Business Services Representative (Small Business Specialist)

First Citizens Bank • West Lake Hills, TX

11h

About The Position

At First Citizens Bank, the Business Services Representative (Small Business Specialist) provides cash management solutions to commercial and business banking relationships, delivering business deposit products and related services. The representative partners with Business and Commercial Bankers as a subject matter expert in business deposits and related business services, and self-sources new business opportunities.

The role involves meeting assigned sales, production, financial, and relationship goals; proactively engaging customers, prospects, and referral sources; and representing the Bank at community events when appropriate. The representative builds collaborative relationships, uncovers customer needs and referral opportunities, provides relevant financial guidance, and takes prompt action to address customer needs. The role also follows applicable regulations, policies, procedures, and delegated authorities, completes required training, and performs assigned office-management duties. Where the role includes taking deposits, the representative is accountable for transaction accuracy and operational efficiency.

Requirements

• Bachelor's degree and 2 years of experience, or a high school diploma/GED or equivalent and 6 years of experience in sales or financial-services sales.
• Ability to apply a structured sales process and provide financial guidance and expertise.
• Financial literacy.
• Knowledge of retail and wealth solutions for referral.
• Knowledge of business deposit and cash management solutions.
• Business development skills.
• Networking skills and ability to build centers of influence.
• Valid driver's license; frequent driving to other offices and bank customers is required, and a Bank car is not provided.

Nice To Haves

• Experience in business development, business banking, lending, merchant services, or treasury management.

Responsibilities

• Achieve individual and/or team financial, production, and relationship results against assigned metrics and goals.
• Engage customers, prospects, and referral sources through proactive outreach and self-source new business opportunities.
• Represent the Bank at civic and community events when appropriate to generate business and identify potential CRA opportunities.
• Use appropriate partnering, planning, and preparation to provide relevant financial guidance and support informed customer decisions.
• Build collaborative partnerships with customers, prospects, and colleagues.
• Listen to customers, ask questions to understand their needs and preferences, identify sales or referral opportunities, and promptly address immediate needs.
• Seek coaching, support Bank initiatives, and use available tools to optimize performance.
• Comply with regulations, Bank policies, procedures, and delegated authorities to manage credit, operational, reputational, regulatory, and legal risks.
• Complete required training by established deadlines and perform assigned general office-management duties.
• Maintain transaction accuracy and operational efficiency when responsible for taking deposits.

Benefits

• First Citizens Bank offers a competitive benefits program as part of its total rewards; benefit details are available through the company benefits page.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level