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Commercial Banking Assistant
3 months ago
Commercial Banking Assistant
PositionSummary:
This position reports to the assignedCommercial Banking Officer with responsibilities including assisting withand/or managing the loan and deposit portfolios developed by the officer. Provides administrative support and customerservice to the Commercial Banking customer base.
EssentialFunctions:
- Maintain customer confidentiality at all times.
- Manage customer portfolios, depending on position level.
- Provide departmental coverage as it relates to phone and walk-in clients to assist with banking and loan needs.
- Manage daily overdrafts for the office and make recommendations to the officer for disposition. The CBA has overdraft authority to make the decision, depending on position level.
- Has the authority to release a hold on funds, allowing customer access to immediate availability.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Run credit reports.
- Administrative support as directed by officer.
- Ensures loan files and loan documents are complete and accurate according to policy.
- Prepare loan vouchers and supporting documentation to present loan package for approval.
- Analyze and make recommendation for lending below certain amounts.
- Uses independent judgment and decision making in carrying out the essential functions of the position.
- Signs official checks, if necessary.
- Assist with or handle the preparation of all materials needed to initiate lending transaction.
- Assist with or handle account openings and special services needed by customers.
- Orders inspections for construction or development projects from approved vendors
- Completes and retains all compliance-related documents especially as related to flood, RESPA, HMDA, and all other regulatory requirements
- Investigate electronic banking issues and provide assistance, if possible or refer to the appropriate bank personnel for correction.
- Assist the officer in the monitoring of matured and past due loans.
- Contact clients with maturing CDs to ensure retention
- May attend loan closings to represent Resource Bank.
- Responsible for marketing Resource Bank in the public arena through personal and professional contacts.
- May serve as liaison between customer and hired professionals (CPA) regarding confidential customer banking information, depending on position level.
- Other duties necessary to make the Commercial Banking Department run successfully.
- All other duties as assigned.
- Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
- Time Management - Managing one's own time.
- Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
- Speaking - Talking to others to convey information effectively.
- Mathematics - Using mathematics to solve problems.
- Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
- Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
- Speech Clarity - The ability to speak clearly so others can understand you.
- Written Comprehension - The ability to read and understand information and ideas presented in writing.
- Written Expression - The ability to communicate information and ideas in writing so others will understand.
- Problem Sensitivity - The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.
Experienceand Education:
High school diploma or GED requiredwith preference given to a four-year college degree in business. Must have previous banking experience inRetail Banking, Private Banking, Loan Administration or Commercial Lending.
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