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

This position is located at our Red Oak or Oakland, IA branch. What's Important to You\nWe 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.\nChild Care Assistance Program for eligible dependent(s).\nExercise reimbursement program for employees.\nThe 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\nThe 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. Responsible for maintaining and expanding the relationship with clients by providing overall client support services. Works proactively to maximize client satisfaction and encourage expansion of the relationship. 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.

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.\nExecutes 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.\nAssists 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. May work with outside counsel, title companies, other product vendors, etc. to request documents needed for loan requests, when applicable.\nSpecializes 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.\nPrepares 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.\nSubmits 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.\nProvides complete packages to Loan Servicing for Boarding/Funding, ensuring appropriate GLs are credited for fees collected.\nEnsures all documentation is uploaded to Director/Unity Client timely, imaged files are complete.\nCreates ticklers in Credit Track in accordance with the loan agreement & guaranty requirements and assists Relationship Manager with obtaining required information to clear ticklers.\nSupports 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.\nSupports 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.\nActively 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.\nMaintains working knowledge of all regulatory, legal, and Credit Policy requirements to ensure all applications, documentation and loan accounts are compliant.\nParticipates 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.\nMaintains positive working relationship with peers and other business unit team members.\nGenerates 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.\nMay reconcile client accounts, enter client financial data into databases, and monitor exceptions to company policies.\nMaintains a thorough knowledge of key software systems and other Loan Operating Systems.

QUALIFICATIONS

\nTo 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.\nExhibits a sophisticated understanding of applicable federal regulations, credit policy and bank policies and procedures.\nAbility to work effectively in a fast-paced production environment.\nStrong organizational skills, time management skills and strong attention to detail.\nStrong interpersonal skills including oral and written communication.\nProblem solving skills.\nProficiency with personal computers and related software packages.

EDUCATION AND/OR EXPERIENCE

High School Diploma or General Education Degree (GED) required\n4-6 years banking experience and/or equivalent combination of education and experience required

PHYSICAL DEMANDS AND WORKING ENVIRONMENT

\nThe 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\nSitting
Frequently\nStanding
Occasionally\nOvertime
Subject to business need\nNoise Level
Moderate\nTypical Work Hours
M-F (8-5)\nRegular and Predictable Attendance
Required\n
If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.

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