Commercial Banking Representative II

This position is located at our Clive, IA University Ave. branch or Fort Dodge, IA Downtown branch.
Generous Paid Time Off (PTO) in addition to paid federal holidays.
Child Care Assistance Program for eligible dependent(s).
Exercise reimbursement program for employees.
Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.
The Commercial Banking Representative II functions as a primary contact between commercial banking clients and the Bank, and assists Commercial Relationship Managers with servicing the client, for all loan types including large and complex loan portfolios. Develops working knowledge of assigned area and accounts through frequent client contact and execution of standard procedures. Essential duties are performed individually with limited supervision required.
Responds to client account inquiries, performs account maintenance and researches/resolves client problems.
Transactions may include transfers, withdrawals, distributions, wire transfers, payments, fee waivers/fee refunds, client overdrafts, monitoring reports, and other loan and account operations requested by clients.
Assists in obtaining necessary information to submit loan applications, such as financial statements, tax returns and business documentation. May also work with outside vendors, such as attorneys or title companies, UCC searches, title work, OFAC Environmental Reports, appraisals, and flood determinations. to request documents needed for loan requests, when applicable.
Specializes in loan documentation and ensures accuracy in loan documents and legal loan file. To include reviewing documents, organizing legal loan documents, and supporting information, and accuracy in digital records.
Prepares and/or reviews client account documents for meetings between the RM and the client, focusing on completion of signatures, accuracy, and fulfillment of standard regulatory and compliance guidelines.
Submits complete and accurate requests for documentation in accordance with the loan approval, ensuring all appropriate supporting documents are available in Director/Unity Client, including but not limited to loan approval, Borrower, Guarantor, and Grantor entity documents, collateral reports, and all other information necessary to generate loan documents.
Supports commercial relationship managers and group managers with review and certification of; legal entity validation (dba, partnership, S-Corp, C-Corp, LLC, and trusts), real estate collateral documentation (title commitment, environmental reports, hazard insurance, and appraisals), UCC and titled collateral validation.
Supports commercial relationship managers and group managers with treasury and deposit products in partnership with internal bank Treasury, Retail Banking teams and other business line referral programs including payment and wealth products.
Actively ensures compliance with the Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies and procedures. Actively participates in any required corporate and business line training in these areas. Actively works with clients to understand each client’s normal account activity, as appropriate for this position.
Maintains working knowledge of all regulatory, legal, and Credit Policy requirements to ensure all applications, documentation and loan accounts are compliant.
Participates in internal and external training to maintain knowledge of Bank products; attends operational and exception meetings and keep abreast of all credit policies and changes.
Maintains positive working relationship with peers and other business unit team members.
May reconcile client accounts, enter client financial data into databases, and monitor exceptions to company policies.
Maintains a thorough knowledge of key software systems and other Loan Operating Systems.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Advanced understanding of credit products, bank systems and commercial lending.
Exhibits a sophisticated understanding of applicable federal regulations, credit policy and bank policies and procedures.
Proficiency with personal computers and related software packages.

High School Diploma or General Education Degree (GED) required
~4-6 years banking experience and/or equivalent combination of education and experience required

In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.
Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently
Overtime - Subject to business need