Commercial and Private Banking Associate

Position Summary:

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

Essential Functions:

·         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.

·         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.

·         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.

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

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.

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