Business Banking Officer

HomeTrust Bank • Kingsport, TN

10h

About The Position

The Business Banking Officer proactively develops and maintains business relationships through calling efforts and relationship building. The position establishes business loans, deposits, treasury management, and other related services to meet the needs of clients within a designated geographical territory. Target clients typically have annual revenues of $500,000 to $5,000,000 and lending needs of up to $1,500,000.

The role works with branch partners, the Credit team, and other lines of business to identify client needs, process loan applications, and develop leads and referrals. The position operates in a professional office environment and routinely uses standard office equipment. HomeTrust Bank may revise responsibilities or assign other tasks as business needs evolve.

Requirements

• High school diploma or equivalent.
• At least 3 years of experience as a business lender, with a demonstrated record of achieving goals.
• Successful completion of bank lending training programs, depending on experience and background as a lender.
• Must be bondable and have a valid driver’s license.
• Excellent attention to detail and communication skills, and the ability to network and build business relationships.
• Thorough knowledge of bank business lending and deposit products.
• Knowledge of bank policies, procedures, lending practices, credit analysis functions, and related requirements and procedures.
• Ability to think and act independently within bank policy guidelines and assigned personal authority.
• Familiarity with federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws.
• Proficiency in Microsoft Office products.
• The description also includes a separate set of requirements: at least 8 years of banking experience as a proven sales leader in new account opening and lending processes, including HELOC; experience in sales and service leadership roles; S.A.F.E. registration at the time of employment; proven sales and customer-service skills; ability to develop sales and service teams; familiarity with federal and state banking regulations, including the Bank Secrecy Act and USA Patriot Act; knowledge of loan and deposit processing functions and procedures; ability to complete in-house and HELOC training programs; ability to learn, demonstrate, and foster HomeTrust’s corporate culture; personal initiative and serving as a positive example; proficiency in Microsoft Office; and strong organizational, communication, and attention-to-detail skills.
• Physical ability to reach, sift, lift up to 25 pounds, use finger dexterity, grasp and feel, perform repetitive motions, talk, hear, and exchange accurate information. Specific vision abilities include close vision, distance vision, and adjusting focus.
• Move around the office to attend meetings and access files, machinery, or other job-related tools.

Nice To Haves

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

Responsibilities

• Initiate business contacts to develop relationships, promote bank products and services, and maintain the business acquisition pipeline and existing portfolio.
• Engage with branch partners to educate staff on identifying client needs and making referrals.
• Counsel customers on business financing needs and process and complete detailed reviews of loan applications and other business services.
• Analyze customer financial status, credit, and property evaluations to determine loan feasibility.
• Partner with the Credit team to facilitate loan review and processing.
• Partner with other lines of business to develop leads and referrals within the existing portfolio.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED