Job Description:

Job Summary

Reporting to the Senior Credit Officer – Business Banking, this position supports Business Banking Officers and Business Banking Branch Managers with the execution of business loans from the approval stage to funding and post-closing.  Ensures high-quality service to client base through communication, timely and accurate follow-through, and problem-resolution on behalf of the client and Relationship Manager while maintaining positive relationships with customers and fellow employees.

 

 

Key Responsibilities / Essential Functions

• Maintain electronic loan and credit files in Nautilus for the Senior Business Banking Officer.

• Research and answer questions regarding process or other transaction-related items. 

• Maintain the accuracy and cleanliness of the Commercial Loan Process system (CLP) for applications in all milestones post-approval.

• Coordinate preparation of loan and packages including: Customer Identification Program for Borrower and Guarantors, determine beneficial ownership, obtain and review entity documents, obtain insurance(s), obtain proper disclosures, order appraisals, and review documents (Loan-to-Value, environmental collateral screens, real estate title commitments, endorsements and title searches, etc.).

• Ensure conditions of approval are met before the loan closes, and coordinate loan closings with Doc Prep, customers, attorneys/settlement agents, and Relationship Manager.

• Review executed loan packages for completeness and prepare for post-closing.

• Partner with Portfolio Monitoring Group/Commercial Portfolio Manager teams with modifications, renewals, and short-term extensions. 

Job Requirements

Education:

• High school diploma or equivalent required. 

Required:

• 3 years of commercial or business banking experience.

• Familiarity with all federal and state banking regulations pertaining to business lending including fair lending laws, Home Mortgage Disclosure Act, Flood Disaster Protection Act, Bank Secrecy Act, and USA Patriot Act.

• Proficient in ordering/reviewing Uniform Commercial Code searches to ensure the proper lien position.

• Proficient in all areas of a real estate transaction from ordering/reviewing, appraisals (order), insurance verification, flood determination (order) title policies, loan documents, entity documents, beneficial ownership, closing instructions, Department of Housing and Urban Development research, and credit approval packages.

• Must have a clear understanding how to review and ensure the accuracy of loan documents.

• Ability to process work accurately and effectively, multi-task in a high-paced working environment, and demonstrate attention to detail.

• Manage prioritization of workflow for maximum efficiency (especially supporting multiple Relationship Managers).

• Ability to handle confidential information in a professional manner

• Proficient math and organizational skills.

• Ability to communicate in a positive, professional, and effective manner, and ability to maintain excellent relationships with staff, outside partners, and customers.

• Must be able to take initiative to expedite loans and solve problems with minimal guidance. 

• Proficient in Microsoft Office products.

Preferred:

• College coursework in accounting or finance.

• Familiarity with LaserPro Loan Documents.

 

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

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

See job description

Apply Now