HomeTrust Bank
Job Summary
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
Create and maintain electronic commercial relationship customer files.
Initiate and manage commercial relationship files in the Commercial Loan Process system (CLP) for prospects and applications to ensure efficient movement through underwriting.
Prepare and execute account maintenance changes to commercial relationship files including loans and deposit accounts; coordinate deposit account opening, maintenance, online banking, and Treasury Management referrals by partnering with appropriate Treasury Management team members.
Collect and review all components of a loan file to verify accuracy including CIP borrower and guarantors, beneficial ownership forms, OFAC searches, insurance policies, UCC lien searches, proper approval authority, and environmental collateral screens.
Deepen the commercial relationship by identifying potential personal/consumer bank needs, including consumer and mortgage loans, IRAs, and certificates of deposit, and refer to the appropriate team member.
Collaborate with Treasury Management on successful implementations and provide ongoing maintenance for customers.
Assist Relationship Manager with the completion of the credit approval package and the appropriate components, actively reviewing term sheets, commitment letters, and credit memos for content and accuracy.
Support Commercial Relationship Managers with day-to-day portfolio management by clearing documentation exceptions, collecting financial requirements, and reviewing internal tracking reports.
Maintain confidentiality and security of sensitive information.
Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
Complete all mandatory annual compliance training.
Follow 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 deterrence of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
Perform other duties and special projects as assigned.
Education High school diploma or equivalent.
Required Experience and Qualifications
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, multitask in a high-pace environment, and handle confidential information professionally.
Manage prioritization of workflow to maximize efficiency, especially when supporting multiple RMs.
Above-average computer skills (Word, Excel, PowerPoint, Outlook) and proficient math and organizational skills.
Ability to communicate positively and effectively in one-on-one and small-group meetings, and discuss commercial loan and deposit procedures with customers.
Effective team member with demonstrated collaboration skills.
Ability to think and act independently within bank policy and assigned personal authority limits.
Preferred Experience and Qualifications
Bachelor’s degree in a related business field.
Familiarity with LaserPro Loan Documents.
Previous experience in one or more of the following areas: 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 and Physical Requirements The 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 include close vision, distance vision, and ability to adjust focus.
Physical activity requiring reaching, sifting, lifting up to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking, and hearing.
The employee frequently communicates and must be able to exchange accurate information with others.
The employee may need to move around the office to attend meetings and 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.
EEO Statement 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.
Location Charlotte, NC
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Key Responsibilities / Essential Functions
Create and maintain electronic commercial relationship customer files.
Initiate and manage commercial relationship files in the Commercial Loan Process system (CLP) for prospects and applications to ensure efficient movement through underwriting.
Prepare and execute account maintenance changes to commercial relationship files including loans and deposit accounts; coordinate deposit account opening, maintenance, online banking, and Treasury Management referrals by partnering with appropriate Treasury Management team members.
Collect and review all components of a loan file to verify accuracy including CIP borrower and guarantors, beneficial ownership forms, OFAC searches, insurance policies, UCC lien searches, proper approval authority, and environmental collateral screens.
Deepen the commercial relationship by identifying potential personal/consumer bank needs, including consumer and mortgage loans, IRAs, and certificates of deposit, and refer to the appropriate team member.
Collaborate with Treasury Management on successful implementations and provide ongoing maintenance for customers.
Assist Relationship Manager with the completion of the credit approval package and the appropriate components, actively reviewing term sheets, commitment letters, and credit memos for content and accuracy.
Support Commercial Relationship Managers with day-to-day portfolio management by clearing documentation exceptions, collecting financial requirements, and reviewing internal tracking reports.
Maintain confidentiality and security of sensitive information.
Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
Complete all mandatory annual compliance training.
Follow 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 deterrence of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
Perform other duties and special projects as assigned.
Education High school diploma or equivalent.
Required Experience and Qualifications
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, multitask in a high-pace environment, and handle confidential information professionally.
Manage prioritization of workflow to maximize efficiency, especially when supporting multiple RMs.
Above-average computer skills (Word, Excel, PowerPoint, Outlook) and proficient math and organizational skills.
Ability to communicate positively and effectively in one-on-one and small-group meetings, and discuss commercial loan and deposit procedures with customers.
Effective team member with demonstrated collaboration skills.
Ability to think and act independently within bank policy and assigned personal authority limits.
Preferred Experience and Qualifications
Bachelor’s degree in a related business field.
Familiarity with LaserPro Loan Documents.
Previous experience in one or more of the following areas: 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 and Physical Requirements The 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 include close vision, distance vision, and ability to adjust focus.
Physical activity requiring reaching, sifting, lifting up to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking, and hearing.
The employee frequently communicates and must be able to exchange accurate information with others.
The employee may need to move around the office to attend meetings and 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.
EEO Statement 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.
Location Charlotte, NC
#J-18808-Ljbffr