Sales and Service Associate

HomeTrust Bank • Asheville, NC

7d

About The Position

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

The role also promotes retail banking products and services, makes referrals to other financial services, maintains secure and accurate cash-handling practices, and follows applicable bank policies and regulatory requirements. The position operates in a professional office environment and routinely uses standard office equipment. Reasonable accommodations may be made for qualified individuals with disabilities.

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.
• Organizational skills, attention to detail, and aptitude for basic math, including account-opening and maintenance activities.
• Familiarity with federal and state banking regulations related 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 in 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 and process check and cash deposits, verify amounts and endorsements, record deposits, 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 amounts 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 and 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 the confidentiality and security of sensitive information.
• Follow corporate policies and procedures, federal and state regulations, and applicable laws.
• Complete mandatory annual compliance training.
• Follow regulatory requirements concerning BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending, supporting the identification and deterrence of 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