Commercial Banking Associate

HomeTrust Bank; Johnson City, Asheville (TN, NC); On-site; USD 45,000 - 65,000; Full time

Job summary

HomeTrust Bank is seeking a detail-oriented professional to support commercial loan processing and relationship management in a fast-paced environment. The role involves handling loan files, deposits, and Treasury referrals, while ensuring regulatory compliance and data integrity.

The ideal candidate has up to two years in commercial banking, strong computer and communication skills, and a willingness to collaborate with multiple teams to serve business clients effectively.

Qualifications

• 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 BSA, AML, CIP, OFAC, and related lending compliance.
• Ability to process work accurately and effectively, multitask in a high-paced environment, and handle confidential information.

Responsibilities

• Create and maintain electronic commercial relationship customer files.
• Initiate and manage commercial relationship files in CLP for prospects and applications.
• Prepare and execute account maintenance changes to commercial relationship files including loans and deposits; coordinate deposit account opening and Treasury Management referrals.
• Collect and review loan file components (CIP, Borrowers, Guarantors, OFAC, insurance, UCC, approvals, environmental screens).
• Deepen the commercial relationship by identifying personal banking needs and referring to appropriate teams.
• Collaborate with Treasury Management on implementations and ongoing maintenance.
• Assist Relationship Manager with credit approval packages and review term sheets and memos for accuracy.
• Support Commercial Relationship Managers with portfolio management and documentation checks.
• Maintain confidentiality and security of sensitive information.
• Adhere to corporate policies and regulatory requirements including BSA/AML/CIP/OFAC and lending regulations.
• Perform other duties and special projects.

Skills

Customer service

Communication

Multitasking

Team collaboration

Computer skills

Mathematical skills

Organization

Independence

Confidentiality

Banking knowledge

Education

High school diploma

Bachelor's degree in related business field

Familiarity with LaserPro Loan Documents

Tools

LaserPro Loan Documents

Job description

Key Responsibilities / Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• 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.

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.

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 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 scanners.
• 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's policy is to provide equal employment opportunities to all persons regardless of race, color, religion, sex (including sexual orientation and gender identity), national origin, age, disability, genetic information, protected veteran status, or any other characteristic protected by federal law. Employment decisions will be based on valid job requirements and business needs, and we administer personnel actions (including recruitment, selection, promotion, compensation, benefits, transfers, layoffs, training, and social/recreation programs) without discrimination on any prohibited basis.

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.