Sales and Service Associate

HomeTrust Bank•Tryon, NC

About The Position

The Sales and Service Associate handles routine financial transactions, helps customers find solutions for their financial needs, and resolves problems with existing accounts. The role engages with new businesses and individuals to explain the institution’s products and services and serves as the primary customer contact for new account openings, account maintenance, and problem resolution. The position performs deposit, withdrawal, check-cashing, and loan-payment transactions; safeguards and balances cash and negotiable items; and promotes and refers customers to retail banking and other financial products. The associate participates in training, protects confidential information, and follows company policies and applicable banking laws and regulations, including required compliance procedures. Other duties and special projects may be assigned. The job operates in a professional office environment and uses standard office equipment. It involves frequent communication, movement around the office, and physical activities including reaching, sifting, lifting up to 25 pounds, finger dexterity, grasping, feeling, and repetitive motions. Close and distance vision and the ability to adjust focus are required.

Requirements

High school diploma or equivalent.
At least 1 year of public contact or sales experience.
Above-average PC and technology skills.
Ability to use applicable software and operate branch automation systems.
Excellent interpersonal and verbal communication skills, including the ability to resolve customer concerns positively.
Organization, attention to detail, and aptitude for basic math, including account opening and maintenance activities.
Familiarity with federal and state banking regulations pertaining to lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act.
Knowledge of bank products and services sufficient to identify and assist with customer and prospect needs and conduct sales and service dialogues.
Ability to stay abreast of policy and procedure changes related to retail and consumer lending products.
Successful completion of in-house training programs within one year of accepting the position.
Proficiency in Microsoft Office products.

Nice To Haves

College degree in a related field.
Financial industry experience.

Responsibilities

Serve as the primary customer contact for new account openings, account maintenance requests, and problem resolutions.
Receive checks and cash for deposits; verify amounts, examine checks for proper endorsement, enter deposits into computer records, and place holds on accounts for uncollected funds.
Cash checks and process withdrawals after verifying signatures and customer balances.
Receive and process mortgage, consumer loan, and other payments, ensuring payments match balances due.
Check night depository bags and record the required information on financial institution forms.
Secure cash and negotiable items, balance the cash drawer at the end of the shift, compare totals with the computer-generated proof sheet, and report discrepancies to a supervisor.
Promote and offer retail bank products and services, including checking, savings, money markets, certificates of deposit, debit cards, online/mobile banking, and consumer loans.
Promote and introduce other financial products and services and make appropriate referrals, including HELOC loans, IRAs, mortgage referrals, investment services, and treasury management services.
Participate in branch and bank sales, service, and product training meetings.
Maintain the confidentiality and security of sensitive information.
Adhere to corporate policies and procedures and applicable federal and state regulations and laws.
Complete mandatory annual compliance training.
Follow BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending requirements to help identify, detect, and deter money laundering and other unlawful activities.
Perform other duties and special projects as assigned.