Commercial Operations Specialist

Third Coast Bank; Humble (TX); On-site; USD 46,000 - 62,000; Full time

Job summary

Third Coast Bank is seeking a Commercial Operations Specialist to support commercial customers through onboarding, implementation, and ongoing servicing. You will own assigned requests from intake to completion, communicating with customers and internal partners, coordinating documentation, product fulfillment, and digital access to deliver an accurate customer experience.

The role is cross-trained across onboarding and servicing and may assist with digital banking support as assigned.

Qualifications

• High school diploma or equivalent required; associate’s or bachelor’s degree preferred.
• One or more years of banking, deposit operations, commercial account opening, account servicing, digital banking support, treasury support, or related financial services experience preferred.
• Working knowledge of business entity documentation, CIP, beneficial ownership, commercial deposit products, account maintenance, and operational controls preferred.
• Strong customer service, communication, organization, problem‑solving, and attention‑to‑detail skills.
• Ability to manage multiple requests, meet deadlines, follow procedures, and work effectively across departments.
• Ability to learn and use banking systems, workflow or ticketing tools, digital banking platforms, and Microsoft Office applications.

Responsibilities

• Manage assigned commercial account opening requests from intake through activation and completion of related services.
• Communicate with customers and relationship teams regarding requirements, status, open items, and next steps.
• Review business entity documents, CIP, ownership, signer information, tax documentation for completeness and accuracy.
• Prepare and process commercial deposit account opening documentation per procedures and controls.
• Coordinate non-Treasury onboarding activities like debit cards, online banking access, and transfers.
• Coordinate introductions to Treasury Management when Treasury products are requested.
• Follow up after onboarding to confirm access, delivery, and service activation.
• Process account servicing requests including maintenance, signer changes, address updates, closures, and stop payments.
• Research and resolve customer questions and operational issues, owning the case until completion.
• Assist customers with online banking access, user maintenance, and password resets within authority.
• Monitor work queues, emails, tickets, and documentation to support service expectations.
• Maintain accurate customer records and evidence of completed work.
• Collaborate with Retail Banking, Treasury Management, Lending, and other internal partners to resolve requests.
• Support procedures, training, cross-training, testing, improvements, and special projects.
• Perform other duties as assigned.

Skills

Customer service

Communication

Organization

Problem-solving

Attention to detail

Education

High school diploma or equivalent

Associate’s or bachelor’s degree preferred

Tools

Banking systems

Workflow/ticketing tools

Microsoft Office

Job description

The Commercial Operations Specialist supports commercial customers throughout the deposit relationship lifecycle, from initial onboarding and implementation through ongoing account servicing. This role owns assigned requests from intake through completion, communicates directly with customers and internal partners, and coordinates the documentation, account setup, product fulfillment, digital access, and servicing activities needed to deliver an accurate and consistent customer experience. The position is cross-trained across onboarding and servicing functions and assists with digital banking support as assigned.

Essential Duties & Responsibilities

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Manage assigned commercial account opening requests from initial intake through account activation and completion of related services.
• Communicate directly with customers and relationship teams regarding account opening requirements, documentation needs, request status, open items, and next steps.
• Collect and review business entity documents, account opening information, CIP information, beneficial ownership information, signer information, tax documentation, and related records for completeness and consistency.
• Prepare and process commercial deposit account opening documentation in accordance with approved procedures, documentation standards, and internal controls.
• Coordinate non-Treasury implementation activities, including debit cards, checks, online banking access, account transfers, and other approved deposit services.
• Coordinate introductions and handoffs to Treasury Management when Treasury products or services are requested.
• Complete customer follow‑up after onboarding to confirm access, product delivery, service activation, and resolution of remaining items.
• Process commercial account servicing requests, including account maintenance, signer changes, ownership or entity updates, address changes, account closures, transfer requests, stop payments, research requests, and other approved maintenance.
• Research and resolve customer questions and operational issues, maintaining ownership until the request is completed or formally accepted by another department.
• Assist customers with business online banking access, user maintenance, password resets, and routine digital banking questions within assigned authority.
• Monitor assigned work queues, email requests, tickets, pending documentation, exceptions, and follow‑up items to support established service expectations.
• Maintain accurate customer records, request notes, supporting documents, and evidence of completed work.
• Identify and escal…
• Collaborate with Retail Banking, Treasury Management, Lending, Deposit Operations, Compliance, BSA, Fraud, and other internal partners to resolve requests and support consistent handoffs.
• Support department procedures, job aids, training, cross‑training, testing, process improvements, and special projects.
• Perform all other duties as assigned.

Supervisory Responsibility

This is not a supervisory role. The position may provide peer support, cross‑training, and procedural guidance within the scope of assigned responsibilities.

Job Type

This is a full‑time position. Typical work hours are Monday through Friday, 8:00am to 5:00pm.

Travel

Occasional local travel may be expected for this position. A current driver’s license, insurance, and reliable vehicle may be required for travel to other company locations for training, meetings, or team support. Mileage will be reimbursed according to company policy and current IRS guidelines.

Working Conditions & Physical Requirements

This position operates in a professional office environment. This position requires regular sitting, walking, standing, reading, seeing (including color, peripheral vision, depth perception, and adjusted focus), speaking, hearing, listening, organizing, interpreting data and information, operating office equipment, typing using a computer keyboard and mouse, viewing a computer screen monitor, and use of a telephone. The working environment consists of an indoor and climate‑controlled setting most of the time.

Education, Experience & Other Qualifications

• High school diploma or equivalent required; associate’s or bachelor’s degree preferred.
• One or more years of banking, deposit operations, commercial account opening, account servicing, digital banking support, treasury support, or related financial services experience preferred.
• Working knowledge of business entity documentation, CIP, beneficial ownership, commercial deposit products, account maintenance, and operational controls preferred.
• Strong customer service, communication, organization, problem‑solving, and attention‑to‑detail skills.
• Ability to manage multiple requests, meet deadlines, follow procedures, and work effectively across departments.
• Ability to learn and use banking systems, workflow or ticketing tools, digital banking platforms, and Microsoft Office applications.

Core Knowledge, Skills, & Abilities

Customer Ownership & Service – Owns assigned requests from intake through completion, communicates clear next steps, and provides timely, professional support to customers and internal partners.

Account Opening & Servicing Knowledge – Applies commercial account opening, documentation, implementation, and maintenance requirements accurately and consistently.

Risk Awareness & Escalation – Recognizes incomplete or inconsistent information, follows established controls, and escalates exceptions or risk concerns appropriately.

Organization & Follow-Through – Manages queues, documentation, open items, follow-ups, and competing priorities without losing ownership of the request.

Collaboration & Communication – Works effectively across Commercial Banking, Treasury Management, Retail Banking, Deposit Operations, Compliance, BSA, Fraud, and other support areas.