Commercial Banking Representative III

First Interstate BancSystem • Fort Collins, CO

2d • $28 - $44

About The Position

The Commercial Banking Representative III functions as a primary contact between commercial banking clients and the Bank and assists Commercial Relationship Managers with servicing the client, for the most complex loan portfolios. Responsible for maintaining and expanding the relationship with clients by providing overall client support services; working proactively to identify potential problems and compliance issues; and developing a working knowledge of assigned area and accounts through execution of standard departmental procedures. Essential duties are performed individually with minimal supervision required.

Requirements

• Advanced understanding of credit products, bank systems and commercial lending.
• Advanced knowledge 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 strong attention to detail.
• Strong leadership and problem resolution skills.
• Demonstrated ability to self-start.
• Confirmed history of producing a quality work product.
• Ability to work effectively with individuals and groups across the company to manage client relationships.
• Proficiency with personal computers and related software packages such as Word and Excel.
• High School Diploma or equivalent required
• 4-6 years Commercial loan related banking experience required
• Regular and Predictable Attendance - Required

Nice To Haves

• Experience with department-specific systems preferred

Responsibilities

• Handles day-to-day client calls, client transactions, and client problem resolution.
• Responds to client account inquiries, performs account maintenance and researches/resolves client problems.
• Executes client transactions within delegated authority or applicable department guidelines, escalating to the assigned Relationship Manager (RM) any requests outside specified norms or items requiring Relationship Manager signature or approval. Transactions may include: transfers, withdrawals, distributions, wire transfers, payments, fee waivers/fee refunds, client overdrafts, monitoring reports, and other loan and account operations requested by clients.
• Prepares and/or reviews client account documents for meetings between the RM and the client, focusing on completion of signatures, accuracy, and fulfillment of standard regulatory and compliance guidelines.
• Assists in obtaining necessary information to process loan applications, such as financial statements, tax returns, business documentation, UCC searches, title work, OFAC Environmental Reports, appraisals, and flood determinations. Work with outside counsel, title companies, other product vendors, etc. to request documents needed for loan requests, when applicable.
• Submits complete and accurate requests for documentation in accordance with the loan approval, ensuring all appropriate supporting documents are available in Director/Unity Client, including but not limited to loan approval, Borrower, Guarantor, and Grantor entity documents, collateral reports, and all other information necessary to generate loan documents.
• Generates or obtains daily, weekly, monthly and quarterly reports as assigned. Reviews reports for accuracy and compliance and takes action to update systems or make other corrections. Adheres to specific reporting procedures when available.
• Maintains thorough knowledge of all regulatory, legal, and Credit Policy requirements to ensure all applications, documentation and loan accounts are compliant.
• Reconciles client accounts, enters client financial data into databases, and monitors exceptions to company policies.
• Provides mentorship, support, and back-up for all positions in the Department as needed. Assists management in deployment of new or existing programs/procedures, providing positive leadership through change.
• Maintains a thorough knowledge of key software systems and other Loan Operating Systems.
• Actively ensures compliance with the Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies, and procedures. Actively participates in any required corporate and business line training in these areas. Understands and follows internal suspicious activity referral requirements and processes, as required for this position. Actively works with clients to understand each client’s normal account activity, as appropriate for this position.

Benefits

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• medical, dental, vision, short- term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 501-1,000 employees