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