Private Banking Specialist - Branch (73504)

SOUTHEAST BANK•Knoxville, TN

3d•Onsite

About The Position

This role serves as a self-sufficient, high-level service provider for Relationship Managers' portfolios. The Private Banking Specialist will assist in cultivating both consumer and commercial client relationships by providing products, services, lines of credit, and other banking services. This position supports Relationship Managers to ensure loan processes and related bank relationships are efficient, accurate, and compliant. The specialist will collaborate with Loan Operations, the lending team, clients, and external parties to manage workflow, facilitate timely loan closings, maintain information integrity, and ensure positive client experiences throughout the loan/relationship lifecycle. Responsibilities include handling customer transactions, opening accounts, completing loan paperwork and closings, and answering 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
Ability to operate office equipment, telephones, and computers
Ability to communicate fluently in English, in person, in writing, and on the computer
Ability to hear, speak, and understand verbal communication
Ability to read, write, count, and perform basic math functions
Ability to move head, shoulders, neck, and arms freely
Ability to use manual dexterity and fine manipulation for operating a keyboard, using equipment, filing, etc.
Ability to lift up to 10 pounds, grasp, reach, and pull
Ability to think, remember, learn new information, and apply cognitive data to job functions
Ability to assess and concentrate on mental and physical job tasks to see them to completion
Ability to work with others to share information and solve problems
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
Understanding of loan documents, terminology, and disclosures.
Ability to open and maintain most all types of accounts
Experience and competency supporting client relationships

Nice To Haves

Basic knowledge of Bank loan, trust, and investment center products
Experience as a loan assistant, closer, processor, or equivalent
At least five (5) years of lending assistant experience, or equivalent other banking experience
Must understand and handle both consumer and commercial loans and accounts
Experience assisting customers and other bankers with complicated transactions, accounts, and loans
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 and update information in systems accurately.
Proactively identify client needs and troubleshoot concerns.
Provide excellent customer service, seeking proactive solutions and following up on inquiries.
Maintain understanding of loan purposes, products, credit, and processing procedures.
Ensure Bank information is ready, available, and clearly communicated to clients.
Reduce customer wait times and inefficiency by understanding requests and being prepared.
Assist clients with banking business, including transactions, opening new accounts, ordering checks, replacing debit cards, transferring money, researching errors, directing clients to other services, and counseling on online banking, bill pay, budgeting, and account balancing.
Assist clients with loan service and maintenance issues, including opening accounts, assisting with loan payments, late fees, and updating information.
Inform clients about Bank products, including deposit accounts, treasury management services, consumer loans, HELOCs, residential mortgages, business loans, credit cards, merchant services, and real estate loans.
Assist the lending team in collecting documents and information for credit and loan functions, including applications, exceptions, reviews, past dues, and maturities.
Work closely with loan officer reports to streamline loan processes, maintain accurate data, and provide portfolio/pipeline visibility.
Track activity, identify missing information, monitor loan progress, and ensure report accuracy for efficient decision-making.
Ensure loan functions are completed and input into Bank loan systems in a timely manner with organized, accurate files.
Verify and double-check information for accuracy, completeness, and timeliness.
Assist with credit-related tasks such as CIP, ID verification, loan information sheets, credit reports, tax cards, appraisals, financials, budgets, contracts, collateral values, and application notes.
Assist with processing tasks such as flood certifications, insurance monitoring, preparing loan checks, verifying fund transfers, loan documentation, disclosures, and closings.
Assist with post-closing tasks such as recording UCCs and perfecting liens.
Facilitate transmission and shipment of documents to Centralized Processing.
Manage collateral, updated financials, and contact information.
Coordinate and schedule loan closings to meet deadlines and policy guidelines.
Communicate with clients, lenders, real estate agents, title companies, attorneys, insurance companies, and other departments regarding inquiries, updates, and closing details.
Ensure compliance with Bank policies, procedures, regulations, and laws.
Assist in pulling reports, filing, and coordinating schedules.
Review and adhere to Bank information security guidelines to prevent malware, scams, and fraud.
Follow guidelines for securing accounts, access, systems, and information.
Proactively identify information security threats and report concerns.
Diligently protect confidential information and ensure it is handled appropriately.
Maintain awareness and understanding of policies, procedures, regulations, and laws, including Bank Secrecy Act, Anti-Money Laundering Act, Red Flags, and lending laws.
Communicate openly with supervisors about policies, procedures, work conduct, and job functions.
Ask questions to clarify uncertainty.
Report suspected violations of policy, procedure, laws, and guidelines to supervisors.
Participate in training sessions and policy updates.
Assist with coordination of scheduling.
Maintain focus and professionalism at work.
Be teachable, flexible, manageable, approachable, and helpful.
Work scheduled and other needed hours at designated locations.
Assist management with scheduling and other issues as directed.
Accept additional work and assist other managers or Team Members as needed.
Provide consistently positive, effective, and helpful service to all customers, both internal and external.