Deposit Operations Analyst Jobs in Virginia (NOW HIRING)

Job Summary

The primary responsibilities of the 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

• Performs business development activity through external calling efforts on existing clients and prospect. 
• Gathers information needed to assess business loan, deposit, and treasury management needs of clients and prospects.
• Develops solutions and presents bank product or services to include features and benefits to clients and prospects.
• Analyzes the prospective client’s financial statements and assists in credit underwriting.
• Teams with Treasury Management to develop business opportunities within existing portfolio and prospects.
• Manages loan portfolio to maintain and protect credit quality. 
• Maintains 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. 
• Promotes and introduces personal/consumer bank services to customers, including consumer and mortgage loans, IRAs, and certificates of deposit.
• Refers commercial partners to opportunities, including mortgage, investment, insurance, equipment finance, and SBA.
• Maintain confidentiality and security of sensitive information.

Job Requirements

Education:

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

Required:

• 5+ 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, 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 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 fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting up 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 values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.