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HomeTrust Bank · 2 months ago

Commercial Banking Associate

Charlotte, NC

Full-time

Onsite

New Grad, Entry Level

0+ years exp

HomeTrust Bank is a community-focused financial institution committed to providing value-added banking services. The Commercial Banking Associate supports Regional/Market Presidents and Commercial Relationship Managers in managing commercial loans, deposit services, and treasury management to enhance customer relationships.

BankingCommunitiesFinancial Services

Responsibilities

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

Qualification

Commercial banking experienceBank productsRegulationsAbove average computer skillsEffective communication skillsMultitaskIndependent thinkingTeam collaborationOrganizational skillsConfidentiality handling

Required

High school diploma or equivalent

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