The Commercial Banking Associate supports Regional/Market Presidents, Commercial Relationship Managers, and commercial customers and prospects with all functions related to commercial loans, deposit services, online banking, and treasury management services to leverage Relationship Managers’ (RM) abilities to develop and retain profitable customer relationships. This position encompasses coordination for deposit account opening and construction loan administration and will maintain and manage the Commercial Loan Process system for RMs they support.
Key Responsibilities / Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Initiates and/or manages commercial relationship files in the Commercial Loan Process system (CLP) for prospects and applications, to ensure efficient movement through underwriting process
Prepares and/or executes account maintenance changes to commercial relationship files including loans and deposit accounts. Coordinates deposit account opening, maintenance, online banking, and Treasury Management referrals by partnering with appropriate Treasury Management team members
Collects and reviews all components of a loan file to verify accuracy including but not limited to CIP Borrower and Guarantors, Beneficial Ownership forms, OFAC searches, insurance policies, UCC lien searches, proper approval authority, and environmental collateral screens.
Deepens the commercial relationship by identifying potential personal/consumer bank needs, including consumer and mortgage loans, IRAs, and certificates of deposit and referring to the appropriate team member
Collaborates with Treasury Management on successful implementations and provides ongoing maintenance for customers.
Assists Relationship Manager with the completion of the credit approval package and the appropriate components and actively reviews term sheets, commitment letters, and credit memos for content and accuracy.
Supports Commercial Relationship Managers with day-to-day portfolio management by clearing documentation exceptions, collecting financial requirements, and reviewing internal tracking reports
Maintains confidentiality and security of sensitive information
Adheres to all corporate policies and procedures, Federal and State regulations, and laws.
Completes all mandatory annual compliance training.
Follows all regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
Performs other duties as assigned.
Job Requirements:
Education:
High school diploma or equivalent.
Required:
0 to 2 years of commercial or business banking experience.
Knowledge of bank products and services ideally in commercial lending
Understanding of regulations and timing requirements for the Home Mortgage Disclosure Act, Flood Disaster Protection Act, ECOA, Appraisal Delivery, and Beneficial Ownership.
Ability to process work accurately and effectively, to multitask in a high-paced working environment, and to handle confidential information in a professional manner.
Manage prioritization of workflow for maximum efficiency (especially when supporting multiple RMs).
Above average computer skills (Word, Excel, PowerPoint, Outlook), and proficient math and organizational skills.
Ability to communicate in a positive and effective manner in one-on-one and small group meetings, and the ability to discuss commercial loan and deposit procedures with customers.
Effective team member with demonstrated collaboration skills.
Ability to think and act independently within the guidelines and limitations of bank policy and assigned personal authority.
Preferred:
Bachelor’s degree in related business field.
Familiarity with LaserPro Loan Documents.
Previous experience in one or more of the following areas is: administrative, bookkeeping, teller, paralegal, and loan servicing.
About HomeTrust Bank
HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization.
Work Environment, Physical Requirements
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.
This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
The employee will frequently communicate and must be able to exchange accurate information with others.
The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.
DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.
HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
