Universal Banking Associate

HomeTrust Bank•Cornelius, NC

14h

About The Position

The Universal Banking Associate provides customer service by efficiently managing customer interactions and offering solutions based on customer needs. The role handles transactions, opens new accounts, maintains existing accounts, and develops customer relationships through in-person business center interactions and phone conversations. The associate supports retail and business sales and service, promotes bank products, makes referrals, and performs teller, vault, and account-related duties while following applicable policies and regulatory requirements. The position operates in a professional office environment and routinely uses standard office equipment, including 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 employee frequently communicates and may move around the office to attend meetings or access files, machinery, and other job-related tools. Reasonable accommodations may be made for qualified applicants and employees.

Requirements

High school diploma or equivalent required.
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 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 transfers.
Knowledge of bank products and services sufficient to identify and meet customer and prospect needs, conduct sales and service conversations in person and by phone, and/or refer quality business.
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.
Successfully complete in-house or other approved or assigned training programs for the new accounts function within one year of accepting the position.
Learn, demonstrate, and foster HomeTrust’s corporate culture in actions and words.
Take personal initiative and serve as a positive example for others.
Work cooperatively in a team- and goal-oriented manner to meet 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.
Organized, with an 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.
Make outbound client phone calls to support business center development.
Handle teller-line transactions and meet customers at lobby workstations for conversations and new account opening.
Receive checks and cash for 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 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 the supervisor.
Serve as vault custodian and maintain 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 IRAs and processing contributions and distributions.
Participate in retail and business sales, service, and product training, 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, HELOCs, and business loans.
Promote 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.
Follow BSA, AML, CIP, OFAC, lending, consumer compliance, and fair lending requirements to help identify, detect, and deter money laundering and other unlawful activities.
Complete mandatory annual compliance training.
Perform other duties and special projects as assigned.