Teller I
Great Southern Bancorp, Inc. job in Saint Louis, MO
Come be a part of something greater! Great Southern Bank is committed to fostering an environment where everyone can contribute and succeed at every level. We celebrate and value differences in age, outlook, cultural background, lifestyle, and physical ability. We offer career opportunities and advancement across a wide range of disciplines. Come join our team of customer service experts today!
General Description
Provides a variety of customer service functions, including product referrals and meeting Banking Center Associate Standards. Provide exemplary customer service. Process a variety of financial transactions in a timely and accurate manner. Maintain security of assigned cash, balancing each day's transactions and verifying cash totals.
Essential Duties and Responsibilities
* Accountable for representing the bank in a courteous and professional manner; knowledgeable of 5 Winning Ways of Customer Service and implements on a daily basis. Meets or exceeds Secret Shop score expectations. This duty is performed about 20% of the time.
* Has a basic working knowledge of and routinely refers customers to appropriate Great Southern services and products. Meets or exceeds referrals expectations. Consistently and accurately uses CRM program. This duty is performed about 20% of the time.
* Responsible for balancing each day's transactions and verifying cash totals. Responsible for locating any cash differences and ensuring that they are properly documented and reviewed. Meets or exceeds balancing expectations. This duty is performed about 20% of the time.
* Processes all transactions efficiently and accurately. Meets or exceeds POD error expectations. This duty is performed about 15% of the time.
* Maintain confidentiality of customer account information, security alarm codes, and general codes used within the facility. Ensures effective implementation of bank security policies and procedures, and attends annual BSA and Security training. This duty is performed about 10% of the time.
* Ensures full compliance with and implementation of all bank policies and procedures. Is familiar with and has working knowledge of appropriate banking regulations. This duty is performed about 15% of the time.
* Maintains regular and reliable attendance, punctuality and personal appearance. Reads, writes, and communicates in a clear and efficient manner via various types of correspondence, such as, in person, phone, email, letters, etc. Adheres to all company policies and procedures, as well as all applicable banking rules, regulations, and laws (including BSA/AML).
* Performs any other related duties as required or assigned.
Education and Experience Requirements
* High school diploma or GED
* 0 to 6 months of related experience or training
* Prior banking or cash handling experience is preferred
* Regular use of desktop/laptop computer, basic operating systems, and specialized software systems.
* Basic experience with alphanumeric data entry, PowerPoint, Excel, and word processing
* Ability to add, subtract, multiply and divide
At Great Southern Bank, we are willing to accommodate for those with reasonable requests. If you need assistance at any point during the application process (completing applications, interview prep, etc…), please contact Human Resources at ************.
Great Southern Bank is proud to be an Equal Opportunity Employer, treating all candidates and employees equitably without regard to race, color, sex, religion, national origin, ancestry, age, disability, protected veteran status, gender identity, sexual orientation, pregnancy, or any other basis prohibited by law.
Monday - Friday 8:15 AM - 5:15 PM; Rotating Saturday 8:45 AM - 12:15 PM
Total Hours: 40
5781
Personal Banker I
Great Southern Bancorp, Inc. job in Brentwood, MO
Come be a part of something greater! Great Southern Bank is committed to fostering an environment where everyone can contribute and succeed at every level. We celebrate and value differences in age, outlook, cultural background, lifestyle, and physical ability. We offer career opportunities and advancement across a wide range of disciplines. Come join our team of customer service experts today!
General Description
Responsible for attaining sales goals, providing customer support and service, and developing customer relationships. Meet or exceed all production goals, Banking Center Associate Standards, and regulatory requirements.
Essential Duties and Responsibilities
* Implements and administers procedures to attain established performance goals set forth by Management. Meets or exceeds all production goals. This duty is performed about 35% of the time.
* Develops customer relationships by identifying needs and making appropriate recommendations for products and/or services. Expands existing relationships and attracts new business by seeking referrals from all customers and soliciting products and services by phone. Consistently and accurately uses CRM program in various capacities, including customer profiling. This duty is performed about 25% of the time.
* Provides professional, courteous service to all customers including opening new accounts and processing loan requests. Meets or exceeds Secret Shop score expectations. This duty is performed about 20% of the time.
* Maintains a strong working knowledge of and ensures full compliance with all applicable banking regulations. Maintains confidentiality of customer account information, security alarm codes and general codes used within the facility. Ensures effective implementation of bank security policies and procedures, and attends annual BSA and Security training. Performs new account opening with minimal errors. This duty is performed about 20% of the time.
* Maintains regular and reliable attendance, punctuality and personal appearance. Reads, writes, and communicates in a clear and efficient manner via various types of correspondence, such as, in person, phone, email, letters, etc. Adheres to all company policies and procedures, as well as all applicable banking rules, regulations, and laws (including BSA/AML).
* Performs any other related duties as required or assigned.
Education and Experience Requirements
* High school diploma or GED
* 1 to 2 years of related experience and/or training
* At least one year of sales/customer service experience preferred
* Prior banking experience is preferred
* Regular use of desktop/laptop computer, basic operating systems, and specialized software systems.
* Basic experience with alphanumeric data entry, PowerPoint, Excel, and word processing
* Ability to add, subtract, multiply and divide
License, Certification, and Registration Requirements
* A valid motor vehicle operator's license and/or ability to travel to training sites and other banking center
* locations is required.
* Must be registered under the Nationwide Mortgage Licensing System (NMLS) or become registered upon hire.
* State Life Insurance License or ability to pass Life License Exam preferred.
* Notary license preferred.
This position is eligible for additional incentive compensation, awarded based on achievement of established goals.
At Great Southern Bank, we are willing to accommodate for those with reasonable requests. If you need assistance at any point during the application process (completing applications, interview prep, etc…), please contact Human Resources at ************.
Great Southern Bank is proud to be an Equal Opportunity Employer, treating all candidates and employees equitably without regard to race, color, sex, religion, national origin, ancestry, age, disability, protected veteran status, gender identity, sexual orientation, pregnancy, or any other basis prohibited by law.
Monday - Friday 8:15 AM to 5:15 PM; Rotating Saturday 8:45 AM to 12:15 PM
Total Hours: 40
5769
BCGSB
Lead Operations Representative
Saint Louis, MO job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
:
This job is responsible for handling day-to-day Operations processes and working towards deadlines. Key responsibilities include completing all workflows, providing guidance to other team members, assisting internal business partners, and providing functional expertise. Job expectations include performing routine and various item processing functions under moderate supervision within a process that has built-in checks and balances.
LOB Job Description:
Individual contributor role that demonstrates leadership qualities. Processes transactions in one or more of the company's internal operations to support domestic and international consumer, commercial and wholesale bank businesses or services functions. Responsibilities may include: basic level reporting, customer service support, reviewing and processing transactions for item processing, , reconciling, statement rendering, and performing other support operations functions as required. Maintains internal operational and financial controls and ensures they meet bank standards. Ensures quality service and effective and efficient operations support for the assigned area's internal business partners and/or external customers/clients. Performs all the functions required and typically acts as a workflow coordinator and/or a subject matter expert. Able to prioritize and distribute daily work to meet deadlines and goals. Demonstrates a good working knowledge of the processes and procedures and the ability to identify and implement process improvement opportunities. May provide guidance and direction to less experienced team members
Responsibilities:
* Contributes to overall success of an Operations team as an individual contributor
* Handles operational activities and queries for either single or multiple Lines of Business across the enterprise
* Adheres to deadlines set internally within the business unit or those in agreed Service Level Agreements with internal or external business partners
* Provides functional expertise knowledge to projects or initiatives relating to the business unit
* Maintains internal operational and financial controls and works within the risk appetite of the business unit
* Continues to review processes to ensure they are efficient and implements process improvement opportunities
LOB Specific Responsibilities:
* Works with Managers and Team Leads to handle inquiries received from high revenue clients via email or internal request system.
* Requests consist of treasury, cash management and/or depository products.
* May also work with internal business partners to provide resolution to client inquiries, issues, and/or technical support.
* Responsible for reading, analyzing and/or determining appropriate research, handling and resolution of requests.
* Interacts continuously and deepens relationships with internal business partners as well as clients to further enhance client delight;
* Conduct limited research and respond to internal business partner and be able answer questions and inquiries; Utilize the various bank systems to support client requests.
* Support business during process disruptions which can result in a need to work overtime.
* Ensures daily return checks processed, meeting REG CC requirements.
Required Qualifications:
* Ability to work Monday through Friday 11:45 am -8:15 pm ET OR 10:45 am -7:15pm CT, with occasional need to stay longer to meet service level agreements.
* 1+ years of experience working with Bank Operations and Check products.
* 1+ years of experience resolving client requests with internal business partners.
* Intermediate proficiency in written (including grammar and spelling) and verbal communications
* Effective interpersonal skills.
* Ability to analyze, research and resolve client inquiries.
* Ability to work independently with little direction and meet client service level agreements
* Comfortable receiving ongoing performance feedback and coaching.
* Comfortable with ongoing change and learning new technology/processes.
* At least an intermediate ability in PC computer skills while navigating multiple banking systems
Desired Qualifications:
* Experience in Check Fraud detection a plus
Skills:
* Active Listening
* Adaptability
* Attention to Detail
* Collaboration
* Data Collection and Entry
* Critical Thinking
* Customer and Client Focus
* Oral Communications
* Planning
* Reporting
* Account Management
* Conflict Management
* Decision Making
* Inclusive Leadership
* Process Management
Shift:
2nd shift (United States of America)
Hours Per Week:
40
PWM Market Executive
Saint Louis, MO job
The Private Bank Market Executive (ME) runs the end-to-end business within their respective market and is responsible for developing and implementing the market strategy to drive responsible growth and financial performance of the market, advisor productivity, client engagement/retention and delivering one company with enterprise partners. The ME is expected to instill a culture of responsible growth, proactive risk management and an enterprise mindset across the market through all roles. The ME will also implement the broader Private Bank strategy and key priorities at a local level, adapting to local market dynamics (i.e., cross-LOB presence, competitor footprint, etc.).The ME is accountable for all talent, compensation and resource decisions in their market in conjunction with key partners and is expected to drive employee engagement and talent recruitment and development. The ME also owns decisions in the market around business selection (in partnership with Risk and OCF), client team composition and deal/issue resolution. The ME is fully accountable for effectively managing market's trust risks, adherence to administrative metrics, and ensuring trust policy adherence. All PCAs, PCMs, PMs, and TOs in the market report up through the Market Executive either directly or through a Market Leader and/or Investments/Fiduciary Executive who reports directly to the Market Executive; this is dependent on market size and span of control.Responsibilities:• Drive Responsible Growth in the Market:o Delivers on key business and financial metricso Drives an integrated culture of responsible growth across all roleso Executes against Private Bank strategy and priorities, tailored to local market dynamics and competitor footprinto Ensures sound decision making on business selection in accordance with risk appetiteo Is fully accountable for effectively managing market's trust risks, adherence to administrative metrics, and ensuring trust policy adherenceo Decisions resource allocation in market, including headcount and marketing priorities• Deliver for Clients:o Responsible for client satisfaction and retentiono Drives delivery of the investment and fiduciary platform credit and banking solutions and enterprise capabilities to clientso Owns final decisions on client team composition and book distribution upon advisor departureso Partners with CME to ensure resolution of issues/obstacleso Engages directly with key clients and prospects, including oversight of the at-risk client process and direct engagement with at-risk clients• Talent Management: o Recruits, hires, develops, and retains talento Coaches across roles on driving responsible growth and risk managemento Drives employee engagement and culture of inclusiono Gets to know top and key diverse talent in the market, externally and across BAC lines of businesso Acts quickly to address performance issues• Delivers One Company: o Responsible for delivering the bank to Private Bank clients and prospects, based on their individual needs and goalso Delivers on cross-LOB referral and pull-through targetso Serves as face of Private Bank in the market to enterprise partners, market president team and in the local communityo Drives an enterprise mindset and referral activity across disciplines Required Skills:Required Skills: ▪ FINRA Licenses Required: S7, S66 OR S63 & S65, S24.▪ Strong business judgment and decision making, particularly on issues relating to business selection, risk management, talent and performance management, enterprise partnerships, financial management and problem resolution▪ Demonstrated track record of delivering business results & driving responsible growth▪ Ability to attract, select, develop, and retain top talent across job families▪ Communicates in a clear and compelling manner with employees, clients, and enterprise partners (executive presence)▪ Strong foundational end to end knowledge of the business, including the fiduciary and investment platform, banking and credit products, and industry trends.▪ Bachelor's Degree preferred. Advanced certifications a plus
Shift:
1st shift (United States of America)
Hours Per Week:
40
Auto-ApplyEstate Settlement Advisor - Commerce Trust
Saint Louis, MO job
About Working at Commerce
Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.
Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.
Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let's talk.
Compensation Range
Annual Salary: $80,000.00 - $107,000.00 (Amount based on relevant experience, skills, and competencies.)
For more than a century, Commerce Trust has been a leading provider of wealth management services including financial planning, estate and tax planning, investment management, private banking and trust administration services. Our approach to wealth management means assembling a team of seasoned wealth management professionals across disciplines who collaborate to ensure each client's financial journey is uniquely crafted for their goals. Commerce Trust is a division of Commerce Bank.
About This Job
The main purpose of the Estate Settlement Advisor (ESA) is to serve our clients and partner with our Private Client Advisors (PCA's) in any decedent matters that result in Commerce Trust (CT) being appointed as Personal Representative or Successor Corporate Trustee, including deaths of Grantors of Revocable and Irrevocable Trusts with Commerce Trust as Trustee, or where CT has been retained by the Trustee or Personal Representative to perform these duties in an Agency relationship.
Essential Functions
Manage an assigned portfolio of accounts through the estate settlement process of which a high percentage will be low to moderately complex in nature. The degree of complexity is generally corelated to the size and nature of the gross estate, terms of governing document/s, asset mix, number of decision makers, beneficiaries, and other attributes that will increase the time and expertise required to successfully administer the estate.
Manage assigned portfolio of accounts with supervision
Participate in meetings with Wealth Management Consultant (WMC) and Private Client Advisor (PCA) to support ongoing development of new business opportunities that involve Estate Settlement
Participate in client meetings with PCA to support transition of responsibilities to ESA and provide overview of process for beneficiaries
Complete necessary due diligence and coordination of approval or declination to serve as Trustee or Personal Representative in accordance with CT policies and procedures
Manage responsibilities in a way that instills confidence in CT and enhances the ability to retain business upon completion of estate settlement process
With supervision, interpret the governing instrument and applicable law to establish account records, including payment and fee schedules. Write to beneficiaries and co-fiduciaries to outline administrative procedures.
Communicate with portfolio managers regarding investment objectives and liquidity needs
Identify, collect and secure decedent's tangible and intangible assets
Perform other duties as assigned
Knowledge, Skills & Abilities Required
Working knowledge of wealth management services, such as wealth transfer planning, taxation, estate planning, and wealth management products and services acquired through work-related experience
Understanding of fundamental legal, tax, and financial concepts
Ability to work in a team-based environment, assist with tasks, and participate in meetings effectively
Professional presence and approach with a desire to meet client expectations
Willingness to learn and develop skills through continuing education
Ability to support and collaborate with team members
Strong customer service skills to interact with clients and address their needs
Problem-solving skills to identify issues and propose solutions
Basic research skills to gather and analyze information
Ability to maintain a valid driver's license and meet Commerce Bank's driving record criteria; ongoing employment may be contingent upon meeting all driving requirements
Motivated and organized self-starter with strong attention to detail and the ability to manage basic priorities
Inquisitive, agile, and strong team player with good written, verbal, analytical, and interpersonal communication skills
Ability to remain adaptable and resilient to all situations with an optimistic outlook and align with our culture and Core Values
Basic level proficiency with Microsoft Word, Excel, Teams, and Outlook
Education & Experience
Bachelor's degree or equivalent combination of education and experience required
3+ years of relevant trust and estates settlement experience as paralegal or similar role within the wealth management industry required
Experience working with high-net-worth clients in an advisory and fiduciary perspective preferred
Certified Financial Planner (CFP) and/or Certified Trust Fiduciary Advisory (CTFA) designation preferred
**Level of role is determined by knowledge, experience, skills, abilities, and education
***For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Estate Settlement Advisor I & II - CTC job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $80,000 to $107,000 annually. This position will be eligible for additional compensation through performance-based incentive plan(s) that will correspond to meeting performance goals.
The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.
Location: 8000 Forsyth Blvd, Clayton, Missouri 63105
Time Type:
Full time
Auto-ApplyResearch & Adjustments Representative II
Saint Louis, MO job
Saint Louis, Missouri **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (******************************************************************************************************************
**:**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
**Job Description:**
This job is responsible for resolving research and adjustment inquiries within the bank's practices and procedures. Key responsibilities include maintaining internal operational and financial controls and ensuring that they are observed for all assigned cases. Job expectations include ensuring that all cases are resolved in compliance with industry regulations and bank procedures, integrity levels of the department's case management system, and financial controls, and escalating matters or issues to leadership to ensure minimum risk occurs.
The Research and Adjustments Representative II role is an in office position that is responsible for receiving and sorting incoming mail, scanning mail and getting it the appropriate team, processing payments, extensive account research and completing maintenance on delinquent and/or charged off Business Lending, Deposit and Consumer Vehicle Lending products.
This role requires advanced account review and problem solving skills. Primary responsibilities include loss mitigation of delinquent or charged accounts. Navigates a computerized data entry system and other relevant applications. They understand account terms, regulatory and compliance requirements that apply to the process and are able to work within these guidelines. Also, must adhere to internal operational and financial controls and ensures that they are observed for all assigned cases. May provide support to and training to other researchers within the department.
**Responsibilities:**
+ Works on daily incoming exceptions and maintains aged exceptions to a minimum
+ Enters daily entries through internet based applications
+ Performs routine or complex account maintenance depending on client account type
+ Maintains high-volume portfolios
+ Investigates and resolves issues and requests
**Required Qualifications:**
+ Self-motivated and goal oriented
+ Ability to adapt quickly to changes in the environment
+ Must be detail oriented, an independent thinker, and able to handle multiple tasks concurrently
+ Must be able to work in a team environment
+ Ability to navigate multiple computer systems
+ Ability to think critically and use sound judgement in decision making
+ Analytical and problem resolution skills
**Desired Qualifications:**
+ Previous Collections or Recovery experience
+ College degree or commensurate work experience preferred
+ Knowledge of Deposit and Card/Loan systems
**Skills:**
+ Attention to Detail
+ Customer and Client Focus
+ Pipeline Management
+ Research
+ Critical Thinking
+ Decision Making
+ Problem Solving
+ Written Communications
+ Adaptability
+ Collaboration
+ Risk Management
**Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent
**Shift:**
1st shift (United States of America)
**Hours Per Week:**
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
View your **"Know your Rights (************************************************************************************** "** poster.
**View the LA County Fair Chance Ordinance (************************************************************************************************** .**
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
Sr Credit Underwriter - Commercial Credit (Agriculture/Food products)
Saint Louis, MO job
Phoenix, Arizona;Charlotte, North Carolina; Elma, New York; Saint Louis, Missouri **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.**
Acknowledge (*******************************************************************************************************************************************
**:**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
**Job Description:**
This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for moderately complex/complex transactions with limited oversight. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance.
We are seeking a detail-oriented and experienced Credit Underwriter with specialized knowledge in agriculture and food products lending. This role is responsible for evaluating credit risk and underwriting commercial loans within the agribusiness sector, including producers, processors, distributors, and retailers of agricultural commodities and food product _s._
**Responsibilities:**
+ Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
+ Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
+ Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
+ Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process
+ Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements
+ Analyze financial statements, cash flow projections, and industry trends specific to agriculture and food-related businesses.
+ Maintain up-to-date knowledge of market conditions, commodity pricing, and regulatory developments affecting agribusiness lending.
+ Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate
+ Participates in Regional and Market meetings to communicate credit delivery best practices and results
+ Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed. **_ _**
**Required Qualifications:**
+ 5-7 plus years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management **_,_** _preferably with prior credit approval authority._
+ Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring.
+ Formal commercial credit training OR equivalent work experience.
+ Prior experience in a high-volume production environment
**Desired Qualifications:**
+ Knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.)
+ Prior leadership and credit management experience.
+ Superior teamwork skills in the commercial market space.
+ Bachelor's degree, Master's Degree preferred, in business administration, finance, accounting or economics
**Skills:**
+ Attention to Detail
+ Credit and Risk Assessment
+ Financial Analysis
+ Underwriting
+ Written Communications
+ Analytical Thinking
+ Credit Documentation Requirements
+ Financial Forecasting and Modeling
+ Recording/Organizing Information
+ Business Acumen
+ Collaboration
+ Collateral Management
+ Loan Structuring
+ Prioritization
**Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent
**Shift:**
1st shift (United States of America)
**Hours Per Week:**
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
View your **"Know your Rights (************************************************************************************** "** poster.
**View the LA County Fair Chance Ordinance (************************************************************************************************** .**
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
Commercial Banking Expansion Market Trainee
Saint Louis, MO job
About Working at Commerce
Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.
Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.
Creating an award-winning culture doesn't come easy. And after more than 155 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let's talk.
Compensation Range
Hourly: $28.85 - $31.25 (Amount based on relevant experience, skills, and competencies.)
About This Job
Are you ready for an adventure? This is an opportunity to be part of a focused development program designed to launch successful careers in Commercial Banking. This position is focused on preparing you to be a successful and productive Commercial Banker in one of Commerce Bank's high growth expansion market in Nashville, Tennessee & Grand Rapids, Michigan.
During the program, you will spend approximately one year embedded with our Corporate Commercial Banking teams in our St. Louis headquarters while also residing in that city. Additional time may be required depending on the applicant's prior education and experience. Once you've completed the program you will be transferred to our Nashville or Grand Rapids expansion market.
You'll work alongside our commercial banking teams and bank executives to help our customers solve their everyday financial needs. Don't have commercial banking experience? Don't worry. We will provide all the necessary training to build the skills required to be successful. If you're a go-getter who loves to learn and win, we'd love to talk.
Essential Functions
Participate in cross-functional rotations across various business lines to leverage and develop leadership skills while also gaining an understanding of the commercial bank and commercial payments solutions
Attend community and business functions, participate in networking groups to ensure a positive image for the bank and grow key networking with contacts in the marketplace
Collaborate with commercial banking teams and product partners to identify prospective clients' financial needs and add value through a full range of products and services
Support the comprehensive management of existing commercial relationships to ensure a high level of customer satisfaction and retention
Facilitate credit requests, including loan structuring, negotiating/pricing, collateral, ensuring adequate loan documentation, and analyzing industry/credit risk
Maintain loan reporting and ensure compliance with all bank policies, procedures, regulations, and laws
Perform other duties as assigned
Knowledge, Skills & Abilities Required
Basic knowledge of the banking/accounting/finance field
Basic analytical skills using financial and accounting principles
Strong relationship building skills and propensity for sales
Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
Intermediate level proficiency with Microsoft Word, Excel and Outlook
Ability to maintain a valid driver's license and meet Commerce Bank's driving record criteria; ongoing employment may be contingent upon meeting all driving requirements
Education & Experience
Bachelor's degree in a business-related field
1+ years of financial services or sales experience required
For this position, Commerce Bank will review your motor vehicle driving record. If you express interest in and are considered for this position, you'll be asked to authorize our review of that record.
***For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Expansion Market Trainee - Commercial Banking job and contemplates a wide range of factors that are considered in making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, it is not typical for an individual to be hired at or near the top of the range for their role, and compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $28.85 to $31.25 per hour.
The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.
Location: 8000 Forsyth Blvd, Clayton, Missouri 63105
Time Type:
Full time
Auto-ApplyBusiness Banking Relationship Manager (Small Business)
Saint Louis, MO job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Description:
This job is responsible for providing comprehensive financial solutions to small businesses with annual revenues up to $20 million while actively managing and deepening relationships with high value and opportunity clients. Key responsibilities include supporting growth of the profitability of the small business customer base, identifying, developing, and driving results, and acquiring new client opportunities through prospecting, networking, and developing external referral sources. Job expectations include opening core small business accounts while adhering to procedural guidelines.
Responsibilities:
Manages the end-to-end client journey to deliver on client needs and drive sales opportunities while mitigating risk
Identifies and refers specialized small business opportunities and solutions to clients while conducting small business relationship reviews
Delivers a branded customer experience within aligned sales portfolios by being in the field a minimum of 80% of the time
Fosters relationships with key partners such as Merchant, Practice Solutions, Treasury, and Business Banking to increase small business opportunities
Leverages knowledge of credit to advise small business owners on solutions, services, and digital capabilities that help them meet their short and long-term business goals
Supports execution of the sales delivery model to achieve targeted performance and growth of the bank's Small Business segment
Coaches, develops, guides, and delivers feedback to associates and clients while embodying a client and employee-centric culture
Required Qualifications:
Has proven success in consultative sales in financial services or in business-to-business sales
Ability to demonstrate examples of improving specific businesses financial outcomes by interpreting financial statements and recommending specific levers
Is passionate about outside sales and enjoys spending time prospecting
Wants to enhance existing relationships and exceed sales goals
Can analyze financial conditions of clients and industry trends
Can understand and interpret financial statements and cash flow analysis
Has excellent communication skills and demonstrated leadership ability
Enjoys partnering and negotiating with a team of bank employees to solve client issues
Demonstrated management of a client portfolio with focus on relationship development and deepening
Thorough knowledge of small business financial products and services
Familiarity with CRM platforms and other banking systems
Desired Qualifications:
Community leadership
Strong computer skills with an ability to multitask in a demanding environment
Undergraduate degree in business, finance or economics preferred or seven years relevant work experience
Skills:
Client Experience Branding
Client Management
Client Solutions Advisory
Customer and Client Focus
Pipeline Management
Credit Documentation Requirements
Financial Analysis
Oral Communications
Prioritization
Written Communications
Coaching
Interpret Relevant Laws, Rules, and Regulations
Prospecting
Risk Management
Shift:
1st shift (United States of America)
Hours Per Week:
40
Auto-ApplySenior Physical Security & Safety Specialist
Saint Louis, MO job
About Working at Commerce
Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.
Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.
Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let's talk.
Compensation Range
Hourly: $34.05 - $39.90 (Amount based on relevant experience, skills, and competencies.)
About This Job
The main purpose of this job is to perform duties relevant to the organization's physical security and safety needs while working semi-independently under the direct supervision of the Physical Security & Safety Manager
Essential Functions
Manage and oversee the network alarm, video, and access control systems, including their functionality, maintenance, repair, or replacement, to ensure proper operation
Prepare access and identification badges for employees and vendors, and manage the electronic access control system, including handling new employees, terminations and any changes related to equipment and maintenance
Design security system and plans for new and remodeled facilities
Serve as a consultant for internal employee safety and security issues, as well as executive protection concerns
Travel to assigned local branches and community markets as needed for site assessments, training, incident response, and other safety and security concerns
Develop, facilitate, present all safety and security training, including annual departmental training, emergency shelter and evacuation drills for campuses, making updates as needed
Respond to safety and security concerns and incidents, by providing remote support for community markets, coordinating with law enforcement at all levels, and communicating relevant information to bank leadership as necessary
Coordinate safety inspections, projects, and other relevant items with property management companies
Prepare trespass and account closure notification letters in coordination with Retail, CTC, or other lines of business
Oversee and interact with uniformed security officer staff, and direct their assignments and duties as needed
Maintain regular communication and meetings with security vendors and integrators, and serve as a consultant to internal departments for safety and security concerns, incidents, training, and other related matters
Perform other duties as assigned
Knowledge, Skills & Abilities Required
Strong knowledge of security and safety strategies including best practices
Strong public speaking skills and ability to facilitate training sessions
Ability to maintain a valid driver's license and meet Commerce Bank's driving record criteria; ongoing employment may be contingent upon meeting all driving requirements
Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
Inquisitive, agile, and strong team player with excellent written, verbal, and interpersonal communication skills
Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
Intermediate level proficiency with Microsoft Word, Excel, Teams, and Outlook
Education & Experience
Bachelor's degree in related field or equivalent combination of education and experience required
6+ years of experience in a corporate security function with an emphasis on physic security required
Law Enforcement experience highly preferred
American Society for Industrial Security (ASIS) membership preferred
For this position, Commerce Bank will review your motor vehicle driving record. If you express interest in and are considered for this position, you'll be asked to authorize our review of that record.
***For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Senior Physical Security & Safety Specialist level job and contemplates a wide range of factors that are considered in making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $34.05 to $39.90 per hour.
The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.
Location: 8000 Forsyth Blvd, Clayton, Missouri 63105
Time Type:
Full time
Auto-ApplyCredit Analyst III- FAM Specialist
Saint Louis, MO job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Description:
The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval.
The FAM Specialist ("Specialist") is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures.
Responsibilities:
* Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners.
* Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients.
* Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool.
* Effectively and concisely communicate spreading and risk ratings outcomes with key business partners.
* Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc.
* Understand and accurately apply risk rating scorecard and spreading guidance.
Required Qualifications:
* Experience: 3-5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts.
* Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures
* Technical Skills: Proficient in interpreting various Commercial loan documents.
* Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure.
* Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement.
* Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations.
* Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat.
Desired Qualifications:
* Bachelor's degree in Accounting, Finance or equivalent experience
* System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard
Skills:
* Attention to Detail
* Client Management
* Decision Making
* Underwriting
* Credit Documentation Requirements
* Critical Thinking
* Portfolio Management
* Problem Solving
* Written Communications
* Financial Analysis
* Negotiation
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
40
Advisor Development Program Client Associate
Clayton, MO job
Clayton, Missouri **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (********************************************************************************************************************
**:**
**Advisor Development Program Client Associate**
Merrill Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals, companies, and institutions. Merrill Wealth Management is one of the largest businesses of its kind in the world specializing in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance.
Merrill's Financial Advisors and Wealth Management Client Associates help pursue the life they envision through a personal relationship with their advisory team committed to their needs. We believe trust comes from transparency. Our trusted advisory teams are equipped with access to the investment insights of Merrill coupled with the banking convenience of Bank of America.
Merrill is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Merrill, we empower you to bring your whole self to work. We value diversity in our thoughts, business, and within our employees. Our Wealth Management team represents an array of different backgrounds and bring their unique perspectives, ideas and experiences, helping to create a work community that is culture driven, resilient, results focused and effective.
The Advisor Development Program is designed for individuals excited to make a career transition and follow their passion of becoming a Financial Advisor.
**Job Description:**
The Wealth Management Client Associate - Advisor Development Program (WMCA - ADP) role is an entry role into our Advisor Development Program where the destination role is becoming a full-scale Financial Advisor at Merrill. This progression role is responsible for providing client service support to Financial Advisors (FAs).
As a WMCA - ADP your journey begins by obtaining your Securities Industry licenses, where you will receive dedicated study time for your Securities Industry Essentials [SIE], Series 7, and Series 66 Exams. Your SIE, Series 7 & 66 must be obtained within 120 days; (63 & 65 accepted, in lieu of 66, if previously held). Once you obtain your licenses, you will be taught the foundational skills needed to be a WMCA - ADP.
This job is responsible for providing client service support to multiple FAs. Key responsibilities include supporting enterprise strategic objectives, operational excellence goals, and client advocacy within the FA's business, while customizing solutions based on their specific needs. Job expectations include serving as the most frequent point of contact within Merrill to address all service needs of their clients and acting as a resource for FAs on the team.
Once you have reached your key milestones, including proficiency in your current role and the completion of experiential activities showcasing your ability to become an advisor, you will then progress into the next stage of the Advisor Development Program, beginning building a book of business as a Financial Advisor trainee. You will complete dedicated training preparing you for this role and once complete you will continue to work in a Merrill office where you will be acquiring, building, and managing client relationships while considering a client's complex financial picture and guiding them with advice and solutions.
Once you complete your performance requirements as a Financial Advisor trainee you will reach the ultimate destination of becoming a Merrill Financial Advisor. You will be supported along the way with dedicated programs, tools, and resources throughout your career journey.
**The Advisor Development Program consists of progressive roles to ultimately become a Merrill Financial Advisor. Our progressive roles in the Advisor Development Program engage in:**
+ Developing a book of business in order to meet and exceed established performance hurdles
+ Effectively prioritizing and sourcing prospective clients, capitalizing on referrals, assessing customer needs, referring customers to the appropriate internal specialists, and executing highly customized solutions to meet client needs
+ Recommending investment products and services that are suitable for prospects based on their objectives, resources, time horizon, risk profile and preferences
+ Balancing investment growth, referral activities, customer follow up, prospect building, administrative compliance and personal growth and development according to both a day-to-day and longer-term planning
+ Organizing and managing resources (time, people, budget) to run a productive practice
+ Seeking the expertise of specialists, where appropriate, to identify planning and investment strategies for a client
+ Completing mandated training, assessments, performance goals and continuing education requirements
**We'll help you**
+ **Build a successful career** at Bank of America through world-class training and on-boarding programs that set you up for success.
+ **Get training and one-on-one coaching** fromour-award winning Academy at Bank of Americaand local leadership who are invested in your success.
+ **Grow your business knowledge** by using a defined consultative approach to systematically identify client needs and appropriate solutions.
+ **Provide end-to-end comprehensive advice** , deliver clientreviews/presentationswith confidence and recommend strategies to help achieve their financial goals and life priorities.
+ **Collaborate with core banking and investment partners.** Connect to all the solutions we provide through Bank of America and Merrill to meet virtually all their financial needs.
**Required Qualifications:**
+ Displays confidence working as a self-starter in a sales role
+ Builds strong client relationships through effective communication and collaboration
+ Displays a proactive mindset and effective time management
+ Demonstrates a results-driven growth mindset and prioritizes client interests
+ Identifies appropriate client solutions through application of learnings and new information
+ Exceptional interpersonal and relationship building skills
+ Effective communication skills (written and verbal)
+ Proven ability to quickly build trust and credibility
+ Proven ability to assess needs of and recommend appropriatesolutions
+ Proven ability to work both collaboratively on a team with key partners and independently
+ Proven ability to listen and probe for clarity and understanding
+ Entrepreneurial mindset with a proven ability to source clients through extensive prospecting and networking
+ Strong follow-through skills
+ Computer/technical literacy and proficiency in applications such as Microsoft Suite
**Desired Qualifications:**
+ Bachelor's degree and/or a minimum of one year of work experience
+ Learns and adapts to new technology or applications
+ Executes multiple tasks simultaneously
**Job Responsibilities:**
+ Partners with Financial Advisors, Client Relationship Managers, and Market Supervision Managers on all aspects of client servicing, risk, investments, and banking products, while receiving appropriate guidance and escalating issues as needed
+ Provides excellent Client Service to the bank's clients through educating them on all of the bank's service and banking offerings
+ Ensures timeliness, accuracy, and completeness in client materials and follows up on all client and Financial Advisor (FA) requests
+ Assists with ensuring practices are in alignment with the bank's policies and procedures to support operational excellence, protect the bank's clients, and manage risk
+ Identifies, deepens, and maintains client relationships through emphasizing the bank's offerings and promoting incorporation of banking into day-to-day practices, while communicating outputs to the FA
+ Performs general business growth support functions aligned to the role of the Client Associate or Wealth Management Client Associate, providing business development, investment solutions, and/or business management support to multiple FAs
**Skills** **:**
+ Account Management
+ Client Management
+ Customer and Client Focus
+ Issue Management
+ Oral Communications
+ Business Development
+ Client Solutions Advisory
+ Pipeline Management
+ Prioritization
+ Trade Operations Management
+ Administrative Services
+ Client Investments Management
+ Emotional Intelligence
+ Referral Identification
+ Written Communications
This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in your immediate termination.
**Shift:**
1st shift (United States of America)
**Hours Per Week:**
37.5
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
View your **"Know your Rights (************************************************************************************** "** poster.
**View the LA County Fair Chance Ordinance (************************************************************************************************** .**
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
Financial Solutions Advisor - Lindell, MO
Saint Louis, MO job
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Description:
This job is responsible for providing comprehensive advice and customized solutions to clients to help them achieve their financial goals. Key responsibilities include triaging client leads, making referrals to business partners based on client needs and asset thresholds, meeting with clients to review financial and investment goals, building a financial plan, and recommending brokerage products. Job expectations include applying and expanding knowledge by completing required licenses and trainings. This position may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
Responsibilities:
* Works with clients to plan their short and long-term financial goals by building a financial plan with brokerage products, including stocks, bonds, mutual funds, annuities, and banking and money managed solutions
* Recommends banking and investments strategies that align with client financial goals and needs
* Triages client requests and makes referrals to appropriate internal service providers based on client needs and asset thresholds
* Mitigates and controls risk as part of daily activities
* Identifies and engages potential new clients through referrals or financial center clientele
* Provides coaching and feedback to referral partners based on knowledge of client needs and potential product services recommended
Required Qualifications:
* Currently holds Series 7 and 66 (63 and 65 in lieu of 66) licenses; if you do not currently hold the 66 but have either a 63 or 65, an offer can be extended with the condition that a passing score is received for the missing series within 60 days
* Minimum of one year of experience in the investments industry, including investment training and in-depth knowledge of investment products and services
* Minimum of one year of experience working in the financial service industry and/or a sales environment where goals were met or exceeded
* Sets and accomplishes goals, achieving whatever one sets their mind to
* Builds and nurtures strong relationships
* Collaborates effectively with others to get things done
* Communicates effectively and confidently and is comfortable engaging all clients
* Manages goals, navigates complexity, prioritizes tasks and executes in a fast-paced environment
* Likes to learn, adapts to new information and seeks the right solutions for clients
* Efficiently manages time and capacity
* Thorough and thoughtful in incorporating relevant regulatory due diligence into daily activities and long-term strategies for clients
Desired Qualifications:
* Strong computer skills with an ability to multitask in a demanding environment
* Minimum of three years of experience working in the financial service industry and/or a sales environment where goals were met or exceeded
* Achieved additional professional designations such as Certified Financial Planner (CFP) and/or Chartered Retirement Planning Counselor (CRPC)
* Obtained insurance licenses
Skills:
* Account Management
* Advisory
* Client Experience Branding
* Customer and Client Focus
* Oral Communications
* Active Listening
* Attention to Detail
* Client Solutions Advisory
* Issue Management
* Pipeline Management
* Causation Analysis
* Client Management
* Policies, Procedures, and Guidelines
* Risk Management
* Written Communications
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
40
Lead Operations Representative
Saint Louis, MO job
College Park, Georgia;Saint Louis, Missouri **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (*******************************************************************************************************
**:**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. **Join us!**
**:**
This job is responsible for handling day-to-day Operations processes and working towards deadlines. Key responsibilities include completing all workflows, providing guidance to other team members, assisting internal business partners, and providing functional expertise. Job expectations include performing routine and various item processing functions under moderate supervision within a process that has built-in checks and balances.
**LOB Job Description:**
Individual contributor role that demonstrates leadership qualities. Processes transactions in one or more of the company's internal operations to support domestic and international consumer, commercial and wholesale bank businesses or services functions. Responsibilities may include: basic level reporting, customer service support, reviewing and processing transactions for item processing, , reconciling, statement rendering, and performing other support operations functions as required. Maintains internal operational and financial controls and ensures they meet bank standards. Ensures quality service and effective and efficient operations support for the assigned area's internal business partners and/or external customers/clients. Performs all the functions required and typically acts as a workflow coordinator and/or a subject matter expert. Able to prioritize and distribute daily work to meet deadlines and goals. Demonstrates a good working knowledge of the processes and procedures and the ability to identify and implement process improvement opportunities. May provide guidance and direction to less experienced team members
**Responsibilities:**
+ Contributes to overall success of an Operations team as an individual contributor
+ Handles operational activities and queries for either single or multiple Lines of Business across the enterprise
+ Adheres to deadlines set internally within the business unit or those in agreed Service Level Agreements with internal or external business partners
+ Provides functional expertise knowledge to projects or initiatives relating to the business unit
+ Maintains internal operational and financial controls and works within the risk appetite of the business unit
+ Continues to review processes to ensure they are efficient and implements process improvement opportunities
**LOB Specific Responsibilities:**
+ Works with Managers and Team Leads to handle inquiries received from high revenue clients via email or internal request system.
+ Requests consist of treasury, cash managementand/or depository products.
+ May also work with internal business partners to provide resolution to client inquiries, issues, and/or technical support.
+ Responsible for reading, analyzing and/or determining appropriate research, handling and resolution of requests.
+ Interacts continuously and deepens relationships with internal business partners as well as clients to further enhance client delight;
+ Conduct limited research and respond to internal business partner and be able answer questions and inquiries; Utilize the various bank systems to support client requests.
+ Support business during process disruptions which can result in a need to work overtime.
+ Ensures daily return checks processed, meeting REG CC requirements.
**Required Qualifications:**
+ **Ability to work Monday through Friday 11:45 am -8:15 pm ET OR 10:45 am -7:15pm CT, with occasional need to stay longer to meet service level agreements.**
+ **1+ years of experience working with Bank Operations and Check products.**
+ 1+ years of experience resolving client requests with internal business partners.
+ Intermediate proficiency in written (including grammar and spelling) and verbal communications
+ Effective interpersonal skills.
+ Ability to analyze, research and resolve client inquiries.
+ Ability to work independently with little direction and meet client service level agreements
+ Comfortable receiving ongoing performance feedback and coaching.
+ Comfortable with ongoing change and learning new technology/processes.
+ At least an intermediate ability in PC computer skills while navigating multiple banking systems
**Desired Qualifications:**
+ Experience in Check Fraud detection a plus
**Skills:**
+ Active Listening
+ Adaptability
+ Attention to Detail
+ Collaboration
+ Data Collection and Entry
+ Critical Thinking
+ Customer and Client Focus
+ Oral Communications
+ Planning
+ Reporting
+ Account Management
+ Conflict Management
+ Decision Making
+ Inclusive Leadership
+ Process Management
**Shift:**
2nd shift (United States of America)
**Hours Per Week:**
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
View your **"Know your Rights (************************************************************************************** "** poster.
**View the LA County Fair Chance Ordinance (************************************************************************************************** .**
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
Business Support Manager II
Saint Louis, MO job
Tampa, Florida;Newark, Delaware; Addison, Texas; Charlotte, North Carolina; Phoenix, Arizona; Westlake Village, California; Saint Louis, Missouri **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.**
Acknowledge (***********************************************************************************************
**:**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
**For internal employees; participation in a work from home posture does not make you ineligible to post.**
**Job Description:**
Manages diverse administrative functions usually for a very large, complex department or for a complete line of business that may be regional or national in scope, often requiring associates in one or more location. Functions managed may include: financial control/budgeting and consolidation, personnel processes, audit/compliance, premises, and coordination of certain projects, associate training, service quality, process improvement, business continuity, or communication. Consults with senior management in evaluating current methods and developing strategies to implement changes and improvements. Requires a thorough knowledge of the department or business units functional area or products. Working knowledge of general bank policies, programs and procedures and financial/accounting practices. Generally has full management responsibility over a relatively large team and may manage one or more levels of managers.
Leads the support/administrative functions for a somewhat large department usually at a local level. Responsibilities may include budget analysis and recommendations, operations analysis, identification and resolution of work flow issues, associate training, service quality, process improvement. Resolves personnel, audit and/or budget issues by researching and analyzing unusual problems, administers bank programs and policies and provides interpretation to department. Requires an in-depth knowledge of bank policies and programs and of the departments functional operations. May direct workflow activities.
Specialized Servicing and Fulfillment Operations (SSFO) is a dynamic organization committed to delivering best-in-class care for clients and internal partners. We specialize in situations that require a compassionate touch, high attention to detail, management of high risks, adjustments for unique product or situation combinations and education of internal partners. We respond rationally, but rapidly to an ever-evolving set of products, compliance requirements, and client needs. SSFO practices process excellence in every facet of our operation and is committed to creating a work environment that drives positive employee engagement and growth.
The SSFO Team is seeking a Business Support Manager II to provide operational support for all functional areas within the business. The role will handle routine deliverables and other diverse administrative functions which requires a thorough knowledge of the department's or business unit's functional operations. The ideal candidate will be highly organized, detail-oriented, and able to work in a fast-paced environment. The candidate will be comfortable working in a team setting and producing independent work product and completing assignments within deadlines.
**Managerial Responsibilities:**
This position may also have responsibilities for managing associates. At Bank of America, all managers at this level demonstrate the following responsibilities, in addition to those specific to the role, listed above.
+ Opportunity & Inclusion Champion: Models an inclusive environment for employees and clients, aligned to company Great Place to Work goals.
+ Manager of Process & Data: Demonstrates deep process knowledge, operational excellence and innovation through a focus on simplicity, data based decision making and continuous improvement.
+ Enterprise Advocate & Communicator: Communicates enterprise decisions, purpose, and results, and connects to team strategy, priorities and contributions.
+ Risk Manager: Ensures proper risk discipline, controls and culture are in place to identify, escalate and debate issues.
+ People Manager & Coach: Provides inspection, coaching and feedback to motivate, differentiate and improve performance.
+ Financial Steward: Actively manages expenses and budgets in alignment with objectives, making sound financial decisions.
+ Enterprise Talent Leader: Assesses talent and builds bench strength for roles across the organization.
+ Driver of Business Outcomes: Delivers results by effectively prioritizing, inspecting and appropriately delegating team work.
**Required Qualifications:**
-Minimum 3+ years experience or relevant work experience
-Prior experience handling multiple facets of an end-to-end business: financial management, project management, governance, operations and technology management, and executive routine coordination
-Strong analytical skills, with an investigative mindset and ability to use data to enhance efficiency and develop reporting to drive business insights
-Strong partnership and relationship management skills; ability to work and effectively communicate across functions and organizational lines/levels
-Prior experience managing multiple projects and adjusting to changing deadlines
-Strong presentation skills and the ability to present key messages, effective recommendations, and information in a clear, concise, insightful, and influential way
-Strong analytical and organizational skills with a focus on attention to detail
-Ability to think strategically across the organization to identify opportunities to improve overall performance efficiency
-Flexibility - ability to adjust to changing/competing priorities
-Ability to decompose complex issues and drive timely decisions, knowing when to engage others for additional input, and when to act independently
-Excellent written / verbal communication skills and executive presence
-Advanced/Expert MS Office skills, especially Excel and PowerPoint
-Extremely organized/excellent time management skills with ability to manage and prioritize competing priorities
-Proven ability to develop executive ready communications and presentations that synthesize data and tell the story
-Self-starter, high energy, and detail oriented; ability to work with minimal supervision
**Skills**
-Active Listening
-Attention to Detail
-Collaboration
-Critical Thinking
-Written Communications
-Decision Making
-Influence
-Oral Communications
-Prioritization
-Problem Solving
-Adaptability
-Customer and Client Focus
-Data Management
-Emotional Intelligence
-Risk Management
**Shift:**
1st shift (United States of America)
**Hours Per Week:**
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
View your **"Know your Rights (************************************************************************************** "** poster.
**View the LA County Fair Chance Ordinance (************************************************************************************************** .**
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.
Estate Settlement Advisor - Commerce Trust
Clayton, MO job
About Working at Commerce Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.
Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.
Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let's talk.
Compensation Range
Annual Salary: $80,000.00 - $107,000.00 (Amount based on relevant experience, skills, and competencies.)
For more than a century, Commerce Trust has been a leading provider of wealth management services including financial planning, estate and tax planning, investment management, private banking and trust administration services. Our approach to wealth management means assembling a team of seasoned wealth management professionals across disciplines who collaborate to ensure each client's financial journey is uniquely crafted for their goals. Commerce Trust is a division of Commerce Bank.
About This Job
The main purpose of the Estate Settlement Advisor (ESA) is to serve our clients and partner with our Private Client Advisors (PCA's) in any decedent matters that result in Commerce Trust (CT) being appointed as Personal Representative or Successor Corporate Trustee, including deaths of Grantors of Revocable and Irrevocable Trusts with Commerce Trust as Trustee, or where CT has been retained by the Trustee or Personal Representative to perform these duties in an Agency relationship.
Essential Functions
* Manage an assigned portfolio of accounts through the estate settlement process of which a high percentage will be low to moderately complex in nature. The degree of complexity is generally corelated to the size and nature of the gross estate, terms of governing document/s, asset mix, number of decision makers, beneficiaries, and other attributes that will increase the time and expertise required to successfully administer the estate.
* Manage assigned portfolio of accounts with supervision
* Participate in meetings with Wealth Management Consultant (WMC) and Private Client Advisor (PCA) to support ongoing development of new business opportunities that involve Estate Settlement
* Participate in client meetings with PCA to support transition of responsibilities to ESA and provide overview of process for beneficiaries
* Complete necessary due diligence and coordination of approval or declination to serve as Trustee or Personal Representative in accordance with CT policies and procedures
* Manage responsibilities in a way that instills confidence in CT and enhances the ability to retain business upon completion of estate settlement process
* With supervision, interpret the governing instrument and applicable law to establish account records, including payment and fee schedules. Write to beneficiaries and co-fiduciaries to outline administrative procedures.
* Communicate with portfolio managers regarding investment objectives and liquidity needs
* Identify, collect and secure decedent's tangible and intangible assets
* Perform other duties as assigned
Knowledge, Skills & Abilities Required
* Working knowledge of wealth management services, such as wealth transfer planning, taxation, estate planning, and wealth management products and services acquired through work-related experience
* Understanding of fundamental legal, tax, and financial concepts
* Ability to work in a team-based environment, assist with tasks, and participate in meetings effectively
* Professional presence and approach with a desire to meet client expectations
* Willingness to learn and develop skills through continuing education
* Ability to support and collaborate with team members
* Strong customer service skills to interact with clients and address their needs
* Problem-solving skills to identify issues and propose solutions
* Basic research skills to gather and analyze information
* Ability to maintain a valid driver's license and meet Commerce Bank's driving record criteria; ongoing employment may be contingent upon meeting all driving requirements
* Motivated and organized self-starter with strong attention to detail and the ability to manage basic priorities
* Inquisitive, agile, and strong team player with good written, verbal, analytical, and interpersonal communication skills
* Ability to remain adaptable and resilient to all situations with an optimistic outlook and align with our culture and Core Values
* Basic level proficiency with Microsoft Word, Excel, Teams, and Outlook
Education & Experience
* Bachelor's degree or equivalent combination of education and experience required
* 3+ years of relevant trust and estates settlement experience as paralegal or similar role within the wealth management industry required
* Experience working with high-net-worth clients in an advisory and fiduciary perspective preferred
* Certified Financial Planner (CFP) and/or Certified Trust Fiduciary Advisory (CTFA) designation preferred
Level of role is determined by knowledge, experience, skills, abilities, and education
* For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Estate Settlement Advisor I & II - CTC job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $80,000 to $107,000 annually. This position will be eligible for additional compensation through performance-based incentive plan(s) that will correspond to meeting performance goals.
The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.
Location: 8000 Forsyth Blvd, Clayton, Missouri 63105
Time Type:
Full time
Auto-ApplyCommercial Banking Expansion Market Trainee
Clayton, MO job
About Working at Commerce Building a career here is more than just steps on a ladder. It's about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn't stop there. Our culture is about our people, the ones in our communities and the ones that work with us.
Here, you'll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You'll have the space and resources to grow into the best version of yourself. Because our number one investment is you.
Creating an award-winning culture doesn't come easy. And after more than 155 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let's talk.
Compensation Range
Hourly: $28.85 - $31.25 (Amount based on relevant experience, skills, and competencies.)
About This Job
Are you ready for an adventure? This is an opportunity to be part of a focused development program designed to launch successful careers in Commercial Banking. This position is focused on preparing you to be a successful and productive Commercial Banker in one of Commerce Bank's high growth expansion market in Nashville, Tennessee & Grand Rapids, Michigan.
During the program, you will spend approximately one year embedded with our Corporate Commercial Banking teams in our St. Louis headquarters while also residing in that city. Additional time may be required depending on the applicant's prior education and experience. Once you've completed the program you will be transferred to our Nashville or Grand Rapids expansion market.
You'll work alongside our commercial banking teams and bank executives to help our customers solve their everyday financial needs. Don't have commercial banking experience? Don't worry. We will provide all the necessary training to build the skills required to be successful. If you're a go-getter who loves to learn and win, we'd love to talk.
Essential Functions
* Participate in cross-functional rotations across various business lines to leverage and develop leadership skills while also gaining an understanding of the commercial bank and commercial payments solutions
* Attend community and business functions, participate in networking groups to ensure a positive image for the bank and grow key networking with contacts in the marketplace
* Collaborate with commercial banking teams and product partners to identify prospective clients' financial needs and add value through a full range of products and services
* Support the comprehensive management of existing commercial relationships to ensure a high level of customer satisfaction and retention
* Facilitate credit requests, including loan structuring, negotiating/pricing, collateral, ensuring adequate loan documentation, and analyzing industry/credit risk
* Maintain loan reporting and ensure compliance with all bank policies, procedures, regulations, and laws
* Perform other duties as assigned
Knowledge, Skills & Abilities Required
* Basic knowledge of the banking/accounting/finance field
* Basic analytical skills using financial and accounting principles
* Strong relationship building skills and propensity for sales
* Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
* Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
* Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
* Intermediate level proficiency with Microsoft Word, Excel and Outlook
* Ability to maintain a valid driver's license and meet Commerce Bank's driving record criteria; ongoing employment may be contingent upon meeting all driving requirements
Education & Experience
* Bachelor's degree in a business-related field
* 1+ years of financial services or sales experience required
For this position, Commerce Bank will review your motor vehicle driving record. If you express interest in and are considered for this position, you'll be asked to authorize our review of that record.
* For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Expansion Market Trainee - Commercial Banking job and contemplates a wide range of factors that are considered in making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, it is not typical for an individual to be hired at or near the top of the range for their role, and compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $28.85 to $31.25 per hour.
The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.
Location: 8000 Forsyth Blvd, Clayton, Missouri 63105
Time Type:
Full time
Auto-ApplyPersonal Banker I
Great Southern Bank job in Brentwood, MO
Come be a part of something greater! Great Southern Bank is committed to fostering an environment where everyone can contribute and succeed at every level. We celebrate and value differences in age, outlook, cultural background, lifestyle, and physical ability. We offer career opportunities and advancement across a wide range of disciplines. Come join our team of customer service experts today!
General Description
Responsible for attaining sales goals, providing customer support and service, and developing customer relationships. Meet or exceed all production goals, Banking Center Associate Standards, and regulatory requirements.
Essential Duties and Responsibilities
Implements and administers procedures to attain established performance goals set forth by Management. Meets or exceeds all production goals. This duty is performed about 35% of the time.
Develops customer relationships by identifying needs and making appropriate recommendations for products and/or services. Expands existing relationships and attracts new business by seeking referrals from all customers and soliciting products and services by phone. Consistently and accurately uses CRM program in various capacities, including customer profiling. This duty is performed about 25% of the time.
Provides professional, courteous service to all customers including opening new accounts and processing loan requests. Meets or exceeds Secret Shop score expectations. This duty is performed about 20% of the time.
Maintains a strong working knowledge of and ensures full compliance with all applicable banking regulations. Maintains confidentiality of customer account information, security alarm codes and general codes used within the facility. Ensures effective implementation of bank security policies and procedures, and attends annual BSA and Security training. Performs new account opening with minimal errors. This duty is performed about 20% of the time.
Maintains regular and reliable attendance, punctuality and personal appearance. Reads, writes, and communicates in a clear and efficient manner via various types of correspondence, such as, in person, phone, email, letters, etc. Adheres to all company policies and procedures, as well as all applicable banking rules, regulations, and laws (including BSA/AML).
Performs any other related duties as required or assigned.
Education and Experience Requirements
High school diploma or GED
1 to 2 years of related experience and/or training
At least one year of sales/customer service experience preferred
Prior banking experience is preferred
Regular use of desktop/laptop computer, basic operating systems, and specialized software systems.
Basic experience with alphanumeric data entry, PowerPoint, Excel, and word processing
Ability to add, subtract, multiply and divide
License, Certification, and Registration Requirements
A valid motor vehicle operator's license and/or ability to travel to training sites and other banking center
locations is required.
Must be registered under the Nationwide Mortgage Licensing System (NMLS) or become registered upon hire.
State Life Insurance License or ability to pass Life License Exam preferred.
Notary license preferred.
This position is eligible for additional incentive compensation, awarded based on achievement of established goals.
At Great Southern Bank, we are willing to accommodate for those with reasonable requests. If you need assistance at any point during the application process (completing applications, interview prep, etc…), please contact Human Resources at ************.
Great Southern Bank is proud to be an Equal Opportunity Employer, treating all candidates and employees equitably without regard to race, color, sex, religion, national origin, ancestry, age, disability, protected veteran status, gender identity, sexual orientation, pregnancy, or any other basis prohibited by law.
Monday - Friday 8:15 AM to 5:15 PM; Rotating Saturday 8:45 AM to 12:15 PM
Total Hours: 40
5769
BCGSB
Auto-ApplyTeller I
Great Southern Bank job in Affton, MO
Come be a part of something greater! Great Southern Bank is committed to fostering an environment where everyone can contribute and succeed at every level. We celebrate and value differences in age, outlook, cultural background, lifestyle, and physical ability. We offer career opportunities and advancement across a wide range of disciplines. Come join our team of customer service experts today!
General Description
Provides a variety of customer service functions, including product referrals and meeting Banking Center Associate Standards. Provide exemplary customer service. Process a variety of financial transactions in a timely and accurate manner. Maintain security of assigned cash, balancing each day's transactions and verifying cash totals.
Essential Duties and Responsibilities
Accountable for representing the bank in a courteous and professional manner; knowledgeable of 5 Winning Ways of Customer Service and implements on a daily basis. Meets or exceeds Secret Shop score expectations. This duty is performed about 20% of the time.
Has a basic working knowledge of and routinely refers customers to appropriate Great Southern services and products. Meets or exceeds referrals expectations. Consistently and accurately uses CRM program. This duty is performed about 20% of the time.
Responsible for balancing each day's transactions and verifying cash totals. Responsible for locating any cash differences and ensuring that they are properly documented and reviewed. Meets or exceeds balancing expectations. This duty is performed about 20% of the time.
Processes all transactions efficiently and accurately. Meets or exceeds POD error expectations. This duty is performed about 15% of the time.
Maintain confidentiality of customer account information, security alarm codes, and general codes used within the facility. Ensures effective implementation of bank security policies and procedures, and attends annual BSA and Security training. This duty is performed about 10% of the time.
Ensures full compliance with and implementation of all bank policies and procedures. Is familiar with and has working knowledge of appropriate banking regulations. This duty is performed about 15% of the time.
Maintains regular and reliable attendance, punctuality and personal appearance. Reads, writes, and communicates in a clear and efficient manner via various types of correspondence, such as, in person, phone, email, letters, etc. Adheres to all company policies and procedures, as well as all applicable banking rules, regulations, and laws (including BSA/AML).
Performs any other related duties as required or assigned.
Education and Experienc e Requirements
High school diploma or GED
0 to 6 months of related experience or training
Prior banking or cash handling experience is preferred
Regular use of desktop/laptop computer, basic operating systems, and specialized software systems.
Basic experience with alphanumeric data entry, PowerPoint, Excel, and word processing
Ability to add, subtract, multiply and divide
At Great Southern Bank, we are willing to accommodate for those with reasonable requests. If you need assistance at any point during the application process (completing applications, interview prep, etc…), please contact Human Resources at ************.
Great Southern Bank is proud to be an Equal Opportunity Employer, treating all candidates and employees equitably without regard to race, color, sex, religion, national origin, ancestry, age, disability, protected veteran status, gender identity, sexual orientation, pregnancy, or any other basis prohibited by law.
Monday - Friday 1:30 PM - 5:30 PM; Rotating Saturday 8:30 AM - 1:30 PM
Total Hours: 20-25
5749
Auto-ApplyCredit Analyst III- FAM Specialist
Saint Louis, MO job
Saint Louis, Missouri **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (************************************************************************************************************
**:**
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
**Job Description:**
The AB (Asset-Based) Portfolio Specialist manages a portfolio of asset-based structured loans in a variety of industries. The AB Portfolio Specialist is responsible for actively monitoring financial and collateral trends and recommending appropriate action. Responsibilities also include reviewing requests for loan modifications, analyzing financial performance, negotiating terms, drafting proposals, reviewing documents, and preparing recommendations for approval.
The FAM Specialist ("Specialist") is responsible for the timely completion of accurate financial statement spreads and risk ratings in support of underwriting new credit requests, renewals, and traditional portfolio monitoring. The Specialist will also perform annual reviews on client relationships in alignment with Business Unit policy and procedures.
**Responsibilities:**
+ Build trust and strong relationships and proactively drive engagement with Underwriting, Credit Executive and Client team partners.
+ Spread and analyze complex financial information, including Personal Financial Statements, Brokerage statements, Personal Tax Returns and Schedule K-1s, Business financials, etc. for high-net-worth clients.
+ Accurately risk rate clients using regulatory definitions, good credit judgement and the Risk Rating Scorecard tool.
+ Effectively and concisely communicate spreading and risk ratings outcomes with key business partners.
+ Understand and leverage tools, systems, and applications used in day-to-day functions such as Excel, Outlook, GUS, Loan IQ, EDR, Risk Rating Scorecard, etc.
+ Understand and accurately apply risk rating scorecard and spreading guidance.
**Required Qualifications:**
+ Experience: 3-5 years in credit analysis, accounting, financial analysis, or a closely related credit risk role, including financial covenant testing and the ability to interpret and apply Commercial credit agreement terminology and concepts.
+ Policies and Procedures: 2+ years of credit analysis experience with Commercial credit policies and procedures
+ Technical Skills: Proficient in interpreting various Commercial loan documents.
+ Credit Analysis: Strong working knowledge of commercial loan structures and financial statement analysis, including personal financial statements, brokerage statements, rent rolls, and NOI statements; ability to identify and escalate early signs of credit deterioration, within the Commercial credit structure.
+ Operational Support: Exposure to GMS/Tableau reporting, documentation management, and process improvement.
+ Project Coordination: Capable of independently running analysis on credit supported small projects and streamlining team operations.
+ Systems Knowledge: Working proficiency with Commercial loans, collateral, client data and workflow systems along with SharePoint, and Adobe Acrobat.
**Desired Qualifications:**
+ Bachelor's degree in Accounting, Finance or equivalent experience
+ System knowledge of LIQ, PACE, GMS, GUS, EDR, Genesis, Image Trust, Navigator, SharePoint , KYC, Adobe Acrobat Standard
**Skills:**
+ Attention to Detail
+ Client Management
+ Decision Making
+ Underwriting
+ Credit Documentation Requirements
+ Critical Thinking
+ Portfolio Management
+ Problem Solving
+ Written Communications
+ Financial Analysis
+ Negotiation
**Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent
**Shift:**
1st shift (United States of America)
**Hours Per Week:**
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
View your **"Know your Rights (************************************************************************************** "** poster.
**View the LA County Fair Chance Ordinance (************************************************************************************************** .**
Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.