Commercial Banking Assistant Banking Officer

Quote

"Republic Bank believes in the development and advancement of our associates. We offer the opportunity to learn all aspects of the company to prepare for future advancement. Come join our team for a career, not just a job!"

Grade 8

Republic Bank's values are built upon making an IMPACT for our clients, our associates and the communities we serve. (IMPACT stands for Innovate for the Future, Make it Easy, Provide Exceptional Service, Acknowledge & Celebrate Success, Commit to Caring and Thrive Together) The associates of Republic Bank are the key to our success as an organization and we value our associates.

It's one of the reasons we've been named as one of the Best Places to Work in Kentucky for ten years! For more information about the company, please visit

The Commercial Banking Assistant Banking Officer is responsible for working with Officers and their client base to facilitate their loan requests, typically up to $7 million, and any loan and deposit servicing requests. This position typically deals with the most complex type of loans within the bank, and therefore requires a higher degree of expertise in commercial lending. In addition, this position handles a larger amount of line of credit renewals, annual reviews, and financial statement and covenant tracking, due to the larger average size of loans and the heavier focus and concentration on corporate & investment lending within the portfolio.

This position is also responsible for the handling of the entire process of any loan application through to the closing while following all policy and procedures in a manner that is consistent with the company's financial objective.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

• Sales and customer service skills preferred.
• Minimum 2 years banking experience in processing retail and/or commercial loans required.
• Proficiency in Microsoft Office products and internet applications required.

• Contact and meet with clients to collect the necessary information to process their loan request. May involve taking loan applications, opening new accounts, retrieving information on file from Docuview, and assessing any additional information needed and collecting it.
• Review with clients any necessary documents at time of loan application, adhering to any Republic compliance standards.
• Submit and process commercial loan requests in conjunction with our centralized credit/processing/underwriting area, maintaining contact and clear communication with processing/underwriting, the closing attorney as needed, our client and the Officer who initiated the loan.
• Learn the various types of commercial loans from owner occupied CRE, investment CRE, and corporate & investment.
• Schedule and coordinate commercial loan closings with clients and, when applicable, buyers, realtors and closing attorneys and attend or close loans if necessary.
• Review settlement statements prior to closing and go over them with client.
• Have a thorough understanding of Republic's loan and deposit products and matrix guidelines.
• Handle client inquiries; help with problem solving, research, transfers, processing payments and customer service. Ensure first and second payments are being set up properly via ACH or billing to avoid payment defaults.
• Complete necessary servicing tasks (file maintenance, BOB maintenance, payoff requests, etc.).
• Work and renew all matured loans as well as perform annual reviews for business clients, gather financial statements and covenant documentation, and look for other opportunities to cross‑sell.
• Look for innovative ways to streamline the flow of work and better assist clients.
• Assist Management with preparation of sales and production reports.
• Prepare and submit Fee Waivers according to LO/Management requests.
• Prepare Summary of Terms and Commitment Letters for all officers as required within Bank policy.
• Learn all bank systems, including but not limited to the commercial Loan Operating System and Salesforce.

• Maintain a working knowledge of compliance requirements affecting your position and area of responsibilities and actively learn new regulations and assist in the implementation, if required.
• Model and foster behaviors that support the Bank's values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
• Willingly perform all other duties and projects as assigned.

• Excellent verbal and written communication skills for effective interactions with clients.
• Detail oriented with ability to multi‑task.
• Must be self‑motivated and work in a team environment.
• Requires a high energy level and strong sense of urgency.

The physical demands described here are…