Commercial Banking Representative III

First Interstate BancSystem•Denver, CO

10d•Onsite

About The Position

The Commercial Banking Representative III serves as a primary contact between commercial banking clients and the Bank and supports Commercial Relationship Managers in servicing the most complex loan portfolios. The role maintains and expands client relationships by providing overall support, proactively identifying potential problems and compliance issues, and developing working knowledge of assigned accounts through standard departmental procedures. Essential duties are performed individually with minimal supervision. The position handles client calls, transactions, inquiries, account maintenance, and problem resolution; assists with loan application and documentation processes; reviews reports and account documents; and ensures loan applications, documentation, and accounts meet regulatory, legal, and Credit Policy requirements. It also provides mentorship and backup within the department, assists with program and procedure changes, and follows applicable ethics, anti-money laundering, Bank Secrecy Act, information security, and suspicious activity requirements. The position is located at the Cherry Creek branch in Denver, Colorado. Typical work hours are Monday through Friday, 8 a.m. to 5 p.m. The anticipated pay range is $28.19 to $43.74 per hour in Colorado, depending on job-related factors. The role is also eligible for annual discretionary cash bonuses.

Requirements

High school diploma or equivalent.
Four to six years of commercial loan-related banking experience.
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 and time-management skills and attention to detail.
Strong leadership and problem-resolution skills.
Demonstrated ability to self-start and a confirmed history of producing quality work.
Ability to work effectively with individuals and groups across the company to manage client relationships.
Proficiency with personal computers and related software, such as Word and Excel.
Regular and predictable attendance.

Nice To Haves

Experience with department-specific systems.

Responsibilities

Handle day-to-day client calls, transactions, and problem resolution.
Respond to client account inquiries, perform account maintenance, and research and resolve client problems.
Execute client transactions within delegated authority and applicable guidelines, escalating requests outside specified norms or requiring Relationship Manager approval.
Prepare and review client account documents for Relationship Manager and client meetings, checking signatures, accuracy, and regulatory and compliance requirements.
Assist in obtaining information and documentation needed to process loan applications, including financial statements, tax returns, business documentation, UCC searches, title work, OFAC Environmental Reports, appraisals, and flood determinations.
Coordinate with outside counsel, title companies, and other product vendors to request documents for loan requests when applicable.
Submit complete and accurate documentation requests in accordance with loan approvals and ensure supporting documents are available in Director/Unity Client.
Generate or obtain assigned daily, weekly, monthly, and quarterly reports; review them for accuracy and compliance and make corrections or system updates as needed.
Maintain knowledge of regulatory, legal, and Credit Policy requirements to ensure applications, documentation, and loan accounts are compliant.
Reconcile client accounts, enter client financial data into databases, and monitor exceptions to company policies.
Provide mentorship, support, and backup for department positions as needed.
Assist management with deployment of new or existing programs and procedures and provide positive leadership through change.
Maintain knowledge of key software systems and Loan Operating Systems.
Follow the Code of Ethics and applicable Anti-Money Laundering, Bank Secrecy Act, information security, and suspicious activity reporting requirements, policies, and procedures.
Participate in required corporate and business-line training and follow internal suspicious activity referral processes.
Work with clients to understand their normal account activity, as appropriate for the position.