Commercial Banking Associate

HomeTrust Bank; Charlotte (NC); On-site; USD 42,000 - 65,000; Full time

Job summary

HomeTrust Bank is seeking a Commercial Banking Associate to support Regional/Market Presidents, Commercial Relationship Managers, and clients with loans, deposits, online banking, and treasury services.

The role involves coordinating deposit accounts, managing CLP entries, and assisting in credit package preparation while ensuring regulatory compliance and data integrity.

Qualifications

• Educational background includes high school diploma or equivalent; a bachelor’s degree is preferred.
• 0–2 years of commercial or business banking experience is typical for this role.
• Knowledge of bank products, services, and related regulations is essential.
• Strong computer, math, and organizational skills are required.

Responsibilities

• Supports relationship managers with commercial loan and deposit procedures.
• Maintains electronic commercial relationship customer files and CLP entries.
• Coordinates deposit account openings, online banking, and treasury referrals.
• Reviews loan file components for accuracy, including CIP, OFAC, and collateral screens.
• Identifies potential product needs and refers to appropriate teams (e.g., loans, IRAs).
• Assists with credit package prep and reviews term sheets and memos for accuracy.
• Clears documentation exceptions and supports portfolio management activities.
• Maintains confidentiality and complies with regulatory requirements (BSA/AML/CIP).
• Completes mandatory compliance training and adheres to bank policies.
• Performs other duties as assigned.

Skills

Customer service

Banking knowledge

Attention to detail

Multitasking

MS Office

Communication

Team collaboration

Education

High school diploma

Bachelor’s degree (preferred)

Job description

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

• 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, to ensure efficient movement through 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 appropriate Treasury Management team members
• Collects and reviews 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.
• 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 the appropriate components and actively 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 determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
• Performs other duties 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 related business field.
• Familiarity with LaserPro Loan Documents.
• Previous experience in one or more of the following areas is: administrative, bookkeeping, teller, paralegal, and loan servicing.

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.

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.

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.