This position functions as the primary daily contact between SBA banking clients and the Bank, and assists Commercial Relationship Managers and other positions with servicing the client, for large and complex loan portfolios. This role is responsible for maintaining and expanding the relationship with clients by providing overall client support services while ensuring the Bank’s adherence to SBA loan program requirements. Works proactively to identify potential problems, compliance issues, and to maximize client satisfaction and encourage expansion of the relationship. Develops working knowledge of assigned area, including SBA programs, and accounts through frequent client contact and execution of standard departmental procedures.
ESSENTIAL DUTIES & RESPONSIBILITIES include the following; other duties may be assigned.
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. May draft letters to clients and handle special mailings.
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, loan payoffs, 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.
With limited direction, assists in obtaining necessary information to process loan applications, such as financial statements, tax returns, business documentation, credit reports, UCC searches, title work, appraisals and flood determinations. May also work with outside counsel, title companies, other product vendors, etc. to request documents needed for loan requests.
Preparation of loan documents in accordance with loan approval conditions through designated programs (SBA One, Laser Pro, etc) Responds to RM inquiries regarding the status of loans, loan documentation, client accounts, etc.
Completion of SBA fee payments and loan maintenance. Input of loan ticklers and management of loan closing conditions and post-closing maintenance.Reviews SBA and Bank reports for accuracy and compliance and takes action to update systems or make other corrections.
May attend operational and exception meetings and keep abreast of all credit policies and changes associated with overdrafts, wires, ACH service, check kiting, etc. Attend SBA training sessions and meetings to keep abreast of all SBA program updates and changes.
May quote rates on products/services, reconcile client accounts, enter client financial data into databases, and monitor exceptions to company policies.
Sets up/maintains client files and/or computer databases in compliance with all applicable company, business line, and department standards. Ensures that there is appropriate client account documentation and that client records are kept up-to-date. Maintains the security and integrity of all files/databases.
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.
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.
EDUCATION and/or EXPERIENCE
High School diploma or equivalent and three plus (3+) years’ loan related banking experience; strong and demonstrated client service and problem resolution skills. Developed word processing and spreadsheet skills and experience with department-specific systems preferred; 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.
Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries of complaints of clients, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.
Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
While performing the duties of this job, the employee is regularly required to talk, hear, stand, walk & use hands to finger, handle, or feel. The employee frequently is required to sit. The employee is occasionally required to reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds.
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
**If you are a current FIB employee, please apply through the Career Worklet in the Empl oyee Portal .