Medical Banking Officer

HomeTrust Bank•Charlotte, NC

4d•Onsite

About The Position

The Medical Banking Officer is responsible for developing, managing, and expanding relationships with medical practices and related businesses with an emphasis on dental and veterinarian practices. This role focuses on delivering customized financial solutions that meet the unique needs of medical professionals, including credit, SBA financing, treasury management, and deposit services, while upholding HomeTrust’s culture fundamentals. This position is expected to source business from external calling efforts, and there is a high level of personal monthly loan production, spending approximately 60% to 70% of time outside of the office engaged in business development and consultation activities with clients, prospects, and referral sources.

Requirements

Bachelor’s degree in business, finance or related field.
5+ years of experience as a business, SBA or commercial banker, with a focus on dental and veterinarian clients strongly preferred.
Proven track record of originating and managing a profitable loan and deposit portfolio.
Demonstrated knowledge of bank policies, procedures, and lending practices.
Thorough knowledge of all business lending and deposit products.
Demonstrated knowledge of credit analysis functions and related requirements and procedures.
Ability to successfully complete bank training program(s) for lending (depending on experience and background as a lender).
Highly developed communication and presentation skills.
Ability to resolve customer concerns/issues in a positive way.
Effective team member and demonstrated collaboration skills.
Skilled professional networker.
Excellent attention to detail.
Proficient in Microsoft Office products.

Nice To Haves

Experience working with SBA loan programs (7(a) and 504) and partnering with SBA lending teams a plus.

Responsibilities

Develop and execute a business development plan focused on dentists, veterinarians, physicians and other medical practices.
Serve as the primary point of contact for assigned relationships, providing exceptional service and proactive financial advice.
Identify opportunities to cross-sell treasury management, deposit, SBA, lending, and wealth solutions to deepen client relationships.
Partner with internal teams to deliver seamless onboarding and ongoing client support.
Perform business development activity through external calling efforts on existing clients and prospects.
Gather information needed to assess business loan, deposit, and treasury management needs of clients and prospects.
Analyze financial statements and prepare credit packages for new and existing relationships in partnership with credit team.
Collaborate closely with the bank’s SBA Lending team to structure government-guaranteed loans that meet the unique needs of healthcare clients (start-up practices, acquisitions, expansions, equipment purchases, and real estate).
Monitor portfolio performance, including covenant compliance, credit quality, and profitability.
Collaborate with Treasury Management to develop business opportunities within existing portfolio and prospects.
Maintain a good working relationship with branches, credit administration, loan operations, deposit operations, mortgage, and all other partner groups, working as a team internally and across departments.
Promote and introduce personal/consumer bank services to customers, including consumer and mortgage loans, IRAs, and certificates of deposit.
Stay informed on trends, regulations, and challenges affecting the healthcare industry.
Provide consultative guidance to clients on financial best practices specific to the healthcare sector.
Represent the bank at healthcare industry events, trade shows, and networking opportunities.
Maintain confidentiality and security of sensitive information.
Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
Complete all mandatory annual compliance training.
Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
Perform other duties and special projects as assigned.