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BH
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MC
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Human Resources Business Partner
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Product Manager, Networking Features
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Added 25 mins ago
Product Manager, Networking Features
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Added 26 mins ago
J
Product Manager
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- $100,000 to $130,000 USD / year
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Added 27 mins ago
Product Manager, Client Services
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Data Analyst
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- $100,000 to $110,000 USD / year
Demonstrate superior verbal and written communication skills, with the ability to explain complex analytical concepts to stakeholders with technical and non-technical backgrounds
Added 31 mins ago
EG
Business Systems Analyst (BSA)
Eliassen Group
Augusta, ME
- $70 to $80 USD / hour
…execution. This is not a traditional technical BSA or Project Manager role. The ideal candidate operates as a strategic generalist, helping create structure around priorities, connect…

HomeTrust Bank

Universal Banking Associate

Charlotte, NC, United States

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Job details

Experience: 5+ years of public contact or sales experience.
Posting language: English
Posted: Nov 5, 2026

Original job description

Job Summary

The Universal Banking Associate is responsible for providing elite customer service through the efficient management of customer interactions and will provide solutions based on the customer’s needs. The Universal Banking Associate handles transaction processing to establishing new customer relationships and enhances existing relationships through in-business center interactions as well as phone conversations.

Key Responsibilities / Essential Functions

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

Attract and retain customer relationships by delivering elite customer service both in person and by phone, identifying customer needs and suggesting appropriate products and services to solidify and enhance relationships.
Serve as primary customer contact for transaction processing, new account opening and account maintenance requests.
Participate in outbound client phone calls to support business center development.
Handle transactions on the teller line and move to a lobby workstation for customer conversations and new account opening, creating a central location for the customer’s financial needs.
Receive checks and cash for deposits to accounts, verify amounts, examine checks for proper endorsement, enter deposits into computer records, and places 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 total amounts to computer generated proof sheet, reporting any discrepancies to the supervisor.
Perform as the vault custodian maintaining control and balance of the vault.
Provide a complete range of customer services including wire transfers, explain bank products and service features and benefits, gather customer information to set up new consumer and business accounts, and process updates or provide maintenance on existing accounts.
Serve as an IRA specialist for opening new IRAs, processing contributions and distributions.
Participate in retail and business sales, service and product training meetings, team huddles, and other meetings as scheduled, and assist and facilitate business center adherence to operations and audits.
Directly promote and offer solutions for all retail and business bank products and services, including checking, savings, money market, certificates of deposit, debit card, online/mobile banking, and consumer loans, including HELOC and business loans.
Promote and introduce other financial institution products and services to customers and make appropriate referrals, including mortgage referrals, investment services, and treasury management services, and business banking
Provide micro-lending services to clients and make appropriate referrals to Business Center Manager or Business Banker.
Maintain confidentiality and security of sensitive information.
Adhere to all corporate policies and procedures, Federal and State regulations and laws.
Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
Complete all mandatory annual compliance training.
Perform other duties and special projects as assigned.

Job Requirements

Education:

High school diploma or equivalent required.

Required:

5+ years of public contact or sales experience.
Experience in SSA position or equivalent at another financial institution.
Above average PC and technology skills, and ability to use applicable software and operation branch automation systems.
Familiarity with all federal and state banking regulations pertaining to lending and consumer finance, including fair lending laws, the Bank Secrecy Act, and the US Patriot Act.
Thorough knowledge of the Teller system and all applicable system applications, basic and complex consumer account opening and maintenance activities, all transaction processing functions performed at teller window, and processing wire transfers.
Sales/Service skills - knowledge of bank products and services, sufficient to identify and fill customer and prospect needs, conduct sales/service dialogue with customers and prospects both in-person and by phone, and/or refer quality business.
Stay abreast of all changes in policies and procedures related to retail and consumer lending products.
Excellent verbal and written communications skills, ability to resolve customer concerns/issues in a positive manner, and high attention to detail.
Successful completion of in-house training programs or other approved or assigned training programs for new accounts function within one year of accepting position.
Actively learns, demonstrates, and fosters the HomeTrust corporate culture in all actions and words.
Takes personal initiative and is a positive example for others to emulate.
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.
Ability to understand and use bank policies and procedures to ensure operational efficiency and regulatory compliance.
Ability to work with limited or no direct supervision.
Must be organized and possess an aptitude for basic math.
Ability to think and act independently within guidelines and limitations of bank policy and assigned personal authority.
Proficient in Microsoft Office products.

Preferred:

Associate/bachelor’s degree in relevant field.

About HomeTrust Bank

HomeTrust 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 www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization.

Work Environment, Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and scanners.
Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
The employee will frequently communicate and must be able to exchange accurate information with others.
The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.

DISCLAIMER: HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank’s policy is to provide equal employment opportunities to all persons regardless of race, color, religion, sex (including sexual orientation and gender identity), national origin, age, disability, genetic information, protected veteran status, or any other characteristic protected by federal law. Employment decisions will be based on valid job requirements and business needs, and we administer personnel actions (including recruitment, selection, promotion, compensation, benefits, transfers, layoffs, training, and social/recreation programs) without discrimination on any prohibited basis.

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