Relationship Associate, Loan Operations

First National Bank

76d • $46,679 - $77,020

About The Position

The Relationship Associate is responsible for being the ‘customer concierge’ for the business segment customers. The RA is the bridge between customer, RM, PA, Personal Bankers, and back-office operations. RAs own the deposit origination and maintenance functions (excluding analyzed accounts) for the business segment as well as process many loan functions including covenant management, payments, maintenance, and research. RAs work cross functionally often operating as subject matter experts in many areas.

Requirements

• Bachelor’s Degree or equivalent relevant work experience (financial services, operations, client onboarding, or related field)
• Strong organizational skills with high attention to detail and accuracy
• Excellent written and verbal communication skills, with the ability to coordinate across internal teams and external partners
• Ability to manage multiple priorities and balance partner needs in a fast-paced environment
• Strong analytical and problem-solving skills with a continuous improvement mindset
• Customer-service orientation with a proactive approach to issue resolution
• Candidates must possess unrestricted work authorization and not require future sponsorship

Responsibilities

• Utilizing the nCino workflow completion of the borrowing structure, loan team, loan details input
• Understanding of and Loan Compliance completion of the HMDA and GMI form collection if applicable in nCino
• Completing and collection the Smart Checklist Items such as 1-4 Family Reg B Appraisal Disclosure, Ben Owner obtained / confirmed, Ben Owner Signed Cert in FW, CIP Validation Form, Guarantor with California Address (if applicable), Populate Joint Intent Information (if applicable), RE – HMDA Reportable, Reg B (Joint Intent) Validation, Reg B Eligibility Questionnaire, Reg O – Compliance Review, Service Request Form
• Move to credit
• Upload necessary loan documents into FirstWork
• Create closing packet if requested
• Facilitate and assist loan closings with Processors, RM’s and Title Companies as needed. May include notary services
• Assist RM’s with Waivers, Reliance Reviews, Service Request Form, as requested
• Obtain and review loan closing items including Entity Docs, CAW, BFO, Insurance, UCC Name Verification
• Post Close Monitoring including uploading necessary loan documents into FirstWork, preparing loan for booking, sending originals for retention, and monitoring and completing financial covenants
• Tracking Updates for financials that may include Tax Returns, Financial Statements, Cash Flow, Rent Roll, Broker Statements
• Monitoring Items – Tracking Updates that may include Waivers, Borrowing Base Certificates, A/R – A/P, Compliance Certificates, Inventory
• Execute loan payments and advances for customers and conduct research
• Generate and process reports that may include Past Due Loan Payments, Matured Loan, Loans coming due, Portfolio reports, Covenant Reports
• RM Support including pipeline and covenant report conversation/review
• Deposits & Deposit Origination including Checking, Savings, CD and maintenance/transaction processing

Benefits

• Medical, Dental, Vision Insurance
• 401k, With Matching Contributions
• Time Off Programs
• Health Savings Account (HSA)/Dependent Care
• Employee Banking
• Growth Opportunities
• Tuition Assistance
• Short-Term/Long-Term Disability Insurance

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees