Business Banking Officer

HomeTrust Bank; Cary (NC); On-site; USD 85,000 - 115,000; Full time

Job summary

HomeTrust Bank in North Carolina seeks a Business Banking Officer to proactively develop and manage a portfolio of mid-market clients, with revenues from $500k to $5M and lending needs up to $1.5M.

You will build relationships, work with branches, counsel clients on financing, analyze financials, and coordinate with Credit to process loans.

The role requires 3+ years of lending experience, bank lending training, and strong communication and regulatory knowledge.

Qualifications

• 3+ years of experience as a business lender.
• Completion of bank lending training programs.
• Bondable and valid driver’s license.
• Excellent attention to detail, communication skills, and ability to network.
• Thorough knowledge of bank business lending and deposit products.
• Knowledge of credit analysis functions and procedures.
• Familiarity with banking regulations including fair lending laws.
• Proficient in Microsoft Office.

Responsibilities

• Actively initiates business contacts to develop relationships and maintain pipeline.
• Engages with branch staff to educate on client needs identifications and referrals.
• Counsels customers on financing needs and processes loan applications.
• Analyzes customer financial status, credit, and property evaluations for loan feasibility.
• Partners with Credit to facilitate loan reviews and processing.
• Develops leads and referrals within existing portfolio.

Skills

Business lending

Credit analysis

Communication skills

Networking

Attention to detail

Independent thinking

Regulations knowledge

Education

Bachelor's degree in business or finance

High school diploma or equivalent

Tools

Microsoft Office

Job description

The Business Banking Officer proactively develops and maintains business relationships through calling efforts and relationship building. This position establishes business loan, deposit, treasury management and other related services to meet needs of clients within a designated geographical territory, and target clients typically have annual revenues of $500,000 to $5,000,000 with lending needs of up to $1,500,000.

Key Responsibilities / Essential Functions

• Actively initiates business contacts to develop relationships, promote bank products/services, and maintain business acquisition pipeline and existing portfolio.
• Actively engages and interacts with branch partners to educate branch staff on client needs identifications and referrals.
• Counsels customers on business financing needs, and process and completes detailed review of loan application and other business services.
• Analyzes customer financial status, credit, and property evaluations to determine loan feasibility.
• Partners with Credit team to facilitate the review and processing of loans.
• Partners with other lines of business to develop leads and referrals within existing portfolio.

Job Requirements

Education:

• High school diploma or equivalent required.

Required:

• 3+ years of experience as a business lender required with demonstrated record of achieving goals.
• Successful completion of bank training program(s) for lending (depending on experience and background as a lender).
• Must be bondable and have a valid driver’s license.
• Excellent attention to detail, communication skills, and ability to network and build business relationships.
• Thorough knowledge of all bank business lending and deposit products.
• Demonstrated knowledge of bank policies, procedures, lending practices, and bank business lending and deposit products.
• Demonstrated knowledge of credit analysis functions and related requirements and procedures.
• Ability to think and act independently within guidelines of bank policy and assigned personal authority.
• Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws.
• Proficient in Microsoft Office products.

Preferred:

• Bachelor’s degree in business, finance, or related field.

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, and Tennessee. Learn more at www.htb.com.

Work Environment, Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• 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 up 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.

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 Affir...

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.