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 commercial loans, deposit services, online banking, and treasury management services. The role helps Relationship Managers develop and retain profitable customer relationships by coordinating deposit account opening and construction loan administration and maintaining the Commercial Loan Process system for the Relationship Managers they support. The position also supports commercial loan processing and portfolio management, coordinates with Treasury Management, reviews loan documentation for accuracy, and identifies opportunities to refer customers to other banking services. The job operates in a professional office environment and routinely uses standard office equipment. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Requirements

High school diploma or equivalent.
0 to 2 years of commercial or business banking experience.
Ability to process work accurately and effectively, multitask in a fast-paced environment, and handle confidential information professionally.
Ability to prioritize workflow efficiently, especially when supporting multiple Relationship Managers.
Above-average computer skills, including Word, Excel, PowerPoint, and Outlook.
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.
Effective team member with demonstrated collaboration skills.
Ability to think and act independently within bank policy and assigned authority.
Understanding of regulations and timing requirements for the Home Mortgage Disclosure Act, Flood Disaster Protection Act, ECOA, Appraisal Delivery, and Beneficial Ownership.

Nice To Haves

Bachelor’s degree in a related business field.
Knowledge of bank products and services, ideally in commercial lending.
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 to support efficient underwriting.
Prepare or execute maintenance changes to commercial relationship files, including loan 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 information for borrowers and guarantors, 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 the appropriate team member.
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.
Adhere to corporate policies and procedures, applicable federal and state regulations, and laws; complete mandatory annual compliance training.
Follow regulatory requirements related to BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending.
Perform other duties and special projects as assigned.