Commercial Banking Associate

9 hours ago

Roanoke, Virginia, United States HomeTrust Bank Full time
Job Summary

The Commercial Banking Associate plays a vital role in supporting 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. This position is responsible for leveraging Relationship Managers' abilities to develop and retain profitable customer relationships.

Key Responsibilities
  • Creates and/or maintains electronic commercial relationship customer files.
  • Initiates and/or manages commercial relationship files in the Commercial Loan Process system (CLP) for prospects and applications, ensuring efficient movement through the 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 the Treasury Management team.
  • Collects and reviews 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.
  • 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 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 deterrence of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance, including fair lending laws.
  • Performs other duties as assigned.
Requirements
  • 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, multitask in a high-paced working environment, and 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 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.
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 https://www.hometrustbank.com/

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 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.

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