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 North Carolina, USA
Dec 08, 2017
Location: 228 6th Avenue East Hendersonville, NC 28792 The Part-Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. Actively learns, demonstrates, and fosters the HomeTrust corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. Sales/Service skills - knowledge of bank products and services, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Dec 06, 2017
Location : 1900 Ridgefield Blvd, Asheville, NC 28802 The Post-Closing Specialist II receives and review closed loan packages for correspondent investors. Forward closed loan packages to appropriate investors within designated time frames. Clear investor suspense items to ensure loans are purchased prior to investor deadlines. Responsible for managing time sensitive material and meeting deadlines. Specific Job Functions : Reviews and verifies loan packages and closing documents for accuracy and completeness. Creates conditions for any corrections and/or documents needed and scans closing packages into Encompass. Initiates follow-up on problems with attorneys and/or loan operations personnel. Prepares and sends post-consummation Closing Disclosures as required. Registers closed loans with MERS. Manages shipping pipelines within Encompass to ensure that all loans are shipped to investors prior to delivery expiration dates. Performs necessary tasks within Encompass in order to prepare files to ship to investors. Keeps current with each investor's requirements for shipped packages. Manages correspondent lending pipelines to ensure conditions are addressed and/or cleared within each investor's time frame to prevent incurring suspense fees. Initiates follow-up with settlement agents on trailing documents. Receives trailing documents and verifies accuracy of the documents. Manages the outstanding documents pipeline within Encompass to ensure that trailing documents are received in a timely manner and forwards trailing documents to investors. Manages pipelines to assure timely execution of duties. Knowledge / Skills Required : Demonstrates the ability to analyze situations and make sound decisions with minimal supervision. Strong problem solving skills. Demonstrates ability to prioritize tasks and manage time wisely. Customer service driven with focus on responsiveness to client issues and concerns. Excellent attention to detail. Solid oral and written communication skills, with ability to interact effectively with all customers, both internal and external. Excellent organizational and time management skills. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws. Personal Traits : Presents a professional, business-like manner and appearance. Approaches responsibilities with enthusiasm for delivering excellent customer service, displaying energy and drive for accurate task completion, and an overall ambition for success. Ability to carry out detailed instructions and to resolve loan and or customer related problems satisfactorily. Takes personal accountability and responsibility when errors occur and learns from mistakes. Focus/desire to serve customer needs and provide excellent customer service. Technically savvy, detail and task oriented. Communicate with fellow employees in a manner that shows sensitivity, tact and professionalism. Job Requirements : High school diploma or equivalent. Proficient in Excel, Word, Outlook, with the ability to learn other mortgage-related software programs. Demonstrated communication, telephone and organizational skills. Knowledge of mortgage programs a plus. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Nov 28, 2017
Location : 330 Ridgefield Ct., Asheville, NC 28803 The Assistant Manager, Loan Servicing (Grade 9) manages and directs all aspects of the Bank's loan servicing functions. This may include, but is not limited to specialized activities to support Customer Service, Investor Reporting and Balancing, Tax and Insurance Monitoring, Payment Servicing and Research, Payoffs, New Account Boarding, ARMs, HELOCs, Default Support, Modifications, and Imaging. Has an in-depth understanding of governing rules and regulations and the implication of processes on other groups within the department and other divisions within the bank. Researches and resolves complex operational issues. Helps provide data conversion and mapping assistance to the Loan Servicing Manager as necessary in connection with the acquisition of new partner banks. Specific Job Functions: Promotes the growth and prosperity of the Bank by professionally serving the needs of customers. Promotes quality customer service and oversees work productivity. Plans and directs policies, objectives, and initiatives of the department. Maintains and demonstrates proficiency with loan software applications.Work with system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance.Analyzes, prepares and trains for periodic updates to system software, and verifies that enhancements are working correctly.Makes recommendations for system specification changes and is responsible for implementing any approved changes. Serves as point of contact and is responsible for performing data migration tasks.Ensures data accuracy and integrity.Escalates issues in a timely manner to allow for rapid resolution.Provides accurate and appropriate feedback in a timely manner. Embraces change in the work environment.Manages competing demands.Able to deal with frequent change, delays or unexpected events. Understands business issues and opportunities to recommend solutions that enable the department and organization to achieve its goals. Communicates changes, enhancements, and modifications through written documentation in such a manner that issues and solutions may be understood. Conducts thorough research to identify process inefficiencies, seek solutions and make recommendations to improve processes. Constructively and objectively handles stressful/emotional situations and individuals.Maintains a high degree of professionalism exemplifying a member of the management team at all times. Contributes to building positive team spirit.Able to build morale and group commitment to goals and objectives. Encourages, trains and motivates mortgage loan servicing staff.Effectively influences actions and opinions of others. Responsible for recruiting and hiring decisions, performance reviews, and reward and recognition of employees under supervision. May be responsible for meeting department budget. Performs other duties as requested. Knowledge/Skills Required : Ability to prioritize duties and work independently while remaining flexible to changing assignments. Wide degree of creativity and original thinking. Strong analytical and assessment skills.Demonstrated problem solving ability. Thorough knowledge of Bank lending products and services. Experience with loan database software and general familiarity with computers and software, including Excel and database programs. Demonstrated ability to handle multiple tasks simultaneously. Exceptional organization skills. Excellent attention to detail. Writes clearly and informatively. Above average communications skills with emphasis on listening and problem solving skills. Ability to meet designated deadlines and reprioritize as needed. Supervisory experience required. 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 one-on-one and in group meetings or presentations. Ability to understand 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 : Excellent analytical and organizational skills. Effective interpersonal, communication skills, and time management skills. Highly self-motivated, detail oriented, and possesses strong self-review skills. Job Requirements : A Bachelor's degree from a four-year college or university in business or related field or equivalent combination of education and experience in the mortgage or consumer lending industry. Minimum of 5 to 7 years related consumer and/or mortgage lending experience. Previous management experience strongly preferred. Must be bondable. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Greenville, SC, USA
Nov 28, 2017
Location : 8599 Pelham Rd, Greenville, SC 29615 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri (this role is scheduled for 20 hrs per week within the window of operating hours) The Part-Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. Actively learns, demonstrates, and fosters the HomeTrust corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. Sales/Service skills - knowledge of bank products and services, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Roanoke, VA, USA
Nov 22, 2017
Location 316 South Jefferson St Roanoke, VA 24011 Reports to: SVP/Director of Mortgage Lending (Charlotte) Supervises: n/a FLSA Status: Non-Exempt Salary Grade: 5 Role Summary Primary responsibilities include the solicitation and origination of Mortgage, real estate related and other HomeTrust Bank loan products. Incumbent counsels borrowers to ensure they acquire a loan product appropriate to their circumstances. Assesses with customer the best options for the customer's needs and makes appropriate recommendations. Analyzes the prospective borrower's income and debt, counsels borrower on credit record or other problems, and pre-qualifies the borrower. Provides disclosures to borrower including Truth in Lending and Good Faith Estimates. Specific Job Functions Originates Mortgage and other real estate related loans, as well as consumer and small business loans. Interviews customers and completes detailed loan application. Prequalifies borrowers using standard underwriting procedures. Counsels customers on home buying and financing process. Develops and maintains personal loan pipeline. Works with Loan Processor to facilitate underwriting and processing phases of loans. Answers telephone and written inquiries concerning active loans and Bank loan offerings. Cross-sells financial institution products and services as appropriate. Knowledge/Skills Required Thorough knowledge of all Bank retail and consumer lending products. Knowledge of all HomeTrust Bank Retail products and services. Knowledge of origination and loan processing functions and related requirements and procedures. Knowledgeable of Bank underwriting guidelines for in-house and secondary market loans. Ability to establish and maintain relationships with builders, real estate agents, etc. Excellent attention to detail, organizational and communications skills. Skilled professional networker. Successful completion of Bank training program(s) for lending (depending on experience and background as a lender). Expectation is to have ability to meet business goals after first 12 months of employment with HomeTrust Bank. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws. Physical and Mental Qualifications Ability to understand, and use Bank loan policies and procedures to support positive customer interactions. Ability to communicate effectively with customers, staff and the general public in a positive, problem solving manner. Ability to listen to and convey accurately and quickly, detailed information, important instructions and/or ideas. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Personal Traits Presents a professional, business-like manner and appearance. Sales and Service aptitude and ability. Earns quick credibility. Outgoing nature with excellent skills at building and maintaining relationships. Highly developed communication and presentation skills. Ability to resolve customer concerns/issues in a positive way. Focus/desire to serve customer needs and provide excellent customer service. Technically savvy and task oriented. Job Requirements High school diploma or equivalent. Prefer 2-4 year degree in related field. At least two years of experience as a retail loan originator, processor, or sales assistant or equivalent experience with a proven sales record. Good basic computer skills. Must be bondable. Valid driver's license required. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank North Carolina, USA
Nov 22, 2017
Location 100 Queens Road, Suite 100 Charlotte, NC 28024 Position Summary Primary responsibilities include active business development, origination of business real estate and other bank loan products, and meeting broad business banking needs through effective relationship building. Incumbent develops customer relationships, making sure they acquire loan, deposit, and other banking products appropriate to their circumstances. Assesses with customer the best options for the customer's needs and initiates appropriate action. Analyzes the prospective client's financial statements, counsel client on credit record or other concerns, and assists in determining initial qualification of loan program. This position is expected to source a minimum of 75% of business from outside. High level of personal monthly loan production, spending approximately 60% to 70% of time outside of office engaged in business development and consultation activities with clients, builders, business owners and other referral sources. Qualifications Knowledge: Four-year degree in business, finance or related field. Demonstrated knowledge of bank policies, procedures, and lending practices. Thorough knowledge of all Bank business lending and deposit products. Demonstrated knowledge of credit analysis functions and related requirements and procedures. Successful completion of Bank training program(s) for lending (depending on experience and background as a lender). Familiarity with all HomeTrust Retail products and services. Experience: Two - five years' experience as a business lender required, seven - ten preferred. Demonstrated record achieving goals. Must be bondable. Demonstrated ability to understand and use Bank loan policies and procedures to support positive customer interactions. Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws. Skills: Competent computer skills utilizing office and banking applications. Valid driver's license required. Presents a professional, business-like manner and appearance. Sales and service aptitude and ability. Earns quick credibility. Outgoing nature with excellent skills at building and maintaining relationships. Highly developed communication and presentation skills. Ability to resolve customer concerns/issues in a positive way. Effective team member and demonstrated collaboration skills. Technically savvy and efficient in completion of work. Ability to communicate effectively with customers, staff and the general public in a positive, problem solving manner. Ability to listen to and convey accurately and quickly, detailed information, important instructions and/or ideas. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Skilled professional networker. Excellent attention to detail. Proficient written and verbal communications skills. Demonstrated by effective business relationships and production. Essential Functions Actively initiates business contacts to develop relationships and promote bank products and services. Counsels customers on business financing needs and process. Counsels customers and completes detailed review of loan application and other business services. Analyzes customer financial status, credit and property evaluations to determine loan feasibility. Develops and maintains personal loan pipeline. Teams with Credit Analysts to facilitate review and processing of loans. Responds timely to customer inquiries concerning active loans and Bank loan offerings and related business. Teams with Treasury Management to develop leads and referrals within existing portfolio and priority one customers/targets. Provides loan status reports to management as requested. Manages loan portfolio and ensures appropriate process is followed on delinquent accounts. Stays current on and proficiently follows the commercial lending underwriting guidelines. Ability to establish and maintain relationships with business owners, builders, real estate agents, etc. Performs other duties as requested EOE: Protected Veterans/Individuals with Disabilities
HomeTrust Bank North Carolina, USA
Nov 22, 2017
SVP/Director of Marketing Reports to: EVP/Consumer Banking Executive Supervises: Digital Marketing Manager, Sales and Marketing Coordinator, Creative Services Specialist FLSA Designation: Exempt Salary Grade: 13 Location: 71 N Market Street, Asheville NC 28801 Role Summary: The SVP/Director of Marketing is responsible for ensuring brand consistency in all delivery, advertising, and investor relations. Oversees all marketing, customer communications, and public relations activities for the bank. Identifies, develops and implements programs and initiatives that drive customer acquisition, retention, and cross-sell and further perpetuates the HomeTrust brand within our footprint. Partners closely with sales and market leadership, product managers, and other group/division heads across the bank to create and execute strategic marketing plans that support each business' objectives and drive meaningful financial results. Director is accountable for the entire marketing operations and strategies and serves as primary media contact for the bank. Supervisory Responsibilities: This position requires sound and proven leadership abilities, effective written and verbal communication skills, strong and demonstrable analytical abilities, advanced technology systems skills, strong relationship skills and being politically savvy. Is responsible for the overall direction, coordination, and evaluation of the marketing group. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include participating in the recruiting, interview and hiring process; mentoring, training, and developing employees; planning, assigning, and directing work; ensuring that all projects are completed on time, on budget, and on strategy; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. Specific Job Functions: Defends and enhances the bank's brand in all matters Ensures message clarity and common look, feel, and touch in all delivery channel, advertising, and investor relations Champions and vigorously defends the presentation of all customer-facing messaging/communications in tone, accuracy, and relevancy Ensures that all marketing plans, programs, and initiatives are created in close partnership with business unit leadership, and executed on time, on budget, and on strategy Contributes to overall strategic plan objectives to increase market share and increase brand awareness Effectively identifies, procures, and manages external vendors/partners that will capably assist in execution of our programs and strategies Coordinates all market research to continually identify trends in customer behaviors and preferences Maintains market awareness of the offerings of the industry Develops and executes all account acquisition, retention, and cross-sell programs, and ensures timely and accurate reporting of program results Consults with branches and sales leadership on program effectiveness and relays actionable feedback to internal and external marketing partners Oversees and prepares status reports, newsletters, and other bank communications assuring consistent and pertinent messaging Oversees all bank sponsorships and promotional events Oversees and directs effective program for charitable contribution activities for the bank assuring maximum visibility and cost-effectiveness Other duties as assigned Knowledge/Skills Required: Deep understanding of all components of the marketing mix - with a particular emphasis on digital mediums Thorough knowledge of all bank line of business products, services, service markets and offerings Ability to establish and maintain strong working relationships with senior leaders and cross-functional peers across the bank Well-developed strategic planning skills; experience translating strategic plans into strong tactical execution Strong teamwork orientation with an ability to work effectively in a constantly changing environment Excellent attention to detail, organizational and communications skills Demonstrated understanding of marketing analytics and its role in driving effective acquisition programs Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws Physical and Mental Qualifications: Ability to communicate effectively with customers, staff and the general public in a positive, proactive and strategic 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 Willingness and ability to grow Emotional Intelligence competencies, demonstrating these competencies in the workplace Personal Traits: Presents a professional, business-like manner and appearance Aptitude and ability to serve as primary point of contact for the bank. Quick thinker that can earn quick credibility Strong leadership and influencing skills with well-developed knowledge of working across multiple groups, divisions and sales and service channels High-energy leader who thrives in an environment with multiple deadlines and with various and vastly differing projects Ability to support the execution of the strategic growth plan of the bank; understands priorities and adjusts accordingly Highly developed communication and presentation skills Ability to illustrate the bank offerings and story effectively and in a compelling and compliant manner. Technically savvy and a creative thinker Job Requirements: Undergraduate degree in Marketing or related field, masters degree preferred Minimum of seven to 10 years of marketing in financial services Demonstrated success with media relations, branding, market research and public relations Valid driver's license required EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Tennessee, USA
Nov 22, 2017
Position:Portfolio Monitoring Analyst I Reports to: VP/Portfolio Monitoring Manager Reports to this position: N/A Salary Grade: 8 FLSA designation: Non-Exempt SUMMARY: Provide administrative, tracking, portfolio monitoring and underwriting of renewals, modifications, guarantor/collateral release and substitution in support of the bank's business banking group (business purpose loans). Analyst will partner very closely with the respective lines of business relationship managers as well as the business banking associates to ensure timely renewal and appraisals/evaluations as required. Typical total direct credit exposure to one borrower will range from $1,000-$500,000 with total credit exposure to all related entities cannot exceed $1,000,000. SPECIFIC JOB FUNCTIONS: Encourage open and ongoing dialogue with business bankers, business banking associates. Underwrite small business renewal requests by completing the various financial spreads and cash flow analysis work as required in the bank's small business underwriting workbook. Analyst will focus primarily on preparing renewals, modifications, guarantor/collateral release and substitution for credit decisions. Depth of analysis will be consistent with exposure level and whether financials are required to meet credit underwriting policy guidelines. Underwriting based on financials will follow the same underwriting process for new business purpose loan originations. May provide assistance to the Portfolio Monitoring Manager as needed on various projects. Performs other duties as requested. JOB KNOWLEDGE/SKILLS REQUIRED: Two years of banking experience with at least 6 months of business/commercial banking and/or credit underwriting/analysis experience in the financial services industry are preferred. A four-year degree from an accredited university in one of the areas of Finance, Accounting, and Economics, Business or other related field. Candidate should have working knowledge of finance principles sufficient to adequately perform technical aspects of job with reasonable amounts of supervision. Successful completion of a formalized credit training program or commensurate experience is desired. 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. Must have excellent diplomatic skills to manage conflicts effectively and with a high degree of personal and professional integrity. Must be able to understand and perform intermediate to more complex mathematical calculations. Must be proficient with Microsoft Office applications and must have high level of comfort in working with various technologies. 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 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. Analyst will demonstrate the aptitude to work in a fast-paced environment and balance client service while simultaneously managing credit risk appropriately. This position will require significant guidance from the Portfolio Monitoring Manager in the beginning but should have demonstrated aptitude to move to a PMA II within a reasonable period of time. Adopts an anticipatory rather than reactionary approach to managing risk. High degree of personal and professional integrity - consistent, trustworthy, honest and fair in dealing with bank staff and customers PHYSICAL AND MENTAL QUALIFICATIONS: Ability to understand and use Bank loan policies and procedures to support positive internal and external 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. EOE/Protected Veterans/Indviduals with Disabilities
HomeTrust Bank North Carolina, USA
Nov 17, 2017
EVP/Commercial Banking Group Executive Location: 10 Woodfin Street, Asheville NC 28801 Role Summary: The Commercial Banking Executive will be responsible for the oversight of the entirety of the commercial business line to include the Commercial Lending, SBA Lending, Equipment Finance and Treasury Services and all initiatives to assure successful service delivery and strategy fulfillment. Responsibilities of the position include the oversight and strategy execution of Commercial LOB, new product research and development, customer service and loyalty delivery systems, employee development, education and training, performance management, annual cost/benefit analysis of existing products, preparation of detailed reports for committee and board meetings and regulated compliance. Specific Job Functions: Develop and implement strategic objectives that balance credit risk appetite with loan growth goals. Lead, guide and partner with Market Presidents to continue to enhance and deepen existing commercial relationships and define strategies for bringing on additional relationships while maintaining balance with the credit and risk appetite of the Bank and the direction set by the board. Lead, guide and partner with Directors of SBA, Treasury and Equipment Finance to evaluate current product offerings and portfolio growth. Monitor for any initial changes that need to be made with an ongoing focus on strategy execution - loan growth - balanced with healthy credit relationships. Works closely and collaboratively with the Risk and Credit areas of the Bank. Evaluates the profitability of the commercial products and services and designs initiatives to improve both the revenues and profitability of the products and services. Ensures individual office profitability and strategically aligns cross-functional activities, products, services and opportunities. Participates in planning and budgeting and maintains awareness of economic factors affecting the achievement of established organizational goals. Monitors marketplace and technology changes for necessary changes in HomeTrust Bank's product offerings or strategic direction. In conjunction with the CBO, develops corporate strategies related to the commercial line of business. Implements best practice management techniques to provide for effective and efficient management of commercial products and services. Oversees and recommends upgrades and improvements to Bank policies and procedures; sees to it that any approved changes are implemented and are monitored for improvement. Develop marketing initiatives that promote the bank's credit and lending offerings consistent with the Bank's Strategic Plan. Works with Sales and Service Manager to monitor appropriate pricing. Develops and participates in marketing programs for the Bank's commercial line of business product offerings and campaigns. Evaluates and recommends loan production office expansions along with diversification of additional offerings. Prepares various reports for the CBO and Board of Directors to communicate line of business strategies and profitability analysis. Works closely with the Mortgage and Retail Lines of Business to identify opportunities to leverage expertise, products, and services. Performs other duties as requested. Knowledge/Skills Required: Demonstrated ability to gather, analyze and prepare sophisticated reports related to line of business efficiencies. Demonstrated ability to utilize management and leadership best practices to plan, direct, schedule and review the work performance of assigned employees in a manner conducive to proficient performance and high morale. Ability to establish and maintain effective working relationships with Senior Management, other departments, outside service-related agencies and vendors. Thorough knowledge of all HTB commercial products and services. Knowledge of loan and deposit processing functions and related requirements and procedures. Excellent attention to detail, with strong organizational and communications skills. Physical and Mental Qualifications: Ability to understand, and use Bank policies and procedures to support positive cross-functional team 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, or 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. Ability to quickly and effectively build cross-functional teams and relationships; earns quick credibility. Excellent skills at building and maintaining relationships. Coach/mentor/developer of others. Highly developed communication and presentation skills. Ability to resolve customer concerns/issues in a positive way. Focus/desire to serve customer needs and provide excellent customer service. Exhibits the HomeTrust values in everyday interactions with employees, customers, and communities. Job Requirements: Bachelor's Degree in the field of Business Management, or similar program 15+ years of experience in progressively greater responsibilities in a commercial lending environment. Experience with SBA, Equipment Finance and Treasury Services critical. Supervisory experience of ten or more year in a commercial lending leadership role that includes leading across multiple markets. Demonstrated ability to plan, coordinate and organize service delivery, establish goals and objectives while mentoring and developing staff. Effectively coordinate, organize and delegate work duties. Good computer skills with intermediate level efficiency with the Microsoft suite required. Experience with variety of banking software programs required. Travel is required in this position. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Johnson City, TN, USA
Nov 11, 2017
Location : 1907 North Roan St., Johnson City, TN 37601 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri The Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. Actively learns, demonstrates, and fosters the HomeTrust corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. Sales/Service skills - knowledge of bank products and services, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Cary, NC27519-9232
Nov 11, 2017
Location : 1315 Bradford View Dr., Cary, NC 27519 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri NEW LOCATION! 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 Cornelius, NC, USA
Nov 11, 2017
Location: 19520 W Catawba Avenue, Suite 111B, Cornelius, NC 28031 Role Summary: Responsible for identifying, delivering, and executing the Equipment Finance Sales Strategy. Expected to develop profitable relationships with both HomeTrust Bank clients and Non-Bank prospects either in footprint or out of footprint. Specific Job Functions: The following is a summary of the essential functions for this position. Other duties may be performed which are not mentioned below. Specific activities are subject to change. Maintain a scheduled calling program with commercial clients and prospects to develop the Equipment Finance product and other Bank services.Identify and address areas of competition, as well as potential new markets in your assigned area that would maximize the volume and earnings of the Equipment Finance portfolio. Target your calling efforts towards both private and publicly owned companies with historically high annual capital expenditures.Start your prospecting efforts with commercial prospects with annual revenues between $3 million and $100 million.Focus on direct commercial end-users, and also financially stable vendors of good quality commercial equipment. Focus on essential use, revenue producing commercial equipment and target transaction sizes between $50,000 and $1.0 million. Analyze client and prospect financial data to effectively manage risk and provide complete and accurate credit applications to our Credit Underwriting partners. Attain or exceed annual assigned budgets for volume, fees, and other key objectives. Develop and execute business strategy, including identification and assessment of target market, consumer needs, and product solutions; along with plans to sustain and build the business. As you develop your individual marketing plan, focus on these Key Performance Indicators (KPI's) to help you achieve your goals:1) Phone calls; 2) Personal Visits; 3) Opportunities; 4) Proposals; 5) Awards;6) Approvals; and 7) Funding to approval ratio (actual funding's as a percent of approved amount).The actual objectives for these KPI's will be subject to the Individual, the EF Vertical, and the geographic area. Develop strategy and tactics aimed at delivering the desired customer experience and resultant levels of quality and satisfaction, from the initiation of the relationship and throughout the customer lifecycle, including continuous improvement of the experience based on insights from consumers, customers, and servicing teams. Work closely with the HomeTrust Bank Commercial Relationship Managers in all locations.Conduct joint calls on clients and prospects.Send viable referrals to Commercial Bankers and other key functional areas of the Bank.Attend Bank meetings to provide Equipment Finance product training as needed. Manage all customer correspondence and your opportunity pipeline in our CRM system and keep all records up to date. Assist Credit, Legal, Transaction Management, Operations and Documentation, Sales and Sales Management in structuring transactions to protect the company balance sheet. Develop and maintain working relationships with cross functional teams to develop and execute against strategies. Ability to work effectively and gain credibility and respect of others. Lead and persuade others while positively influencing the outcome of team efforts. Evaluate current economic conditions and regulatory environment and notify management of possible impact on the business. Monitor and report on trends in equipment financing and leasing. Recommend changes that may be needed to remain competitive and profitable. Identify opportunities for new and revised services. Take a high visibility, leadership role in the community served.Establish and develop strong community relations in the region, by becoming involved in civic, charitable and community affairs. Initiate contact for developing new sources of business. Cultivate and maintain relationships with numerous sources of new business. Arrange personal meetings with prospects to explain leasing services, rates, and terms of lease agreements. Interview prospective lessees to develop background information to determine acceptable credit risk. Communicates subsequent investigation results to lessees and initiate lease contract formation where applicable. Prepare market competitive and internally profitable lease quotes by researching market rates, proposing acceptable lease structures, maximizing the use of tax benefits, and insuring sufficient company profitability. Structure, design, and propose viable Equipment Finance transactions. Work with clients to tailor agreements that meet customer needs from the beginning of the transaction to the close. Manage customer relationships on an ongoing basis by monitoring and being proactive with respect to the changing dynamics of the market conditions and competition. Other duties as assigned. Knowledge/Skills Required: Knowledgeable of Bank underwriting guidelines to include in-depth commercial and consumer credit underwriting knowledge. Strong teamwork orientation with an ability to work effectively in a constantly changing environment. Excellent attention to detail, organizational and communications skills. Skilled professional networker. 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. Willingness and ability to grow Emotional Intelligence competencies, demonstrating these competencies in the workplace. Personal Traits: Present a professional, business-like manner and appearance. Sales and Service aptitude and ability. The ability to earn quick credibility. Strong leadership and influencing skills with well-developed knowledge of working across multiple groups, divisions and sales and service channels. Outgoing nature with excellent skills at building and maintaining relationships. Possess good personal, verbal, and written communication skills, plus organizational capability. 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. High energy with a strong desire to succeed in adverse situations. Possess a high standard of personal accountability in meeting assigned sales objectives. Utilize an innovative, courageous approach to problem-solving and market analysis. Job Requirements: Undergraduate degree in Finance, Business Administration, Operations Management or related field. Five to Ten (5-10) years of equipment financing and leasing experience. Experience in equipment financing product development, profitability and pricing. Demonstrated competency with tax and accounting rules as they pertain to leasing, combined with current knowledge of tax law changes and their impact on potential clients. Demonstrated proficiency in basic computer applications, such as Equipment Finance systems and Microsoft Office. Understand and embrace the core values of HomeTrust Bank Must be bondable. Valid driver's license required. Ability to travel, occasionally overnight. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Johnson City, TN, USA
Nov 11, 2017
Location : 1907 North Roan St., Johnson City, TN 37601 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri The Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. Actively learns, demonstrates, and fosters the HomeTrust corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. Sales/Service skills - knowledge of bank products and services, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Cary, NC27519-9232
Nov 11, 2017
Location : 1315 Bradford View Dr., Cary, NC 27519 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri (scheduled for 20 hours per week during this operating window) NEW LOCATION! The Part-Time Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. Actively learns, demonstrates, and fosters the HomeTrust corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. Sales/Service skills - knowledge of bank products and services, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Farragut, TN, USA
Nov 01, 2017
Location : 11916 Kingston Pike, Farragut, TN 37934 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri The Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. Actively learns, demonstrates, and fosters the HomeTrust corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. Sales/Service skills - knowledge of bank products and services, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Oct 28, 2017
Location: 876 Brevard Rd, Asheville, NC 28806 The Home Equity Loan Processor responsibilities include, but are not limited to, entering residential consumer loan data into the loan origination system; obtaining, assembling, and verifying required loan documents and data for accuracy, and communicating with Loan Officers and Customers regarding the status of their applications and documentation requirements. Responsible for managing time-sensitive material and meeting deadlines; ordering, pipeline monitoring, and completing initial review of title searches and property evaluations. Preparing the loan for closing by coordinating with Loan Officers, Attorneys, Title Companies, Insurance Companies, Creditors, and Employers to gather the appropriate final information required to close. Identifying and analyzing challenges on pending closings and conferring with appropriate individuals to design solutions. Reviewing consumer loan pre-closing documentation for completeness. Specific Job Functions : Promote the growth and prosperity of the bank by professionally servicing the needs of customers. Comprehensive understanding and implementation of all aspects of all loan policies and bank regulations. Process Consumer loan applications from application to approval, including regular customer contact. Ensure consumer loan files contain documents with proper signatures, dates, and other relevant data. Evaluate a borrower's profile to determine whether or not the borrower qualifies for the program applied for, including calculating qualifying income. Verify applicant credit, employment, and reserves; order additional documentation to complete the loan file. Review and analyze qualifying income documentation, property evaluations, assets, and credit reports. Order property evaluations, title searches, verifications, and any other items required for loan approval. Monitor outstanding title and property evaluation orders; request corrections, if needed. Review disclosures for completeness and compliance. Responsible for identifying any associated fraud alerts. Submit an accurate, well-documented, and complete file to underwriting that is ready for approval or denial decision. Has in-depth knowledge of title, homeowners insurance, and flood insurance policies; is able to independently review them to ensure they meet minimum Bank requirements. Review and verify title, tax, insurance information, and all other documentation relative to the closing transaction, for accuracy and completeness. Responsible for scheduling the closing date with all parties. Clear closing conditions; prepare and send the closing packages to ensure closing dates are met. Accurately record disbursement requirements and requests. Manage pipelines to ensure timely execution of duties. Mails Commitment Letters, Notices of Incomplete and various Adverse Action letters to customers. Operate in full compliance with internal policies and procedures as well as applicable regulations and laws. Cross-train in other areas of the department, as needed. Knowledge/Skills Required : General knowledge of Bank consumer, deposit, and investment products and services. Thorough knowledge of loan processing and closing functions and procedures. Excellent attention to detail with the ability to work quickly and with accuracy in a high-volume environment. Solid oral and written communication skills, with ability to interact effectively with all customers, both internal and external. Above average organizational and time management skills. Successful completion of in-house training program (if available) or approved outside training program. 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 policies and procedures to ensure operational efficiency and regulatory compliance. Ability to communicate positively and effectively both one-on-one and in small group meetings or presentations. Ability to understand and/or convey detailed or important instructions or ideas accurately and quickly if necessary. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to successfully multi-task. Must be bondable. Personal Traits : Presents a professional, business-like manner and appearance. Energy, drive, ambition. Ability to carry out detailed instructions and to resolve loan and/or customer related problems satisfactorily. Takes ownership of and learns from mistakes. Focus/desire to serve customer needs and provide excellent customer service. Technically savvy, detail oriented, and a team player. Communicates with internal and external customers in a manner that shows sensitivity, tact, and professionalism. Job Requirements : Two- to four-year degree in business or related field. Knowledge of real estate or real estate law is preferred. A minimum of two years of mortgage or consumer processing or closing experience in either a bank or real estate paralegal environment. Knowledge of residential loan documents, laws, and regulations applicable to loan programs, closings, and real estate transfers. Notary Certification (preferred) Proficient in Excel, Word, Outlook, with the ability to learn other mortgage-related software programs. Good human relations skills in dealing with attorneys, title companies, and other business professionals. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Oct 28, 2017
Location : 876 Brevard Rd., Asheville, NC 28806 The Home Equity Underwriter / Processor analyzes financial information and property evaluations to result in safe and profitable loans for the Bank. They will evaluate security of the collateral and credit worthiness of the borrower in accordance with Bank goals and objectives for all Consumer HELOC Products. Specific Job Functions: Promotes the growth and prosperity of the Bank by professionally serving the needs of customers. Analyzes financial information and property evaluations to determine adequacy of loan request and recommends approval/counteroffer or denial. Provides appropriate underwriting decisions commensurate with authority and makes appropriate recommendations to the proper decision makers of those loans that are not within the Underwriter's authority. Reviews product guidelines to confirm loans meet requirements. Determines that all documentation is in file for the loan type and meets all requirements. Places reasonable and prudent stipulations / conditions on loans. Prepares necessary adverse action letters. Confers with the Consumer Lender or Mortgage LO when problems and/or questions arise regarding loan requests, commitments, and closings. Serves as a resource to all Consumer Lenders in the field or back office on all questions related to underwriting requirements. Cross-trains in other areas of the department when time permits. Assists other team members with challenges presented throughout the loan origination and closing process. Develops relationships with Lenders to facilitate the accomplishment of work goals. Performs other duties as requested. Knowledge/Skills Required : Knowledge of all HomeTrust Bank consumer loan products and services. General knowledge of Bank deposit services. Thorough knowledge of Consumer loan processing, underwriting and closing functions. Excellent attention to detail with the ability to work quickly and with accuracy in a high-volume environment. Above average organizational and communications skills. Successful completion of in-house training program (if available) or approved outside training program. 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 one-on-one and in small group meetings or presentations. Ability to understand and/or convey detailed or important instructions or ideas accurately and quickly if necessary. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Must be bondable. Personal Traits : Presents a professional, business-like manner and appearance. Ability to carry out detailed instructions and to resolve loan and or customer related problems satisfactorily. Focus/desire to serve customer needs and provide excellent customer service. Technically savvy, detail and task oriented. Job Requirements : Two to four year degree in business or related field. Knowledge of real estate transactions and compliance guidelines. Knowledge of lending terminology helpful. Two-five years mortgage underwriting experience, preparation and processing experience required. Thorough knowledge of Consumer guidelines and applicable regulatory requirements are a plus. Proficiency with calculator and computer; utilizing broad banking applications. Good human relations skills in dealing with loan officers, loan operations personnel, attorneys, title companies, and other business professionals . EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Asheville, NC, USA
Oct 20, 2017
Location : 330 Ridgefield Ct, Asheville, NC 28806 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri The Deposit Operations Specialist (grade 6) is responsible for providing quality customer service to the bank's customers and all the retail offices, as well as carry out the daily operational responsibilities of servicing deposit accounts. The Deposit Operations Specialist will cross-train and obtain a general knowledge of functions within the department, then be assigned responsibilities for specific functions after cross-training has been completed. Specific Department Functions: Promotes the growth and prosperity of the Bank by professionally serving the needs of customers and retail bank employees. Provides quality service to the bank's customers and support to the retail offices. Processes Wires. Administers the bank's automated overdraft program. Processes and reviews daily ACH activity. Administers the bank's ATM/Debit Card program, including issuance of cards and analysis of fraudulent transactions.Ensures compliance with Visa regulations. Reviews new account reports and documentation. Reviews maturing CDs and sends maturity notice mailings Reviews and maintains customer records, including ownership transfers and address changes. Processes levies/garnishments. Maintains and reviews deposit rate changes. Researches records and provides documentation in response to subpoenas/court orders. Monitors Reg E excessive transactions and take appropriate action. Administers all IRAs and ESAs, including review of new plans and distribution of required minimums. Reviews numerous daily reports related to account maintenance and service charging. Processes all returned checks and prepares appropriate customer notices. Performs other duties as requested. Knowledge/Skills Required : Ability to prioritize duties and work independently while remaining flexible to changing assignments. Thorough knowledge of Bank deposit products and services. Demonstrated ability to handle multiple tasks simultaneously. Exceptional organization skills. Excellent attention to detail. Good communications skills with emphasis on listening and problem solving skills. Ability to meet designated deadlines and reprioritize as needed. Physical and Mental Qualifications : Ability to understand, and use Bank policies and procedures to ensure operational efficiency and regulatory compliance. Ability to communicate positively and effectively with customers and bank employees. Ability to think and act independently within the scope of Bank policy and assigned personal authority. Personal Traits : Excellent analytical, organizational, and self-review skills. Effective interpersonal, communication skills and time management skills. Self-motivated, detail oriented, and strong self-review skills. Job Requirements : A two-year degree in business or related field. Three to five years experience in banking preferred. EOE/Protected Veterans/Individuals with Disabilities
HomeTrust Bank Johnson City, TN, USA
Oct 17, 2017
Location : 862 MedTech Parkway, Johnson City, TN 37604 Hours : 8:30 - 5:00 Mon - Thurs; 8:30 - 6:00 Fri The Sales and Service Associate (grade 5) processes a variety of routine financial transactions including check cashing, withdraws, deposits, and loan payments. Balance cash drawer, counting currency and coin accurately. Assist customers in determining the types of account that will meet their financial needs. Opens and processes all types of deposit accounts and consumer lending needs. Cross-sells other bank services and refer customers to other departments as appropriate. Answers questions and/or resolves complex technical problems on customer accounts. Provides exceptional customer service. Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on - the - job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required and/or job- specific training. Actively learns, demonstrates, and fosters the HomeTrust corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. May be responsible for vault and/or ATM as branch needs demand. Fulfilling vault duties requires successful completion of vault teller test. Specific Job Functions : Serves as primary customer contact for new account opening and account maintenance requests. Represents Bank in providing a complete range of customer services, explains available Bank product and service features and benefits, and gathers customer information to set up new accounts and process updates or to provide maintenance on existing accounts. Participates in Branch and Bank sales, service and product training meetings. Directly sells all Bank deposit products and services, including but not limited to: Checking, Savings, Money Market and Certificates of Deposit accounts. Promotes and introduces other financial institution services to customers, such as: consumer and mortgage loans, IRAs, certificates of deposit, safe deposit boxes, traveler's checks and money orders. Thoroughly explains and closes Consumer Loans. Refers Mortgage loans, Investment and other non-deposit Bank products and services. Serves as point of contact for customer problem resolution, especially on deposit product issues. Ensures compliance with internal controls, operational procedures and risk management policies. Ensures the Customer Service Representative desk is properly stocked with forms, supplies, etc. Reports malfunctions of Teller and new account terminals and other equipment used. Participates in Branch and Bank sales, service and product training meetings. Will be required to attend Teller training and Customer Service Training and is expected to fill both roles as needed. Teller Responsibilities to include: Receives checks and cash for deposits to accounts, verifies amounts, examines checks for proper endorsement, and enters deposits into computer records. Cashes checks and processes withdrawals; pays out money after verification of signatures and customer balances. Place holds on accounts for uncollected funds. Receives mortgage, consumer loan and other payments and ensures the payments match balances due. Enters payments into computer. Generates customer receipts. Responsible for checking night depository bags and recording proper information on the financial institution's forms. Counts, checks and packages coins and currency. Balances cash drawer at the end of the shift and compares totaled amounts to computer generated proof sheet. Reports any discrepancies to the supervisor as necessary. Ensures that the teller station is properly stocked with forms, supplies, etc. Keeps all cash and negotiable items secure at all times per Bank policy and procedures. Knowledge/Skills Required : Thorough knowledge of all Bank deposit products. Knowledgeable and proficient in account opening and maintenance activities. Sales/Service skills - knowledge of bank products and services, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects, and/or refer quality business. Stay abreast of all changes in policies and procedures related to retail and consumer lending products. Excellent interpersonal/verbal communications skills. Ability to resolve customer concerns/issues in a positive manner. Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position. Thorough knowledge of the paying and receiving function at HomeTrust Bank Physical and Mental Qualifications : Ability to understand and use Bank policies and procedures to meet customer needs, while also ensuring operational efficiency and regulatory compliance. Ability to communicate in a positive and effective manner in one-on-one and in small group meetings or presentations. Ability to work with limited or no direct supervision. Sales and Service Associates must be organized, detailed, and possess an aptitude for basic math. Ability to think and act independently within guidelines and limitations of Bank policy and assigned personal authority. Ability to lift approximately 25 pounds in cash drawers, coins, and other office related equipment and materials. Teller duties require standing for extended periods of time throughout the day. Stools are available and can be used at the individual's discretion. Personal traits : Presents a professional, business-like manner and appearance. Desire and ability to effectively interact with customer and prospects. Team and goal oriented style - works cooperatively to attain branch and individual sales and service goals within Bank standards and guidelines. Ability/desire to gain credibility as a knowledgeable financial problem solver - i.e. to "sell" himself/herself to customers and prospects as capable. Focus/desire to serve customer needs and provide excellent customer service. Job Requirements : High school diploma or equivalent (Associates Degree preferred). 2 years of public contact or sales experience (financial industry experience preferred). Above average PC and technology skills. Ability to use applicable software and operation branch automation systems. EOE/Protected Veterans/Individuals with Disabilities