Business Banking Officer

HomeTrust Bank • Kingsport, TN

1d

About The Position

The Business Banking Officer proactively develops and maintains business relationships through calling efforts and relationship building. The role establishes business loan, deposit, treasury management, and other related services for clients in a designated geographic territory. Target clients typically have annual revenues of $500,000 to $5,000,000 and lending needs of up to $1,500,000.

The officer initiates business contacts, promotes bank services, maintains an acquisition pipeline and existing portfolio, and works with branch partners to identify client needs and referrals. The role counsels customers on financing, reviews loan applications and business service requests, analyzes financial status, credit, and property evaluations, and partners with Credit and other lines of business to facilitate loans and develop leads.

The position operates in a professional office environment and uses standard office equipment. HomeTrust Bank is a North Carolina-chartered, community-focused financial institution founded in 1926, serving Virginia, North Carolina, South Carolina, Tennessee, and Georgia through online and mobile channels and multiple locations.

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 program(s), depending on experience and background as a lender.
• Must be bondable and hold a valid driver's license.
• Excellent attention to detail and communication skills, with the ability to network and build business relationships.
• Thorough knowledge of bank business lending and deposit products.
• Demonstrated knowledge of bank policies, procedures, lending practices, and business lending and deposit products.
• Demonstrated knowledge of 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.

Nice To Haves

• Bachelor’s degree in business, finance, or 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
• Education Level: High school or GED