BANKING ASSISTANT

About Coastal States Bank

Coastal States Bank was founded on the relationships we build with each other and the communities we serve. At Coastal States Bank, we seek dedicated individuals who will strive to be a part of our growth and achieving our values.

This position requires full-time hours Monday through Friday in-office. This position is not fully remote or hybrid. Pay is commensurate to experience in banking experience. Only qualified candidates will be contacted.

Benefits Include:

401(k) & Company Match

AD&D insurance

Bankers School Career Planning

Dental Insurance

Disability Insurance

Employee Assistance Program

Flexible Spending Account

Medical Insurance

Health Savings Account

Life Insurance

Paid Family Medical Leave

Paid Federal Holidays

Paid Time Off

Referral program

Vision Insurance

Position Summary

The Banking Assistant supports the Regional President in managing client relationships and is focused on three primary areas: Loans, Deposits, Treasury and General Client Service. This position works closely with clients, closing attorneys and other internal CSB team members to deliver an overall exceptional client experience.

Essential Functions

Position Focus Areas:

Focus areas for the Banking Assistant fall into three (3) key areas:

Loans:

• Leads the effort in the pre-closing, closing and post-closing process for commercial loans, real estate loans, lines of credit and letters of credit.
• Initiate new loan opportunities and renewals in nCino.
• Review closing documents (pre-closing) for accuracy associated with the loan approvals.
• Execute funding for closings, initiate wires.
• Review and process loan draw requests.
• Review closed loan package (post-closing); prepare and process for booking.
• Order real estate and equipment appraisals.
• Maintain weekly and monthly reports as required by management.
• Manage (clear) financial statement and collateral exceptions to exceed bank expectations.

Deposits/Treasury:

• Initiates new deposit account openings for clients.
• Stays informed of Treasury services used by clients and is expected to recommend new services to the assigned Banker.
• Initiate and complete all required documentation for new deposit accounts - with Banker approval.
• Daily inspection of client Overdrafts and NSF activity - pay or return with Banker approval.
• Accurately execute wire transfers - with Banker approval.
• Initiate new deposit and treasury opportunities in Salesforce.

General Client Service:

• Responsible for providing general day to day servicing to exceed the client's expectations.
• Partners with the assigned Banker to perform as a key point of contact for clients.
• Provide overall exceptional service to both internal and external clients.
• Act as a primary resource to resolve complex and simple client matters.
• Clearly and proactively communicates with clients as directed by the assigned Banker and on an as needed basis.

Critical Success Factors

• Deep understanding of banking regulations.
• Self-Motivated and Team Player
• Responsiveness with the ability to effectively prioritize work and deadlines.
• Provides Exceptional Customer Service
• High Attention to Detail
• Organizational Skills
• Strong Ethics
• Strong analytical and problem-solving skills
• Excellent Written and Oral Communication Skills

Preferred Education/Experience/Software:

Current experience in commercial banking, loan operations and client service is required. Two or four-year degree preferred, high school or equivalent degree required. One to five years of banking experience required, or an equivalent combination of education and experience may be acceptable. Completes diverse deadline driven tasks. Works with highly sensitive and confidential information. May act as a resource to other internal staff. Knowledgeable in a wide range of Microsoft Office software applications. Proficient with Fiserv, nCino and other necessary bank platforms is preferred.

Additional Requirements:

The responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies.

Training:

Responsible for the timely completion of all required compliance training such has BSA, Information Security, and other job specific training as assigned.

Work Environment/Physical Demands:

Professional office environment. While performing the duties of this position, the team member is regularly required to operate standard office equipment. The team member is frequently required to communicate and perceive. The position is primarily stationary and not substantially exposed to adverse environmental conditions and requires sedentary work such as exerting up to 10 pounds of force 5% of the time and a negligible amount of force approximately 95% of the time.

• This position description has excluded the marginal or peripheral functions that are incidental to the performance of primary functions. Duties, responsibilities and activities may change at any time with or without notice. This position description does not create an employment contract, implied or otherwise, other than an "at will" employment relationship.