Relationship Specialist

TowneBank has a culture that:

• Has a commitment to exquisite service for our members that will lead to our ability to create a reasonable rate of return for our shareholders, a bright future for our dedicated bankers, and a leadership role for our bank in promoting the social, cultural, and economic well-being of our community.
• Embraces our hometown banking philosophy, where our family members, directors and employees are active volunteers, serving on numerous boards and donating their time and talents to local organizations.

Essential Responsibilities:

Loan Process:

• Process and close consumer and commercial loans in a prompt, accurate and efficient manner.
• Provide excellent service to our members and bankers.
• Input the loan request in loan summary and current system platform(s).
• Prepare Debt Summary (if applicable).
• Coordinate the collection of applicable business tax returns, business financial statements, personal financial statements, personal tax returns, credit reports, and credit monitoring required financials.
• Prepare request for Credit Analysis and forward package to Loan Administration.
• Communicate with Credit Analysis relating to any additional information required.
• Assist with compiling approval package for submission to approving/reviewing entity (i.e. Regional President, Executive Committee, Credit Review, Small Business Lending, etc.).
• Input all consumer/commercial loans.   
• Meet with members as requested for loan closings at the Bank.
• Review signed documents to assure the package is complete with proper signatures obtained.
• Package loan documents and required supporting documentations for transmittal to Loan Services, including applicable general ledger tickets and check copies.
• Following up and clearing all outstanding exceptions.
• Preparing loan payoff quotes upon request from members.
• Accepting loan payoff checks and preparing appropriate transaction tickets.
• Monitoring maturing loans/credit lines and coordinating the appropriate renewal.
• Monitoring weekly past due loan payments and update comments weekly for Officer.
• Monitoring maturing Letters of Credit and coordinating appropriate renewal process; collecting applicable fee.
• Meeting with Officers weekly to input and manage loan pipeline.
• Correcting any collateral exceptions on loans.

Deposit Process:

• Serving as the contact person for any member service assistance with assigned Officers’ portfolios.
• Processing requests for transfers of funds and other needs as they arise.
• Safeguarding member information and communications.
• Following up and clearing all outstanding deposit exceptions.
• Pulling reports for Officers as needed.
• Meeting with officers weekly to manage business development.
• Processing transfer requests.
• Processing wire transfers and stop payments.
• Decision overdrafts daily.
• Opening accounts for members.
• Assisting members with account research as needed.
• Coordinating the needs of members with appropriate departments and following up to ensure satisfaction of service.
• Assisting members with ordering checks, ATM/Debit cards and online banking enrollment.

• Assisting Officers with sales calls as requested.

Core Responsibilities:

• Adheres to applicable federal laws, rules, and regulations including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
• Other duties as assigned.

Minimum Required Skills & Competencies:

• Has a strong work ethic and is highly motivated to always deliver financial services and solutions with the highest ethical standards.
• Has the ability to work independently and as a team to make intelligent decisions using sound judgement.
• Demonstrates computer proficiency in Microsoft Office.
• Has strong verbal and written communication skills.
• Is supportive of team goals and initiatives.
• Ability to listen well and resolve member issues in a positive manner.
• Can multi-task on a daily basis and can learn new processes effectively.
• Is able to learn new product information and promote benefits to members.

Desired Skills & Competencies:

• Has 3 to 5 years of experience in banking.
• Previous experience in the following programs: LaserPro, Insight, BakerHill, CreditQuest

 Physical Requirements:

• Express or exchange ideas by means of the spoken word via email and verbally.
• Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time.
• Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation.
• Not substantially exposed to adverse environmental conditions.