Commercial Banking Associate

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Commercial Banking Associate
Duties: Greet and assist customers in person and by telephone, fax, or electronic mail. Meet with customers to assist with loan closings at Relationship Manager’s request. Work as a team internally and across departments. Maintains good working relationship with branches, credit administration, loan operations, deposit operations, mortgage, and all other partner groups. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and facilitate updates or maintenance on existing accounts. Thorough knowledge of loan, deposit, treasury, and other related products offered to the commercial line of business. Promotes and introduces personal/consumer Bank services to customers such as: consumer and mortgage loans, IRAs, certificates of deposit, etc. Refer opportunities to commercial partners: mortgage, investment, insurance, equipment finance, and SBA. Look for sales opportunities by promoting HomeTrust’s products and services within existing portfolio. Assist with maintenance of Commercial Prospect Tool, identify possible prospects. Conduct prospect/industry research utilizing all available tools including RMAU and CRS. Maintain electronic loan, credit, and deposit customer files. Coordinate deposit account opening, maintenance, online banking, etc. Partner with Treasury Management Sales Officer to suggest possible products, services, maintenance, questions, etc. Track online banking and Treasury Management routing and progress until successful implementation. Maintain on-going maintenance for customers. Prepare account maintenance changes to commercial loans as necessary under direction of Relationship Manager. Maintain Commercial Loan Process system (CLP) for prospects and applications in all milestones. Keep accurate and clean. Partner with credit analysis department regarding spreads and underwriting requests through CLP. Assist Relationship Manager with the completion of Credit Request Form in the CLP system and completion of the underwriting workbook. Assist Relationship Manager(s) with the review of term sheets, commitment letters, credit memos, etc. for content and accuracy. Assist Relationship Manager with the completion/compilation of the Credit Approval Package. Also, ensure conditions of approval are met before the loan closes. Coordinate preparation of loan and packages including, but not limited to: CIP Borrower and Guarantors, determine Beneficial Ownership, perform OFAC searches, obtain insurance, UCC lien searches, enter transactional data in to the origination system, obtain proper disclosures, ensure proper approval authority, order appraisals and evaluations, surveys, environmental collateral screens, etc. Review executed loan packages for completeness and prepare for post-closing. Facilitate routine loan disbursements for commercial construction loans (if necessary) and lines of credit as well as other general ledger functions for Relationship Manager(s) and customers. Coordinating with Residential or Commercial Construction departments when appropriate. Partner with PMG/CPM teams in (1) collecting financial information, (2) modifications, renewals, and annual review transactions. Request (either through customer or Relationship Manager) updated financial information such as tax returns, financial statements, receivables, and inventory, borrowing base certificates, etc. Coordinate loan closings with Doc Prep, customers, attorneys/settlement agents, and Relationship Manager. Clear all documentation exceptions in a timely manner. Works with Relationship Manager to ensure overdraft items are worked daily. Pulls and distributes daily/weekly/monthly reports, as necessary. Tracks annual reviews, renewing/maturing loans, lines of credit, and letters of credit and notifies action needed each month to Relationship Manager. Perform requests for research or any customer related requests or maintenance. Successful completion of in-house training programs or other approved/assigned training for sales, service, and products. Prepare expense reports for supported RMs. Adhere to all rules and regulations applicable to this position. Performs other duties as requested.

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