Commercial Banking Support & Credit Coordinator

Default Brand

Charlotte (NC)

On-site

USD 55,000 - 75,000

Full time

9 days ago

Application generator

An application made for this job — a tailored resume and cover letter that speak straight to the posting.

Get past ATS filters

Job summary

HomeTrust Bank, a well-established North Carolina financial institution founded in 1926, is seeking a Commercial Banking Associate to support Regional/Market Presidents, Commercial Relationship Managers, and customers in loans, deposits, online banking, and treasury services.

The role coordinates deposit account openings, loan administration, and CLP system management to streamline underwriting and relationship growth.

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 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.

Responsibilities

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.