Senior Commercial Relationship Manager

Job Summary

The primary responsibilities of the Sr Commercial Relationship Manager include business development, origination of business loan, deposit, and treasury management products, and this position assesses customer needs and develops and presents appropriate banking solutions that meet customer needs.  This position is expected to source a minimum of 75% of business from external calling efforts, and there is a high level of personal monthly loan production, spending approximately 60% to 70% of time outside of office engaged in business development and consultation activities with clients, prospects, and referral sources.   

Key Responsibilities / Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

• Perform business development activity through external calling efforts on existing clients and prospects.  
• Gather information needed to assess business loan, deposit, and treasury management needs of clients and prospects.
• Develop solutions and present bank product or services to include features and benefits to clients and prospects.
• Analyze the prospective client’s financial statements and assist in credit underwriting.
• Team with Treasury Management to develop business opportunities within existing portfolio and prospects.
• Manage loan portfolio to maintain and protect credit quality.  
• Maintain a good working relationship with branches, credit administration, loan operations, deposit operations, mortgage, and all other partner groups, working as a team internally and across departments.  
• Promote and introduce personal/consumer bank services to customers, including consumer and mortgage loans, IRAs, and certificates of deposit.
• Refer commercial partners to opportunities, including mortgage, investment, insurance, equipment finance, and SBA.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies andn procedures, Federal and State regulations, and laws. 
• Complete all mandatory annual compliance training. 
• Follow 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 determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws. 

Job Requirements

Education:

• Bachelor’s degree in business, finance or related field; may also consider a reasonable combination of experience and education. 

Required:

• 8 years of experience as a business or commercial banker required with demonstrated record achieving goals. 
• Demonstrated knowledge of bank policies, procedures, and lending practices. 
• Thorough knowledge of all business lending and deposit products. 
• Demonstrated knowledge of credit analysis functions and related requirements and procedures.
• Ability to successfully complete bank training program(s) for lending (depending on experience and background as a lender). 
• Highly developed communication and presentation skills. 
• Ability to resolve customer concerns/issues in a positive way. 
• Effective team member and demonstrated collaboration skills. 
• Skilled professional networker. 
• Excellent attention to detail. 
• Proficient in Microsoft Office products.

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, Tennessee, and Georgia. 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 scanners. 
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. 
• Physical activity requiring reaching, sifting, lifting 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's policy is to provide equal employment opportunities to all persons regardless of race, color, religion, sex (including sexual orientation and gender identity), national origin, age, disability, genetic information, protected veteran status, or any other characteristic protected by federal law. Employment decisions will be based on valid job requirements and business needs, and we administer personnel action (including recruitment, selection, promotion, compensation, benefits, transfers, layoffs, training, and social/recreation programs) without discrimination on any prohibited basis.