HomeTrust Bank

  • Asheville, NC, United States

HomeTrust Bank’s people make all the difference, and having the right people in the right positions means our customers receive the best service possible.

At HomeTrust, we attract people with top talent, people who have strong financial service industry skills that match the specific positions we need. As importantly, we look for individuals whose values match our values, people who listen, who love to serve, and who give back to their communities. If your values and experience are a good fit, you should consider HomeTrust Bank.

HomeTrust Bank Tennessee, USA
Oct 17, 2017
To achieve the bank's customer service, growth and compliance goals. Specific responsibilities include retail policy and procedure development, bank security, fraud detection and loss prevention, and to serve as an advocate for branch process improvement. To assure the efficient, effective, and safe operation of the bank's offices. Participate actively as a member of the Retail Banking Management Team. Specific Job Functions : Preserve and enhance the unique core values of HomeTrust Bank. Serve as retail office subject matter expert and resource to branch personnel and bank management. Retail Office process review and enhancement. Maintain current knowledge of regulations and compliance requirements. Provide support and training to branches regarding procedures, regulations, security and compliance. Coordinate with training in the design and delivery of necessary training programs (i.e. compliance, security, specialized training) to branch personnel. Serve as advocate and liaison between retail offices and support departments. Help facilitate system integration and implementation for new Partnerships. Serve as FiServ Teller system specialist. Identify problems and develop solutions for common operational problems that exist in multiple locations. Maintain retail policies for Board approval. Manage loss prevention with respect to fraud, forgeries, returned checks, new account safeguards, kiting, and teller over & short. Work with Retail Management Team with regard to product development to insure the smooth implementation of new products. Coordinate with Branch Management, Retail Sales and Service Leader and Employment Specialist to make sure proper staffing levels are maintained. Research and evaluate management responses to audit reports. Perform other duties as assigned. Knowledge/Skills Required : Thorough knowledge of all Bank products and services. Knowledgeable and Proficient in HTB account opening and maintenance activities. Sales/Service skills - sufficient knowledge of Bank products and services to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer quality business. Stays abreast of all changes in policies and procedures related to retail products. Excellent interpersonal/verbal communications skills. Ability to resolve internal customer concerns/issues in a positive way. Complete HTB Coaching training program within one year of accepting position. If required, complete HTB Teller and/or CSR training within one year of accepting position . Physical and Mental Qualifications : Ability to understand, and use Bank policies and procedures to ensure operational efficiency and regulatory compliance. Ability to communicate positively and effectively in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to travel in a designated geographic area. Personal traits : Presents a professional, business-like manner and appearance. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within corporate standards and guidelines. Ability to operate as an effective "coach" and provide balanced feedback to retail team Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to internal customers and teammates. Focus/desire to serve internal customer needs and provide excellent customer service. Job Requirements : Four year degree in business related field. Minimum four years of experience with facility, operations and compliance management. Strong analytical and problem solving skills. Previous leadership experience a plus. Good interpersonal and supervisory skills. Basic computer skills and ability to operate standard office equipment. Good basic math and computation skills. Must be bondable Valid driver's license required EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Johnson City, TN, USA
Oct 17, 2017
Location : 862 MedTech Parkway, Johnson City, TN 37604 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri The Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. 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. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. 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, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Oct 17, 2017
Location : 1825 Hendersonville Rd, Asheville, NC 28803 The Branch Manager functions as a sales and service coach. Primary responsibilities include driving Branch deposit, loan, investment and customer service performance level results. Directs, leads and executes a plan for achieving these results through superior sales and service behaviors and activities by entire branch team. Conducts regular sales meetings and coordinates strategy with Regional Manager. Responsible for selection, retention and development of top retail sales and service talent, and preparation and conducting of timely performance reviews. Responsible for ensuring that all business transactions and practices are in compliance with legal and regulatory requirements, as well as with HomeTrust Bank policy. Specific Job Functions : Drives branch performance results to meet/exceed branch sales/service goals. Manages CSR staff and Teller Supervisor directly, and Teller staff in conjunction with the Teller Supervisor. Works in collaboration with Retail Management in establishing branch and individual sales and service goals. Coordinates and/or conducts regular branch sales and service meetings. Coaches branch staff on sales and service behaviors/techniques. Acts as a sales/service resource for branch associates. Coordinates and reviews branch sales reports showing weekly/monthly sales and service performance for the branch and individuals. Develops and implements strategies and tactics to market banking services. Works with Branch staff to meet sales/service objectives. Responds to inquiries concerning customer service needs. Cross-sells and refers financial institution products and services as appropriate. Knowledge/Skills Required : Skilled sales/service leader with thorough knowledge of the sales/service process. Proven developer of sales/service teams. Thorough knowledge of all HomeTrust retail consumer products and services. Knowledge of loan and deposit processing functions and related requirements and procedures. Excellent attention to detail, organizational and communications skills. Successful completion (as required) of in-house training programs (if available), or approved outside training programs equivalent to; Complete as required due to previous experience, HTB teller and CSR training programs within 2 years of accepting position. Complete HTB Coaching training program within 1 year of accepting position. Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to support positive customer interactions. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to listen to and/or convey detailed or important instructions or ideas accurately and quickly. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Personal traits : Presents a professional, business-like manner and appearance. Sales and service aptitude and ability. Earns quick credibility. Excellent skills at building and maintaining relationships. Coach/mentor/developer of others. Highly developed communication and presentation skills. Ability to resolve customer concerns/issues in a positive way. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent. Three to five years of experience in sales and service leadership roles. Financial industry experience with loan, deposit or fee based products preferred but not required. Above average computer and keyboard skills. Ability to use applicable software and operate branch automation systems. Ability to operate standard office equipment such as PCs, fax, scanner, etc. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank 324 Ridgefield Ct, Asheville, NC 28806, USA
Oct 14, 2017
Location 324 Ridgefield Court Asheville, NC 28806 *This position has location flexibility. Position could reside in any of the following: North Carolina: Charlotte, Greensboro, Asheville, Raleigh Tennessee: Johnson City, Knoxville Virginia: Roanoke Salary Grade: 13 Basic Function Assists Bank Management in maintaining the quality of the Commercial Loan portfolio through the objective analysis of existing and potential customer relationships. This position will be targeted to underwrite credit relationships of varying complexity in the Bank by and providing thorough analysis and risk assessment to determine the risk grade of these businesses, the ultimate repayment ability of the businesses as well as the long term viability of these businesses. This position could have some management responsibility with Credit Analyst I positions in terms of reviews of business banking requests and corresponding analysis work. Candidate should possess a level of independent expertise sufficient to fully authenticate debt capacity of all different types of borrowers by validating appropriate structure, deciphering both quantitative and qualitative levels of working capital, on and off balance sheet cushions of protection, individualized risk points within each borrowing relationship and appropriately focused assessment of risk as it relates to management depth and breadth as well as applicable industry and regulatory risk points. Candidate will formulate and utilize their conclusions to make appropriate recommendations to Relationship Managers, Senior Credit Officers and Senior Loan Committee regarding approval, denial or modification of loan requests. Candidate will ensure the loan is consistent with loan policy and make recommendations to strengthen the loan request through the use of loan covenants (both financial and non-financial) or other structural risk mitigants as necessary. This candidate will possess the skill set to decipher the difference between a loan made outside of policy that is acceptable and one that is not acceptable. Candidate will also use expertise to assist and mentor other employees as a resource on appropriate underwriting, credit assessment and risk identification. General Qualifications Education: Four-year college degree from an accredited institution required in a business related field such as finance, accounting, business administration, or economics. Candidate should have working knowledge of financial accounting principles sufficient to adequately perform technical aspects of job with limited to no supervision. Successful completion of a formalized credit training program is desired. Experience: Minimum of five (5) years of appropriate commercial credit and/or commercial banking experience in the financial services industry or three (3) years, combined with selected commercial credit coursework and/or certifications satisfactory to the Bank. Skills: Excellent communication, interpersonal and negotiation skills. Highly organized and ability to effectively prioritize assignments to meet deadlines. Successful candidate should be detail-oriented and able to complete assigned tasks with both a sense of urgency and high degree of accuracy. Experience with Microsoft Windows Operating System, and satisfactory knowledge of Microsoft Office applications such as Excel, Word, and Outlook. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws. Scope of Decisions and Authority Recommendations to include possible structure recommendations different than actual request as well as possibility of not recommending the credit. Analyst should be familiar with bank policies, as well as Federal and State regulations. Accountabilities Encourage open and ongoing dialogue with Relationship Managers (RMs) and make customer visits as deemed appropriate in an effort to fully understand and underwrite potential loan requests Prepares financial spreads, projections, cash flow worksheets and risk rating matrixes. Analyzes financial statement trends appropriate to the type of borrower and/or guarantor along with management, industry and market risk in order to fully vet the risk in the credit. Analyzes proposed structure of credit. Can articulate the key financial trends, borrower, guarantor and global cash flows along with the key non-financial risks of the credit request into a well-organized narrative credit analysis with little to no guidance necessary. Has skill set to recognize the depth of underwriting required for the complexity and/or type of request. Analysis work to include recommendation of request along with suggested financial covenants, loan structure, risk rating and ongoing monitoring needed to successfully manage ongoing credit and operational risk going forward. Partners closely with the RMs in assessing the risk of the credit, preparing and discussing additional information that may be needed and/or questions that need to be addresses. Assist the Commercial Relationship Manager as requested for final review and organization of complete credit package for submittal to the Senior Credit Officer. May assist RMs and Sr. Credit Officer with customer requests, as well as presentations for committee meetings as needed. Maintain industry research and expertise on assigned industries as directed. Serves as a resource for RMs or other employees in terms of answering questions on policy, discussing potential credits and structure and a general sounding board for the line as needed. May provide assistance to the Commercial Credit Manager or Credit Administration as needed on various projects. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Greensboro, NC, USA
Oct 07, 2017
Location : Greensboro, NC Market Role Summary Primary responsibilities include the solicitation and origination of Mortgage, real estate related and other HomeTrust Bank loan products. Incumbent counsels borrowers to ensure they acquire a loan product appropriate to their circumstances. Assesses with customer the best options for the customer's needs and makes appropriate recommendations. Analyzes the prospective borrower's income and debt, counsels borrower on credit record or other problems, and pre-qualifies the borrower. Provides disclosures to borrower including Truth in Lending and Good Faith Estimates. Specific Job Functions Originates Mortgage and other real estate related loans, as well as consumer and small business loans. Interviews customers and completes detailed loan application. Prequalifies borrowers using standard underwriting procedures. Counsels customers on home buying and financing process. Develops and maintains personal loan pipeline. Works with Loan Processor to facilitate underwriting and processing phases of loans. Answers telephone and written inquiries concerning active loans and Bank loan offerings. Cross-sells financial institution products and services as appropriate. Knowledge/Skills Required Thorough knowledge of all Bank retail and consumer lending products. Knowledge of all HomeTrust Bank Retail products and services. Knowledge of origination and loan processing functions and related requirements and procedures. Knowledgeable of Bank underwriting guidelines for in-house and secondary market loans. Ability to establish and maintain relationships with builders, real estate agents, etc. Excellent attention to detail, organizational and communications skills. Skilled professional networker. Successful completion of Bank training program(s) for lending (depending on experience and background as a lender). Expectation is to have ability to meet business goals after first 12 months of employment with HomeTrust Bank. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws. Physical and Mental Qualifications Ability to understand, and use Bank loan policies and procedures to support positive customer interactions. Ability to communicate effectively with customers, staff and the general public in a positive, problem solving manner. Ability to listen to and convey accurately and quickly, detailed information, important instructions and/or ideas. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Personal Traits Presents a professional, business-like manner and appearance. Sales and Service aptitude and ability. Earns quick credibility. Outgoing nature with excellent skills at building and maintaining relationships. Highly developed communication and presentation skills. Ability to resolve customer concerns/issues in a positive way. Focus/desire to serve customer needs and provide excellent customer service. Technically savvy and task oriented. Job Requirements High school diploma or equivalent. Prefer 2-4 year degree in related field. At least two years of experience as a retail loan originator, processor, or sales assistant or equivalent experience with a proven sales record. Good basic computer skills. Must be bondable. Valid driver's license required. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Oct 04, 2017
Location : 1900 Ridgefield Blvd, Asheville, NC 28806 The primary responsibilities of the Quality Control Coordinator (grade 7) include comprehensive loan file review, data collection and document verification in order to comply with regulatory requirements such as the Home Mortgage Disclosure Act, Reg B, Real Estate Settlement Procedures Act and the Truth-in-Lending Act. This role is also responsible for determining whether the Mortgage Loan Fulfillment team is performing their individual roles in compliance with management instructions, policy, procedures and compliance regulations. Specific Job Functions Monitor all applicable mortgage loan HMDA reportable transactions Review and interpret loan applications and related file documentation to verify the accuracy of HMDA data and coding Resolve any inconsistencies in loan data or documentation to ensure accuracy of HMDA data Assist in preparing, maintaining and auditing HMDA data for submission Report and track HMDA coding and non-compliance Assist second level review with reviewing a percentage of non-originated loan files for compliance with policy, procedure and regulatory requirements Identify regulatory and procedural non-compliance Maintains spreadsheets and reports reflecting findings and compliance issues Communicates with lending personnel to verify discrepancies in loan files during initial review process. Review transactions at all stages within lending process for adherence to compliance rules and regulations Review findings of audits with team supervisors to determine procedural, process or training needs Selects loan files chosen for pre-funding and post-funding review by a third party vendor Reviews quality control submission reports from third party vendor for validity, process improvements or deficiencies Executes the completion of new and renewal applications for correspondent lenders and other vendors. Provide assistance to internal and external auditors Knowledge/Skills Required General knowledge of Bank deposit and investment products and services Solid oral and written communication skills, with ability to interact effectively with all customers, both internal and external. Demonstrated ability to identify and resolve problems collaboratively and independently Ability to work at a fast pace, handle multiple tasks, work with interruptions, prioritize workload and deal effectively with confidential information Excellent organizational and time management skills Ability to read and understand compliance documents and regulatory requirements Familiarity with federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws. Personal Traits Presents a professional, business-like manner and appearance. Possess a strong attention to detail, be well organized and conscientious Demonstrated ability to work within time limitations Must be flexible, organized and have the ability to manage and prioritize daily assignments Strong analytical, critical thinking and organization skills Job Requirements : High school diploma, Associates Degree in Business preferred General knowledge of mortgage lending industry Excellent skills in using Microsoft Excel EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Oct 03, 2017
Location : 330 Ridgefield Ct, Asheville, NC 28806 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri The Deposit Operations Specialist (grade 6) is responsible for providing quality customer service to the bank's customers and all the retail offices, as well as carry out the daily operational responsibilities of servicing deposit accounts. The Deposit Operations Specialist will cross-train and obtain a general knowledge of functions within the department, then be assigned responsibilities for specific functions after cross-training has been completed. Specific Department Functions: Promotes the growth and prosperity of the Bank by professionally serving the needs of customers and retail bank employees. Provides quality service to the bank's customers and support to the retail offices. Processes Wires. Administers the bank's automated overdraft program. Processes and reviews daily ACH activity. Administers the bank's ATM/Debit Card program, including issuance of cards and analysis of fraudulent transactions.Ensures compliance with Visa regulations. Reviews new account reports and documentation. Reviews maturing CDs and sends maturity notice mailings Reviews and maintains customer records, including ownership transfers and address changes. Processes levies/garnishments. Maintains and reviews deposit rate changes. Researches records and provides documentation in response to subpoenas/court orders. Monitors Reg E excessive transactions and take appropriate action. Administers all IRAs and ESAs, including review of new plans and distribution of required minimums. Reviews numerous daily reports related to account maintenance and service charging. Processes all returned checks and prepares appropriate customer notices. Performs other duties as requested. Knowledge/Skills Required : Ability to prioritize duties and work independently while remaining flexible to changing assignments. Thorough knowledge of Bank deposit products and services. Demonstrated ability to handle multiple tasks simultaneously. Exceptional organization skills. Excellent attention to detail. Good communications skills with emphasis on listening and problem solving skills. Ability to meet designated deadlines and reprioritize as needed. Physical and Mental Qualifications : Ability to understand, and use Bank policies and procedures to ensure operational efficiency and regulatory compliance. Ability to communicate positively and effectively with customers and bank employees. Ability to think and act independently within the scope of Bank policy and assigned personal authority. Personal Traits : Excellent analytical, organizational, and self-review skills. Effective interpersonal, communication skills and time management skills. Self-motivated, detail oriented, and strong self-review skills. Job Requirements : A two-year degree in business or related field. Three to five years experience in banking preferred. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Tryon, NC 28782, USA
Sep 27, 2017
Location: 341 North Trade St., Tryon, NC 28782 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Friday (***This role is scheduled for 20 hours per week, within the window of operating hours) The Part- Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. 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. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. 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, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Farragut, TN, USA
Sep 23, 2017
Location 11916 Kingston Pike Farragut, TN 37934 Reports to: SVP/Director of Mortgage Lending (Charlotte) Supervises: n/a FLSA Status: Non-Exempt Salary Grade: 5 Role Summary Primary responsibilities include the solicitation and origination of Mortgage, real estate related and other HomeTrust Bank loan products. Incumbent counsels borrowers to ensure they acquire a loan product appropriate to their circumstances. Assesses with customer the best options for the customer's needs and makes appropriate recommendations. Analyzes the prospective borrower's income and debt, counsels borrower on credit record or other problems, and pre-qualifies the borrower. Provides disclosures to borrower including Truth in Lending and Good Faith Estimates. Specific Job Functions Originates Mortgage and other real estate related loans, as well as consumer and small business loans. Interviews customers and completes detailed loan application. Prequalifies borrowers using standard underwriting procedures. Counsels customers on home buying and financing process. Develops and maintains personal loan pipeline. Works with Loan Processor to facilitate underwriting and processing phases of loans. Answers telephone and written inquiries concerning active loans and Bank loan offerings. Cross-sells financial institution products and services as appropriate. Knowledge/Skills Required Thorough knowledge of all Bank retail and consumer lending products. Knowledge of all HomeTrust Bank Retail products and services. Knowledge of origination and loan processing functions and related requirements and procedures. Knowledgeable of Bank underwriting guidelines for in-house and secondary market loans. Ability to establish and maintain relationships with builders, real estate agents, etc. Excellent attention to detail, organizational and communications skills. Skilled professional networker. Successful completion of Bank training program(s) for lending (depending on experience and background as a lender). Expectation is to have ability to meet business goals after first 12 months of employment with HomeTrust Bank. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws. Physical and Mental Qualifications Ability to understand, and use Bank loan policies and procedures to support positive customer interactions. Ability to communicate effectively with customers, staff and the general public in a positive, problem solving manner. Ability to listen to and convey accurately and quickly, detailed information, important instructions and/or ideas. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Personal Traits Presents a professional, business-like manner and appearance. Sales and Service aptitude and ability. Earns quick credibility. Outgoing nature with excellent skills at building and maintaining relationships. Highly developed communication and presentation skills. Ability to resolve customer concerns/issues in a positive way. Focus/desire to serve customer needs and provide excellent customer service. Technically savvy and task oriented. Job Requirements High school diploma or equivalent. Prefer 2-4 year degree in related field. At least two years of experience as a retail loan originator, processor, or sales assistant or equivalent experience with a proven sales record. Good basic computer skills. Must be bondable. Valid driver's license required. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank deposit services, TN
Sep 22, 2017
Location : 4718 North Roan St., Johnson City, TN 37615 Basic Function The Commercial Banking Associate assists Market President and Relationship Manager(s), commercial customers and prospects with all functions related to commercial loans, deposit services, online banking, and cash management services in order to leverage Lenders' abilities to develop and retain profitable customer relationships. Position also encompasses Construction Loan Administration for commercial loans. Ensures high quality service to client base through communication, problem-resolution and timely, accurate follow-through on behalf of the client and Lender(s). Coordinates and maintains positive customer and fellow employee relationships. Position would be responsible for special projects as assigned. Position may include minor calling efforts to support customer relationships and business development. General Qualifications Knowledge: Associate's degree in related business field with knowledge of commercial loan and deposit-processing requirements is required; bachelor's in a related field is preferred. General accounting knowledge is needed, and an understanding of the dynamics of a commercial lending, commercial bank products and services as well as commercial credit principles is helpful. Experience: Three to five years experience in a commercial or mortgage loan department of a savings institution or bank is necessary. Previous administrative and/or bookkeeping experience and prior teller experience is desired. Paralegal and/or loan servicing experience are helpful. Skills: Proficient administrative, time management and organizational skills are necessary, as well as the ability to use a personal computer (word processing, spreadsheets, PDF files, and power point) and other office equipment. Well-developed human relations skills with ability to communicate clearly with customers both verbally and in writing are required. Scope of Decisions and Authority Missing and erroneous documentation have the potential of being costly to the Bank. Customer relations are important to the growth of the loan portfolio. Must be able to take initiative to expedite loans and solve problems with minimal guidance. Key Accountabilities Assists Relationship Manager(s) with all aspects of the lending process including: Maintain electronic loan and credit files. Coordinate deposit account opening, maintenance, online banking, etc. Partner with Treasury Management Sales Officer to suggest possible services, maintenance, questions, etc. Prepare account maintenance changes to commercial loans as necessary under direction of Relationship Manager. Assist Relationship Manager with the completion/compilation of the Credit Approval Package. Also, ensure conditions of approval have been met before the loan closes. Coordinate preparation of loan and letter of credit packages including, but not limited to: obtain credit reports, UCC lien searches, OFAC searches, obtain insurance, CIP Borrower and Guarantors, enter transactional data in to the origination system, obtain proper disclosures, ensure proper approval authority, order appraisals and evaluations, surveys, environmental collateral screens, etc. Process loan document packages and prepare for post-closing. Review for completeness. Assisting Relationship Manager(s) with the review of term sheets, commitment letters, credit memos, etc. Assist Relationship Manager with the completion of underwriting workbook. Coordinating loan closings with Doc Prep, customers, attorneys, and Relationship Manager. Facilitate (if necessary) routine loan disbursements for commercial construction loans and lines of credit as well as other general ledger functions for Relationship Manager(s) and customers. Maintaining and updating BUILT for residential construction (if applicable). Coordinating with Residential or Commercial Construction departments when appropriate. Assist in preparation of loan modifications using the bank's form. Clear all documentation exceptions in a timely manner. Pulls and distributes daily/weekly/monthly reports as necessary. Interface with credit department regarding spreads and analysis requests. Works with Relationship Manager to ensure overdraft items are worked daily. Tracks annual reviews, renewing/maturing loan, lines of credit, and letters of credit and notifies action needed each month to Relationship Manager. Maintain Notary License. Request (either through customer or Relationship Manager) updated financial information such as tax returns, financial statements, receivables and inventory, borrowing base certificates, etc. Performs other related duties as assigned Adhere to all rules and regulations applicable to this position. Customer Service: Greet and assist customers in person and by telephone, fax or electronic mail. Meet with customers to assist with loan closings at Relationship Manager's request. Work as a team internally and across departments. Maintains good working relationship with offices, credit administration, loan operations, deposit services, and mortgage. Business Development: Take advantage of sales opportunities by promoting HomeTrust's products and services. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Johnson City, TN, USA
Sep 22, 2017
Location: 4718 North Roan Street, Johnson City, TN 37615 The primary responsibilities of the Commercial Relationship Manager include active business development, origination of business real estate and other bank loan products, and meeting broad business banking needs through effective relationship building. Incumbent develops customer relationships, making sure they acquire loan, deposit, and other banking products appropriate to their circumstances. Assesses with customer the best options for the customer's needs and initiates appropriate action. Analyzes the prospective client's financial statements, counsel client on credit record or other concerns, and assists in determining initial qualification of loan program. This position is expected to source a minimum of 75% of business from outside. High level of personal monthly loan production, spending approximately 60% to 70% of time outside of office engaged in business development and consultation activities with clients, builders, business owners and other referral sources. Qualifications Knowledge : Four-year degree in business, finance or related field. Demonstrated knowledge of bank policies, procedures, and lending practices. Thorough knowledge of all Bank business lending and deposit products. Demonstrated knowledge of credit analysis functions and related requirements and procedures. Successful completion of Bank training program(s) for lending (depending on experience and background as a lender). Familiarity with all HomeTrust Retail products and services. Experience : Two - five years experience as a business lender with demonstrated record achieving goals. Must be bondable. Demonstrated ability to understand and use Bank loan policies and procedures to support positive customer interactions. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws. Skills : Competent computer skills utilizing office and banking applications. Valid driver's license required. Presents a professional, business-like manner and appearance. Sales and service aptitude and ability. Earns quick credibility. Outgoing nature with excellent skills at building and maintaining relationships. Highly developed communication and presentation skills. Ability to resolve customer concerns/issues in a positive way. Effective team member and demonstrated collaboration skills. Technically savvy and efficient in completion of work. Ability to communicate effectively with customers, staff and the general public in a positive, problem solving manner. Ability to listen to and convey accurately and quickly, detailed information, important instructions and/or ideas. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Skilled professional networker. Excellent attention to detail. Proficient written and verbal communications skills. Demonstrated by effective business relationships and production. Essential Functions Actively initiates business contacts to develop relationships and promote bank products and services. Counsels customers on business financing needs and process. Counsels customers and completes detailed review of loan application and other business services. Analyzes customer financial status, credit and property evaluations to determine loan feasibility. Develops and maintains personal loan pipeline. Teams with Credit Analysts to facilitate review and processing of loans. Responds timely to customer inquiries concerning active loans and Bank loan offerings and related business. Teams with Treasury Management to develop leads and referrals within existing portfolio and priority one customers/targets. Provides loan status reports to management as requested. Manages loan portfolio and ensures appropriate process is followed on delinquent accounts. Stays current on and proficiently follows the commercial lending underwriting guidelines. Ability to establish and maintain relationships with business owners, builders, real estate agents, etc. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Sep 21, 2017
Location: 330 Ridgefield Ct., Asheville, NC 28806 The SVP / Deposit Operations Manager has direct oversight and management responsibility for Deposit Operations. Works in concert with the Bank's CIO to develop the strategic plan for the business unit, and team goals of Deposit Operations. Oversees the execution of the tactical plan required to support the strategic plan of the Bank's Retail Banking unit. The Deposit Operations Manager will take the lead and oversee the execution of all new projects within Deposit Operations, while also working closely with I.T. and Project Management to implement new technologies that improve business process and efficiency, or drives value in other ways. Products and services supported by Deposit Operations includes, but is not limited to: commercial and retail DDAs, commercial account analysis, check returns and overdraft, savings, certificate and IRA account administration, customer information systems, safe deposit box administration, deposit related QC, debit card administration and fraud control, wires, ACH, remote deposit, and ATM deposit review. Ensures compliance with all laws and regulations pertaining to departmental functions including Reg. D, subpoenas, levies, garnishments, court orders, escheat, B-notice, and W-9 compliance. Also responsible for identifying and managing the associated risks of all deposit-related products and services. Leads, develops, and coaches staff. Handles all employee related issues including, performance management, staffing, and development. Specific Job Functions: Promotes the growth and prosperity of the Bank by professionally serving the needs of customers and retail bank employees. Understands the Bank's strategic vision and links department performance to the goals of the organization. Provides daily oversight and direction for the business unit thorough knowledge of the business, the Bank's services, applicable laws and regulations, and affiliated technologies. Delivers operational, technical and functional expertise in the development of Bank and departmental policies and procedures. Responsible and accountable for the budget process of the business unit, and accountable for the financial performance of Deposit Operations. Troubleshoots service complaints and coordinates with various departments in the identification and resolution of operational issues.Elevates, corrects and documents problem issues as necessary to avoid repetition. Maintains an ongoing commitment to continuously and thoroughly evaluating emerging trends in deposit operations, systems, processes and regulations. Ensures compliance with operational policies and procedures to minimize risk exposure. Monitors and audits policy exceptions related to risk management issues. Communicates with management regarding the control and management of risk within specific teams and/or departments. Identifies situations adversely impacting service level quality standards to determine solutions in a timely manner. Suggests methods, process, policies and procedures designed to improve performance, efficiency and service to both internal and external customers. Stays apprised of resource requirements, and manages resources at the minimum levels requires to achieve performance objectives in a timely manner. Recommends strategies for Operations and implements selected approaches. Aligns deposit offerings with the goals and objectives of the Retail business unit in a risk appropriate manner, while maintaining a competitive portfolio of products. Responsible for ensuring roles have clearly defined and accurately written job descriptions and procedures. Responsibilities include: 1) adhering to and complying with applicable federal and state laws, regulations and guidance, especially those related to Anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.) 2) adhering to Bank policies and procedures, 3) completing required training, 4) identifying and reporting suspicious activity to the AML Officer, and 5) verifying the identity of any customer that enters into a relationship with the Bank. Coaches associates to be efficient, compliant with established policies and procedures related to customer service and operational matters, proficient with transactional accuracy, and focused on customer engagement. Performs other duties as requested. Preferred Skillset and Knowledge Required : Self-motivated, well-organized. Exhibits steadfast attention to detail. Superior oral and written communicator.Writes clearly and informatively. Able to convey information accurately and concisely. Demonstrates active listening and problem solving skills. Strong interpersonal skills, including the ability to easily engage others in positive dialogue one-on-one or in group settings, and at many different levels (customers, senior managers, peers and retail employees. Proficient at influencing and collaborating with those outside of reporting authority to achieve shared business goals and objective Naturally creative, and practiced at original thinking.Strong analytical and assessment skills. Capable of quickly understanding complex issues and ideas. Demonstrated problem solving ability. Proven record of balancing risk and making sound decisions while achieving business goals. Strong financial and business acumen including experience interpreting reports to drive performance. Well versed in process improvement methodology and process management techniques. Practiced with data migrations, including core migrations and the conversion of records from acquired banks.Comfortable with data analysis, cleansing, validation, translation, mitigation and conversions to new platforms. Technically proficient.Comfortable with computers and software.Possesses a thorough understanding of core system features and functionality.Sufficiently versed to provide the functional expertise required to maximize system utilization, and adept at problem resolution.Well versed in office productivity programs. Thoroughly familiar with the Deposit Operations concepts and industry best practices in banks of $5- to $10 billion.Strong fundamental knowledge of all retail deposit products and services. Drive innovation in products and process Willing to defend strongly held positions vigorously in the face of opposing beliefs and viewpoints Proven ability to think and act independently and the ability to work individually or as a member of a team. Skilled at prioritizing duties, working under time constraints, handling multiple tasks, and working independently while remaining flexible to changing priorities and assignments. Lominger Competencies : Building Effective Teams - Blends people into teams when needed; creates strong morale and spirit in his/her team; shares wins and success; fosters open dialogue; lets people finish and be responsible for their work; defines success in terms of the whole team; creates a feeling of belonging in the team. Conflict Management - Steps up to conflicts, seeing them as opportunities; reads situations quickly; good at focused listening; can hammer out tough agreements and settle disputes equitably; can find common ground and get cooperation with minimum noise. Dealing with Ambiguity - Can effectively cope with change; can shift gears comfortably; can decide and act without having the total picture; isn't upset with things are up in the air; doesn't have to finish things before moving on; can comfortably handle risk and uncertainty. Delegation - Clearly and comfortably delegates both routine and important tasks and decisions; broadly shares both responsibility and accountability; tends to trust people to perform; lets direct reports and others finish their own work. Managing through Systems - Can design practices, processes and procedures which allow managing from a distance; is comfortable letting things manage themselves without intervening; can make things work though others without being there; can impact people and results remotely. Negotiating - Can negotiate skillfully in tough situations with both internal and external groups; can settle differences with minimum noise; can win concessions without damaging relationships; can be both direct and forceful as well as diplomatic; gains trust quickly of other parties to the negotiations; has a good sense of timing. Problem Solving - Uses rigorous logic and methods to solve difficult problems with effective solutions; probes all fruitful sources for answers; can see hidden problems; is excellent at honest analysis; looks beyond the obvious and doesn't stop at the first answers. Personal traits : Excellent analytical, organizational, and self-review skills. Effective interpersonal, communication skills and time management skills. Strong customer service orientation. Self-motivated and detail oriented. Job Requirements : Four year degree in Business or Accounting preferred. Master's Degree a plus. 7+ years of experience in Deposit Operations Supervisory role. Extensive familiarity with financial institution systems and operational requirements. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Charlotte, NC, USA
Sep 16, 2017
Location : 100 Queens Rd, Suite 100, Charlotte, NC 28204 H ours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Friday (*scheduled for 25 hours per week) The Part-Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. 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. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. 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, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank North Carolina, USA
Sep 12, 2017
The Commercial Loan Closing Specialist assists in the preparation of all loan documents associated with commercial closings and facilitates the closing through the commercial banking associates, lenders, and outside counsel. Support critical policy and procedures as well as federal and state regulations to ensure an efficient documentation practice, loan document review system, and other critical risk management activities needed to minimize credit, documentation and operational risks in commercial lending This position will require guidance from the Commercial Loan Documentation Manager in terms of reviewing Attorney prepared closing documents and formulating recommendations of structure within the loan processing system, which may include complex transactions in addition to general discussions relating to the loan requests. General Qualifications Education : High School Diploma or equivalent required. Two to four year degree in business or related field with accounting and/or finance courses preferred. Experience : A minimum of three years' experience in preparing and reviewing commercial loan documents and/or paralegal experience tied to commercial loan closings. Experience with LaserPro is also preferred. Skills Proficient administrative and organization skills. Well developed human relations skills with emphasis on written and verbal business communication. Ability to understand and execute on policy and procedures, with an understanding of when to make exceptions. Effective time management skills. Ability to prioritize duties and work independently. Ability to meet designated deadlines while remaining flexible to changing assignments. Self-motived with attention to detail. Knowledge of basic legal concepts with an emphasis on real estate transactions is helpful. Competent use of a personal computer. Key Accountabilities Establish loan documentation packages for commercial loans, which may include complex transactions using information compiled by external and internal staff assuring completeness and accuracy Establish loan document packages for Modifications, Renewals, and Extensions assuring completeness and accuracy Review and finalize agent Order Flood Certifications Ensure compliance with FEMA regulations Review customer identification records and Corporate documents Review UCC Search Prepare UCC financing statements Ensure required fees are collected and documented in closing package Ensure compliance with HMDA/CRA eligibility regulations Review preliminary closing documents including hazard, liability, builder's risk, and/or flood insurance declarations, Title Commitments, Closing Protection Letters, Settlement Statements, etc. Fund loan closing transactions using wire transfer Research commercial transaction related items from loan officers, assistants, and commercial team members Perform other duties as assigned EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Roanoke, VA, USA
Aug 29, 2017
Location: 5002 Williamson Rd. NW, Roanoke, VA 24012 Hours : Scheduled for 25 hours per week during the hours of 8:30 - 5:00 Mon - Thurs and 8:30 - 6:00 Fri The Part-Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service in English / Spanish. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. 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. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test . specific job functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. knowledge/skills required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. 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, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. job requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems . EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Waynesville, NC 28786, USA
Aug 23, 2017
Location: 800 Russ Avenue, Waynesville, NC 28786 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Friday; possible Saturday shifts, 9:00 - 12:00, drive-thru only The Part- Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. 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. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. 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, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Jefferson City, TN, USA
Aug 23, 2017
Location : 156 East Braodway, Jefferson City, TN 37760 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Friday The Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. 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. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. 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, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Aug 19, 2017
Location : 10 Woodfin St., Asheville, NC 28801 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Friday; possible Saturday shifts, 9:00 - 12:00, drive-thru only The Part- Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. 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. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. 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, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Johnson City, TN, USA
Aug 19, 2017
Location : 1907 North Roan St., Johnson City, TN 37601 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Friday; possible Saturday shifts, 9:00 - 12:00, drive-thru only The Part- Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. 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. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. 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, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Clyde, NC 28721, USA
Aug 19, 2017
Location: 8583 Carolina Blvd., Clyde, NC 28721 Hours : ***This 25 hour per week role is scheduled during the window of 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Friday; The Part-Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. 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. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. 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, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities