Senior Lending Officer

2 weeks ago

Raleigh, North Carolina, United States HomeTrust Bank Full time
Position Overview

The primary role of the Senior Lending Officer is to work in tandem with Market Presidents to facilitate the bank's lending objectives while adhering to established risk parameters and credit standards. This position carries substantial loan authority and is responsible for making determinations on various commercial banking credits or advances that exceed their authority level.

Core Responsibilities

Individuals with disabilities may request accommodations to perform essential functions:
  • Authorize decisions on commercial banking credits or advances that surpass their designated authority.
  • Collaborate with the Chief Credit Officer, Director of Commercial Credit, Portfolio Managers, and other stakeholders to enhance the credit process, ensuring prompt responses to clients while conducting thorough due diligence.
  • Engage in joint meetings with Relationship Managers to foster strong partnerships and review market loan pipelines alongside the Market President.
  • Assess risk evaluations of commercial loan applications, performing comprehensive analyses of the borrower's business, management, industry, and financial condition.
  • Provide direction to credit support staff and Relationship Managers regarding risk management matters and policy updates.
  • Interact with Bank Examiners and Loan Reviewers.
  • Participate in the executive loan committee and relevant user groups.
  • Uphold the confidentiality of sensitive information.
  • Lead and manage the team, including recruitment, training, and performance evaluations.
  • Ensure departmental objectives align with the overarching goals of the organization.
  • Comply with corporate policies, regulations, and annual compliance training.
  • Adhere to regulatory requirements, including BSA, AML, CIP, OFAC, and fair lending laws.
  • Complete assigned responsibilities and special projects as necessary.
Qualifications

Education:
  • Bachelor's degree in business, finance, or a related discipline.
Experience Required:
  • 15+ years of experience in banking, with at least 10 years focused on commercial credit underwriting and loan approval.
  • Strong interpersonal, communication, and credit assessment skills across various commercial lending sectors.
  • Experience with SWAP derivative financing, government lending initiatives, and real estate appraisals.
  • Proven leadership capabilities in resolving credit-related issues.
  • Familiarity with federal banking regulations and laws.
  • Exceptional organizational and prioritization skills.
  • Proficient in Microsoft Office applications.
About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a community-oriented financial institution operating across multiple states. We are dedicated to delivering value-added community banking through diverse channels.

Work Environment and Physical Requirements

Working in a professional office setting, associates utilize standard office equipment. Specific vision abilities and physical activities are necessary. Effective communication, mobility within the office, and information exchange are essential.

Disclaimer: HomeTrust Bank is continually evolving, and job descriptions may be subject to change. We advocate for diversity and inclusion at all levels, recruiting based on individual capabilities, and adhere to Equal Employment Opportunity laws and regulations.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor does not discriminate based on pay inquiries. Access to compensation information is limited to essential job functions.

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