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Commercial Banking Associate

Location
Greenville, South Carolina
Job Type
Permanent
Posted
15 Jan 2023
Job Summary

The Commercial Banking Associate I supports Regional/Market Presidents, Commercial and Business Banking 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

• Maintains electronic loan, credit, and deposit customer files, and coordinates deposit account opening, maintenance, online banking, and Treasury Management referrals.
• Maintains Commercial Loan Process system (CLP) for prospects and applications, and prepares account maintenance changes to commercial loans.
• Coordinates preparation of loan and packaging, including CIP Borrower and Guarantors, determines Beneficial Ownership, performs OFAC searches, obtains insurance, performs UCC lien searches, ensures proper approval authority, and performs environmental collateral screens.
• Promotes and introduces personal/consumer bank services to customers, including consumer and mortgage loans, IRAs, and certificates of deposit.
• Tracks online banking and Treasury Management routing and progress until successful implementation and provides ongoing maintenance for customers.
• Assists Relationship Manager with the completion of the Credit Request Form in the CLP, the completion of the underwriting workbook, and assists with the review of term sheets, commitment letters, and credit memos for content and accuracy.
• Maintain confidentiality and security of sensitive information

Job Requirements:
• Education: Associate degree in related business field.
• Thorough knowledge of bank products and services including commercial loan processing requirements, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer to appropriate internal partners.
• Understands 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.
Required:
• 0 to 2 years of commercial or business banking experience required.
• Thorough knowledge of bank products and services including commercial loan processing requirements, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer to appropriate internal partners.
• Understands 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 is preferred.
• Familiarity with LaserPro Loan Documents preferred.
• Previous experience in one or more of the following areas is preferred: 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, and Tennessee. Learn more at . Apply today to take your first steps towards joining this talented population of employees within a growing organization.

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 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

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
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Details

  • Job Reference: 876519527-2
  • Date Posted: 15 January 2023
  • Recruiter: HomeTrust Bank
  • Location: Greenville, South Carolina
  • Salary: On Application
  • Sector: Banking & Financial Services
  • Job Type: Permanent