Commercial Relationship Associate

This position supports a portfolio of customers and internal partners. This position gathers information/required documentation for commercial deposit account requests ranging in complexity from Commercial Bankers, Private Bankers, Bell Capital Finance, Commercial Real Estate and/or Treasury Management Sales. This position performs account-opening follow-up with commercial customers, assists customers with day-to-day commercial account concerns, and works with internal partners to complete commercial deposit account maintenance requests. This position will research and problem-solve issues from both internal and external customers to provide customer service as needed.

 

Primary Duties

Commercial Account Opening & Maintenance

• Assist with normal to complex account opening & maintenance requests from assigned portfolio of Commercial Bankers, Private Bankers, Bell Capital Finance, Commercial Real Estate, Treasury Management Sales, and/or from customers directly.
• Develop and build relationships with assigned portfolio of commercial customers, offering to be an additional point of contact to help navigate through day-to-day concerns, questions, and service needs.
• Develop and maintain a solid understanding of the bank/regulatory processes (BSA/AML) for Bell Bank and execute account openings and maintenances requests within the appropriate guidelines, at the direction of our Compliance, Legal and BSA/AML/Risk Teams.
• Perform follow-up with commercial customers, to ensure high level of satisfaction with their deposit account opening, maintenance, and/or service requests.
• Work with other departments to ensure customer needs are met for additional services, such as Business Online Banking, Credit Accounts, Treasury Management, Sweeps, etc.
• Serve as support for the other CRS team members in all regions, assisting in decision making based on internal policies and procedures.
• Provide mentorship and training opportunities to the Commercial Relationship Support I
• Act as a Subject Matter Expert (SME) to provide the deepest level of understanding and navigation for the entire CRS Team.

 

Establishing, Monitoring and Maintaining Commercial Deposit Customers

• Set up or maintain customer records on all applicable systems for all new and existing relationships.
• Set up or maintain the relationships as required for the Bank Secrecy Act.
• Set up, maintain and delete task ticklers as required on applicable system for all onboarding/maintenance requirements.
• Ensure that all customer due diligence is imaged and entered where applicable.
• Notify/communicate to Commercial Banking/Treasury Management Sales when customer onboarding/maintenance is complete.
• Collect/process/complete the below documents, making sure they are accurate, timely and executed correctly (if applicable):
  • Business Information Sheet
  • Business Verafin Questionnaire
  • Signature Card
  • Certification of Beneficial Ownership form (CBO)
  • Treasury Services Resolution
  • Deposit Account Control Agreement (DACA)
• Provide outstanding customer service while assisting internal and external commercial customers throughout the onboarding process, as well as service needs post onboarding as needed.
• Provide subject matter expertise relating to commercial deposit account opening functions, customer due diligence, and commercial deposit account functionality.
• Assist with CRS communications, including responding to incoming telephone calls, electronic mail, and voice mail.
• Perform testing of any system updates, releases, or enhancements that will affect the CRS team.
• Partner with leadership to develop, maintain and ensure procedures are current.
• Continually review existing processes, test new processes and continually identify improvements.
• Partner with the appropriate departments to research and resolve questionable matters for clients.
• Provide support and assistance, and other related duties as assigned, in support of the daily functions of the CRS team.
• Participate in internal and external training to maintain knowledge of bank products, regulations, and other appropriate training as required.
• Identifies channels of escalation when and where necessary, maintain good communication with BSA/AML and the Legal Department.

 

Bell Bank Culture, Policy and Accountability Standards:

• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Custo