Senior Commercial Relationship Manager

HomeTrust Bank; Raleigh (NC); On-site; USD 120,000 - 180,000; Full time

Job summary

HomeTrust Bank in Raleigh, NC seeks a Sr Commercial Relationship Manager to drive business development, source loans, deposits, and treasury management solutions while assessing client needs and presenting tailored banking products.

This role emphasizes external calling for at least 75% of new business, extensive outside client engagement 60–70% of time, and collaboration across branches to protect credit quality and grow relationships.

Qualifications

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

Responsibilities

• Performs business development activity through external calling on existing clients and prospects.
• Gathers information needed to assess business loan, deposit, and treasury management needs of clients and prospects.
• Develops solutions and presents bank products or services with features and benefits.
• Analyzes the prospective client’s financial statements and assists in credit underwriting.
• Teams with Treasury Management to develop business opportunities within existing portfolio and prospects.
• Manages loan portfolio to maintain and protect credit quality.
• Maintains relationships with branches, credit administration, loan operations, deposit operations, mortgage, and other partner groups.
• Promotes consumer and mortgage loans, IRAs, and certificates of deposit.
• Refers commercial partners to opportunities including mortgage, investment, insurance, equipment finance, and SBA.

Skills

Business development

Client relations

Credit analysis

Communication skills

Lending knowledge

Education

Bachelor's degree in business/finance

Tools

MS Office

Banking software

Job description

The primary responsibilities of the Sr Commercial Relationship Manager include business development, origination of business loan, deposit, and treasury management products, and this position assesses customer needs and develops and presents appropriate banking solutions that meet customer needs. This position is expected to source a minimum of 75% of business from external calling efforts, and there is a high level of personal monthly loan production, spending approximately 60% to 70% of time outside of office engaged in business development and consultation activities with clients, prospects, and referral sources.

Key Responsibilities / Essential Functions

• Performs business development activity through external calling efforts on existing clients and prospect.
• Gathers information needed to assess business loan, deposit, and treasury management needs of clients and prospects.
• Develops solutions and presents bank product or services to include features and benefits to clients and prospects.
• Analyzes the prospective client’s financial statements and assists in credit underwriting.
• Teams with Treasury Management to develop business opportunities within existing portfolio and prospects.
• Manages loan portfolio to maintain and protect credit quality.
• Maintains a good working relationship with branches, credit administration, loan operations, deposit operations, mortgage, and all other partner groups, working as a team internally and across departments.
• Promotes and introduces personal/consumer bank services to customers, including consumer and mortgage loans, IRAs, and certificates of deposit.
• Refers commercial partners to opportunities, including mortgage, investment, insurance, equipment finance, and SBA.
• Maintain confidentiality and security of sensitive information.

Job Requirements

Education:

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

Required:

• 8+ years of experience as a business or commercial banker required with demonstrated record achieving goals.
• Demonstrated knowledge of bank policies, procedures, and lending practices.
• Thorough knowledge of all business lending and deposit products.
• Demonstrated knowledge of credit analysis functions and related requirements and procedures.
• Ability to successfully complete bank training program(s) for lending (depending on experience and background as a lender).
• Highly developed communication and presentation skills.
• Ability to resolve customer concerns/issues in a positive way.
• Effective team member and demonstrated collaboration skills.
• Skilled professional networker.
• Excellent attention to detail.
• Proficient in Microsoft Office products.

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.

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.