Commercial Banking Representative II

First Interstate•Red Oak, IA

1d•Onsite

About The Position

The Commercial Banking Representative II is a primary contact between commercial banking clients and the Bank and assists 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 maximizing client satisfaction, and encouraging relationship growth. The representative develops working knowledge of assigned areas and accounts through frequent client contact and standard procedures, and performs essential duties with limited supervision. The position handles daily client calls, transactions, inquiries, account maintenance, and problem resolution; processes transactions within delegated authority and escalates matters requiring Relationship Manager approval. It supports loan applications and documentation by gathering financial and business information, coordinating with outside vendors, reviewing and organizing legal loan files, preparing meeting documents, submitting complete documentation requests, and providing loan packages for boarding and funding. The role also maintains digital loan records, creates and helps clear credit ticklers, assists with validation of legal entities and collateral, and supports treasury and deposit products. The representative follows applicable ethics, anti-money laundering, Bank Secrecy Act, information security, suspicious activity reporting, regulatory, legal, and credit-policy requirements. The position participates in required training and meetings, maintains positive working relationships, prepares and reviews reports, may reconcile accounts and enter financial data, and maintains thorough knowledge of key software and loan operating systems. This position is located at the Red Oak, Iowa branch. Typical work hours are Monday through Friday, 8 a.m. to 5 p.m.; overtime may be required based on business need.

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.
Ability to meet the position's physical demands, including frequently operating a computer keyboard and mouse and frequently sitting.
Regular and predictable attendance.

Responsibilities

Handle day-to-day client calls, transactions, inquiries, account maintenance, and problem resolution.
Execute client transactions within delegated authority and escalate requests outside established norms or requiring Relationship Manager signature or approval.
Assist in obtaining financial statements, tax returns, business documentation, and other information needed for loan applications.
Coordinate with outside vendors and counsel to obtain loan-request documents and services, as applicable.
Review, organize, and maintain accurate loan documentation and legal loan files, including digital records.
Prepare or review client account documents for Relationship Manager meetings, checking signatures, accuracy, and standard regulatory and compliance requirements.
Submit complete documentation requests in accordance with loan approvals and ensure supporting information is 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 promptly and ensure imaged files are complete.
Create Credit Track ticklers according to loan agreements and guaranty requirements, and assist Relationship Managers in obtaining 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 reporting policies and procedures.
Work with clients to understand their normal account activity, as appropriate for the position.
Maintain working knowledge of regulatory, legal, and Credit Policy requirements and ensure applications, documentation, and loan accounts comply.
Participate in internal and external training, attend operational and exception meetings, and stay informed about products and credit-policy 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 or initiate 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 loan operating systems.