Commercial Banking Associate

IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects its dedication to the growth and success of its employees, customers and communities.   IBC bank hires talented, creative and dedicated individuals to help our business succeed.  We are a company that values leadership, community engagement and relationship building that leads to a culture of excellence.   We are currently seeking to fill positions across all business segments. IBC's focus is to be customer centric and strive to provide excellent customer experience. 

Time Type:

Full time

This is an in-office position.

Department:

220 Commercial Lending

Job Summary:

The Commercial Banking Associate is primarily responsible for working the lending floor alongside the Senior Lender to complete loan memos and assist with commercial loan customer portfolio management through telephone and in person contact.

Job Description:

ESSENTIAL JOB FUNCTIONS

The statements on this job description are intended to describe the general nature of level of work being performed by incumbents.  They are not an exhaustive list of all responsibilities, duties, and skills required by all incumbents.

• Prepare and underwrite loan packages for Sr. Commercial Lending officers including loan memos, financial analysis, collateral analysis, and customer background

• Assist in the tracking and closing on loans in process of closing

• Assist with customer contact including business development at times the collections of past dues and overdrafts

• Assist in clearing loan exceptions for commercial officers

• Attend commercial credit quality meetings that involve business development as well collection strategies of loan and past dues

• Attend customer meetings with commercial Sr. Lenders

• May develop new commercial business

• In some markets, they may maintain a small loan and deposit portfolio

SKILLS

• Good oral and written communication skills

• Good listening skills and critical thinking skills

• Good negotiation skills

• Completion of IBC’s Credit Analyst program

• For border markets, preferably bilingual (English/Spanish)

• Strong math skills

• Customer service oriented

• Careful attention to detail

• Collaboration and persuasion

• Team player

EDUCATION & KNOWLEDGE

• Bachelor's in Finance or Accounting

• Strong working knowledge of computers and Microsoft Office program with an emphasis on Word, Power Point, and Excel is a plus

• Completion of IBC’s Credit Analyst Program

TRAVEL

• Occasional travel is required within the city and out of town