Universal Banking Associate

HomeTrust Bank•Wade Hampton, SC

About The Position

The Universal Banking Associate provides customer service by efficiently managing customer interactions and recommending solutions based on customer needs. The role handles transaction processing, opens new accounts, maintains existing accounts, and supports customer relationships through in-person interactions and phone conversations. The associate serves as a primary customer contact for teller transactions, account opening and maintenance, and a range of banking services. Responsibilities also include cash and vault control, account and payment processing, sales and referrals, regulatory compliance, and participation in training and business-center activities. The position operates in a professional office environment and may require reasonable accommodation for qualified individuals with disabilities.

Requirements

High school diploma or equivalent.
At least 5 years of public-contact or sales experience.
Experience in an SSA position or equivalent at another financial institution.
Above-average PC and technology skills, including ability to use applicable software and branch automation systems.
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.
Thorough knowledge of teller systems and applications; basic and complex consumer account opening and maintenance; teller-window transaction processing; and wire transfers.
Sales and service skills and knowledge of bank products and services sufficient to identify customer and prospect needs, conduct sales and service conversations in person and by phone, and refer quality business.
Keep abreast of policy and procedure changes related to retail and consumer lending products.
Excellent verbal and written communication skills, ability to resolve customer concerns positively, and strong attention to detail.
Successfully complete 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 the HomeTrust corporate culture through actions and words.
Show personal initiative and serve as a positive example for others.
Work 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 apply bank policies and procedures to support operational efficiency and regulatory compliance.
Ability to work with limited or no direct supervision.
Organized, with an aptitude for basic math.
Ability to think and act independently within bank policy and assigned-authority limits.
Proficiency with Microsoft Office products.

Nice To Haves

Associate or bachelor’s degree in a relevant field.

Responsibilities

Attract and retain customer relationships by providing 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.
Make outbound client calls to support business-center development.
Handle teller-line transactions and move to lobby workstations for customer conversations and account opening.
Accept and process cash and check deposits, verify amounts and endorsements, record deposits, and place holds for uncollected funds.
Cash checks and process withdrawals after verifying signatures and account balances.
Receive and process mortgage, consumer-loan, and other payments, ensuring payments 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 shift end, compare totals with the computer-generated proof sheet, and report discrepancies to a supervisor.
Serve as vault custodian and maintain vault control and balance.
Provide customer services including wire transfers, explain product features and benefits, gather information for new consumer and business accounts, and update or maintain existing accounts.
Open new IRAs and process IRA contributions and distributions.
Participate in retail and business sales, service, and product training; team huddles; and other scheduled meetings, and assist with business-center operations and audit adherence.
Promote retail and business banking products and services, including checking, savings, money market accounts, certificates of deposit, debit cards, online and mobile banking, consumer loans, HELOCs, and business loans.
Introduce other financial institution products and 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 and 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 unlawful activity.
Complete mandatory annual compliance training.
Perform other duties and special projects as assigned.