Commercial Relationship Specialist II

Commercial Relationship Specialist II This position is responsible for providing diversified support to the process of originating commercial loans. The Commercial Relationship Specialist II (CRS II) will assist the Commercial Relationship Managers with customer and administrative support. The CRS II actively leads within the loan workflow process. The CRS II assumes full ownership and responsibility for all administrative and support processing for loans from application to closing. The CRS II acts as the liaison between the Relationship Manager and customers, acting as the point of contact for established customers. The CRS II additionally acts as an integral teammate between the commercial lending, credit services and loan operations departments to enhance communications, provide support in documentation gathering and in answering applicable questions. Essential Functions: Understand all relevant bank lending policies, procedures and regulations and perform duties in such a way as to maintain compliance with stated standards and/or acts. Set up, manage and provide ongoing maintenance to electronic customer files. Monitor application pipeline for compliance with applicable regulations, including Reg B. Actively collaborate with Relationship Managers, Credit Operations, Credit Analysts and Credit Underwriters to transition loans from application to closure. Proactively participate throughout the loan workflow process by entering new loan requests in loan origination system, submitting new loan requests for analysis, conduct research on borrower, guarantor and collateral, provide applicable disclosures and complete due diligence based on loan structure and collateral. Prepare the loan for credit action, set up client credit files and submit the credit for underwriting. Maintain client credit files throughout the process. Manage the loan closing process ensuring that all conditions of loan approval are satisfied and documented prior to closing and funding of the loan. Assumes ownership of preparing the commitment documentation, presenting the offer, clearing of conditions to close and coordinating the loan documentation package. Initiate and maintain communication with appropriate stakeholder to the loan closing process, including attorneys, accountants, closing agents, insurance agents, realtors, and borrowers. Schedule loan closings and coordinate with Pre-closing. Order and review loan documents for accuracy and completeness to ensure all documents are properly executed by relationship manager. Disburse loan proceeds, close out workflow, and add to tracking spreadsheet before forwarding to Post-Close for booking. Complete the process for adverse/withdrawn loans. Prepare financial request letters. Process, track and update ticklers for financials and covenants. Assist in pending loan issues with other departments. Assist customers with questions, payments, advances and loan inquiries. Prepare documents in Word and Excel. Screen calls, e-mails and processing mail and invoices, ordering office supplies. Register with PAN to be a notary for loan documents/closings. Support the achievement of lending department KPIs for loan volume and quality of processing: One business day from application hitting queue through submission to credit; Accurate completion of submission to credit (monitored by errors and completion of package); and Error rate on loans closed. Performs tasks with little supervision. Perform other duties needed to help drive to our Vision, fulfill our Mission, and abide by our Organization's Values. Required Education and Experience: High school diploma or GED required. Associates Degree and/or graduate of a professional secretary or administrative assistant school preferred. 2-3 years of relevant lending experience; preferably within an agricultural or commercial lending bank environment. Advanced understanding of MS Office (PowerPoint, Word, Excel). Sound judgment and problem solving abilities. Excellent telephone etiquette. Ability to effectively prioritize and handle a number of demanding tasks simultaneously. Must be able to maintain confidentiality and possess excellent communication skills. Familiar with lending software, document imaging and filing systems. Competencies: ENB Operational and Functional Competencies Professional Knowledge Financial Monitoring & Analysis Supervisory Requirements: This position has no supervisory responsibilities. Work Environment: This job operates in a professional work environment. This role routinely uses standard office equipment such as computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. Due to physical location of this position, phone ringing, and people conversing, it may be difficult to hear at times and therefore easily distracting. Physical Demands: Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers. Position Type and Expected Hours of Work: This is a full-time position. Flexibility in schedule is required, particularly when meeting deadlines, and is crucial including possible periods of overtime. Travel: This position may require travel. EEO Statement: Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer. It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination. This job description reflects management's assignment of essential functions and position responsibilities. Nothing in this job description restricts management's rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank's procedures and to act as a role model in the adherence to the banks polices.

Created: 2026-03-05