Commercial Banking Associate

First Capital Bank; Pinehurst (NC); On-site; USD 36,000 - 48,000; Full time

Benefits offered by this job

Sick leave

Vacation accrual

Paid holidays

401(k) match

Medical & dental insurance

Vision insurance

Life & disability insurance

Additional insurance options

Job summary

First Capital Bank seeks a motivated professional to support Commercial Lenders by gathering financial data, drafting letters and agreements, and coordinating with CPAs and attorneys. You will help manage complex accounts, process transactions, and renew loans while ensuring compliance with bank policy and regulatory standards.

The role emphasizes strong communication skills, attention to detail, and collaboration with clients and internal teams to resolve issues and cross-sell banking services.

Qualifications

• General knowledge of financial statement analysis.
• Operational knowledge of treasury and merchant services, card services, asset-based lending, letters of credit, and securities.
• Advanced knowledge of word processing and spreadsheet applications.
• Ability to balance administrative functions with service expectations.
• Strong written and oral communication; organization; customer service excellence.

Responsibilities

• Support Commercial Lenders by obtaining financial data, drafting letters and agreements, and obtaining collateral documents.
• Coordinate with CPAs, attorneys, and insurance agents to resolve exceptions and issues.
• Assist in relationship management for complex accounts by processing transactions and renewing loans.
• Complete essential functions with minimal supervision using banking and lending applications.
• Serve as primary contact for commercial customers and resolve service issues.
• Review loan documents for policy and regulatory compliance.
• Monitor reports and escalate issues to Commercial Lenders as needed.
• Identify cross-sell and referral opportunities with banking products and services.
• Assist in managing deposit relationships (wires, set up, NSF, approvals, signatures).
• Maintain awareness of risk and comply with policies and regulations.

Skills

Financial statement analysis

Treasury & merchant services

Word processing

Communication

Customer service

Education

High school diploma or GED

Job description

First Capital Bank is committed to supporting the communities we operate in and representing community banking at its best. We are growing rapidly and offer a fun but ambitious atmosphere with extensive opportunities for advancement. As an equal opportunity employer, we consider all applicants without attention to ethnicity, national origin, religion, sex, gender identity, sexual orientation, veteran, or disability status.

REQUIRED QUALIFICATIONS & EXPERIENCE

• At least a high school diploma or GED
• At least 2 years of experience in the financial services industry

DESIRED SKILLS

• General knowledge of financial statement analysis.
• In-depth operational knowledge of treasury and merchant services, card services, asset-based lending, international and domestic letters of credit, and securities.
• Advanced knowledge of word processing and spreadsheet applications
• Demonstrated ability to balance administrative functions with service expectations
• Aptitude for effective written and oral communication; organization; and providing excellent customer service

CORE RESPONSIBILITIES

• Support to the bank’s Commercial Lenders by obtaining financial data, drafting letters and agreements, clearing exceptions, and obtaining collateral documentation.
• Coordinate with assigned clients’ CPAs, attorneys, and insurance agents to resolve specific exceptions and transactional issues.
• Assist in customer relationship management for the most complex accounts by processing transactions, renewing loans, resolving account issues, and providing other administrative support as needed.
• Completes essential job functions with minimal supervision, using a variety of banking and lending applications.
• Serves as the primary contact for commercial customers, to include resolution of customer service issues.
• Review all loan documents to ensure compliance with bank policy and regulatory requirements.
• Monitor multiple reports to ensure that problems are escalated to the Commercial Lenders in a timely manner.
• Utilize advanced knowledge of banking products and services to identify cross-sell and referral opportunities
• Assist in the management of deposit relationships and related services, to include: wires, account set up, NSF management, approvals, signatures, etc.

OTHER RESPONSIBILITIES

• Upon request and with proper authorization:
• Monitor overdrafts and refer to Commercial Lenders for resolution
• Assist clients with draws, transfers, and loan payments
• Monitor past due reports and coordinate with designated individuals to collect on past due principal and interest payments.
• Maintain awareness of risk to include observation of all job-specific policies, procedures, regulations, laws, risk limits, and industry best practices.
• Report known or suspected violations to the appropriate authority in a timely fashion.

BENEFITS

• 2 weeks of sick time
• Vacation time starts at 2 weeks and increases with tenure
• 6 paid holidays guaranteed annually + up to 5 additional paid holidays (when they fall Sun-Fri)
• 5% match on retirement contributions
• Employer contribution to medical and dental insurance
• 3 medical plans to choose from, including a high deductible option
• No cost for employee-only basic vision insurance
• Employer-paid life and disability insurance
• Optional employee-paid critical illness, accident, hospital indemnity, term life and long-term care /permanent life insurance