Commercial Banking Representative III

First Interstate Bank; Denver (CO); On-site; USD 39,000 - 60,000; Full time

Benefits offered by this job

Medical, dental, vision

401(k)

Paid time off

Discretionary bonuses

Job summary

First Interstate Bank is seeking a Commercial Banking Representative III in Denver to serve as a primary contact for commercial banking clients and assist Relationship Managers with servicing complex loan portfolios.

Responsibilities include handling client calls and transactions, preparing documentation for RM meetings, and ensuring compliance with regulatory guidelines. The role emphasizes proactive problem resolution and strong knowledge of bank systems.

Qualifications

• Advanced understanding of credit products, bank systems and commercial lending.
• Advanced knowledge of applicable federal regulations, credit policy and bank policies and procedures.
• Strong organizational and time-management skills with attention to detail.

Responsibilities

• Handles day-to-day client calls, client transactions, and problem resolution.
• Responds to client inquiries, performs account maintenance, and researches issues.
• Executes transactions within delegated authority or with RM approval, including transfers and wire transfers.
• Prepares documents for RM–client meetings, ensuring signatures and compliance.
• Assists in collecting information for loan applications (financials, tax returns, etc.).
• Maintains knowledge of key software and loan operating systems.
• Ensures compliance with ethics and AML/Bank Secrecy Act requirements.

Skills

Credit products knowledge

Bank systems

Regulatory knowledge

Problem resolution

Client relationships

Leadership

PC proficiency

Self-starter

Education

High School Diploma or equivalent

Tools

Word

Excel

Job description

SUMMARY

The Commercial Banking Representative III functions as a primary contact between commercial banking clients and the Bank and assists Commercial Relationship Managers with servicing the client, for the most complex loan portfolios. Responsible for maintaining and expanding the relationship with clients by providing overall client support services; working proactively to identify potential problems and compliance issues; and developing a working knowledge of assigned area and accounts through execution of standard departmental procedures. Essential duties are performed individually with minimal supervision required.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Handles day-to-day client calls, client transactions, and client problem resolution.
• Responds to client account inquiries, performs account maintenance and researches/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, wire transfers, payments, fee waivers/fee refunds, client overdrafts, monitoring reports, and other loan and account operations requested by clients.
• Prepares and/or reviews client account documents for meetings between the RM and the client, focusing on completion of signatures, accuracy, and fulfillment of standard regulatory and compliance guidelines.
• Assists in obtaining necessary information to process loan applications, such as financial statements, tax returns, business documentation, UCC searches, title work, OFAC Environmental Reports, appraisals, and flood determinations.
• Work with outside counsel, title companies, other product vendors, etc. to request documents needed for loan requests, when applicable.
• Submits complete and accurate requests for documentation in accordance with the loan approval, ensuring all appropriate supporting documents are available in Director/Unity Client, including but not limited to loan approval, Borrower, Guarantor, and Grantor entity documents, collateral reports, and all other information necessary to generate loan documents.
• Generates or obtains daily, weekly, monthly and quarterly reports as assigned. Reviews reports for accuracy and compliance and takes action to update systems or make other corrections. Adheres to specific reporting procedures when available.
• Maintains thorough knowledge of all regulatory, legal, and Credit Policy requirements to ensure all applications, documentation and loan accounts are compliant.
• Reconciles client accounts, enters client financial data into databases, and monitors exceptions to company policies.
• Provides mentorship, support, and back-up for all positions in the Department as needed.
• Assists management in deployment of new or existing programs/procedures, providing positive leadership through change.
• Maintains a thorough knowledge of key software systems and other Loan Operating Systems.
• Actively ensures compliance with the Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies, and procedures.
• Actively participates in any required corporate and business line training in these areas.
• Understands and follows internal suspicious activity referral requirements and processes, as required for this position.
• Actively works with clients to understand each client’s normal account activity, as appropriate for this position.

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.

KNOWLEDGE, SKILLS AND ABILITIES

• Advanced understanding of credit products, bank systems and commercial lending.
• Advanced knowledge of applicable federal regulations, credit policy and bank policies and procedures.
• Ability to work effectively in a fast-paced production environment.
• Strong organizational skills, time management skills and strong attention to detail.
• Strong leadership and problem resolution skills.
• Demonstrated ability to self-start.
• Confirmed history of producing a quality work product.
• Ability to work effectively with individuals and groups across the company to manage client relationships.
• Proficiency with personal computers and related software packages such as Word and Excel.

EDUCATION AND/OR EXPERIENCE

• High School Diploma or equivalent required 4-6 years Commercial loan related banking experience required Experience with department-specific systems preferred

PHYSICAL DEMANDS AND WORKING ENVIRONMENT

The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer. Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently Sitting - Frequently Standing - Occasionally Noise Level - Moderate Typical Work hours - M-F (8-5) Regular and Predictable Attendance - Required

COMPENSATION & BENEFITS

We offer a competitive total compensation package including base salary and benefits. The anticipated pay range for this position is $28.19 to $43.74 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. Additionally, this role is eligible to receive annual discretionary cash bonuses. Benefits available for this position 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

EEO/DEI

First Interstate Bank is an equal opportunity employer committed to a diverse workforce and a barrier-free employment process. Employment is based solely on an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, or any other characteristics protected by law. We make all reasonable accommodations to meet the obligations set forth under the Americans with Disabilities Act (ADA) and state disability laws. In order to ensure reasonable accommodations for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Era Veterans' Readjustment Assistance Act of 1974, and Title I of the Americans with Disabilities Act of 1990, as amended, individuals that require accommodation in the job application process for a posted position may contact us Monday through Friday, 8 am to 5 pm MST at [e-mail]. All applicants must pass pre-employment screenings including a background check. First Interstate BancSystem participates in E-Verify which will require new employees to verify their identity and employment eligibility through the internet-based system operated by the Social Security Administration (SSA) and the Department of Homeland Security (DHS). E-Verify Notice English or Spanish Right to Work Notice English or Spanish