Sales and Service Associate

HomeTrust Bank • Tryon, NC

8d • Onsite

About The Position

The Sales and Service Associate handles routine financial transactions, helps customers identify solutions for their financial needs, and resolves problems with their accounts. The associate engages with new businesses and individuals to explain the bank’s products and services and serves as the primary customer contact for new account openings, account maintenance requests, and problem resolution.

The role performs deposits, withdrawals, check cashing, loan payment processing, night depository processing, and cash drawer balancing. It also promotes retail banking products and services, makes referrals for other financial products, participates in training, protects sensitive information, and complies with applicable bank policies, procedures, and regulations. Other duties and special projects may be assigned.

The position operates in a professional office environment and routinely uses standard office equipment, including computers, phones, photocopiers, and fax machines. Physical activities include reaching, shifting, lifting up to 25 pounds, finger dexterity, grasping, feeling, repetitive motions, talking, and hearing. The role requires close and distance vision and the ability to adjust focus; the employee may move around the office to attend meetings and access files or equipment.

Requirements

• High school diploma or equivalent.
• At least 1 year of public contact or sales experience.
• Above-average PC and technology skills, including ability to use applicable software and 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 discussions.
• Ability to stay current on changes to policies and procedures 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 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 information on the financial institution’s forms.
• Keep cash and negotiable items secure, balance the cash drawer at shift end, 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.
• Introduce other financial institution 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 confidentiality and security of sensitive information.
• Follow corporate policies and procedures, 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 and deter money laundering and other unlawful activities.
• Perform other duties and special projects as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED