Senior Commercial Credit Analyst

Job Summary

The Senior Commercial Credit Analyst assists Portfolio Managers with underwriting new money, renewals and annual review credit packages. The Senior Commercial Credit Analyst spreads personal and global financial statements, completes CRE & C&I worksheets and trend cards; analyzes business and industry trends; analyzes financial statements; builds and analyzes projections; and completes other due diligence required to finalize a credit package.

Key Responsibilities / Essential Functions

• Spreads personal and global cash flow statements.
• Analyzes business and industry trends.
• Completes C&I and CRE trend cards and worksheets.
• Completes financial statement analysis and projections.
• Assists Portfolio Managers with the completion of annual credit reviews, renewals, new money requests, extensions, and modifications.
• Assists and mentors Credit Analysts with the completion of spreads, borrowing bases, and covenant calculations. 

Job Requirements

Education:

• Bachelor’s degree in Accounting, Finance, or related field. 

Required:

• Minimum of 3 years of experience.
• Strong communication and interpersonal skills, organizational and time management skills.
• Works with a sense of urgency.
• Must be a self-starter with a strong worth ethic.
• Demonstrated ability to work independently to meet deadlines while managing multiple projects / processes.
• High degree of personal and professional integrity – consistent, trustworthy, honest, and fair in dealing with bank staff and customers.
• Must be flexible and willing to take-on projects and responsibilities outside the primary scope of position.
• Proficient with 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.