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Life/Health/Annuity Account Manager

Department: Insurance Benefits
Reports To: Senior Vice-President/Insurance Division
Supervises: None

Job Description:

The Life/Health/Annuity Account Manager is responsible for providing assistance to new and existing customers. In addition, the LHA Account Manager will maintain the basic insurance database and other administrative functions.

Primary Job Functions may include:

Entering and maintaining benefits database in BenefitPoint.
Providing efficient and courteous customer service, in-person and on the phone.
Processing new/renewal business, including reviewing for accuracy, and invoicing.
Reviewing assigned client files at expiration and addressing coverage gaps to protect our clients’ assets and retain our existing business.
Scanning and filing documents in a timely manner and keeping files up to date.
Assisting Producers with new business and renewals.
Answering general service questions from clients pertaining to health, life, or annuities
Assisting in entering commissions.
Filing claims for life and annuity clients.
Sending Call tree messages as needed.
Keeping current on requirements for NC insurance license continuing education.
Following and being familiar with Procedures Manual.
Backing up group benefits account manager when needed.

Minimum Qualifications

Life/Health and Medicare/LTC license required or willing to obtain.
College graduate preferred—High School diploma considered.
Strong verbal and written communication skills with attention to detail.
Interpersonal skills to build and maintain professional supportive relationships with customers and team members.
PC and keyboarding skills, including experience with Windows operating systems.
Hybrid work considered.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Financial Consultant I

Department: Retail Banking
Reports To: Financial Consultant II-Lead
Supervises: Day to day deposit activities with customers

Job Description:

Creates the optimum experience in all customer and consumer interactions. Consults with customers, recommending products and services to meet immediate needs and long term goals. Solicits new business and proactively provides or refers financial products and services. Actively participates and interacts with other team members.

Primary Job Functions may include:

Bears primary responsibility to model and create an exceptional customer experience.
Solicits and originates deposit products. Refers Loans, Insurance and Investments to appropriate team members. Focuses the resources of the company to build total customer relationships using banking, insurance, and investment services as well as complementary products offered by third party vendors. Manages all customer relationships to increase total wallet share.
Communicates and demonstrates excellence in customer service, going the extra mile to exceed customer expectations.
Consistently uses technology tools to support the customer relationship and record activities.
Is knowledgeable of and adheres to bank policies and procedures in all activities while observing all authoritative limits and regulatory responsibilities.
Is flexible in work scheduling as requested.
Completes documentation, correctly and efficiently.
Primarily responsible for helping customers process transactions.
Assists with other responsibilities as directed by the Retail Bank manager, Market President, and/or Chief Banking Officer.
Adheres to all company and compliance policies and procedures.

Minimum Qualifications

High school diploma or equivalent.
Experience in the customer service industry.
Excellent oral and written communication skills.
Ability to develop knowledge in a wide range of financial products.
Good judgment, interpersonal and intuitive skills.
Must have business development skills and enjoy soliciting new business.
Exhibits proactive, engaging, and high energy traits.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

CL Marketing Specialist / Insurance Systems Assistant I

Department: Insurance
Reports To: Systems Manager
Supervises: None

Job Description:The CL Marketing Specialist/Insurance Systems Assistant I is responsible for marketing new business and renewal accounts for the agency. In addition, the CL Marketing Specialist/Insurance Systems Assistant I is responsible for various administrative functions, both of which require strict attention to detail.

Primary Job Functions may include:

Supports and assists account executives and account managers with marketing new business and renewal business
When necessary, prepares submissions and cover letters to companies and brokers ensuring accuracy, quality, and professional appearance for our offerings to the marketplace
Becomes familiar with and utilizes the “submission” feature of AMS and attaches all communications of marketing efforts to the client file of the management system
Travels to various branch locations to discuss marketing activities
Completes supplemental applications and supplies any additional information that may be required
Prepares proposals for account executives and account managers
Retrieves P&C commission statements from company websites
Processes incoming/outgoing mail
Adds, edits, and maintains form letters in AMS360
Keeps current on requirements for NC insurance license continuing education
Assists with maintenance of AMS360 data base (by using reports to find errors, such as incorrect department, personnel, or customer statuses)
Orders and tracks supplies for the Boone branch
Follows and is familiar with Procedures Manual
Adheres to all company and compliance policies and procedures

Minimum Qualifications

High School Diploma or Equivalent
Insurance license required
Detail-oriented and independent self-starter
5 years of insurance experience in an independent agency environment
Experience working in agency management systems
Excellent interpersonal, office, communication, and public relation skills
Excellent knowledge of windows and MS Office programs
Good math and verbal skills

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Personal Lines Service Specialist

Department: Personal Lines (PL) Insurance
Reports To: Personal Lines Manager
Supervises: None

Job Description: The PL Service Specialist is responsible for providing an exceptional service experience to prospects, new and existing clients, and personal lines account managers. The PL Service Specialist will maintain insurance database and increase our digital presence.

Primary Job Functions may include:

Generate new sales through existing contacts, referrals, and virtual office
Answer, assist, and direct virtual office inquiries in a courteous and efficient manner
Utilize Podium platform to increase Google reviews and online presence
Remarket Personal Lines accounts when requested by PL account manager
Assist PL account manager and clients digitally and by phone
Assist PL account manager and clients in person, when necessary, in the Newland, Boone, Lenoir, and Greystone locations
Process activities in our agency management system
Attach documents in a timely manner
Keep management system current by entering documentation as it occurs
Provide outstanding, excellent customer service in-person, digitally, and on the phone
Follow Procedures Manual
Keep current on requirements for NC insurance license continuing education

Minimum Qualifications

High School diploma or equivalent
Minimum of two years personal lines insurance experience required
Active NC P&C licenses required
Strong verbal and written communication skills with attention to detail
Preferred experience in Microsoft Office
Interpersonal skills to build and maintain professional supportive relationships with customers and team members

Employees are expected to perform other duties as assigned and directed by management and adhere to all company and compliance policies and procedures. Job description and duties may be modified when deemed appropriate by management.

Collections Manager

Department: Credit
Reports To: Chief Credit Officer
Supervises: None

Job Description: The Collections Manager position is primarily responsible for performing collection services on delinquent accounts for the financial institution.

Primary Job Functions may include:

Reviews the delinquent loan status for the financial institution, contacting those delinquent account holders through telephone calls, letters, and personal visits.
Orders liquidations, foreclosures, and repossessions when necessary.
Works with Attorneys, Bankruptcy Trustees, and the Bank’s legal counsel in preparing and tracking legal documentation in cases of bankruptcy.
Works with Attorneys, Bank Trustees, Bank’s legal counsel, and Government Agencies in perfecting the Bank’s interest in foreclosures and repossessions.
Contacts customers and arranges the collection of bank collateral on loans in default.
Tracks charged-off accounts and recoveries on charged-off accounts for loans and deposit accounts.
Prints, reviews and mails the late notices and billing statements on a daily basis from the system.
Assists in preparation of the monthly-classified asset report for review by CEO.
Prepares reports on the kind and status of delinquent accounts and collection activities undertaken by the Bank to be reviewed by management.
Ensures that the collateral information from Certificate of Titles is entered on the data system and the title is filed in the loan file when it is received.
Opens and lists the daily mail, then prepares the teller tickets for the tellers to process.

Minimum Qualifications

High school diploma or equivalent.
Successful completion of in-house training or other approved training program.
Good oral, written and human relations skills.
Good attention to detail, and ability to meet deadlines and deal tactfully with customers.
Two to five years of related experience preferred.
Solid understanding of financial institution policies and procedures

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Personal Lines Account Manager

Department: Personal Lines (PL) Insurance
Reports To: Office Manager
Supervises: None

Job Description: The PL Account Manager is responsible for providing assistance to new and existing customers. In addition, the PL Account Manager will maintain basic insurance database and other office administration functions.

Primary Job Functions may include:

Opening office and handling mail.
Providing efficient, courteous customer service, in-person, digitally and on the phone.
Processing new/renewal business, reviewing for accuracy, and invoicing when applicable.
Book of business growth and retention with goals determined at annual review.
Receiving, recording payments, forwarding to correct companies, balancing cash drawer and preparing bank deposit.
Processing all activities in our agency management database system- AMS360.
Reviewing assigned client files at expiration to address coverage gaps in order to protect our clients’ assets and retain our existing business.
Generating new sales through referrals, existing customers and making new contacts.
Electronically filing documents in a timely manner and keeping files in AMS630 up to date.
Assisting Account Executive with Personal Lines Prospects as needed.
Following and being familiar with Procedures Manual.
Keeping current on requirements for NC insurance license continuing education.

Minimum Qualifications

High school diploma or equivalent.
Minimum of two years personal lines insurance experience preferred.
Active NC P&C licenses required.
Strong verbal and written communication skills with attention to detail.
Preferred experience in Microsoft Office.
Interpersonal skills to build and maintain professional supportive relationships with customers and team members.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Commercial Lines Account Manager

Department: Commercial Lines (CL) Insurance
Reports To: Office Manager
Supervises: None

Job Description:

The CL Account Manager is responsible for providing assistance to new and existing commercial insurance customers. In addition, the Account Manager will maintain client information in AMS360 insurance database and perform other office administrative functions.

Primary Job Functions may include:

Opening and preparing office for daily work, including opening and distributing mail.
Providing efficient and courteous customer service, in-person and on the phone.
Processing new/renewal business, including reviewing for accuracy, collecting email addresses and invoicing.
Corresponding with company underwriters, negotiating insurance pricing and coverage based on personal knowledge or at Producer’s request.
Receiving and recording payments, then forwarding to correct companies; balancing cash drawer and preparing bank deposit.
Processing all activities, including new claims, claim updates, endorsements, renewals & cancellations in our agency management database system- AMS360.
Processing submissions for new and remarketed business and sending appropriately to designated companies.
Reviewing assigned client files at expiration and addresses coverage gaps in order to protect our clients’ assets and retain our existing business.
Reviewing renewal lists with and providing support to the Producers, including providing renewal information to the client as needed.
Requesting and sending loss runs to designated requesters.
Completing appropriate Certificates of Insurance and Evidence of Property as needed.
Scanning and attaching non-downloading policies, emails and audits.
Filing documents in timely manner and keeps computer files up to date.
Following and being familiar with Procedures Manual and attending company meetings.
Making referrals to other LifeStore divisions through CRM.
Keeping current on requirements for NC insurance license continuing education.

Minimum Qualifications

High School diploma or equivalent.
P & C license or willingness to obtain within 90 days.
Strong verbal and written communication skills with attention to detail.
Interpersonal skills to build and maintain professional supportive relationships with customers and team members.
PC and keyboarding skills, including experience with Windows operating systems.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Commercial Insurance Account Executive

Department: Commercial Lines
Reports To: President/Insurance Division
Supervises: None

Job Description:

The Commercial Lines Account Executive is responsible for sales of property & casualty insurance through new business growth and client retention, developing marketing opportunities, prospect lists, and account rounding, as well as providing and receiving referrals from other LifeStore Departments/Divisions.

Primary Job Functions may include:

Develop and maintain sales through prospects, referrals, cross-sales and account rounding, networking opportunities, referrals, current relationships, community involvement, and special interests.
Work with General Manager to develop and implement strategies to retain existing clients.
Generate new business/renewal applications for commercial programs in a timely manner to Account Managers/Marketing Department or direct to carriers as needed.
Negotiate insurance pricing and coverage based on fact-finding and information from client/prospect.
Present well prepared and professional proposals to prospects and clients.
Consistently advise clients of product knowledge and their needs.
Establish and maintain strong relationships with prospects, clients and underwriters.
Conduct risk management surveys and determine insurance coverage needs based on sound risk management principles.
Work closely with the Account Managers team to review existing client needs and new sales opportunities to achieve premium and retention targets.
Become familiar with and utilize the LifeStore procedures manual and agency management system.
Make referrals to other LifeStore divisions through Customer Relationships Management System (CRM).
Attend product and sales training or other meetings as directed for product knowledge.
Attend continuing education as required for insurance license requirements.

Minimum Qualifications

High school diploma or equivalent.
College degree preferred.
Two+ years insurance experience desired.
Active property & casualty license required.
Business use of personal auto, acceptable driving record, and adequate auto liability insurance.
Strong verbal and written communication/negotiation and sales skills.
interpersonal skills to build and maintain professional relationships with customers and team members.
required knowledge of Micro-Soft Office products. must have ability to navigate on various carrier websites and LifeStore agency management system.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Part-Time Administrative Assistant, Elkin NC

Department: Insurance
Reports To: Branch Manager
Supervises: None

Job Description: The Insurance Administrative Assistant is responsible for providing support and assistance to all employees within the office including Producers and Account Managers. The Administrative Assistant will also perform basic office administration functions including but not limited to telephone support, greeting customers in the office and maintaining the office in a professional and presentable manner.

Primary Job Functions may include:

Opening and preparing office for daily work, including opening and distributing mail.
Providing efficient and courteous customer service, in-person and on the phone.
Providing telephone support by transferring to correct personnel, making staff aware of incoming calls and taking informative messages if personnel unavailable.
Balancing cash drawer and preparing bank deposit.
Becoming familiar with and proficient in agency management system.
Using and being familiar with Company websites.
Scanning and filing documents in a timely manner and keeping files up to date.
Assisting Account Managers and Producers as needed with new business, policy changes and renewal policies.
Preparing spreadsheets for personal and commercial lines-premium comparison charts with footnotes.
Referring clients to other LifeStore financial services using our referral system.
Following and being familiar with Procedures Manual.
Adhering to all company policies and procedures.

Minimum Qualifications

High school diploma or equivalent.
Experience in an insurance office preferred.
Strong verbal and written communication with attention to detail.
Good interpersonal skills and public relations skills.
Advanced knowledge of computer office programs.

Employees are expected to perform other duties as assigned and directed by management. Job description and duties may be modified when deemed appropriate by management.

Credit Analyst

Department: Credit / Loan Operations
Reports To: Cheif Credit Officer
Supervises: None

Job Description: The Credit Analyst is primarily responsible for assisting in the evaluation of the financial condition of individuals and businesses applying for and/or maintaining a credit relationship with the financial institution and for communicating findings to the Senior Credit Analyst, Loan Officers, CCO and CEO as necessary.

Primary Job Functions may include:

Analyzes or assists with the analysis of borrower financial data on new, renewal and existing loans. Analysis includes, but is not limited to, data provided by credit bureaus, tax returns, financial statements, other financial information, and financial institution files.
Prepares spreadsheets, reports, summaries, and opinions on new, renewal and modification of existing loans and communicates findings to officers.
Monitors and analyzes receipt of required information from lead lenders for all participation loans.
Monitors receipt of all required financial information from major borrowers and notifies loan officers of missing information.
Performs annual reviews of financial statements required from vendors as part of the bank’s vendor management program.
Prepares or assists in preparation of annual financial analysis of large credit relationships.
Monitors receipt of annual reviews of relationships between $250,000 and $500,000 that have at least $100,000 in commercial loans. Reviews for potential grade changes.
Works in conjunction with Loan Operations on the tracking and clearing of loan policy exceptions.
Assists in coordination of data collection for any independent loan reviews conducted by examiners, auditors and/or consultants.
Ensures credit documentation is properly scanned to FCM.
Provides credit support to lenders as requested.
Assists Senior Credit Analyst as requested.

Minimum Qualifications

Bachelor’s degree in finance, banking, economics, or accounting.
Good financial analytical abilities.
Good communication skills
Knowledge of Excel and Word software.
Ability to learn bank regulatory requirements, financial institution policies and procedures, prudent lending practices.

Employees are expected to perform other duties as assigned and directed by management and adhere to all company and compliance policies and procedures. Job description and duties may be modified when deemed appropriate by management.

Residential Mortgage Loan Processor I

Department: MOrtgage Operations
Reports To: SVP Loan Operations Manager
Supervises: N/A

Job Description: The Residential Mortgage Loan Processor I position is responsible for the review and processing of consumer credit requests for residential mortgage loan products originated for Bank and Investor product lines. In addition, the processor will be responsible for insuring compliance of the loan files to the Bank’s policies, procedures, investor guidelines, related laws and regulations. .

Primary Job Functions may include:

Reviewing file submissions for accuracy and completeness of applications, property and credit documentation.
Verifying all required documents are obtained for the files in accordance with internal and external loan programs.
Ordering all required verifications and following up with internal and external contacts as needed. Includes researching and problem solving to ensure compliance with internal and external loan programs and policies.
Evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value), financial documents, and other supporting documentation.
Applying strong analytical skills, including the review and understanding of tax return documents.
Reviewing supporting documentation for truthfulness and accuracy, including the application of fraud detection and prevention techniques.
Understanding the use of an automated underwriting system, risk-based assessment tools, and/or traditional processing techniques.
Contacting customers and team members to gather information to make appropriate processing decisions and/or to sell/promote line products.
Staying abreast of any changes in underwriting provisions/guidelines, changes within the line of business, bank policies, industry and current economic environments.
Providing support and assistance as required for the loan origination staff, underwriters, closers, funders, and management staff members. Performs as an active team member on all accounts.

Minimum Qualifications

High School diploma or equivalent with a preference of a 2 year college degree or equivalent.
Knowledge of residential mortgage processing and/or related industry experience preferred.
Strong problem solving, verbal and written communication skills with a high degree of attention to detail.
Ability to handle confidential material in a professional, highly ethical manner.
Strong time management and organization skills to effectively prioritize multiple objectives and achieve volume goals.
Ability to clearly explain and document rationale for credit decisions.
Must be adaptable, flexible and able to work independently in a production oriented environment.
Interpersonal skills to build and maintain professional supportive relationships with customers and team members.
Intermediate PC and keyboarding skills, including experience with Windows operating systems, AUS investor systems, Encompass Broker/Banker and similar computer operations preferred.

Employees are expected to perform other duties as assigned and directed by management and adhere to all company and compliance policies and procedures. Job description and duties may be modified when deemed appropriate by management.

LifeStore Bank Openings

LifeStore Insurance Openings