Wholesale Relationship Specialist IV (Warrenton, VA)

Atlantic Union Bank Careers•Warrenton, VA

16h•Onsite

About The Position

The Relationship Specialist IV is an essential contributor to the success of the Wholesale Banking Line of Business, providing a variety of commercial banking support activities. This role involves direct interaction with Wholesale Banking clients and close collaboration with Relationship Managers, Credit Portfolio Managers, Treasury Management, Loan Services, and other bank personnel to efficiently originate and service loans and deposit accounts. The Specialist implements and facilitates client relationship management tasks to ensure a high-quality banking experience and provides support to management in training and mentoring junior Relationship Specialists.

Requirements

High school diploma or equivalent
Seven plus years of wholesale or consumer banking or industry related experience required
Three plus years of commercial loan and deposit experience required
Exceptional customer service and problem-solving proficiency
Superior time management
Excellent oral, written, and interpersonal communication
Very organized and detail oriented
Expert proficiency in reading and interpreting Title Policies and understanding of Real Estate Collateral
Expert proficiency in reading and interpreting UCC lien and judgment search results
Ability to prioritize and manage multiple priorities
Flexible, able to adapt to change
Ability to work independently as well as within a team environment
Outstanding analytical skills
First-rate computer skills relevant to Microsoft 365 Suite
Expert proficiency in commercial loan documentation, including specialized loans, Master Title Policies and Masters Deeds of Trust
Strong working knowledge of business deposit accounts
Extensive and strong working knowledge of banking software programs

Nice To Haves

College degree preferred
Experience with Construction Management software, bank loan documentation software, loan origination software, CRM platforms, Core bank applications, and business online banking platforms are preferred.
Management and mentor experience are beneficial.

Responsibilities

Manages and responds to daily incoming client requests and inquiries in a timely and professional manner.
Performs necessary research and maintenance to provide or facilitate solutions, and logs and resolves customer complaints and dissatisfactions.
Works proactively to identify potential problems and/or compliance concerns.
Executes and adheres to all federal and state regulations governing bank operations, including BSA/AML requirements, and Bank’s loan and deposit origination, documentation, and administration policies and procedures.
Opens, services, and maintains wholesale deposit accounts.
Maintains a strong working knowledge of the Bank’s Treasury Management products and services.
Monitors daily non-sufficient funds and unposted transaction reports, obtains necessary approvals and processes decisions, and communicates with clients and Bank personnel.
Processes payments and advances on loan accounts and transfers and stop payments on deposit accounts.
Gathers, images, and files financial statements and documents.
Orders and/or requests pre-closing due diligence items including lien searches, flood certifications, business valuations, appraisals, and environmental reports.
Ensures accurate completion of all required flood documentation.
Completes detailed due diligence in accordance with regulatory requirements and bank policies and procedures.
Collects information and/or documentation to comply with BSA/AML requirements for customer identification, customer due diligence, and beneficial ownership information.
Works directly with Centralized Doc Prep to request internally prepared loan documents and ensures loan documents are reviewed for accuracy and completeness prior to closing, funding, and boarding of loans.
Handles internal loan closings and coordinates external loan closings, to include engaging and working with Bank counsel, closing attorneys, and title companies.
Funds and boards loans, including reviewing requests for accuracy and preparing physical loan packages for imaging and record retention shipment.
Prepares tickets, online transaction entries (OTEs), and wire transfers as needed.
Manages and/or assists in the management of construction and/or development loans.
Assists in the management of Builder Lines of Credit, including managing inventory and tracking allowable exposure.
Maintains a strong working knowledge of specialized loans, including modified builder lines, low income housing tax credit loans (LIHTC), asset-based loans, SWAPs, participations, syndications, loans to government contractors, and loans to government entities.
Assists with reporting and clearing exceptions associated with loan and deposit accounts.
Prepares loan account pay off quotes and coordinates collateral releases.
Assists with the preparation of client presentation materials.
Assists with maintaining data integrity for the CRM and other critical bank systems.
Serves as subject matter expert to assist other Relationship Specialists with reviewing loan documentation prior to closing.
Assists with mentoring, coaching, and training new and existing Relationship Specialists.
Completes all assigned training, including compliance training.
Serves as a back-up for other Relationship Specialists.
Assists the Wholesale Support Manager/Group Leader in training, problem solving, and mentoring junior Relationship Specialists.
May participate in projects and initiatives and assist with maintaining, updating, and creating procedures.
Assists with creating common knowledge and consistent practices.
Begins assisting with financial statement interpretation, industry trend identification, risk rating analysis, and entry-level commercial underwriting concepts.
Promotes an environment that supports diversity, equity, inclusion, and belonging and reflects the Atlantic Union Bank brand and culture.
Performs other duties as assigned.