Job Description
RESOURCEBANK Commercial Banking Assistant PositionSummary: This position reports to the assignedCommercial Banking Officer with responsibilities including assisting withand/or managing the loan and deposit portfolios developed by the officer. Provides administrative support and customerservice to the Commercial Banking customer base.
EssentialFunctions: - Maintain customer confidentiality at all times.
- Manage customer portfolios, depending on position level.
- Provide departmental coverage as it relates to phone and walk-in clients to assist with banking and loan needs.
- Manage daily overdrafts for the office and make recommendations to the officer for disposition. The CBA has overdraft authority to make the decision, depending on position level.
- Has the authority to release a hold on funds, allowing customer access to immediate availability.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Run credit reports.
- Administrative support as directed by officer.
- Ensures loan files and loan documents are complete and accurate according to policy.
- Prepare loan vouchers and supporting documentation to present loan package for approval.
- Analyze and make recommendation for lending below certain amounts.
- Uses independent judgment and decision making in carrying out the essential functions of the position.
- Signs official checks, if necessary.
- Assist with or handle the preparation of all materials needed to initiate lending transaction.
- Assist with or handle account openings and special services needed by customers.
- Orders inspections for construction or development projects from approved vendors
- Completes and retains all compliance-related documents especially as related to flood, RESPA, HMDA, and all other regulatory requirements
- Investigate electronic banking issues and provide assistance, if possible or refer to the appropriate bank personnel for correction.
- Assist the officer in the monitoring of matured and past due loans.
- Contact clients with maturing CDs to ensure retention
- May attend loan closings to represent Resource Bank.
- Responsible for marketing Resource Bank in the public arena through personal and professional contacts.
- May serve as liaison between customer and hired professionals (CPA) regarding confidential customer banking information, depending on position level.
- Other duties necessary to make the Commercial Banking Department run successfully.
- All other duties as assigned.
Skillsand 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.
- Time Management - Managing one's own time.
- Reading Comprehension - Understanding written sentences and paragraphs in work related documents.
- Speaking - Talking to others to convey information effectively.
- Mathematics - Using mathematics to solve problems.
Competencies: - Oral Expression - The ability to communicate information and ideas in speaking so others will understand.
- Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences.
- Speech Clarity - The ability to speak clearly so others can understand you.
- Written Comprehension - The ability to read and understand information and ideas presented in writing.
- Written Expression - The ability to communicate information and ideas in writing so others will understand.
- 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.
Experienceand Education: High school diploma or GED requiredwith preference given to a four-year college degree in business. Must have previous banking experience inRetail Banking, Private Banking, Loan Administration or Commercial Lending.
Resource Bank strives to be the employer of choice EEOMinorityFemaleVetsDisabled
Job Tags
Bank staff, Immediate start,