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Commercial Banking Assistant

3 months ago


Mandeville, United States Resource Bank Full time
RESOURCEBANK

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.
Skillsand Abilities:
  • 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.
Competencies:
  • 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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