Commercial and Private Banking Associate

RESOURCE BANK

Commercial and Private Banking Associate

Position Summary:

This position reports to the Private Banking Assistant Manager and is responsible for servicing the needs of the Private Banking clients as well as assisting others in the department, including the Private Banking officers. 

Essential Functions:

·       Maintain customer confidentiality at all times. 

·       Manage customer portfolios.

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

·       Manage daily overdrafts for department and make recommendations to officer for disposition. 

·       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. 

·       Adhere to all bank policies and compliance standards.

·       Collect and compile financial information from clients in anticipation of loan renewals or exception clearing.  Obtain financial information in a timely manner, as determined by departmental workflow schedule. 

·       Assist others in department with workflow as deemed appropriate by Assistant Manager / Manager.

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

·       Run credit reports. 

·       Assist with the preparation of all materials needed to initiate lending transaction.

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

·       Have a basic understanding of financial statements and tax returns to interpret and compile financial information for loan underwriting.

·       Prepare all documents necessary to facilitate loan closings. (pre-closing and post-closing). Attend loan closings as needed.

·       May attend loan closings to represent Resource Bank.

·       Assist in the monitoring of matured and past due loans.

·       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 as 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.

Competencies:

·       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: 

High School Diploma (or GED or High School Equivalence Certificate) and over 2 years of banking (branch) experience. Lending/Loan experience is preferred. 

EOE/Minorities/Females/Vet/Disabled