Commercial Banking Associate

HomeTrust Bank•Johnson City, TN

About The Position

The Commercial Banking Associate supports Regional/Market Presidents, Commercial Relationship Managers, and commercial customers and prospects with functions related to commercial loans, deposit services, online banking, and treasury management services. The role helps Relationship Managers develop and retain profitable customer relationships. It coordinates deposit account opening and construction loan administration and maintains and manages the Commercial Loan Process system for the Relationship Managers it supports. The position also supports loan-file review, credit-approval preparation, portfolio management, treasury-management implementation and maintenance, and referrals for additional personal and consumer banking needs. The associate is responsible for handling confidential information and following applicable bank policies, regulatory requirements, and laws.

Requirements

High school diploma or equivalent.
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, multitask in a fast-paced environment, and handle confidential information professionally.
Ability to prioritize workflow efficiently, particularly when supporting multiple Relationship Managers.
Above-average computer skills, including Word, Excel, PowerPoint, and Outlook, along with proficient math and organizational skills.
Ability to communicate positively and effectively in one-on-one and small-group meetings and discuss commercial loan and deposit procedures with customers.
Ability to collaborate effectively as a team member.
Ability to think and act independently within bank policy and assigned authority.

Nice To Haves

Bachelor’s degree in a related business field.
Familiarity with LaserPro Loan Documents.
Previous experience in one or more of the following areas: administrative work, bookkeeping, teller work, paralegal work, or loan servicing.

Responsibilities

Create and maintain electronic commercial relationship customer files.
Initiate and manage commercial relationship files in the Commercial Loan Process system for prospects and applications, supporting efficient movement through underwriting.
Prepare or execute maintenance changes to commercial relationship files, including loans and deposit accounts.
Coordinate deposit account opening and maintenance, online banking, and Treasury Management referrals with appropriate team members.
Collect and review loan-file components for accuracy, including CIP borrower and guarantor information, Beneficial Ownership forms, OFAC searches, insurance policies, UCC lien searches, approval authority, and environmental collateral screens.
Identify potential personal and consumer banking needs, including consumer and mortgage loans, IRAs, and certificates of deposit, and refer customers to appropriate team members.
Collaborate with Treasury Management on implementations and provide ongoing customer maintenance.
Assist Relationship Managers with credit approval packages and review term sheets, commitment letters, and credit memos for content and accuracy.
Support day-to-day portfolio management by clearing documentation exceptions, collecting financial requirements, and reviewing internal tracking reports.
Maintain confidentiality and security of sensitive information.
Follow corporate policies and procedures, federal and state regulations, and laws.
Complete mandatory annual compliance training.
Follow regulatory requirements relating to BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending, helping identify, detect, and deter money laundering and other unlawful activities.
Perform other duties and special projects as assigned.