ERIEBANK, Commercial Relationship Associate

Description

The purpose of this role is to introduce an aspiring lender to commercial banking and develop them into a commercial banker with a commercial book of business. Support commercial bankers during the due diligence and underwriting process. Assists in interviewing commercial loan applicants and reviewing applicants' information. Processes loan applications, maintains customer relationships including related consumer loan and deposits.

Below is a list of essential job functions. Additional responsibilities may be assigned in the position.

PROVIDE ENHANCED CLIENT SERVICE

Continually meet client and coworker expectations and established goals and objectives by serving clients and coworkers under the guidelines of Bank service standards. Discover needs, develop solutions, and implement plans to exceed client goals and expectations. Find a way to say yes! Respond to inquiries, maintain relationships, and resolve problems to provide an unforgettable banking experience.

FOSTER OUR CULTURE

Possess and display a positive approach in managing change, while demonstrating excellent communication skills through effective conversations and collaboration. Be the source of outstanding client and employee experiences by delivering client service standards and abiding by policies and procedures. Seek opportunities to support volunteerism in the local community's awareness events, increase the bank's outreach, and foster new business.

CRUCIAL DUTIES AND RESPNSIBILITES:

• Assist Lender with the Proposed Accommodation including completion of all sections of the approval.
• Prepare and submit in conjunction with the Lender loan proposals, the financial and collateral analysis, research data and indication of credit strengths and weaknesses for review and approval.
• Develop a relationship with the customers to be able to work with them directly to better understand the financial information and to guide them regarding the information needed by the Bank to make an informed credit decision.
• Assign an overall risk rating to the credit request.
• Participate in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, collateral and guarantors.
• Responsible for loan originations and growth, deposit gathering, fee income, and referrals.
• Meet established goals as outlined by senior management.
• Assist team with management of existing Commercial Banking portfolio including site inspections (based on Site Inspection schedule) and reviewing information for annual review.
• Utilize Loan Vantage to produce a quality loan presentation. This presentation will then be used for approval by the Commercial Banker, Senior Management, and/or Officers' Loan Committee. One is encouraged to proficiently know and use Loan Vantage. Process includes but not limited to for self-sourced and/or referred opportunities:
• Interviews applicant and requests specified information for loan application.
• Analyzing applicant's financial status, credit, and property evaluation to determine feasibility of granting loan. Works with credit analyst to assist with underwriting of loan proposal.
• Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation. Corresponds with or interviews applicant or creditors to resolve questions regarding application information.
• Compiles loan package and facilitates consultation of loan structure with applicant including fees, loan repayment options, and other credit terms.
• Approves loan within specified limits or refers loan to loan committee for approval.
• Ensures loan agreements are complete and accurate according to policy.
• Assures timely loan closing and funding activities.
• Ultimately responsible for the accuracy and completeness of the loan analysis and documentation. They should work closely with Credit Administration and Portfolio Managers to assure underwriting, documentation and funding activities are complete and timely. Also, will be held responsible for ensuring that documentation is accurate according to policy.
• Actively supervises portfolio, and works with borrowers when vital, to ensure prompt and timely repayment of loans and early detection of existing/potential problems.
• Exercise smart spending in accordance with policy, and timely submits all expense reports.
• Proudly represents the Bank in a professional manner and provides leadership/ community involvement in the market in which he/she resides and works.
• Report to the office every day. If they have an off-site meeting and will not be reporting that day, another member of the office team should be made aware.

Requirements

QUALIFICATIONS, EDUCATION, AND EXPERIENCE

To perform this job optimally, an individual is required to perform each crucial job requirement satisfactorily and a skills inventory is listed below. Bachelor's degree (B.A.) from four-year college or university: or one to two years related experience and/or training, or equivalent combination and experience. A background screening will be conducted. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

LANGUAGE SKILLS: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

TECHNOLOGY SKILLS: Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use. Prior experience or the ability to learn core transaction systems, and any other computer programs pertinent to performing job duties.

MATHEMATICAL SKILLS: 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. Knowledge in reading and interpreting financial documents required.

REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve meaningful problems involving several variables in a standardized situation.

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee frequently is required to stand and walk. The employee is occasionally required to reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match and profit-sharing program
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!
  
  Eligibility requirements apply.

CNB Bank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

https://mandatoryview.com/?LicenceId=5a7398f0-7edb-4cb7-a02b-518dcfa222fa&ProductType=IntranetLicense&SubType=PG