Commercial and Private Banking Associate



Commercial and Private Banking Associate


Position Summary:

This position reports to the Commercial and Private Banking Officer or Senior Commercial and Private Banking Officer/Market Leader and is responsible for managing the loan and deposit portfolio developed by the officer as well as assisting others in the department, including the Commercial and Private Banking Officers and Manager. 

 Essential Functions:

·         Manage customer portfolios.

·         Maintain customer confidentiality at all times. 

·         Provide departmental coverage as it relates to phone and walk-in clients to assist with banking and loan needs.

·         Assist clients in opening new accounts, and identify sales opportunities for other banking products and services, based on client needs.  

·         Be well versed on all banking products to answer client questions, and explain available services.

·         Contact clients with maturing CD’s to ensure retention.

·         Investigate electronic banking issues and provide assistance, if possible, or refer to appropriate bank personnel for correction. 

·         Adhere to all bank policies and compliance standards.

·         Assisting others in department with workflow as deemed appropriate by manager.

·         Manage daily overdrafts for department and make recommendations to officer for disposition, depending on position level.

·         Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.

·         Assist with or handle the preparation of all materials needed to initiate lending transactions.

·         Complete and retains all compliance-related documents, especially as related to flood, RESPA, HMDA and all other regulatory requirements.

·         Assist with or manage and clear exceptions, depending on position level.

·         Assist with or manager past due loans, depending on position level.

·         Run credit reports.

·         May prepare loan vouchers and supporting documentation to present loan package for approval.

·         May attend loan closings to represent Resource Bank.

·         Sign official checks, depending on position level.

·         Analyze and make recommendation for lending below certain amounts, depending on position level.

·         Administrative support as directed by Officer.

·         Responsible for marketing Resource Bank in the public arena through personal and professional contacts.

·         Other duties necessary to maintain an efficient department.

·         All other duties assigned.

 Skills and Abilities:

·         Active Listening - Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

·         Speaking - Talking to others to convey information effectively.

·         Reading Comprehension - Understanding written sentences and paragraphs in work related documents.

·         Mathematics - Using mathematics to solve problems.

·         Critical Thinking - Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

·         Ability to multitask.

·         Ability to work independently.

·         Social Perceptiveness - Being aware of others' reactions and understanding why they react as they do.

·         Team Skills – strong ability to work in a team environment and reach goals collectively.


·         Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.

·         Oral Expression - The ability to communicate information and ideas in speaking so others will understand.

·         Speech Clarity - The ability to speak clearly so others can understand you.

·         Speech Recognition - The ability to identify and understand the speech of another person.

·         Near Vision - The ability to see details at close range (within a few feet of the observer).

·         Problem Sensitivity - The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.

·         Advancement Oriented – The willingness to learn and advance skills through education and training sessions.  

Experience and Education

Associates degree preferred but a combination of education and work experience will be considered.  High School Diploma (or GED or High School Equivalence Certificate) required.  Over 1 years of banking/lending support experience preferred.  Will consider previous branch banking experience as acceptable.

Resource Bank strives to be the “employer of choice”            EOE/Minorities/Females/Vet/Disabled

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