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 handles transaction processing, establishes new customer relationships, and enhances existing relationships through in-business center interactions and phone conversations. The associate serves as a primary customer contact for teller transactions, account opening and maintenance, and a broad range of retail and business banking services. The position operates in a professional office environment and routinely uses computers, phones, photocopiers, and scanners. Physical activities include reaching, sifting, 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, frequent communication, and movement around the office to attend meetings or access files and equipment. Reasonable accommodations may be made for qualified individuals.

Requirements

High school diploma or equivalent.
At least 5 years of public contact or sales experience.
Experience in an SSA position or equivalent position at another financial institution.
Above-average PC and technology skills and 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 teller systems and applicable applications, consumer account opening and maintenance, teller transaction processing, and wire transfers.
Sales and service skills, including knowledge of bank products and services and the ability to identify customer needs, conduct sales and service discussions in person and by phone, and make appropriate referrals.
Ability to stay current on changes in 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 training programs for new account functions within one year of accepting the position.
Ability to learn, demonstrate, and foster HomeTrust's corporate culture.
Personal initiative and ability to serve as a positive example.
Team- and goal-oriented approach, working cooperatively toward branch and individual sales and service goals within bank standards and guidelines.
Ability and desire to establish credibility as a knowledgeable financial problem solver.
Ability to understand and use 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 and assigned authority.
Proficiency in Microsoft Office products.

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 recommending appropriate products and services.
Serve as the primary customer contact for transaction processing, new account opening, and account maintenance requests.
Participate in outbound customer calls to support business center development.
Handle teller-line transactions and move to a lobby workstation for customer conversations and new account openings.
Process deposits by receiving checks and cash, verifying amounts, checking endorsements, recording deposits, and placing 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 they match balances due.
Check night depository bags and record required information on financial institution forms.
Secure cash and negotiable items, balance the cash drawer at the end of each shift, compare totals with the computer-generated proof sheet, and report discrepancies to a supervisor.
Serve as vault custodian and maintain control and balance of the vault.
Provide customer services including wire transfers, explaining bank products and features, gathering information for new consumer and business accounts, and maintaining existing accounts.
Serve as an IRA specialist by opening IRAs and processing contributions and distributions.
Participate in sales, service, product training, team huddles, and other scheduled meetings; assist with business center operational and audit adherence.
Promote and offer retail and business products and services, including deposit accounts, certificates of deposit, debit cards, online and mobile banking, consumer loans, HELOCs, and business loans.
Promote other financial institution services and make appropriate referrals, including mortgage, investment, treasury management, and business banking referrals.
Provide micro-lending services and refer clients to the Business Center Manager or Business Banker as appropriate.
Maintain the confidentiality and security of sensitive information.
Follow corporate policies, procedures, and applicable federal and state laws and regulations.
Follow BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending requirements to help identify and deter money laundering and other unlawful activities.
Complete mandatory annual compliance training.
Perform other duties and special projects as assigned.