Senior Commercial Relationship Manager

HomeTrust Bank•Greenville, SC

About The Position

The Senior Commercial Relationship Manager is responsible for business development and originating business loans, deposit accounts, and treasury management products. The role assesses customer needs and develops and presents suitable banking solutions. At least 75% of business is expected to come from external calling efforts, and the position involves substantial loan production. Approximately 60% to 70% of the role’s time is spent outside the office in business development and consultation activities with clients, prospects, and referral sources. The position manages a loan portfolio, supports credit quality, analyzes prospective clients’ financial statements, and assists with credit underwriting. It works closely with Treasury Management and internal partner groups, and promotes consumer banking services and referrals to commercial partners. The role also requires protecting sensitive information, following corporate policies and applicable laws and regulations, and completing mandatory annual compliance training, including requirements related to BSA, AML, CIP, OFAC, lending, and fair lending. The job operates in a professional office environment and routinely uses standard office equipment, including computers, phones, photocopiers, and scanners. It requires vision abilities including close and distance vision and focus adjustment, as well as reaching, sifting, lifting up to 25 pounds, finger dexterity, grasping, feeling, repetitive motions, talking, and hearing. The employee frequently communicates and may move around the office to attend meetings or access files, machinery, and other work-related tools.

Requirements

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

Responsibilities

Perform business development through external calling to existing clients and prospects.
Gather information to assess clients’ and prospects’ business loan, deposit, and treasury management needs.
Develop solutions and present bank products or services, including their features and benefits.
Analyze prospective clients’ financial statements and assist with credit underwriting.
Work with Treasury Management to develop business opportunities within the existing portfolio and among prospects.
Manage the loan portfolio to maintain and protect credit quality.
Maintain working relationships with branches, credit administration, loan operations, deposit operations, mortgage, and other internal partner groups.
Promote personal and consumer banking services, including consumer and mortgage loans, IRAs, and certificates of deposit.
Refer commercial partners to opportunities involving mortgage, investment, insurance, equipment finance, and SBA services.
Maintain the confidentiality and security of sensitive information.
Follow 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, and consumer compliance, including fair lending laws, to help identify, detect, and deter money laundering and other unlawful activities.