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HomeTrust Bank · 1 day ago

Sales and Service Associate II

Asheville, North Carolina, United States

Full-time

Onsite

Mid Level

3+ years exp

HomeTrust Bank is a community-focused financial institution committed to providing value-added banking services. The Sales and Service Associate II is responsible for delivering exceptional customer service, managing customer interactions, and handling transaction processing to establish and enhance customer relationships.

BankingCommunitiesFinancial Services

Responsibilities

Attract and retain customer relationships by delivering customer service both in person and by phone, identifying customer needs and suggesting appropriate products and services to solidify and enhance relationships

Serve as primary customer contact for transaction processing, new account opening, problem resolution, and account maintenance requests

Handle transactions at the teller line and move to a lobby workstation for customer conversations and new account opening, creating a central location for the customer’s financial needs

Receive checks and cash for deposits to accounts, verify amounts, examine checks for proper endorsement, enter deposits into computer records, and place holds on accounts for uncollected funds

Cash checks and process withdrawals, pay out money after verification of signatures and customer balances

Provide a complete range of customer services including wire transfers, explain bank product and service features and benefits, gather customer information to set up new accounts (basic and complex consumer accounts), and process updates or to provide maintenance on existing accounts

Perform as the vault custodian maintaining control and balance of the vault

Participate in retail sales, service and product training meetings, branch huddles, and other meetings as scheduled

Directly promote and offer solutions for all retail bank products and services, including checking, savings, money market, certificates of deposit, debit card, online/mobile banking, and consumer loans

Promote and introduces other financial institution products and services to customers and makes appropriate referrals, including HELOC loans, IRAs, mortgage referrals, investment services, and treasury management services

Maintain confidentiality and security of sensitive information

Adhere to all corporate policies and procedures, Federal and State regulations and laws

Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws

Complete all mandatory annual compliance training

Perform other duties and special projects as assigned

Qualification

Customer service experienceBanking regulations knowledgeTeller system proficiencySales/service skillsMicrosoft Office proficiencyCommunication skillsOrganizational skillsAttention to detailWork independently

Required

High school diploma or equivalent required

3+ years of public contact or sales experience

Experience in SSA position or equivalent at another financial institution

Above average PC and technology skills, and ability to use applicable software and operation branch automation systems

Familiarity with all 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 all applicable system applications, basic and complex consumer account opening and maintenance activities, all transaction processing functions performed at teller window, and processing wire transfers

Sales/Service skills - knowledge of bank products and services, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects both in-person and by phone, and/or refer quality business

Stay abreast of all changes in policies and procedures related to retail and consumer lending products

Excellent verbal and written communications skills, ability to resolve customer concerns/issues in a positive manner, and high attention to detail

Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position

Actively learns, demonstrates, and fosters the HomeTrust corporate culture in all actions and words

Takes personal initiative and is a positive example for others to emulate

Ability to understand and use bank policies and procedures to ensure operational efficiency and regulatory compliance

Ability to work with limited or no direct supervision

Must be organized and possess an aptitude for basic math

Ability to think and act independently within guidelines and limitations of bank policy and assigned personal authority

Proficient in Microsoft Office products