Universal Banking Associate

HomeTrust Bank•Cornelius, 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, opens new accounts, maintains existing accounts, and develops customer relationships through in-person business center interactions and phone conversations. It combines teller-line duties with lobby-based customer conversations and account opening, serving as a central point of contact for customers’ financial needs. The associate supports retail and business sales and service, explains financial products and services, identifies customer needs, and makes appropriate referrals. The position also helps maintain operational and regulatory compliance, secures and balances cash and negotiable items, participates in training and meetings, and completes other assigned duties and projects.

Requirements

High school diploma or equivalent.
At least 5 years of public contact or sales experience.
Experience in an SSA position or equivalent role 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 for lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act.
Thorough knowledge of teller systems and applications, consumer account opening and maintenance, teller transaction processing, and wire transfers.
Knowledge of bank products and services and ability to identify customer needs, conduct sales and service conversations in person and by phone, and refer business.
Ability to stay current with 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.
Successful completion of in-house or other approved training programs for new accounts within one year of accepting the position.
Ability to demonstrate and foster the HomeTrust corporate culture, take initiative, and serve as a positive example.
Cooperative, team- and goal-oriented approach to meeting branch and individual sales and service goals within bank standards.
Ability and desire to develop credibility as a knowledgeable financial problem solver.
Ability to apply bank policies and procedures to support operational efficiency and regulatory compliance.
Ability to work with limited or no direct supervision.
Organization and basic math aptitude.
Ability to think and act independently within bank policy and assigned authority.
Proficiency in Microsoft Office products.
Ability to meet the described physical requirements, including lifting up to 25 pounds, reaching, shifting, finger dexterity, grasping, feeling, repetitive motions, talking, and hearing.

Nice To Haves

Associate or bachelor’s degree in a relevant field.

Responsibilities

Deliver customer service in person and by phone, identify customer needs, and suggest suitable products and services to attract and retain relationships.
Serve as the primary customer contact for transaction processing, new account opening, and account maintenance.
Make outbound client calls to support business center development.
Process teller transactions, including deposits, check cashing, withdrawals, loan payments, and night depository activity.
Verify transaction details, endorsements, signatures, and account balances; enter deposits and place holds when appropriate.
Secure cash and negotiable items, balance the cash drawer, report discrepancies, and serve as vault custodian.
Provide customer services including wire transfers, consumer and business account setup and maintenance, and IRA openings, contributions, and distributions.
Promote retail and business bank products and services, including deposit accounts, certificates of deposit, debit cards, online and mobile banking, consumer loans, HELOCs, and business loans.
Make appropriate referrals for mortgage, investment, treasury management, and business banking services; provide micro-lending services and refer clients when appropriate.
Participate in sales, service, product training, team huddles, and other meetings; support business center operations and audits.
Maintain confidentiality and security of sensitive information and comply with corporate policies, applicable laws, and regulatory requirements, including BSA, AML, CIP, OFAC, lending, and consumer compliance requirements.
Complete mandatory annual compliance training and other assigned training programs.
Perform other duties and special projects as assigned.