Hybrid Business Banking Specialist 1 bei MidCountry Bank

The pay range represents the anticipated base pay for this position.  Actual pay will be based on factoring including, but not limited to: market data, internal equity, skillset and knowledge, experience, education and overall qualifications for the role. 

JOB SUMMARY

The Business Banking Specialist (BBS) plays a critical role in providing MidCountry Bank’s external and internal customers with professional and positive customer experience.  The BBS serves as a liaison, facilitating interactions between customers, bankers, and other internal partners to ensure prompt and error-free responses, consistent communication, and a satisfying/positive experience.  

JOB RESPONSIBILITIES  

1.Customer Service

• Support team of bankers and provide appropriate administrative support
• Provide excellent customer service to external customers in the team’s portfolio regarding any account related issues or request

2. Loans: 

Pre-Approval 

• Work with team to draft correspondence, letters, and forms
• Create customer files, following a consistent approach

• Collaborate with bankers in contacting customers to gather items needed to prepare a complete application for submission (financial information, purchase agreements, invoices, corporate documents etc.)

• Gather required information needed for the loan approval process
• Order UCC and flood searches are ordered and communicated with the Credit department
• Submit applications, with other necessary documentation, to the Credit department

• During the underwriting and pre-closing phase, collaborate with bankers, Credit department, and customers to clear underwriting exceptions by correcting errors, gathering missing information, etc.

Post-Approval

• Assist collecting due diligence items
• Manage each loan file to ensure everything needed is received prior to closing.
• SBA:    Ensure customers are aware of what is needed to close. Utilize the SBA checklist to ensure all due diligence items are collected prior to the loan closing.  Complete ETRAN submission.

Pre-Closing

• Gather OFAC and any other information needed
• Review and submission of loan documentation requests to Loan Operations, including Adverse Action, with a high level of accuracy
• Serve and the liaison for scheduling the closing between the banker and customer.  Engage the title company when necessary.
• Coordinate loan closings and attends when needed

Post-Closing and Maintenance

• Work with customers and bankers to initiate and process funding requests and wire transfers to customer bank accounts.
• Follow up with bankers and customers on any outstanding items
• Create and process ticklers and covenants
• Obtains loan payoffs for customers and advise on paid loan file processing
• Submit closed loan packages to Loan Operations to facilitate funding a loan
• Follow up on Quality Control issues and correct document deficiencies with bankers as needed
• Follow up as needed with title companies to obtain perfected collateral documents timely
• Image all loan documents and financial information in Abrigo and export to Director

Assists with Portfolio and Credit Administration

• Verify credit files are accurate and complete throughout life of relationship
• Review UCC 1 continuations and insurance renewals
• Utilizes Abrigo to provide assigned bankers with pipeline, portfolio, production and credit information
• Collaborate with Banker on upcoming loan maturities and contacts customers to request financial and other information
• Assists in clearing ticklers (including past due financial information), post-closing exceptions, and trailing documents ticklers, covenant ticklers, and performs other monitoring as needed

3. Deposit Support

• Gather items needed to open commercial depository accounts for assigned bankers and act as a liaison with Cash Management, Branch, and Deposit Operations teams to facilitate the depository process
• Work as a liaison between customers and internal experts on fraud, overdrafts, wire, and other depository issues
• Answer general deposit account questions and support maintaining deposit accounts, working with customers and internal partners as needed

4. General Support

• Act as primary point of contact for customers’ commercial banking issues, including referring customers to business partners
• To ensure superior customer service, service customers by addressing complex questions and resolving issues by seeking to identify its cause and work collaboratively with the relevant bank partners
• Provide back-up support to other team members
• Perform ongoing loan and deposit maintenance and monitoring, complying with established MCB credit policy and procedures and legal and regulatory requirements
• Represent bank at various community activities as needed

JOB REQUIREMENTS

Education-

Experience- 

SCHEDULE

This position is scheduled to work 40 hours per week from 8:30 am to 5 :00 pm. The Company reserves the right to change the schedule as required for business needs.  

BENEFIT INFORMATION

Our Team Members enjoy a comprehensive benefits package, including:

• Health Insurance with two medical plan options as well as dental and vision options.
• Employer matched 401(k) plan.
• Company-paid life insurance, AD&D and short and long-term disability.  Team members can also purchase additional life and AD&D insurances.
• Paid Time Off and all Federal holidays observed.

MidCountry Bank is an equal opportunity employer and does not discriminate against otherwise qualified applicants on the basis of race, color, creed, religion, ancestry, age, sexual orientation, marital status, national origin, disability or handicap, veterans status, genetic information or gender identity. MidCountry Bank is an EEO/AA Employer.