Business Banking Officer

Job Summary

The Business Banking Officer proactively develops and maintains business relationships through calling efforts and relationship building.  This position establishes business loan, deposit, treasury management and other related services to meet needs of clients within a designated geographical territory, and target clients typically have annual revenues of $500,000 to $5,000,000 with lending needs of up to $1,500,000.

Key Responsibilities / Essential Functions


* Actively initiates business contacts to develop relationships, promote bank products/services, and maintain business acquisition pipeline and existing portfolio.


* Actively engages and interacts with branch partners to educate branch staff on client needs identifications and 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.


* Partners with Credit team to facilitate the review and processing of loans. 


* Partners with other lines of business to develop leads and referrals within existing portfolio.

Job Requirements

Education:


* High school diploma or equivalent required.

Required:


* 3+ years of experience as a business lender required with demonstrated record of achieving goals.


* Successful completion of bank training program(s) for lending (depending on experience and background as a lender).


* Must be bondable and have a valid driver’s license.


* Excellent attention to detail, communication skills, and ability to network and build business relationships.


* Thorough knowledge of all bank business lending and deposit products.


* Demonstrated knowledge of bank policies, procedures, lending practices, and bank business lending and deposit products.


* Demonstrated knowledge of credit analysis functions and related requirements and procedures.


* Ability to think and act independently within guidelines of bank policy and assigned personal authority.


* Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws.


* Proficient in Microsoft Office products.

Preferred:


* Bachelor’s degree in business, finance, or related field.



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*This position with be required to be in Cornelius a minimum of 2 days per week.

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 ...