Business Banking Officer

About the role

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 the needs of clients within a designated geographical territory. Target clients typically have annual revenues of $500,000 to $5,000,000 with lending needs of up to $1,500,000.

Responsibilities

• Actively initiate business contacts to develop relationships, promote bank products/services, and maintain a business acquisition pipeline and existing portfolio.
• Engage and interact with branch partners to educate branch staff on client needs identification and referrals.
• Counsel customers on business financing needs, and process and complete detailed reviews of loan applications and other business services.
• Analyze customer financial status, credit, and property evaluations to determine loan feasibility.
• Partner with the Credit team to facilitate the review and processing of loans.
• Partner with other lines of business to develop leads and referrals within the existing portfolio.

Requirements

• High school diploma or equivalent required.
• 3+ years of experience as a business lender with a 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.

Qualifications

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

About the company

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, Tennessee, and Georgia.

Work Environment

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.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and scanners.
• Specific vision abilities required include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, lifting up to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking, and hearing is 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 access files, machinery, or other job-related tools.