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 Asheville, NC, USA
Apr 17, 2019
Location : 6 branches throughout the Asheville, NC area. Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri , Occasional Sat shift 9a-12p **Competitive Pay, Full Medical Benefits, Attractive benefit package includes PTO, 401k match, wellness programs and more!** This 40 hour role is scheduled to float between any of the 6 locations throughout the Asheville area. 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 Virginia, USA
Apr 16, 2019
Location: 5002 Williamson Rd NW, Roanoke, VA 24012 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri, **Competitive Pay, Full Medical Benefits, Attractive benefit package includes PTO, 401k match, wellness programs and more!** Role Summary: 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 platform 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 Platform 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: Familiarity with all federal and state banking regulations, including, but not limited to the Bank Secrecy Act and the USA Patriot Act. 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. Familiarity with all federal and state banking regulations pertaining to lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act. 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. Competencies Required : Drives for Results: Pursues everything with energy, drive and a need to finish; seldom gives up before finishing, especially in the face of resistance or setbacks. Action Oriented: Can be counted on to exceed goals successfully; is constantly and consistently one of the top performers; very bottom-line oriented; steadfastly pushes self and others for results. Customer Focus: Is dedicated to meeting the expectations and requirements of internal and external customers; gets first-hand customer information and uses it for improvements in products and services; acts with customers in mind; establishes and maintains effective relationships with customers and gains their trust and respect. 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. Functional/Technical Skills: Has the functional and technical knowledge and skills to do the job at a high level of accomplishment. 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). Successful completion of in-house required training. 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
Apr 16, 2019
Location: 800 Russ Avenue, Waynesville, NC 28786 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Friday; 9 -12 Sat (not weekly) Role Summary: 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 platform 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 Platform 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: Familiarity with all federal and state banking regulations, including, but not limited to the Bank Secrecy Act and the USA Patriot Act. 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. Familiarity with all federal and state banking regulations pertaining to lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act. 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. Competencies Required : Drives for Results: Pursues everything with energy, drive and a need to finish; seldom gives up before finishing, especially in the face of resistance or setbacks. Action Oriented: Can be counted on to exceed goals successfully; is constantly and consistently one of the top performers; very bottom-line oriented; steadfastly pushes self and others for results. Customer Focus: Is dedicated to meeting the expectations and requirements of internal and external customers; gets first-hand customer information and uses it for improvements in products and services; acts with customers in mind; establishes and maintains effective relationships with customers and gains their trust and respect. 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. Functional/Technical Skills: Has the functional and technical knowledge and skills to do the job at a high level of accomplishment. 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). Successful completion of in-house required training. 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
Apr 16, 2019
Role Summary: 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 platform 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 Platform 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: Familiarity with all federal and state banking regulations, including, but not limited to the Bank Secrecy Act and the USA Patriot Act. 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. Familiarity with all federal and state banking regulations pertaining to lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act. 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 Job Requirements: High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Successful completion of in-house required training. 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
Apr 16, 2019
Location : 330 Ridgefield Ct., Asheville, NC 28806 The Deposit Operations Department 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. This position will perform a variety of duties related to Deposit Operations, provide a wide range of support to Deposit Operations Management to include reviewing, processing and updating daily work. Provide guidance to branches and internal departments with routine to moderately complex inquiries. Initiative and accuracy required as well as an understanding of regulatory requirements and risk operations to minimize/eliminate potential loss. Able to perform duties independently with minimal managerial oversight. Specific Job Functions Exception item processing, NSF, unresolved items including but not limited to balancing and interaction with branch staff.Processes and reviews daily ACH activity Review documentation and account paperwork for completeness and accuracy Process daily return deposited items May act as the department liaison with other business units to assist in facilitation of special projects and/or in the resolution of business related system issues Performs document administration and management tasks to file, safe keep, image, and audit documents as needed.Prepares appropriate customer correspondence and notices. Take ownership of problem resolution on deposit products and debit cards including identifying the issue, resolving and following up with customer to ensure satisfaction. Assists with reviewing, processing, and performing daily operational duties Researches records and provides documentation in response to subpoenas/court orders/legal requests. Develop and maintain an in-depth knowledge of bank products, services, department procedures and policies, regulations, to ensure accurate handling of customer's inquiries. Comply with all federal, state, and local regulatory rules and regulations governing financial institutions as well as all company policies and procedures. Complete and pass all required regulatory compliance training as assigned. Assist manager(s) with research and projects related to Deposit Operations products, debit card, processes and procedures. Cross train to perform other functions and duties assigned in Deposit Operations as needed Performs other duties as requested. Knowledge/Skills Required Familiarity with federal and state banking regulations, including but not limited to the Bank Secrecy Act, USA Patriot Act and Electronic Funds Transfer Act. Thorough knowledge of bank products and services Knowledgeable in HTB account opening and maintenance activities Stay abreast of changes in policies and procedures related to deposit products Strong functional/technical skills Excellent interpersonal verbal and written communication skills Ability to resolve internal customer concerns/issues in a positive manner Demonstrate excellent attention to detail Successful completion of in-house training program (if available) or approved outside training program Must be able to follow detailed set procedures to ensure highest standards for audit and risk purposes. 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. Competencies Customer Focused Peer Relationships Problem Solving Learn on the Fly Action Oriented Dealing with Paradox Personal Traits Presents a professional, business-like manner and appearance. Good self - management skills Ability to carry out detailed instructions and to instruct and educate retail banking employees in a positive manner Excellent analytical, organizational and self-review skills Self-motivated, detail oriented Job Requirements High School Diploma or equivalent required, degree preferred 3 years' experience in a financial institution preferably in a problem solving customer service based role or card services area. Basic knowledge of accounting, balancing principals, and bank operations Demonstrated technology skills,including intermediate proficiency with Microsoft Office Suite Ability to be flexible with the changing needs of schedules and work hours dependent on volumes and needs of the business unit Must be able to embrace and quickly adapt to change as a result of internal, market or regulatory policy changes Ability to research, resolve problems and meet deadlines Work Environment and Physical Demands This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.
HomeTrust Bank Greensboro, NC, USA
Apr 13, 2019
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 Virginia, USA
Apr 13, 2019
Location: Danville, VA 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 Eden, NC 27288, USA
Apr 13, 2019
Location 106 South Van Buren Road Eden, NC 27288 Reports to: Director of Mortgage Lending/Charlotte NC 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 Asheville, NC, USA
Apr 05, 2019
Location : 320 Ridgefield Ct., Asheville, NC 28806 Underwriting Skills & Credit Packaging: Candidate will underwrite credit relationships of moderate to high levels of complexity within the C&I or CRE underwriting space. Candidate can clearly 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. Candidate must 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 tomanagement depth and breadth as well as applicable industry and regulatory risk points. Candidate will formulate and utilize their conclusions to make appropriate recommendations regarding credit request itself as well as loan structure, financial and non-financial covenants, risk rating and ongoing servicing needs. 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. 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 has skill set to recognize the depth of underwriting required for the complexity and/or type of request. Candidate will also use expertise to assist and mentor other employees as a resource on appropriate underwriting, credit assessment and risk identification. Candidate will prepare the final credit package for review by the Commercial Credit Manager. May assist Commercial Relationship Managers and Credit Officers with presentations for decision. Maintain industry research and expertise on assigned industries as directed. Serves as a resource for Commercial Relationship Managers 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, as needed, on various projects. Job knowledge/skills required : 5+ years' experience in credit administration and/or commercial banking. Proven underwriting and decision making experience, with a demonstrated track record of effective problem solving. Must have excellent communication and interpersonal skills, strong organizational and time management skills, and ability to work independently to meet deadlines while managing multiple projects / processes. Sound diplomatic skills to manage conflicts effectively and with a high degree of personal and professional integrity. Is accessible to staff, works with a sense of urgency and treats all employees with respect. Must be proficient with Microsoft Office applications. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws. Personal Traits : Must be a creative and solution oriented problem solver/decision maker who is able to solve complex problems while adhering to prudent credit management practices, credit policies, regulations, and bank goals. Must be flexible and willing to take-on projects and responsibilities outside the primary scope of position, as needed. Adopts an anticipatory rather than reactionary approach to managing credit and process risk. Is comfortable in agreeing to disagree in some matters, open enough to listen and adapt as appropriate and strong enough to stick to core beliefs when he/she believes it appropriate. High degree of personal and professional integrity - consistent, trustworthy, honest and fair in dealing with bank staff and customers. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank North Carolina, USA
Apr 05, 2019
Location: This position may work in any market in which HomeTrust has a physical presence. If not located in Roanoke VA market, incumbent must have ability to travel to Roanoke as needed. Travel expectation is less than 5%. Role Summary: To achieve the bank's customer service, growth and compliance goals related to commercial lending line of business. Support the Bank's efforts to achieve efficiencies within regards to all aspects of the Commercial Credit and Commercial Banking Lines of Business. Incumbent will act as a liaison as well as advocate for the Market Presidents, Commercial and Business Relationship Managers and Commercial Support team members to improve processes, communications and working agreements with relevant internal banking groups. Participate actively as a member of the Banking Administration Team. Specific Job Functions: Preserve and enhance the unique core values of HomeTrust Bank. Serve as commercial subject matter expert and resource to commercial personnel and bank management. Provide support and training to commercial line of business. Coordinate with bank partners in the design and delivery of necessary training programs for: onboarding, reporting tools, technology enhancements and product education to commercial personnel. Serve as advocate and liaison between commercial and all partner lines of business and departments. Identify problems and develop solutions for operational efficiencies. Serve as secondary operations contact for effective and efficient communication and processes between Relationship Managers and Support team members as well as all related lines of business to reduce risk, and enhance safety and soundness within the commercial loan portfolio. Coordinate and/or facilitate any training necessary between Relationship Managers and Associates and all related lines of business working towards cohesive partnership. Maintain current knowledge of regulations and compliance requirements. Provide support and training to team regarding procedures, regulations, security and compliance. Identify problems and develop solutions for common operational problems that exist in multiple locations. Projects and tasks as assigned by the Commercial Operations Manager Perform other duties as assigned. Knowledge/Skills Required: Thorough knowledge of all Commercial Banking products and services. 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 commercial products and processes. Excellent interpersonal, verbal and written communications skills. Ability to resolve internal customer concerns/issues in a positive way. 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 be forward-thinking and collaborative 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 bank and individual sales and service goals within corporate standards and guidelines. Ability to operate as an effective facilitator and provide balanced feedback to commercial 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, or commensurate work experience Minimum four years of experience with commercial, operations and compliance management. Strong analytical and problem solving skills. Previous leadership experience a plus. Good interpersonal and supervisory skills. Intermediate computer skills with fluency in Microsoft Office programs Must be bondable Valid driver's license required EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Apr 05, 2019
Location : 320 Ridgefield Ct., Asheville, NC 28806 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, commercial relationship managers, and outside counsel. Supports 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. Guidance from the Commercial Loan Closing Manager may be necessary to assist in the review of 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 Prepare loan documentation packages for commercial loans, which may include complex transactions using information compiled by external and internal staff assuring completeness and accuracy Prepare loan document packages for Modifications, Renewals, and Extensions assuring completeness and accuracy Review credit approval document to determine the appropriate due diligence necessary to document the loan. Review and finalize Order Flood Certifications Ensure compliance with FEMA regulations Review and verify customer identification documents Review Corporate documents Review UCC search records Prepare UCC financing statements Ensure required fees are collected and documented in closing package Ensure compliance with HMDA/CRA eligibility regulations Review collateral valuations and environmental documents to ensure all due diligence has been received and reflect credit approval. Review preliminary closing documents including but not limited to hazard, liability, builder's risk, and/or flood insurance policies, Title Commitments, Closing Protection Letters, Settlement Statements, etc. Obtain and confirm verification of wiring instructions for loan closings Fund loan closing transactions Provide research, email, and phone support to commercial relationship managers, commercial banking associates and commercial team members as needed. Coordinate the return of all executed document packages and necessary supporting documents to Loan Operations for booking Perform other duties as assigned EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Greensboro, NC, USA
Apr 05, 2019
Location: 101 South Elm Street, Suite 24, Greensboro, NC 27401 The Commercial Banking Associate supports Regional/Market Presidents, Commercial and Business Banking Relationship Manager(s), commercial customers and prospects with all functions related to commercial loans, deposit services, online banking, and treasury management services in order to leverage Relationship Managers' abilities to develop and retain profitable customer relationships. Position also encompasses coordination for deposit account opening and construction loan administration. Maintains and manages Commercial Loan Process system for RMs they support. Ensures high quality service to client base through communication, problem-resolution, and timely, accurate follow-through on behalf of the client and Relationship Manager. Coordinates and maintains positive customer and fellow employee relationships. Position would be responsible for special projects as assigned. Position may include calling efforts to support customer relationships and business development. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job-specific training. Specific Job Functions Maintain electronic loan, credit, and deposit customer files. Coordinate deposit account opening, maintenance, online banking, etc. Partner with Treasury Management Sales Officer to suggest possible products, services, maintenance, questions, etc. Track online banking and Treasury Management routing and progress until successful implementation.Maintain on-going maintenance for customers. Prepare account maintenance changes to commercial loans as necessary under direction of Relationship Manager. Maintain Commercial Loan Process system (CLP) for prospects and applications in all milestones.Keep accurate and clean. Partner with credit analysis department regarding spreads and underwriting requests through CLP. Assist Relationship Manager with the completion of Credit Request Form in the CLP system and completion of the underwriting workbook. Assist Relationship Manager(s) with the review of term sheets, commitment letters, credit memos, etc. for content and accuracy. Assist Relationship Manager with the completion/compilation of the Credit Approval Package. Also, ensure conditions of approval are met before the loan closes. Coordinate preparation of loan and packages including, but not limited to: CIP Borrower and Guarantors, determine Beneficial Ownership, perform OFAC searches, obtain insurance, UCC lien searches, enter transactional data in to the origination system, obtain proper disclosures, ensure proper approval authority, order appraisals and evaluations, surveys, environmental collateral screens, etc. Must have a clear understanding how to review loan documents and ensure the accuracy pre-closing. Coordinate loan closings with Doc Prep, customers, attorneys/settlement agents, and Relationship Manager. Review executed loan packages for completeness and prepare for post-closing. Facilitate routine loan disbursements for commercial construction loans (if necessary) 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. Partner with PMG/CPM teams in (1) collecting financial information, (2) modifications, renewals, and annual review transactions. Request (either through customer or Relationship Manager) updated financial information such as tax returns, financial statements, receivables and inventory, borrowing base certificates, etc. Clear all documentation exceptions in a timely manner. Works with Relationship Manager to ensure overdraft items are worked daily. Pulls and distributes daily/weekly/monthly reports as necessary. Tracks annual reviews, renewing/maturing loans, lines of credit, and letters of credit and notifies action needed each month to Relationship Manager. Perform requests for research or any customer related requests or maintenance. Familiarity with all federal and state banking regulations pertaining to commercial lending including fair lending laws, HMDA, the Bank Secrecy Act, and the US Patriot Act. Successful completion of in-house training programs or other approved/assigned training for sales, service, and products. Prepare expense reports for supported RMs. Performs other related duties as assigned Adhere to all rules and regulations applicable to this position. Performs other duties as requested. Previous commercial banking experience preferred. Completion of related courses such as Principles of Accounting, Finance, etc Knowledge/Skills Required Ability to process work accurately and effectively Ability to multitask in a high-paced working environment Manage prioritization of workflow for maximum efficiency (especially when supporting multiple RMs) Ability to handle confidential information in a professional manner Above average computer skills (Word, Excel, PowerPoint, Outlook) Proficient math and organizational skills Previous banking experience Ability to communicate in a positive and effective manner in one-on-one and small group meetings. Sales/Service skills - Thorough 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 to appropriate internal partners. 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. Effective team member with demonstrated collaboration skills. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements 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 branches, credit administration, loan operations, deposit operations, mortgage, and all other partner groups. 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 facilitate updates or maintenance on existing accounts. Thorough knowledge of loan, deposit, treasury, and other related products offered to the commercial line of business Promotes and introduces personal/consumer Bank services to customers such as: consumer and mortgage loans, IRAs, certificates of deposit, etc. Refer opportunities to commercial partners: mortgage, investment, insurance, equipment finance, and SBA Look for sales opportunities by promoting HomeTrust's products and services within existing portfolio Assist with maintenance of Commercial Prospect Tool, identify possible prospects Conduct prospect/industry research utilizing all available tools including RMAU and CRS . EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Apr 03, 2019
Location : 10 Woodfin St., Asheville, NC 28801 This senior staff position leads the Accounting Department's compliance with the Sarbanes-Oxley Act (SOX) as it relates to internal controls. Specific Job Functions Promotes the growth and prosperity of the Bank by professionally serving the needs of internal and external customers. Drafts, reviews, and maintains Accounting Department SOX narratives. Assists Human Resources and other departments with SOX documentation and controls. Manages the SOX control documentation process. Coordinates SOX testing requests with internal and external auditors. Creates and updates Excel spreadsheets as required by supervisor. Serves as back-up for other accounting positions. Assists with special projects as assigned. Performs other duties as requested. Knowledge/Skills Required Strong knowledge of SOX related internal controls and documentation through public accounting or public company experience. Highly proficient in Excel to be able to both update and create new spreadsheets. Highly organized - able to multi-task without creating stress. Experience with Microsoft Access a plus but not required. Strong interpersonal skills. Effective written and verbal communication skills. Proficiency on 10-key and strong computer skills with ability to learn new software. Must be detail-oriented while still cognizant of the big picture. Dedicated to follow up and follow through on routine and non-routine tasks. Physical and Mental Qualifications This position will require someone with autonomous nature and natural follow up and follow through. 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 This position requires excellent judgment and analysis skills. Additionally, attention to detail is required, yet be able to grasp the big picture. Provides guidance to other departments regarding various accounting duties. Presents a professional, business-like manner and appearance. Effective team member with demonstrated collaboration skills. Job Requirements Three-five years' experience in banking/accounting or similar. SEC Reporting and SOX experience with a public company preferred. Bachelor's degree in accounting, business administration, or similar field of study. Working knowledge of financial accounting for banks. CPA Preferred. Work Environment and Physical Demands This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.
HomeTrust Bank 2420 N Main St, Danville, VA 24540, USA
Apr 02, 2019
Location : 2420 N. Main St. Danville, VA 24540 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri **Competitive Pay, Full Medical Benefits, Attractive benefit package includes PTO, 401k match, wellness programs and more!** 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
Mar 20, 2019
Location: 324 Ridgefield Court Asheville, NC 28806 Role Summary The payroll administrator is responsible for all payroll functions including preparation, processing, record keeping, and state/federal/local agency compliance related to payroll, tax filings, timekeeping and paid time off. The Administrator is responsible for the coordination efforts between payroll, benefits, human resources teams, audit, deposit operations, and financial reporting/ accounting teams to ensure proper flow and maintenance of employee data including preparation/distribution of designated reports. Essential Job Functions Employee Data Entry - Enter, verify and audit data entry related to payroll (time entry, incentives, overtime, bonus payments, etc.) in a timely manner; process mass changes along with W2 and fringe benefit updates. Ensure that employee changes are entered correctly and timely; review changes for proper authorization. Responsible for setting up new hires, benefits deductions, 401k deductions, garnishments, processing terminations; and changes to employee indicative data within the Human Resources Information System (UltiPro/Ultimate) and according to company guidelines. Time and Attendance - Export time and attendance system data and import for processing; load into UltiPro system; and validate file loaded and balanced correctly. Earnings and Deductions Code Maintenance - Maintain system/table set up in UltiPro system for earnings and deductions. Garnishments - Notify the employee and respond to any requests for information; process legal directives (set up, administer, terminate); notify Finance team of funding requirements and provide supporting documentation. Coordination with benefits team - ensure all third-party sick payments are correct and ensure proper reporting for taxation. Payroll calculation - Initiate and process payroll runs (per payroll schedule) including payroll reconciliation/validation and production of all payroll required/related reporting and interfaces (typically a gross-to-net calculation but in some cases, may be complete calculation from raw time); verify and audit all payroll runs; perform special check/and/or supplemental payment runs. Payroll Disbursement - prepare and send electronic payment files (employee direct deposits, deduction withholdings, etc.); perform audits; and provide Finance notification of files sent and received (to include processing errors and corrective action taken); perform summary reporting on deductions and payments online. Ensure accurate control totals sent for ACH processing and designate all payroll wire transfers through Deposit Operations for approval. Tax Reporting - perform quarterly and year end payroll to tax reconciliation to ensure all payroll data has been received and processed (including stop-pays, voids and reversals of payroll checks). Compliance and reporting - maintain data integrity and controls; ensure all system-related processes and policies meet regulatory requirements; update UltiPro system with unemployment tax date, if appropriate; monitor payroll trends; evaluate and advise on payroll best practices; provide ad hoc reports as requested; provide and maintain capability to generate ad hoc reports as necessary; maintain, store and provide payroll documents for required compliance reporting and auditing needs. Create streamlined payroll processes resulting in increased accuracy and higher productivity. Perform other duties as requested. Knowledge/Skills Required Certified Payroll Professional. Advanced/Expert level in Microsoft Excel and Word. Advanced/Expert knowledge of Fair Labor Standards Act, Wage and Hour rules, SOX, and other federal/state/local laws impacting payroll processing. Experience with UltiPro/Ultimate Software system. Ability to maintain confidentiality and exercise extreme discretion. Excellent problem solving and judgment skills. High level of attention to detail and accuracy. Strong organizational skills. Ability to handle and prioritize multiple tasks and meet all deadlines. Excellent written and verbal communications skills. Physical and Mental Qualifications Ability to understand and use Human Resource, Payroll, and corporate policies/procedures/tools to support positive customer interactions. Ability to communicate in a positive and effective manner. Ability to listen to and/or convey detailed or important instructions or ideas accurately and quickly. Ability to handle and prioritize multiple tasks and meet all deadlines. Ability to work under pressure. Ability to think and act independently within guidelines and limitations of human resources, payroll and company policies and assigned personal authority. Competencies Functional/Technical Payroll/Accounting Skills Sound Judgment Customer Focus Problem Solving Time Management Listening Skills Personal Traits Presents a professional, business-like manner and appearance. Customer service aptitude and ability. Earns quick credibility. Excellent skills at building and maintaining relationships. Effective team member with demonstrated collaboration skills. Highly developed communication and presentation skills. Ability to resolve employee concerns/issues in a positive way. Focus/desire to serve employee needs and provide excellent customer service. Integrity and Trust. Job Requirements Four-year degree or associate degree in Business Administration/Finance required.Accounting degree preferred. Demonstrated knowledge of payroll and payroll tax policies and procedures, SOX compliance, and wage and hour laws. Five to seven years of experience performing all payroll and payroll tax functions for a multi-state, public company with assets in excess of $3B. Work Environment and Physical Demands This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees. This job description in no way states or implies that these are the only duties to be performed by the employee(s) in this position. Employee(s) will be required to follow any other job-related instructions and to perform any other job-related duties as requested by any person authorized to give instructions or assignments. Duties, responsibilities and expectations may be added, deleted; or changed at any time at management's discretion. This job description does not create an employment contract, implied or otherwise, other than an employment-at-will relationship.
HomeTrust Bank Greenville, SC, USA
Mar 16, 2019
Location 499 Woodruff Road Greenville, SC 29607 Reports to: Mortgage Lending Manager - Greenville 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 Raleigh, NC, USA
Mar 16, 2019
Location 4140 Park Lake Ave, Suite 610 Raleigh, NC 27612 Reports to: Mortgage Lending Manager (Raleigh) 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 Arden, NC 28704, USA
Mar 13, 2019
Location: 140 Airport Rd. Suite P, Arden, NC 28704 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Friday, Occasional 9a-12:30p Saturday **Competitive Pay, Full Medical Benefits, Attractive benefit package includes PTO, 401k match, wellness programs and more!** Role Summary: 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 platform 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 Platform 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: Familiarity with all federal and state banking regulations, including, but not limited to the Bank Secrecy Act and the USA Patriot Act. 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. Familiarity with all federal and state banking regulations pertaining to lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act. 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. Competencies Required : Drives for Results: Pursues everything with energy, drive and a need to finish; seldom gives up before finishing, especially in the face of resistance or setbacks. Action Oriented: Can be counted on to exceed goals successfully; is constantly and consistently one of the top performers; very bottom-line oriented; steadfastly pushes self and others for results. Customer Focus: Is dedicated to meeting the expectations and requirements of internal and external customers; gets first-hand customer information and uses it for improvements in products and services; acts with customers in mind; establishes and maintains effective relationships with customers and gains their trust and respect. 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. Functional/Technical Skills: Has the functional and technical knowledge and skills to do the job at a high level of accomplishment. 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). Successful completion of in-house required training. Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Lexington, NC, USA
Feb 28, 2019
Location : Lexington / Winston-Salem Market Primary responsibilities of the Mortgage Loan Officer 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 : Familiarity with all federal and state banking regulations, including, but not limited to the Bank Secrecy Act and the USA Patriot Act. 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 Knoxville, TN, USA
Feb 28, 2019
Location : 6501 Kingston Pike, Knoxville, TN 37919 Primary responsibilities of the Business Banking Officer include active business development, origination of business real estate and other bank loan products, ongoing proactive portfolio management, and meeting broad business banking needs through effective relationship building. Regularly meets with Branch partners to discuss business banking products, prospecting efforts and referrals. 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. Position will typically serve businesses with annual revenues ranging from $250M up to $5MM having lending needs of up to $500M. The Business Banker will work closely with Branch partners, Treasury Management Services, and other Commercial and Business Banking Partners. Loans will be underwritten through Credit Administration with credit lending authority to be determined by Credit Administration. This position is expected to source business from both internal and external sources. Business Banking is expected to spend approximately 50% of time outside the office engaged in business development and consultation activities with Branch partners, clients, builders, business owners and other referral sources. Qualifications Knowledge : Four-year degree in business, finance or related field is preferred. 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 to 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. Actively engages and interacts with branch partners to educate branch staff on identifying needs and helping to make referrals. 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. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.