Client Service Specialist

About Studio Bank:

Studio Bank's mission is to empower creators. (And we're all creating something.) Whether you're designing a company or creating a better life for your family, crafting a song or writing code, orchestrating social change or enhancing the quality of care, we want to collaborate with you. A studio is a place where creators do their thing. Welcome to yours.

From our inception, we invested a lot of time defining what a "best place work" means to us. What developed from those conversations (and continues to develop) is a vision for a company with a clear purpose and mission, with a culture that inspires accountability, trust, commitment, transparency, initiative, fellowship, collaboration, innovation, continuous learning, fun, and ultimately a wonderful quality of life. Our company is proudly certified as a Nashville Living Wage Employer and has been repeatedly recognized as one of the Nashville's Business Journal's "Best Places to Work"!

At Studio Bank, we are committed to an exceptional employee experience, unlike any other in Nashville and Chattanooga today - from culture and values to rewards, recognition, and development (and everything in between).

Careers at Studio include competitive benefits and wellness offerings, equity ownership, continuous learning, open-door access to leadership, community involvement, and plenty of perks!

Position Summary:

A Client Service Specialist is the primary support of the relationship manager who is the client facing representative of the bank whose responsibility it is to solicit commercial clients and their principals for their banking product needs and then coordinate with the appropriate Studio Bank staff in the delivery and service of those products.

Essential DutiesResponsibilities:

• Provides service directly to clients on their deposit, treasury management, loan and other banking products.
• Provides service indirectly to clients per requests by relationship managers.
• Regularly monitors and acts upon routine bank issues including daily overdraft reports, loan past dues, overdrawn accounts, maturing loans, deposit and loan exceptions, etc.
• Maintains an understanding of banking regulations and bank policies and procedures while handling client service duties.
• While interacting with clients, being mindful of product and service sales opportunities and proactively sell these directly to the client or bring them to the attention of the relationship manager.
• Sets up commercial loan files, responsible for maintaining department files in an accurate and efficient manner.
• Works with relationship managers, loan processors, and third-party professionals (attorneys, appraisers, inspectors, etc.) in order to close loans in conformity with approved terms and conditions.
• Reviews all loan documents prior to closing to ensure that they will cover the intended collateral and document the borrower's and guarantor's obligations to the bank.
• Performs procedures related to loan advances, pay downs, and disbursement process.
• Reviews documentation of commercial and consumer loan closings.
• Conducts regular and routine department assessments to ensure departmental controls, policies, and procedures are achieving accurate and desired results.
• Interacts with auditors, examiners, compliance team, and legal team to assist in Bank reviews and examinations.
• Proactively implements clean-up procedures and corresponding changes when necessary and as appropriate.
• Follows-up and corrects any items addressed and ensures necessary changes or recommendations have been implemented as directed in a timely manner.
• Regular and reliable attendance.
• Other duties as assigned.

Essential Competencies:

• Strong interpersonal skills both with external contacts and other bank employees
• Thorough knowledge of the bank's deposit and loan products
• Thorough knowledge of the loan operating system (training to be provided by the bank)
• General knowledge of loan documentation and the various types of company organizational documentation
• General knowledge of the bank's other products and services
• Ability to maintain confidentiality
• Proficient technology skills
• Proficient user of Microsoft Office products
• Excellent communication skills, both written and verbal
• Persuasive communication skills
• Effective problem solving and decision-making skills
• Ability to manage multiple priorities
• Time management skills
• Resourceful and well-organized

Essential Experience:

• At a minimum should have two years of banking experience.
• Experience with bank operating systems.

Preferred Experience:

• At least five years banking experience
• At least two years of experience supporting one or multiple commercial bankers by opening deposit accounts, managing the loan origination process, and providing routine client services related to deposit, treasury management and loan products,
• At least two years of experience with direct contact with clients.

Essential Education:

• High school diploma or equivalent required. Bachelor's degree (B.A.) from four-year college in a Business Administration discipline is preferred.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

• The ability to sit for lengthy periods of time.
• Frequent use of computer, calculator, and other office equipment.
• While performing the duties of the job, the employee is regularly required to stand, sit, walk, use hands to finger, handle or feel, reach with hands and arms, stoop, kneel, crouch, crawl, talk and hear.
• Physical mobility and the ability to exert up to 50 pounds of force occasionally and up to 20 pounds of force frequently.
• Visual acuity to perform activities such as: preparing and analyzing data, inspecting handwriting and documents, viewing a computer terminal, expansive reading and using measurement devices.
• The physical environment includes inside conditions in which there will be protection from weather conditions but not necessarily from temperature changes.
• Flexibility to deal with changing work hours and locations as needed.