Commercial Banking Representative III

Job Description **If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal .

This position may be located at our Cedar Rapids, IA or North Liberty, IA or Sioux Falls Downtown, SD branch.

What’s Important to You
We know your career is just one aspect of a meaningful, complex, and demanding life. That’s why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it.

We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.

SUMMARY
The Commercial Banking Representative III functions as a primary contact between commercial banking clients and the Bank and assists Commercial Relationship Managers with servicing the client, for the most complex loan portfolios. Responsible for maintaining and expanding the relationship with clients by providing overall client support services; working proactively to identify potential problems and compliance issues; and developing a working knowledge of assigned area and accounts through execution of standard departmental procedures. Essential duties are performed individually with minimal supervision required.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Handles day-to-day client calls, client transactions, and client problem resolution. Responds to client account inquiries, performs account maintenance and researches/resolves client problems.
• Executes client transactions within delegated authority or applicable department guidelines, escalating to the assigned Relationship Manager (RM) any requests outside specified norms or items requiring Relationship Manager signature or approval. 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.
• 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.
• Assists in obtaining necessary information to process loan applications, such as financial statements, tax returns, business documentation, UCC searches, title work, OFAC Environmental Reports, appraisals, and flood determinations. Work with outside counsel, title companies, other product vendors, etc. to request documents needed for loan requests, when applicable.
• 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.
• Generates or obtains daily, weekly, monthly and quarterly reports as assigned. Reviews reports for accuracy and compliance and takes action to update systems or make other corrections. Adheres to specific reporting procedures when available.
• Maintains thorough knowledge of all regulatory, legal, and Credit Policy requirements to ensure all applications, documentation and loan accounts are compliant.
• Reconciles client accounts, enters client financial data into databases, and monitors exceptions to company policies.
• Provides mentorship, support, and back-up for all positions in the Department as needed.
• Assists management in deployment of new or existing programs/procedures, providing positive leadership through change.
• Maintains a thorough knowledge of key software systems and other Loan Operating Systems.
• 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. Understands and follows internal suspicious activity referral requirements and processes, as required for this position. Actively works with clients to understand each client’s normal account activity, as appropriate for this position.

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS AND ABILITIES

• Advanced understanding of credit products, bank systems and commercial lending.
• Advanced knowledge of applicable federal regulations, credit policy and bank policies and procedures.
• Ability to work effectively in a fast-paced production environment.
• Strong organizational skills, time management skills and strong attention to detail.
• Strong leadership and problem resolution skills.
• Demonstrated ability to self-start.
• Confirmed history of producing a quality work product.
• Ability to work effectively with individuals and groups across the company to manage client relationships.
• Proficiency with personal computers and related software packages such as Word and Excel.

EDUCATION AND/OR EXPERIENCE

• High School Diploma or equivalent required
• 4-6 years Commercial loan related banking experience required
• Experience with department-specific systems preferred

PHYSICAL DEMANDS AND WORKING ENVIRONMENT
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. 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
• Sitting - Frequently
• Standing - Occasionally
• Noise Level - Moderate
• Typical Work hours - M-F (8-5)
• Regular and Predictable Attendance - Required

**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal .