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Enterprise Bank & Trust was founded in the spirit of entrepreneurship and community. From the small mom-and-pop coffee shop to the large construction company that employs local people, our goal is to help businesses succeed and our communities thrive. With offices in Arizona, California, Florida, Kansas, Missouri, New Mexico, Nevada and Texas, we're strong, growing and committed to supporting the communities we serve. We extend this commitment to the community to our associates, offering annual paid volunteer time off and charitable-matching opportunities. Voted a Best Bank to Work For by American Banker for multiple years, we offer our associates an array of benefits and the opportunity to chart their own career path with us. Join us in the pursuit of our mission to guide people to a lifetime of financial success, and enjoy a career filled with professional growth opportunities, interesting colleagues and the satisfaction of supporting our communities. Together, there's no stopping you!
Job Title:Senior International Banking Representative
Job Description:
Summary The Senior International Banking Rep serves as the bank's more experienced front-line customer service associate and is responsible for providing technical assistance to business and consumer clients, relationship managers, and other internal business partners in dealing with the intricacies of the trade related products we offer. Responsible for the daily reconciliation and balancing of international general ledgers to the bank systems. In coordination with the Manager of the department, will administrate functionality of an Access Database used to generate daily forms, reports and accounting files for the international banking products' daily activity. Essential Duties & Responsibilities
Provide operational support for a variety of international banking products ensuring that daily processing requirements are achieved and are in line with bank policies, procedures and service level agreements. Key job functions include all functional and workflow activities necessary to transact, Standby and Commercial Letters of Credit, Documentary and Clean Collections, Foreign Cash Letters, International remittances, and Foreign Exchange Contracts.
Letters of Credit:
Issue and amend Commercial and Standby Letters of Credit in accordance with Enterprise Bank & Trust policies, procedures, and industry standards. Examine documents presented for demand under Commercial and Standby Letters of Credit to determine payment or refusal; examine in compliance with terms of the letter of credit, UCP or ISP98, State Regulations and in accordance with international standard banking practice. Complete all processing across multiple systems and applications including compliance screening for relevant documents. Initiate auto extension notifications, requests for credit approvals for satisfaction of all internal controls and processing of Letters of Credit with auto extension provisions in compliance with lending policies and procedures.
Reconciliation:
Maintain balances for the department's general ledgers; prepare related reports; and collaborate with management to resolve accounting issues. Reconcile General ledger accounts against daily reports and investigate outages and make the necessary adjustments.
Database Management:
Successfully manage the Access Database and modify some of the functionality and forms as need dictates Provide insight into the table structure and their relationships of which the functionality is based on. Develop and implement process improvements to enhance efficiency and accuracy in transaction processing Mentor associates within the department in the subject matter expertise as assigned by the manager.
International Wires:
Handle outgoing wire transfer requests, checking for the authenticity of customer authorization and/or approvals, sufficient balances and required routing instructions. Verify and review incoming wire transfers. Ensure the appropriate customer accounts are debited/credited with proper notification. Follow strict guidelines in accordance with Reg E, BSA and OFAC and screen all parties for OFAC compliance. Uses various tools needed for transactional processing inclusive of access database, Finastra GPP, SWIFT and IBS deposit system.
International Banking Products - serve as secondary support of all products:
Process incoming and outgoing documentary collections in accordance with established procedures, prepares collection advice forms and acknowledgments, SWIFT messages and Fedwire payments within the set timeframes/deadlines. Execute transactions which support foreign check processing which includes cash letters and clean check collections; prepares and sends cash letters and collections; prepares all general ledger, DDA accounting entries, collection advices and acknowledges. Serves as back up to the processes of all drafts, outgoing wire transfers, incoming payment and clean collections with an appropriate notification to the beneficiary.
Support:
Develop and maintain professional relationships with clients and external partners, providing product knowledge and support with the ability to influence where necessary. Build effective relationships with a range of internal stakeholders (relationship and treasury management teams, client services, and Tech support). Answer clearly and concisely all email and phone inquiries within established service levels. Handle and resolve complex customer inquiries and/or processing issues.
Risk Management/Compliance:
Ensure compliance with all respective regulatory requirements and guidelines. Ensure all transactions are completed according to established policy and procedures. Ensure adherence to all customer authentication and release of sensitive information
policies and procedures in a hybrid/remote working environment.
Qualifications:
Strong math and problem solving skills Strong knowledge of commercial, standby and export letters of credit, the international payment process, and documentary collections Strong business knowledge of international trade concepts and principles Possess excellent multitasking abilities, dexterity to manage multiple tasks between various system applications Self-motivation to manage independent assignments effectively. Ability to operate standard office equipment, such as computer workstations, calculators, scanner and copier Strong organizational skills and ability to prioritize; handle multiple tasks; and work independently Excellent attention to detail, with high degree of accuracy; an ability to know when a deep dive approach is appropriate Excellent verbal and written customer service skills, ease in communication with all levels of internal and external stakeholders. Ability to assist a client on the phone while moving between multiple systems to accomplish a transaction with ease and professional demeanor. Demonstrate patience and empathy when necessary to handhold through various issues or task assigned; ask the right questions to uncover the clients' needs. Ability to partner with demanding stakeholders, managing their expectations while developing strong working relationships with them Must maintain confidentiality of client transactions and bank records Strong math and problem solving skills
Operating knowledge of bank accounting and bookkeeping/reconciliation related to trade finance products. Demonstrated ability to lead projects, offer innovative solutions and cost efficiency opportunities* Confidence to assert alternative ideas, while open to collaboration, maintaining a positive 'can-do' outlook Technical skills required which include a comprehensive knowledge of Uniform Customs and Practice for Documentary Credits UCP600; International Standby Practices ISP98, Guide to Uniform Rules for Collections URC522, and International Standard Banking Practice ISBP.
Knowledge of all regulatory guidelines i.e. AML, OFAC compliance, U.S. Anti-boycott regulations and others. decision-making capability Demonstrated use of SWIFT messaging and Fedwire. Proficiency in utilizing Microsoft Office Software, including Access, Word and Excel applications
Supervisory Responsibilities:
Education and/or Experience
Bachelor's degree (B.A.) from four-year college or university; or two years demonstrated practical experience in the profession of International Trade, Letters of Credit and/or International Banking; or equivalent combination of education and experience 3 years of experience in customer service and resolution handling 3 years of experience in identifying, evaluating, and determining risks and consequences for decision making (with consultation as necessary)
Computer and Software Skills:
Skilled in operation of a personal computer and mobile devices Microsoft Office: Word, Excel, and Access. IBS Sales Force Google Mail Google Suite SWIFT
Certifications, Licenses, and Registrations
Equal Opportunity Statement: Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources athr@enterprisebank.com. Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live.We are proud to be an Equal Opportunity Employer.All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability.All employment offers are contingent upon the applicant successfully completing both drug and background check screenings.If you would like more information about your EEO rights as an applicant under the law, please click HERE.
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Enterprise Bank & Trust
Apr 17, 2025