Commercial Banking Representative III - First Interstate Bank

**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal. This position is located at our Sioux Falls, SD Downtown branch. What’s Important to You We 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. Accrue and use your paid time off (PTO) immediately – no waiting period – plus paid federal holidays in addition to PTO. To assist employees in paying down student loan debt, we will make monthly payments of $100 directly to eligible loan service providers on behalf of our employees until the loan is paid off. Our retirement plan is one of the best in the region, including a 6% employer match on your 401(k). Employees (including temporary) scheduled to work 20 or more hours per week are automatically enrolled day one. The 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 Functions as a primary contact between commercial banking clients and the Bank and assists Commercial Relationship Managers with servicing the client, for the most complex loan portfolios. Responsible for maintaining and expanding the relationship with clients by providing overall client support services; working proactively to identify potential problems and compliance issues; and developing a working knowledge of assigned area and accounts through execution of standard departmental procedures. Essential duties are performed individually with minimal supervision required. ESSENTIAL DUTIES & RESPONSIBILITIES include the following: other duties may be assigned. Handles day-to-day client calls, client transactions, and client problem resolution. Responds to client account inquiries, performs account maintenance and research/resolves client problems. Executes 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. Prepares 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. Assists in obtaining necessary information to process loan applications, such as financial statements, tax returns, business documentation, UCC searches, title work, OFAC Environmental Reports, appraisals, and flood determinations. Work with outside counsel, title companies, other product vendors, etc. to request documents needed for loan requests, when applicable. Submits 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. Generates 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. Adheres to specific reporting procedures when available. Maintains thorough knowledge of all regulatory, legal, and Credit Policy requirements to ensure all applications, documentation and loan accounts are compliant. Reconciles client accounts, enters client financial data into databases, and monitors exceptions to company policies. Provides mentorship, support, and back-up for all positions in the Department as needed. Assists management in deployment of new or existing programs/procedures, providing positive leadership through change. Maintains a thorough knowledge of key software systems and other Loan Operating Systems. Actively 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. QUALIFICATIONS To 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. EDUCATION and/or EXPERIENCE High School diploma or equivalent and five plus (5+) years’ Commercial loan related banking experience; strong leadership and problem resolution skills; demonstrated ability to self-start; confirmed history of producing a quality work product. Developed word processing and spreadsheet skills and experience with department-specific systems preferred; ability to work effectively with individuals and groups across the company to manage client relationships; proficiency with personal computers and related software packages such as Word and Excel. LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. MATHEMATICAL SKILLS Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, and percent and to draw and interpret bar graphs. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentage, area, circumference and volume. Ability to apply concepts of basic algebra and geometry. REASONING ABILITY Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. PHYSICAL DEMANDS While performing the duties of this job, the employee is regularly required to talk, hear, stand, walk & use hands to finger, handle, or feel. The employee frequently is required to sit. The employee is occasionally required to reach with hands and arms and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. WORK ENVIRONMENT The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. **If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal. First Interstate Bank is an equal opportunity employer committed to a diverse workforce and a barrier-free employment process. Employment is based solely on an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, or any other characteristics protected by law. We make all reasonable accommodations to meet the obligations set forth under the Americans with Disabilities Act (ADA) and state disability laws. In order to ensure reasonable accommodations for individuals protected by Section 503 of the Rehabilitation Act of 1973, the Vietnam Era Veterans' Readjustment Assistance Act of 1974, and Title I of the Americans with Disabilities Act of 1990, as amended, individuals that require accommodation in the job application process for a posted position may contact us (406)255-5485, Monday through Friday, 8 am to 5 pm MST or email us at careers@fib.com. All applicants must pass pre-employment screenings including a background check. First Interstate BancSystem participates in E-Verify which will require new employees to verify their identity and employment eligibility through the internet-based system operated by the Social Security Administration (SSA) and the Department of Homeland Security (DHS). E-Verify Notice English or Spanish Right to Work Notice English or Spanish