Private Banking Specialist (71910)

SOUTHEAST BANK•Athens, TN

1d•Onsite

About The Position

Self-sufficient, high-level service provider for Relationship Managers’ portfolios. This role assists in the cultivation of both consumer and commercial client relationships by providing products and services, lines of credit, and other banking services. The specialist supports Relationship Managers to ensure that all aspects of the loan process and the related bank relationships are efficient, accurate, and compliant. They work closely with Loan Operations, the lending team, clients, and other outside parties to help manage workflow and facilitate timely loan closings, information integrity, and positive client experiences throughout the life of the loan/relationship. Additionally, the position involves handling customer transactions, opening accounts, facilitating completion of loan paperwork and closings, and being prepared to answer questions about SouthEast Bank products.

Requirements

High school diploma or equivalent
Prior loan processing experience or relevant client care, account, and/or credit experience
Understanding of loan documents and terminology
Familiarity with loan disclosure requirements
Knowledge of loan compliance regulations
Strong interpersonal and organizational skills
Moderate level of technical aptitude to use computer programs and regular email, internet, and Microsoft Office products
Positive attitude and pleasant disposition, even when under pressure or in confrontation
Banking and/or lending experience
Good organizational skills
At least three (3) years of lending assistant experience, or equivalent other banking experience (for Private Banking Specialist I)
Understanding of loan documents, terminology, and disclosures (for Private Banking Specialist I)
Ability to open and maintain most all types of accounts (for Private Banking Specialist I)
Experience and competency supporting client relationships (for Private Banking Specialist I)
At least five (5) years of lending assistant experience, or equivalent other banking experience (for Private Banking Specialist II)
Must understand and handle both consumer and commercial loans and accounts (for Private Banking Specialist II)
Experience assisting customers and other bankers with complicated transactions, accounts, and loans (for Private Banking Specialist II)

Nice To Haves

Basic knowledge of Bank loan, trust, and investment center products
Experience as a loan assistant, closer, processor, or equivalent
2-3 years of banking experience
Loan/credit experience
Customer service experience
Knowledge of banking regulations related to lending
3-5 years of combined retail banking and lending experience
Extensive experience with consumer and commercial loans
Extensive customer service and account management experience
5-7 years of combined retail banking and lending experience
Experience as a lender, lending assistant, processor, or equivalent
Extensive experience opening all types of accounts

Responsibilities

Serve as the primary point of contact for information management for clients and lenders.
Input information into systems and update it as needed.
Be proactive in identifying needs and troubleshooting concerns to ensure smooth, productive work and accurate information.
Provide excellent customer service, seeking proactive solutions and following up on inquiries, unanswered questions, issues that require additional input from other departments, and other matters that arise.
Return phone calls and emails in a timely manner.
Maintain understanding of loan purposes and products, and understand credit and processing procedures for loan systems.
Ensure that Bank information is ready, available, and clearly communicated for clients.
Reduce customer wait times and inefficiency by understanding requests and being prepared.
Assist clients as necessary with banking business, including facilitating transactions, opening new accounts, ordering new checks, replacing lost debit cards, transferring money, researching transaction errors, directing clients to other appropriate Bank services, counseling clients on the use of online banking or bill pay, and advising clients on budgeting and balancing their accounts.
Assist clients with loan service and maintenance issues as needed, including opening accounts, assisting with loan payments, late fees, and updating information and documents.
Assist clients with information about Bank products, including personal and business deposit accounts, treasury management services, consumer loans and lines of credit (HELOC), residential mortgage loans, small to medium size business term loans and lines of credit, consumer and business credit cards, merchant services, and occasionally larger real estate loans, as well as other appropriate products.
Assist lending team in the collection of documents/information and communication for all aspects of the credit and loan function, including applications, loan and financial exceptions, annual reviews, past dues, and loan maturities.
Work closely with the loan officer reports to help streamline the loan processes, maintain accurate and up-to-date data within the core system, and provide full visibility into the portfolio and pipeline.
Assist lenders by tracking activity, identifying missing information, monitoring loan progress, and ensuring reports are accurate so decisions can be made quickly and efficiently.
Work with lending team to ensure that all aspects of the loan function are completed and input into the Bank’s loan systems in a timely manner, in organized, accurate files.
Verify and double-check information to ensure accuracy, completeness, and timeliness for Credit functions (CIP, ID, completing loan information sheet, requesting credit reports, requesting tax cards, requesting appraisals, gathering financials, budgets, contracts, estimated collateral values and other personal and business information, tracking lists, application notes, HMDA and CRA fields, relationship staff assignment).
Verify and double-check information to ensure accuracy, completeness, and timeliness for Processing functions (assisting with flood certifications, monitoring insurance reports and verifying coverage, preparing loan checks, facilitating and verifying automatic funds transfer forms, loan documentation, disclosures, loan closings).
Verify and double-check information to ensure accuracy, completeness, and timeliness for Post-closing functions (assisting with recording UCCs, perfecting liens).
Facilitate transmission and shipment to Centralized Processing.
Coordinate and schedule loan closings to meet the required deadlines and policy guidelines.
Communicate with clients, lenders, real estate agents, title companies, attorneys, insurance companies, other departments and relevant parties regarding inquiries, updates, needed information, closing dates, deadlines, and workflow to ensure understanding, efficiency, cooperation, and compliance.
Be mindful of the Bank’s policies and procedures to ensure compliance with relevant regulations and internal policies.
Assist in pulling reports, filing, coordinating schedules, and other tasks as assigned.
Review the Bank’s information security guidelines regularly and avoid activity that could expose the Bank to malware, scams, and fraud.
Follow all guidelines for securing your accounts, access, systems, and information.
Be proactive in identifying threats to information security and relay concerns to the information security team.
Diligently protect confidential information, and assist the Bank in ensuring that all confidential and sensitive information is handled appropriately.
Maintain an active awareness and understanding of policies, procedures, designated authorities, regulations, and laws, including but not limited to, the Bank Secrecy Act, Anti-Money Laundering Act, Red Flags, and lending laws.
Follow all policies, procedures, designated authorities, regulations, and laws at all times.
Communicate openly with supervisors and other management about policies, procedures, work conduct, and job functions.
Ask questions to clarify any uncertainty when issues arise.
Address with your supervisor questions about suspected violations of policy and procedure, and other laws and guidelines, as outlined in the Code of Conduct, including but not limited to Bank Secrecy Act, Anti-Money Laundering Act.
Participate in training sessions and policy updates as necessary.
Assist with coordination of scheduling as appropriate.
Maintain focus and professionalism at work; reserve personal matters for personal time.
Be teachable, flexible, manageable, approachable, and helpful.
Work scheduled and other needed hours at the designated location(s).
Assist Management with scheduling and other issues as directed.
Accept additional work as needed and assist other managers or Team Members as needed.
Provide consistently positive, effective, helpful service to all customers, both internal and external.