Commercial Banking Representative II

First Interstate Bank; Loveland (CO); On-site; USD 49,000 - 74,000; Full time

Benefits offered by this job

PTO with holidays

Paid federal holidays

Child Care Assistance

Wellness stipend

Community involvement

Job summary

First Interstate Bank in Colorado seeks a Commercial Banking Specialist to act as the primary daily contact for commercial clients and to assist Relationship Managers with servicing large and complex loan portfolios.

You will maintain and expand client relationships, provide proactive support, and develop working knowledge of the area through frequent client contact and standard procedures.

Qualifications

• High School diploma or equivalent; 3+ years banking experience.
• Advanced understanding of credit products, bank systems, and commercial lending.
• Knowledge of applicable federal regulations and bank policies.

Responsibilities

• Handle day-to-day client calls, transactions, and problem resolution.
• Process client transactions within authority; escalate as needed.
• Prepare and review reports; update systems.
• Assist obtaining loan documentation and coordinate with vendors.
• Reconcile client accounts and monitor policy exceptions.

Skills

Strong communication

Problem solving

Time management

Attention to detail

PC proficiency

Education

High School diploma or equivalent

Tools

Banking systems

Database usage

Job description

life insurance, paid time off, sick time, 401(k)

This position may be filled in Greeley, CO; Fort Collins, CO; or Loveland, CO.

What's Important to You

We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Accrue and use your paid time off (PTO) immediately - no waiting period - plus paid federal holidays in addition to PTO.
• Child Care Assistance Program for eligible dependent(s).
• We prioritize wellness by offering eligible employees a monthly stipend, toward a fitness club membership or exercise-related classes.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

SUMMARY

This position functions as the primary daily contact between commercial banking clients and the Bank, and assists Commercial Relationship Managers with servicing the client, for large and complex loan portfolios. This role is responsible for maintaining and expanding the relationship with clients by providing overall client support services. Works proactively to maximize client satisfaction and encourage expansion of the relationship. Develops working knowledge of assigned area and accounts through frequent client contact and execution of standard procedures.

ESSENTIAL DUTIES & RESPONSIBILITIES

include the following: other duties may be assigned.

• Handles day-to-day client calls, client transactions, and client problem resolution. Responds to client account inquiries, performs account maintenance and research/resolves client problems.
• Executes client transactions within delegated authority or applicable department guidelines, escalating to the assigned Relationship Manager (RM) any requests outside specified norms or items requiring Relationship Manager signature or approval.
• Transactions may include transfers, withdrawals, distributions, payments, fee waivers/fee refunds, client overdrafts, monitoring reports, and other loan and account operations requested by clients.
• With limited direction, assists in obtaining necessary information to submit loan applications, such as financial statements, tax returns and business documentation. May also work with outside vendors, such as attorneys or title companies.
• Runs daily, weekly, monthly and quarterly reports. Reviews reports for accuracy and compliance and takes action to update systems or make other corrections.
• May assist with development and maintenance of procedures and training materials.
• With minimal direction, supports Commercial Relationship Manager with complex client relationship reviews and portfolio management.
• May reconcile client accounts, enter client financial data into databases, and monitor exceptions to company policies.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

High School diploma or equivalent and three plus (3+) years' banking experience required or equivalent combination of education and experience. Advanced understanding of credit products, bank systems and commercial lending. Exhibits a sophisticated understanding of applicable federal regulations, credit policy and bank policies and procedures.

OTHER SKILLS & REQUIREMENTS

Must demonstrate ability to work effectively in a fast paced, production environment and have strong organizational skills, time management skills and strong attention to detail. Strong interpersonal skills including oral and written communication and problem solving a must. Proficiency with personal computers and related software packages.

LANGUAGE SKILLS

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organizations.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, and percent and to draw and interpret bar graphs.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to talk, hear, stand, walk & use hands to finger, handle, or feel. The employee frequently is required to sit. The employee is occasionally required to reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

COMPENSATION & BENEFITS

We offer a competitive total compensation package including base salary and benefits. The pay range for this position is $23.61 to $35.42 per hour in CO and depends on a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills and experience, education, and geographic location. Benefits include, but are not limited to, medical, dental, vision, short- term and long-term disability benefits and life insurance, flexible spending accounts, health savings account, employee assistance program, 401(k), Paid Time Off (new hires accrue at .069 per hours worked which equates to approximately 18 days per year inclusive of paid sick time) and up to 11 paid Federal holidays. For more information regarding our benefits, please visit https://www.firstinterstatebank.com/company/about/employee-benefits.php .

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