Commercial Client Specialist III

Simmons Bank•Tulsa, OK

About The Position

The Commercial Client Specialist III supports the company’s bankers by servicing, maintaining, and updating loan documentation and loan files. The role involves substantial interaction with new and existing bank customers, both internal and external, and requires excellent customer service and proactive communication. It may serve as a subject-matter expert across multiple loan assistants and as a peer leader to less experienced assistants, particularly when addressing complex questions, challenges, and processes. The position manages commercial loan documentation and related exceptions, supports bankers with client relationships and financial information, monitors loan activity and potential issues, and may coordinate construction-loan disbursements. In certain markets, it also provides retail banking support to commercial customers. The employee performs other duties as assigned.

Requirements

High school diploma or GED.
At least 4 years of commercial loan experience.
Ability to read, write, analyze, and comprehend simple instructions, routine business correspondence, financial reports, and/or legal documents.
Ability to read and interpret procedure manuals, general business correspondence, journals, and/or government regulations.
Ability to manage problematic situations diplomatically.
Thorough understanding of loan documentation, credit policy, and banking regulation.
Thorough understanding of financial statements and their interpretation, with the ability to communicate essential details to the appropriate business partner.
Thorough understanding of HMDA, CRA Community Development, and CRA Small Business Revenue.
In certain markets, thorough understanding of and ability to communicate the bank’s retail services and processes.
Proficiency with MS Office programs.
Thorough understanding of the bank’s operating systems, including Lending Cycle, Argo, and Synergy, or similar prior experience with comparable operating systems.
Self-starter with the ability to work independently.
Ability to exercise proactive judgment, multitask, and perform tasks punctually and on time.

Responsibilities

Manage a consistently high volume and/or complexity of loans efficiently.
Coordinate preparation and execution of required loan documentation, review documents for compliance, organize loan-renewal workflows, and follow up with clients, insurance agents, title companies, and attorneys for missing documentation.
Resolve documentation exceptions and deficiencies, actively manage outstanding exception items for Credit Policy compliance, and ensure proper reporting and bank compliance.
Work with the assigned banker to collect financial data and communicate with clients by phone and email to support the overall client relationship.
Provide client-related services, including handling wires, NSF accounts, and overdrafts.
Interpret complex financial statements and analyses and communicate relevant details to the appropriate business partner.
Monitor reports such as past-due loans, paid-off loans, criticized assets, and maturing loan lists; proactively inform bankers of potential or pending issues and help minimize administrative issues such as client past dues.
When needed, coordinate with the Portfolio Manager and CCFG to facilitate construction-loan disbursements in accordance with bank policy.
Promote an outstanding customer experience through prompt follow-up, proactive internal and external communication, proper etiquette, and professional customer service.
Partner with ancillary bank departments, including Loan Admin, CIS, Loan Review, Special Assets, Bank Card, and Consumer Special Services.
In certain markets, support commercial customers with retail services such as opening new accounts and performing account maintenance.
Perform other duties and responsibilities as assigned.