Universal Banking Associate

HomeTrust Bank•Charlotte, NC

About The Position

The Universal Banking Associate provides elite customer service by efficiently managing customer interactions and offering solutions based on customer needs. The role processes transactions, establishes new customer relationships, and enhances existing relationships through in-business-center interactions and phone conversations. It combines teller-line responsibilities with customer conversations and new account opening at a lobby workstation, serving as a central point for customers’ financial needs. The associate provides a range of retail and business banking services, including transaction processing, account opening and maintenance, wire transfers, IRA services, loan and payment processing, and referrals to other financial services. The role promotes bank products and services, supports business-center development, and helps meet branch and individual sales and service goals. It also maintains the security of cash and sensitive information, supports operational controls and audits, and follows applicable corporate policies, banking regulations, and compliance requirements. The position operates in a professional office environment and routinely uses standard office equipment. HomeTrust Bank describes itself as a North Carolina-chartered, community-focused financial institution founded in 1926, serving customers through online and mobile channels and locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia.

Requirements

High school diploma or equivalent.
At least 5 years of public-contact or sales experience.
Experience in an SSA position or an equivalent position at another financial institution.
Above-average PC and technology skills, including the ability to use applicable software and branch automation systems.
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.
Thorough knowledge of the Teller system and applicable system applications, basic and complex consumer account opening and maintenance, teller-window transaction processing, and wire-transfer processing.
Sales and service skills and knowledge of bank products and services sufficient to identify and meet customer and prospect needs, conduct sales and service discussions in person and by phone, and refer quality business.
Ability to stay current on changes to policies and procedures related to retail and consumer-lending products.
Excellent verbal and written communication skills; ability to resolve customer concerns positively; and strong attention to detail.
Successful completion of in-house or other approved or assigned training programs for the new-accounts function within one year of accepting the position.
Actively learn, demonstrate, and foster HomeTrust’s corporate culture; take personal initiative and set a positive example.
Team- and goal-oriented approach, working cooperatively to achieve branch and individual sales and service goals within bank standards and guidelines.
Ability and desire to gain credibility as a knowledgeable financial problem solver.
Ability to understand and apply bank policies and procedures to support operational efficiency and regulatory compliance.
Ability to work with limited or no direct supervision.
Organizational skills and aptitude for basic math.
Ability to think and act independently within bank-policy guidelines and assigned authority.
Proficiency in Microsoft Office products.
Ability to meet the position’s physical requirements, including reaching, shifting, lifting up to 25 pounds, finger dexterity, grasping, feeling, repetitive motions, talking, and hearing; required vision abilities include close and distance vision and adjusting focus.
Ability to exchange accurate information with others and move around the office to attend meetings or access files, machinery, and other job-related tools.

Nice To Haves

Associate or bachelor’s degree in a relevant field.

Responsibilities

Attract and retain customer relationships by delivering customer service in person and by phone, identifying customer needs, and suggesting appropriate products and services.
Serve as the primary customer contact for transaction processing, new account opening, and account maintenance requests.
Participate in outbound customer phone calls to support business-center development.
Handle teller-line transactions and move to a lobby workstation for customer conversations and new account opening.
Receive and process deposits, verify amounts and endorsements, 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 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.
Act as vault custodian, maintaining control and balance of the vault.
Provide customer services including wire transfers; explain product and service features and benefits; gather information to open consumer and business accounts; and update or maintain existing accounts.
Serve as an IRA specialist by opening new IRAs and processing contributions and distributions.
Participate in retail and business sales, service, and product training meetings, team huddles, and other scheduled meetings; assist with business-center operations and audits.
Promote and offer retail and business banking products and services, including checking, savings, money market accounts, certificates of deposit, debit cards, online and mobile banking, consumer loans including HELOCs, and business loans.
Promote and introduce other financial-institution products and services and make appropriate referrals, including mortgage, investment-services, treasury-management, and business-banking referrals.
Provide micro-lending services and make appropriate referrals to the Business Center Manager or Business Banker.
Maintain confidentiality and security of sensitive information.
Follow corporate policies and procedures and applicable federal and state regulations and laws, including BSA, AML, CIP, OFAC, lending, consumer-compliance, and fair-lending requirements.
Complete mandatory annual compliance training.
Perform other duties and special projects as assigned.