Commercial Banking Representative II

First Interstate•Fort Dodge, IA

11d•Onsite

About The Position

The Commercial Banking Representative II serves as a primary contact between commercial banking clients and the Bank and supports Commercial Relationship Managers in servicing clients across all loan types, including large and complex loan portfolios. The role maintains and expands client relationships by providing overall support, proactively addressing client needs, and promoting client satisfaction. It develops working knowledge of assigned accounts through frequent client contact and standard procedures, with essential duties performed individually and limited supervision required. The representative handles client calls, transactions, account inquiries, maintenance, and problem resolution within delegated authority, escalating requests that require Relationship Manager approval. The position supports loan applications and documentation, coordinates with clients and outside vendors, reviews and organizes legal loan files, prepares account documents for client meetings, and ensures loan packages and records are complete, accurate, and timely. It also creates and helps clear loan ticklers, supports collateral and legal entity validation, and assists with treasury and deposit product referrals. The role maintains compliance with applicable regulatory, legal, credit, anti-money-laundering, information-security, and suspicious-activity requirements. It keeps current on Bank products and policies, attends training and meetings, maintains positive working relationships, reviews assigned reports, may reconcile accounts or enter financial data, and maintains knowledge of relevant software and loan operating systems. The position is based at either the Clive, Iowa University Avenue branch or the Fort Dodge, Iowa Downtown branch. Typical hours are Monday through Friday, 8 a.m. to 5 p.m.; overtime may be required based on business needs.

Requirements

High school diploma or General Education Degree (GED).
4–6 years of banking experience, or an equivalent combination of education and experience.
Advanced understanding of credit products, bank systems, and commercial lending.
Sophisticated understanding of applicable federal regulations, credit policy, and bank policies and procedures.
Ability to work effectively in a fast-paced production environment.
Strong organizational skills, time-management skills, and attention to detail.
Strong interpersonal, oral, and written communication skills.
Problem-solving skills.
Proficiency with personal computers and related software packages.
Regular and predictable attendance.

Responsibilities

Handle day-to-day client calls and transactions, respond to account inquiries, maintain accounts, and research and resolve client problems.
Execute client transactions within delegated authority and applicable guidelines, escalating requests outside established norms or requiring Relationship Manager approval.
Assist with gathering financial statements, tax returns, business documentation, and other information for loan applications.
Coordinate with outside vendors and counsel, including attorneys and title companies, to obtain loan-related documentation and reports when applicable.
Review, organize, and maintain accurate loan documentation and legal loan files, including supporting information and digital records.
Prepare or review client account documents for Relationship Manager meetings, ensuring signatures, accuracy, and compliance with standard requirements.
Submit complete documentation requests consistent with loan approvals and ensure supporting documents are available in Director/Unity Client.
Provide complete loan packages to Loan Servicing for boarding and funding, ensuring appropriate general ledger accounts are credited for collected fees.
Upload documentation to Director/Unity Client in a timely manner and ensure imaged files are complete.
Create Credit Track ticklers according to loan agreement and guaranty requirements and help Relationship Managers obtain information to clear them.
Support Relationship Managers and group managers with legal entity, real estate collateral, UCC, and titled collateral validation.
Support commercial Relationship Managers and group managers with treasury and deposit products in coordination with internal teams and referral programs.
Follow the Code of Ethics and applicable anti-money-laundering, Bank Secrecy Act, information-security, and suspicious-activity policies and procedures; participate in required training.
Maintain working knowledge of regulatory, legal, and Credit Policy requirements and ensure applications, documentation, and loan accounts comply.
Attend internal and external training and operational and exception meetings to maintain knowledge of Bank products and credit policy changes.
Maintain positive working relationships with peers and other business-unit team members.
Generate or obtain assigned reports, review them for accuracy and compliance, and take corrective action as needed.
May reconcile client accounts, enter client financial data into databases, and monitor exceptions to company policies.
Maintain thorough knowledge of key software systems and loan operating systems.