Commercial Banking Representative II

First Interstate BancSystem•Red Oak, IA

13h•Onsite

About The Position

The Commercial Banking Representative II serves as a primary contact between commercial banking clients and the Bank and assists Commercial Relationship Managers with servicing clients across loan types, including large and complex portfolios. The role maintains and expands client relationships through support services, proactive client contact, and execution of standard procedures. Duties are performed individually with limited supervision. The representative handles client calls, transactions, account inquiries, maintenance, and problem resolution; executes transactions within delegated authority; and escalates matters outside established guidelines to the Relationship Manager. The role assists with gathering loan application information and coordinating with external vendors, specializes in loan documentation and legal loan file accuracy, prepares and reviews account documents, submits complete documentation requests, and provides loan packages to Loan Servicing for boarding and funding. It also maintains digital records and credit ticklers, supports review of entity and collateral documentation, and assists Relationship Managers with treasury and deposit products. The position requires compliance with ethics, anti-money laundering, Bank Secrecy Act, information security, suspicious activity reporting, regulatory, legal, and credit policy requirements. Additional work includes training, meetings, reporting, report review, account reconciliation, financial data entry, exception monitoring, and maintaining knowledge of bank and loan operating systems. The position is located at the Red Oak, Iowa branch, with typical hours Monday through Friday, 8 a.m. to 5 p.m.

Requirements

High school diploma or GED.
Four to six 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 and 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.

Responsibilities

Handle day-to-day client calls, transactions, and problem resolution; 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 established norms or requiring Relationship Manager approval.
Assist with obtaining financial statements, tax returns, business documentation, and other information for loan applications; coordinate with vendors and counsel as needed.
Review, organize, and ensure the accuracy of loan documentation, legal loan files, and digital records.
Prepare and review account documents for client meetings, ensuring signatures, accuracy, and compliance with standard regulatory and compliance guidelines.
Submit complete documentation requests in accordance with loan approvals and provide supporting documentation in Director/Unity Client.
Provide complete packages to Loan Servicing for boarding and funding, ensuring appropriate general ledger credits for collected fees.
Upload documentation timely, ensure imaged files are complete, and create and help clear Credit Track ticklers in accordance with loan and guaranty requirements.
Support Relationship Managers and group managers in reviewing and certifying legal entities, real estate collateral documentation, UCC records, and titled collateral.
Support commercial Relationship Managers and group managers with treasury and deposit products in partnership with internal teams and referral programs.
Follow ethics, anti-money laundering, Bank Secrecy Act, information security, and suspicious activity reporting policies and procedures; complete required training and understand clients’ normal account activity as appropriate.
Maintain working knowledge of regulatory, legal, and Credit Policy requirements and ensure applications, documentation, and loan accounts are compliant.
Attend training and operational and exception meetings; stay informed about bank products, credit policies, and 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.
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.