Senior Commercial Relationship Manager

HomeTrust Bank•Greenville, SC

About The Position

The Senior Commercial Relationship Manager develops business and originates business loans, deposits, and treasury management products. The role assesses customer needs and develops and presents banking solutions tailored to those needs. At least 75% of business is expected to come from external calling efforts, and the role involves substantial personal monthly loan production. Approximately 60% to 70% of work time is spent outside the office on business development and consultation with clients, prospects, and referral sources. The position manages loan portfolio credit quality, supports credit underwriting, and collaborates with internal teams and commercial partners. It also introduces customers to personal banking services and refers opportunities to partners in areas such as mortgage, investments, insurance, equipment finance, and SBA lending. The role must protect sensitive information and comply with corporate policies, applicable laws, and banking regulations, including BSA, AML, CIP, OFAC, lending, and fair lending requirements. HomeTrust Bank is a North Carolina-chartered, community-focused financial institution founded in 1926. It serves communities in Virginia, North Carolina, South Carolina, Tennessee, and Georgia through online and mobile channels and multiple locations. The position operates in a professional office environment and uses standard office equipment. Reasonable accommodations may be made for qualified individuals with disabilities.

Requirements

Bachelor’s degree in business, finance, or a related field; a reasonable combination of education and experience may also be considered.
At least 8 years of experience as a business or commercial banker, with a demonstrated record of achieving goals.
Knowledge of bank policies, procedures, and lending practices.
Thorough knowledge of business lending and deposit products.
Knowledge of credit analysis functions and related requirements and procedures.
Ability to successfully complete bank lending training programs, depending on experience and background as a lender.
Highly developed communication and presentation skills.
Ability to resolve customer concerns and issues positively.
Effective teamwork and demonstrated collaboration skills.
Professional networking skills.
Excellent attention to detail.
Proficiency with Microsoft Office products.

Responsibilities

Conduct external business development calls to existing clients and prospects.
Gather information to assess clients’ and prospects’ business loan, deposit, and treasury management needs.
Develop and present banking products and services, explaining their features and benefits.
Analyze prospective clients’ financial statements and assist with credit underwriting.
Work with Treasury Management to develop opportunities within the existing portfolio and among prospects.
Manage the loan portfolio to maintain and protect credit quality.
Maintain collaborative working relationships with branches, credit administration, loan operations, deposit operations, mortgage, and other internal partner groups.
Promote and introduce personal and consumer banking services, including consumer and mortgage loans, IRAs, and certificates of deposit.
Refer commercial opportunities to partners in mortgage, investment, insurance, equipment finance, and SBA services.
Maintain the confidentiality and security of sensitive information.
Follow corporate policies and procedures and applicable federal and state regulations and laws.
Complete required annual compliance training.
Follow BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending requirements to help identify, detect, and deter money laundering and other unlawful activities.