Sales and Service Associate

Job Summary

The Sales and Service Associate handles a variety of routine financial transactions, provides solutions to suit the customer’s financial needs, and resolves any problems they encounter with their prevailing accounts. This position engages with new businesses and people, helping them gain a better understanding of our products and services. The incumbent serves as the primary customer contact for new account openings, account maintenance requests, and problem resolutions.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Serve as the primary customer contact for new account openings, account maintenance requests, and problem resolutions.
• Receive checks and cash for deposits to accounts, verify amounts, examine checks for proper endorsement, enter deposits into computer records, and place holds on accounts for uncollected funds.
• Cash checks and process withdrawals, pay out money after verification of signatures and customer balances.
• Receive and process mortgage, consumer loan, and other payments, and ensure the payments match balances due.
• Responsible for checking night depository bags and recording proper information on the financial institution’s forms.
• Keep all cash and negotiable items secure at all times, balance cash drawer at the end of the shift and compare totaled amounts to computer-generated proof sheet, reporting any discrepancies to the supervisor.
• Directly promote and offer solutions for all retail bank products and services, including checking, savings, money markets, certificates of deposit, debit card, online/mobile banking, and consumer loans.
• Promote and introduce other financial institution products and services to customers and make appropriate referrals, including HELOC loans, IRAs, mortgage referrals, investment services, and treasury management services.
• Participate in branch and bank sales, service, and product training meetings.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
• Complete all mandatory annual compliance training.
• Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and deterrent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
• Perform other duties and special projects as assigned.

• High school diploma or equivalent.

• 1+ years of public contact or sales experience.
• Above average PC and technology skills.
• Ability to use applicable software and operate branch automation systems.
• Excellent interpersonal and verbal communication skills, with the ability to resolve customer concerns/issues in a positive manner.
• Must be organized, detailed, and possess an aptitude for basic math, including account opening and maintenance activities.
• Familiarity with all federal and state banking regulations pertaining to lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act.
• Knowledge of bank products and services, sufficient to identify and assist with customer and prospect needs and conduct sales/service dialogue with current and potential customers.
• Stay abreast of all changes in policies and procedures related to retail and consumer lending products.
• Successful completion of in‑house training programs within one year of accepting the position.
• Proficient in Microsoft Office products.

• College degree in related field.
• Financial industry experience.

Home Trust Bank, founded in 1926, is a North Carolina chartered, community‑focused financial institution committed to providing value‑added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at  Apply today to take your first steps toward joining this talented population of employees…