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Commercial Services Specialist

Commercial Services Specialist

Bank of the PacificOlympia, WA, United States
3 days ago
Job type
  • Full-time
Job description
  • Partners with Commercial Banking Officers and Treasury Management to facilitate a professional and timely on-boarding and customer experience.
  • Cultivates commercial banking relationships by providing timely, accurate, and professional customer service and problem resolution.
  • Responds to overall general banking questions and provides assistance with funds transfer requests, stop payment requests, wire transfer requests, image / statement requests, transaction posting errors / resolution, account analysis and bank account statement questions, and inquiries regarding funds availability
  • Facilitates the transition of client's operating business to Bank of the Pacific, ensuring timely and accurate implementation of deposit accounts, online banking and treasury services. Discuss treasury management services as well as other fee based online services with clients. Fully explain the features and benefits of the online services.
  • Provides efficient and accurate training of online services including NACHA requirements and cyber security best practices.
  • Opens new accounts, set up all new loan customer profiles in Horizon and prepares, as requested, documentation for new accounts, online banking, wire transfers, ACH origination, business bill pay, and positive pay.
  • Accurately performs account and treasury service maintenance functions including but not limited to : general account maintenance (adding, removing and updating account signers, address changes, statement settings, account analysis maintenance, adding and maintaining accounts, users, functionality, and limits to online banking, positive pay, perform password resets, supplemental training, etc.). Perform maintenance on clean-up projects as needed.
  • Processes client deposits, transfers, wires, loan advances, etc., within assigned level of authority in accordance with bank procedures.
  • Establishes, maintains, and updates files, records, accounts and other information as needed to support and document office activities.
  • As directed by the relationship manager, work directly with client to ensure issues needing immediate attention are resolved in a timely fashion.
  • Maintains current working knowledge of commercial account products, treasury management services, digital products and investment alternatives.
  • Maintains a thorough understanding of the relationships / portfolios supported.
  • Provide Intra-Department support with reports and balancing.
  • Perform back office duties to support ACH Origination and daily oversight of ACH delivery to Fed as well as ACH Risk Exposure Monitoring. Review daily ACH reports, prepare return / exceptions, prepare notices and or notify appropriate department or company of returns, notice of change or pre-notes. Communicate with branches on ACH originations and bill payments with insufficient funds. Cancel bill payments in iPay per branch request.
  • Perform daily review of positive pay exceptions. Work with ACH Operator to return ACH and Check exceptions flagged for return by client.
  • Review and resolve suspect ACH and Wires within online risk fraud analytics.
  • Add branch stop payments to Horizon.
  • Review payments and payees in Business Bill Pay for potential OFAC violations.
  • Additional duties as assigned.
  • Compliance :

    All employees are accountable for compliance with all laws, regulations and adherence to established internal controls and procedures when performing their job duties. Each employee is expected to be familiar with the legal and regulatory requirements and internal controls affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements and internal controls. All employees shall be responsible for communicating upward, problems in operations, noncompliance with the code of conduct, or other policy violations or illegal actions. Employees must participate in required training on pertinent compliance laws and regulations as required by the Bank of the Pacific.

    All employees will be committed to maintaining a high level of compliance with the Bank Secrecy Act and Anti Money Laundering, USA PATRIOT Act and Financial Recordkeeping regulations recognizing that all three acts are important tools in federal efforts to combat organized crime, terrorism and drug trafficking.

    Education / Experience :

    • High School diploma or equivalent
    • Undergraduate degree in business administration or equivalent experience, preferred.
    • 2+ years of recent experience in commercial banking, customer service, new account processing, treasury management customer service, and / or support environment with a thorough knowledge of commercial business account operations and banking services.
    • General knowledge of loan operations, documentation, terms and collateral, preferred.
    • Skills / Knowledge / Abilities :

    • Excellent oral and written communication skills
    • Excellent attention to detail and accuracy
    • Excellent follow-up skills
    • Knowledge of retail and commercial banking products and services
    • Knowledge of payment products
    • Ability to understand and apply internal policies, standards, procedures and practices to the assigned function
    • Competent with software applications as required by specific job duties, to computer regulatory code assignments
    • Ability to apply state and federal regulatory / reporting requirements pertaining to assigned function
    • Knowledge of modern office practices and procedures
    • Knowledge of Treasury Management Services products and systems
    • Familiarity of the Account Analysis System
    • Understanding of new account regulations and requirements
    • Experience with opening and maintaining new accounts
    • Experience with the online banking platform, online banking and mobile app
    • Able to work independently and in a team
    • Ability to take ownership of client needs and provide excellent customer service
    • Basic proficiency in PC software including word processing and spreadsheet programs, and bank customer information and transaction programs
    • Working Conditions / Environment / Potential Hazards :

    • While performing the duties of this job the employee regularly works in general office setting with a controlled climate.
    • Work involves being able to concentrate on the matter at hand, sometimes managing distracting work conditions and frequent employee and customer contacts and interruptions during the day.
    • Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work additional hours as needed.
    • Physical Requirements :

    • The employee is frequently required to stand, walk, type, and speak with internal and external customers for extended periods of time.
    • Work may involve the constant use of computer screens.
    • Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, kneeling or crouching to file materials.
    • Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner, fax machine, and other office equipment including those related to completing banking services in the branches. Work requires dexterity of hands and fingers with repetitive wrist and hand motion.
    • Occasional lifting 20 lbs (i.e., deposit bags, money trays, loan files, boxes).
    • Our Mission is simple, to be the best Bank for our employees, customers, investors and community.

      At Bank of the Pacific, we are committed to delivering memorable service beyond the customer's expectation, to include both external and internal customers. We consistently demonstrate our values through teamwork, open communication, integrity, honesty and respect for others. Additionally, we will maintain a professional appearance through dress, conduct and an orderly work area. A successful candidate will possess these qualities and be enthusiastic, professional and of high ethics. They will embrace our Mission, Vision and Values and actively contribute to our success.

      Our Core Values - We Care.

      We consistently demonstrate this through :

      Teamwork and open communication ~ Integrity, honesty and respect for others ~ Enthusiasm and positive recognition ~ Professionalism, initiative and innovation ~ Accountability, focused action and timely follow-through ~ Commitment to make our company a success

      For your Benefit We Offer :

    • Salary range for this position is $21.00 to $26.00 per hour. The specific salary offered will depend on several factors including but not limited to applicant's knowledge, skills and experience relevant to the position.
    • Eligible to participate in annual incentive plan.
    • We offer a comprehensive healthcare benefit package that includes : Medical, Dental, Vision, EAP, LTD, STD, Group Life, VTL, AD&D, FSA, DCAP, LFSA, and HSA.
    • Retirement Savings Plan through 401(k) with an additional Roth 401(k) option. We match 100% of your deferral up to 5% of eligible compensation.
    • Wellness Dollars up to $500 per year.
    • Weekend Wellness Hours, 4 per quarter.
    • Paid Birthday and Anniversary Holiday
    • 11 paid Holidays per Year
    • Sick Leave Time - Earn up to 8 days each Year
    • Vacation - 12 days each Year (first year adjusted based on hire)
    • Vacation Purchase Plan
    • Tuition Reimbursement
    • Employee Banking Privileges and Special Loan Features.
    • All employees are responsible for internal controls in the performance of their assigned duties. Internal Control responsibilities are established in various policies, procedures, and documents including the Code of Conduct.

      Bank of the Pacific is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.

      Salary Range Disclaimer :

      The base salary range represents the minimum and the maximum of Bank of the Pacific's salary range for this position. Actual salaries will vary depending on factors related to business needs and the employee's relevant knowledge, qualifications, experience, and job performance for the position.

      Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

      This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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    Commercial Specialist • Olympia, WA, United States

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