Commercial Banking Associate
HomeTrust Bank, Raleigh, NC, United States
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/or maintain electronic commercial relationship customer files
Initiate and/or manage commercial relationship files in the Commercial Loan Process system (CLP) for prospects and applications, to ensure efficient movement through underwriting process
Prepare and/or 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 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
Deepen 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
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 and actively review 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 determent 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
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 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 toward joining this talented population of employees within a growing organization.
Work Environment, Physical Requirements
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
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
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
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Key Responsibilities / Essential Functions
Create and/or maintain electronic commercial relationship customer files
Initiate and/or manage commercial relationship files in the Commercial Loan Process system (CLP) for prospects and applications, to ensure efficient movement through underwriting process
Prepare and/or 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 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
Deepen 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
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 and actively review 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 determent 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
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 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 toward joining this talented population of employees within a growing organization.
Work Environment, Physical Requirements
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
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
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
#J-18808-Ljbffr