operations to ensure satisfactory on-going monitoring of loans to clients with supervision
• Work closely with Bankers, Treasury Management, and deposit operations to ensure satisfactory on-going monitoring of depository/Treasury Management accounts/services to clients
• Process wire requests for clients.
• Assist other AAs and other departments with administrative support when needed
• Performs all other duties as assigned

Benefits

• Medical with wellness incentives, dental, and vision
• HSA with company match
• Maternity and parental leave
• Tuition reimbursement
• Mentor program
• 401(k) with 6% match

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED