Commercial Banking Representative II

First Interstate BancSystem•Fort Dodge, IA

9d•Onsite

About The Position

The Commercial Banking Representative II serves as a primary contact for commercial banking clients and assists Commercial Relationship Managers with servicing clients across all loan types, including large and complex portfolios. The role maintains and expands client relationships through overall support, proactive service, and frequent client contact. It develops working knowledge of assigned accounts and follows standard procedures, with essential duties performed individually and limited supervision required. The representative handles routine client calls, transactions, account inquiries, maintenance, and problem resolution; supports loan application and documentation processes; and ensures loan and client records are accurate, complete, and compliant. The role also supports Relationship Managers and group managers with collateral validation, treasury and deposit products, reporting, and ongoing client and account servicing. The position requires adherence to regulatory, credit, information security, and anti-money-laundering requirements.

Requirements

High School Diploma or General Education Degree (GED).
4–6 years of banking experience and/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 and time management skills, with strong attention to detail.
Strong interpersonal skills, including oral and written communication.
Problem-solving skills.
Proficiency with personal computers and related software packages.

Responsibilities

Handle day-to-day client calls and transactions, respond to account inquiries, perform account maintenance, and research and resolve client problems.
Execute client transactions within delegated authority and department guidelines, escalating requests outside specified norms or requiring Relationship Manager approval.
Assist in obtaining information for loan applications, including financial statements, tax returns, business documentation, and materials from outside vendors or counsel.
Specialize in loan documentation by reviewing documents, organizing legal loan files and supporting information, and ensuring digital records are accurate.
Prepare or review client account documents for Relationship Manager meetings, ensuring signatures, accuracy, and standard regulatory and compliance requirements are complete.
Submit complete documentation requests in accordance with loan approvals and ensure supporting documents are available in Director/Unity Client.
Provide complete packages to Loan Servicing for boarding and funding, ensuring appropriate general ledger accounts are credited for collected fees.
Upload documentation to Director/Unity Client promptly and ensure imaged files are complete.
Create Credit Track ticklers according to loan agreements and guaranty requirements and help Relationship Managers obtain information to clear them.
Support Relationship Managers and group managers with legal entity validation and validation of real estate collateral, UCC, and titled collateral documentation.
Support commercial Relationship Managers and group managers with treasury and deposit products in partnership with internal teams and referral programs.
Comply with the Code of Ethics and applicable anti-money-laundering, Bank Secrecy Act, information security, and suspicious activity reporting requirements; complete required training and follow referral processes.
Work with clients to understand their normal account activity, as appropriate for the position.
Maintain working knowledge of regulatory, legal, and Credit Policy requirements to keep applications, documentation, and loan accounts compliant.
Attend internal and external product training and operational and exception meetings, and keep current with credit policies and changes.
Maintain positive working relationships with peers and other business unit team members.
Generate or obtain assigned daily, weekly, monthly, and quarterly reports; review them for accuracy and compliance and make necessary corrections.
Reconcile client accounts, enter client financial data into databases, and monitor exceptions to company policies, as needed.
Maintain thorough knowledge of key software systems and other loan operating systems.