Wholesale Relationship Specialist III

Atlantic Union Bank; Rockville (MD); On-site; USD 75,000 - 110,000; Full time

Job summary

Atlantic Union Bank is seeking a Relationship Specialist III in wholesale banking. This role supports client relationships, collaborates with Relationship Managers, credit portfolio, treasury, and loan services to originate and service loans and deposits in assigned portfolios.

You will manage daily client requests, perform due diligence, and ensure accurate documentation while promoting a high-quality banking experience and regulatory compliance across functions.

Qualifications

• Minimum five years of commercial or consumer banking experience.
• One to three years of commercial loan and deposit experience.
• High school diploma or equivalent; college degree preferred.

Responsibilities

• Respond to daily client requests and inquiries promptly, researching and resolving issues per Bank policies.
• Identify potential problems or compliance concerns to safeguard customer relations.
• Ensure compliance with BSA/AML and loan/deposit origination policies.
• Open, service, and maintain wholesale deposit accounts per regulations.
• Maintain knowledge of Treasury Management products related to receivables, payables, and liquidity.
• Monitor NSF and unposted transaction reports and coordinate timely postings.
• Process loan payments, advances, transfers, and stop payments.
• Gather and file financial statements and related documents.
• Coordinate due diligence items like lien searches, flood certs, appraisals.
• Complete due diligence to ensure quality account documentation.
• Collect KYC/AML information including organizational docs and OFAC checks.
• Coordinate loan documents with Centralized Doc Prep and ensure accuracy before closing.
• Handle internal/external loan closings with counsel and title companies.
• Fund and board loans; prepare loan packages for imaging/records.
• Prepare tickets, OTEs, and wire transfers as needed.
• Assist in management of construction/development loans and draw requests.
• In CRE, assist with Builder Lines of Credit management.
• Maintain knowledge of specialized loans (asset-based, SWAPs, participations).
• Assist with reporting and clearing loan/deposit exceptions.
• Prepare payoff quotes and coordinate collateral releases.
• Assist with client presentation materials.
• Maintain CRM data integrity and accurate source system accounts.
• Mentor junior specialists and support training.
• Complete required training on time; back-up for others.
• Promote diversity, equity, inclusion, and Atlantic Union Bank culture.
• Perform other duties as assigned.

Skills

Customer service

Problem solving

Time management

Communication skills

Organizational skills

Loan documentation knowledge

CRM proficiency

Microsoft 365

Title policies knowledge

Real estate collateral

UCC search understanding

Education

High school diploma or equivalent

College degree preferred

Job description

The Relationship Specialist III responsibilities include a variety of commercial banking support activities as an essential contributor to the success of the Wholesale Banking Line of Business. Team members in this role directly interact with Wholesale Banking clients and closely collaborate with Wholesale Banking Relationship Managers, Credit Portfolio Managers, Treasury Management, Loan Services, and other bank personnel to efficiently originate and service loans and deposit accounts in the assigned portfolio(s). Additionally, the Relationship Specialist implements and facilitates client relationship management tasks to ensure a consistently high-quality banking experience.

Position Accountabilities

• Manages and responds to daily incoming client requests and inquiries in a timely and professional manner. Performs necessary research and maintenance to provide or facilitate solutions, and if applicable, logs and resolves customer complaints and dissatisfactions in accordance with Bank policies and procedures.
• Works proactively to identify potential problems and/or compliance concerns to maximize customer satisfaction and encourage relationship expansion.
• Executes and adheres to all federal and state regulations governing bank operations including BSA/AML requirements, as well as the Bank's loan and deposit origination, documentation, and administration policies and procedures. Exercises discretion and ensures confidentiality of all customary and proprietary materials and data.
• Opens, services, and maintains wholesale deposit accounts in adherence to state and federal regulations and Bank policies and procedures.
• Maintains a working knowledge of the Bank's Treasury Management products and services as they relate to receivables, payables, fraud prevention, and liquidity.
• Monitors daily non-sufficient funds and unposted transaction reports, obtains necessary approvals and processes decisions, and communicates with clients and Bank personnel to facilitate timely and accurate postings.
• Processes payments and advances on loan accounts and transfers and stop payments on deposit accounts.
• Gathers, images, and files financial statements and documents as needed.
• Orders and/or requests pre-closing due diligence items including, but not limited to lien searches, flood certifications, business valuations, appraisals, and environmental reports. Ensures accurate completion of all required flood documentation.
• Completes detailed due diligence in accordance with associated regulatory requirements and bank policies and procedures to ensure quality account documentation and prevent exceptions.
• Collects information and/or documentation to comply with BSA/AML requirements for customer identification, customer due diligence, and beneficial ownership information including entity organizational documents, orders OFAC and Identity Verification searches, and completes associated quality assurance to ensure compliance with state and federal regulations and Bank policies and procedures.
• Works directly with Centralized Doc Prep to request internally prepared loan documents and ensures loan documents are reviewed for accuracy and completeness prior to closing, funding, and boarding of loans.
• Handles internal loan closings and coordinates external loan closings, to include engaging and working with Bank counsel, closing attorneys, and title companies, as applicable, throughout the loan document preparation and closing process.
• Funds and boards loans, to include reviewing requests for accuracy and preparing physical loan packages for imaging and record retention shipment.
• Prepares tickets, online transaction entries (OTEs), and wire transfers as needed.
• Manages and/or assists in the management of construction and/or development loans with oversight from the Construction Loan Specialists Group and Wholesale Banking Relationship Managers to update and maintain construction funding budgets, order inspections and title updates, and process draw requests.
• If in Commercial Real Estate, Relationship Specialists will assist in the management of Builder Lines of Credit, including but not limited to managing inventory and tracking allowable exposure based on the credit approval documents.
• Maintains a working knowledge of specialized loans, including but not limited to modified builder lines, asset-based loans, SWAPs, participations, syndications, loans to government contractors, and loans to government entities.
• Assists with reporting and clearing exceptions associated with loan and deposit accounts.
• Prepares loan account pay off quotes and coordinates collateral releases as applicable.
• Assists with the preparation of client presentation materials.
• Assists with maintaining data integrity for the CRM and other critical bank systems by facilitating accurate source system account assignments.
• May assist junior Relationship Specialists with reviewing loan documentation prior to closing.
• Assists with mentoring, coaching, and training new and existing Relationship Specialists.
• Completes all assigned training, including but not limited to compliance training, on or before the due date.
• Serves as a back-up for other Relationship Specialists to ensure a balanced workload.
• Promotes an environment that supports diversity, equity, inclusion, and belonging and reflects the Atlantic Union Bank brand and culture.
• Performs other duties as assigned.

Organizational Relationship

This position reports to either a Manager of Wholesale Support or a Group Leader, Wholesale Support

Position Qualifications

Education & Experience

• High school diploma or equivalent, college degree preferred
• Five plus years of commercial or consumer banking or industry related experience required
• One to three years of commercial loan and deposit experience required

Knowledge & Skills

• Exceptional customer service and problem-solving proficiency
• Superior time management
• Excellent oral, written, and interpersonal communication
• Very organized and detail oriented
• High level of proficiency in reading Title Policies and understanding of Real Estate Collateral
• High level of proficiency in reading and interpreting UCC lien and judgment search resultsAbility to prioritize and manage multiple priorities
• Flexible, able to adapt to change
• Ability to work independently as well as within a team environment
• Outstanding analytical skills
• First-rate computer skills relevant to Microsoft 365 Suite
• High level of proficiency in commercial loan documentation, including specialized loans, Master Title Policies and Master Deeds of Trust
• Working knowledge of banking software programs
• Experience with Construction Management software, bank loan documentation software, loan origination software, CRM platforms, Core bank applications, and business online banking platforms are preferred.
• Mentor experience is beneficial

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.

We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.

Equal Opportunity Employer

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.