Commercial Banking Associate

Job Summary

The Commercial Banking Associate supports Regional/Market Presidents, Commercial Relationship Managers, and commercial customers and prospects with all functions related to commercial loans, deposit services, online banking, and treasury management services to leverage Relationship Managers’ (RM) abilities to develop and retain profitable customer relationships. This position encompasses coordination for deposit account opening and construction loan administration and will maintain and manage the Commercial Loan Process system for RMs they support.

• Create and maintain electronic commercial relationship customer files.
• Initiate and manage commercial relationship files in the Commercial Loan Process system (CLP) for prospects and applications to ensure efficient movement through underwriting.
• Prepare and execute account maintenance changes to commercial relationship files including loans and deposit accounts; coordinate deposit account opening, maintenance, online banking, and Treasury Management referrals by partnering with appropriate Treasury Management team members.
• Collect and review all components of a loan file to verify accuracy including CIP borrower and guarantors, beneficial ownership forms, OFAC searches, insurance policies, UCC lien searches, proper approval authority, and environmental collateral screens.
• Deepen the commercial relationship by identifying potential personal/consumer bank needs, including consumer and mortgage loans, IRAs, and certificates of deposit, and refer to the appropriate team member.
• Collaborate with Treasury Management on successful implementations and provide ongoing maintenance for customers.
• Assist Relationship Manager with the completion of the credit approval package and the appropriate components, actively reviewing term sheets, commitment letters, and credit memos for content and accuracy.
• Support Commercial Relationship Managers with day-to-day portfolio management by clearing documentation exceptions, collecting financial requirements, and reviewing internal tracking reports.
• 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 all 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 deterrence 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.

High school diploma or equivalent.

• 0 to 2 years of commercial or business banking experience.
• Knowledge of bank products and services ideally in commercial lending.
• Understanding of regulations and timing requirements for the Home Mortgage Disclosure Act, Flood Disaster Protection Act, ECOA, Appraisal Delivery, and Beneficial Ownership.
• Ability to process work accurately and effectively, multitask in a high-pace environment, and handle confidential information professionally.
• Manage prioritization of workflow to maximize efficiency, especially when supporting multiple RMs.
• Above-average computer skills (Word, Excel, PowerPoint, Outlook) and proficient math and organizational skills.
• Ability to communicate positively and effectively in one-on-one and small-group meetings, and discuss commercial loan and deposit procedures with customers.
• Effective team member with demonstrated collaboration skills.
• Ability to think and act independently within bank policy and assigned personal authority limits.

• Bachelor’s degree in a related business field.
• Familiarity with Laser Pro Loan Documents.
• Previous experience in one or more of the following areas: administrative, bookkeeping, teller, paralegal, and loan servicing.

Home Trust Bank, founded in 1926, is a North Carolina-chartered, community-focused financial institution…