Commercial Client Service Associate I-III

Washington Trust Bank; Bellingham (WA); On-site; USD 56,000 - 108,000; Full time

Benefits offered by this job

Health benefits

Retirement plan

Job summary

Washington Trust Bank in Bellingham seeks a Commercial Client Service Associate to support Credit Analysts and Relationship Managers in loan documentation and client relationship administration. The role is based at the Bellingham Financial Center and requires collaboration with RMs to manage service and retention activities.

Responsibilities include processing and reviewing commercial loan document requests, maintaining tracking files, and ensuring timely, accurate information to support client

Qualifications

• Strong knowledge of business unit's functional areas, such as documentation and processing requirements within Trust administration, corporate lending, commercial/residential real estate lending, or private banking.
• Accurate keyboarding skills and extensive knowledge of business software programs, including word processing (Microsoft Word), spreadsheet (MS Excel) and database (Access) applications.
• Strong knowledge of bank software applications to assist clients with inquiries regarding balances, payments, and miscellaneous account information.

Responsibilities

• This role will be primarily responsible for loan documentation, ordering loan documents, collecting financial statements, scrubbing files for audit information, and correcting findings as part of account set-up and maintenance.
• Prepare requests for new and renewal note and documentation packages as directed by officers, following through to closing until file is complete. May assist with or perform financial analysis as directed.
• Maintain activity/tracking files for each officer to ensure proper receipt of information required to maintain portfolios in a current status. (Items may include financial statements, borrowing base reports, deeds, etc.)
• Partner with RMs to successfully manage and oversee all ongoing service and retention activities, acting as the primary contact for these relationships where possible.
• Provide RMs with prompt, timely, and accurate information as needed to support client relationships and the overall goals of the department and bank.

Skills

Documentation & processing knowledge

Interpersonal skills

Prioritize work

Team collaboration

Tools

Microsoft Word

Microsoft Excel

Microsoft Access

Job description

In a team environment, supports the job activities of Credit Analysts and partners with Relationship Managers (RMs) in the Commercial Banking Group, assisting with the administration of client relationships, including processing and reviewing commercial loan document requests. Provides administrative and/or analytical support and assists with administrative functions to allow team members additional time for credit analysis duties. Provides professional service to internal clients by acting as a liaison among Credit Analysts, Relationship Managers, and other departments.

Location: Bellingham Financial Center - 2210 Rimland Dr Suite 101 Bellingham, WA 98226

Essential Functions

• This role will be primarily responsible for loan documentation, ordering loan documents, collecting financial statements, scrubbing files for audit information, and correcting findings as part of account set-up and maintenance.
• As applicable, prepare requests for new and renewal note and documentation packages as directed by officers, following through to closing until file is complete. May assist with or perform financial analysis as directed.
• Maintain activity/tracking files for each officer to ensure proper receipt of information required to maintain portfolios in a current status. (Items may include financial statements, borrowing base reports, deeds, etc.)
• Partner with RMs to successfully manage and oversee all ongoing service and retention activities, acting as the primary contact for these relationships where possible.
• Solve problems in a timely and accurate manner, handling urgent and confidential matters in a mature, professional manner to ensure continued goodwill.
• Provide RMs with prompt, timely, and accurate information as needed to support client relationships and the overall goals of the department and bank.
• Assist with outside calls by preparing prospect letters, ordering pertinent background financial information, scheduling meetings, etc.
• Evaluate and route incoming mail. Read correspondence/memos directed to officers, handling those items of a routine nature independently.
• Supports the client relationship strategy by developing effective tactics in managing the relationship portfolio; coordinates daily workflow to ensure that current portfolios are in complete conformity with terms.
• Act as liaison between assigned business unit and other product areas of the bank.
• Work with accounting and other administrative computer systems for research, report generation, and check generation.
• May prepare inventory and/or disposition schedules of trust and estate property; reviews daily transaction sheets and makes adjustments when necessary.
• May be responsible for quarterly construction loan reports, loan fee reports, commercial loan/residential real estate loan documents, appraisal ordering, timely collection of fees, and tracking past due property taxes. Initial contact with clients required. May also close new or renewed loans, occasionally at the client's place of business.
• Prepare applicable portions of Credit Authorizations on current clients for lending relationships. Provide transcription of comments, letters, memos, waivers and Credit Authorizations.
• Perform compliance and risk management duties as required or assigned.
• Regular, reliable attendance is required.

Qualifications

• Strong knowledge of business unit's functional areas, such as documentation and processing requirements within Trust administration, corporate lending, commercial/residential real estate lending, or private banking. Specific knowledge of various documentation (Deeds of Trust, Mortgages, Notes, Guarantees, etc) may also be required.
• Accurate keyboarding skills and extensive knowledge of business software programs, including word processing (Microsoft Word), spreadsheet (MS Excel) and database (Access) applications.
• Strong knowledge of bank software applications to assist clients with inquiries regarding balances, payments, and miscellaneous account information.
• Ability to prioritize work projects.
• Strong interpersonal skills to work collaboratively with diverse groups of people and in a team environment.
• Knowledge of bank products and services.

Compensation

Commercial Client Service Associate I: $26.87 to $40.33 per hour
Commercial Client Service Associate II: $29.26 to $43.88 per hour
Commercial Client Service Associate III: $34.61 to $51.92 per hour

The compensation range represents the low and high end of the base compensation range for this position located in Bellingham, Washington. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. This position is also eligible to participate in an applicable annual bonus.

What Our Culture Can Offer You

Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee. Our benefits include Health, Financial, Retirement and Work/Life Benefits. We are proud to share an overview of our benefits HERE as part of your total compensation.

Washington Trust Bank celebrates diversity in the workplace and actively recruits talent to help reflect the unique communities where we live and work. We are proud to be an equal opportunity employer and prohibit discrimination or harassment based on race, religion, sex, gender identity, sexual orientation, national origin, age, pregnancy, disability, genetic information and any other protected characteristics outline by state, federal and local laws. We believe strength comes from the diverse backgrounds and experiences of our team, and we are dedicated to fostering a supportive and inclusive work environment.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.