Job Summary

Primary responsibilities include active business development, origination of business loans, deposits, and treasury management products, ongoing proactive portfolio management, and relationship development. This position will be responsible for mentoring other Business Banking Officers and Business Banking Branch team members. Analyzes the prospective client’s financial statements, counsel’s client on credit record or other concerns, and assists in determining initial qualifications for bank products.

Key Responsibilities / Essential Functions

• Actively initiates business contacts, leads, and referrals to develop relationships and promote bank products and services.
• Actively engages and interacts with branch partners to educate branch staff on identifying needs and helping to make referrals.
• Counsels customers on business financing needs, and process and completes detailed review of loan application and other business services.
• Analyzes customer financial status, credit, and property evaluations to determine loan feasibility.
• Develops and maintains loan and other products related to business banking pipeline.
• Teams with credit partners to facilitate review and processing of loans.
• Responds timely to customer inquiries concerning active loans, bank loan offerings, and other related business.
• Manages loan portfolio, and ensures appropriate process is followed on delinquent accounts.
• Stays current with and works within the commercial lending underwriting guidelines.

Job Requirements

Education:

• High school diploma or equivalent required.

Required:

• 7+ years of experience as a business relationship manager with demonstrated record.
• Must be bondable, and valid driver’s license.
• Demonstrated knowledge of banking policies, procedures, and lending practices, as well as credit analysis functions and related requirements and procedures.
• Thorough knowledge of all bank business lending and deposit products.
• Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws.
• Competent computer skills utilizing office and banking applications.
• Outstanding sales ability and service aptitude and has an outgoing nature with excellent skills at building and maintaining relationships.
• Highly developed communication (written and verbal) skills, and excellent presentation skills.
• Ability to resolve customer concerns/issues in a positive way.
• Effective team member with demonstrated collaboration skills.
• Technically savvy, highly efficient in completion of work, and excellent attention to detail.
• Ability to think and act independently within guidelines and limitations of bank policy and assigned personal authority.
• Proficient in Microsoft Office products.

Preferred:

• Bachelor’s degree in business, finance, or related field.
• Management experience with leadership coaching and development history.
• Successful completion of bank training program(s) for lending.

About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, and Tennessee. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization.

Work Environment, Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting up to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery or other job-related tools.

DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.