Commercial Services Officer

United Bank•Charleston, SC

About The Position

The Commercial Services Officer promotes, solicits, and provides treasury management products and services to commercial and small business customers and prospective clients. The role grows business with existing customers and prospects through external sales and marketing efforts, with responsibility for achieving annual sales and scorecard objectives. The officer develops customer relationships, assesses business cash flow and treasury needs, proposes tailored solutions, and supports customer onboarding and implementation. The position works with commercial and branch staff and other lines of business to grow core deposits and non-interest income, support customers’ use of banking services, and advance Treasury Management Department goals. It also represents the bank at community and networking events and responds to banking-services requests for proposals.

Requirements

High school diploma required.
At least six years of banking experience required, preferably in Treasury Management or Retail.
Strong customer-contact skills.
Proficiency in Microsoft Office products.
Ability to learn and understand the bank’s product and service lines and stay current on them.
Strong verbal and written communication skills.
Excellent presentation and problem-solving skills.
Excellent listening skills.
Ability to work independently and in a team environment.
Ability to travel up to 50% within the assigned region or state.
Ability to sit and stand for extended periods.
Ability to efficiently operate a computer keyboard, mouse, and other computer components.
Ability to converse and exchange information with staff at all levels of the organization.
Ability to observe, perceive, identify, and translate data.
Ability to travel by air, rail, automobile, and/or bus.

Nice To Haves

Bachelor’s degree highly desired.
Prior experience in a business development role is a plus.

Responsibilities

Contact existing and prospective commercial customers to develop business, expand relationships, maintain positive customer relations, and ensure proper account servicing.
Build and maintain profitable deposit relationships, including consulting at customers’ places of business to understand their practices and banking, cash-flow, and treasury goals.
Identify treasury management needs, develop and propose suitable solutions, and facilitate onboarding and implementation.
Work with commercial and branch staff to build awareness of United Bank Treasury and Purchasing Card capabilities.
Train customers to use internet banking and related modules, including on-site installation of remote deposit when needed.
Coordinate with all lines of business to grow non-interest income and core deposits from existing and prospective commercial customers.
Develop and execute sales strategies and calling plans, generate leads, and follow up on referrals.
Analyze businesses’ cash flow, deposit relationships, and treasury needs; prepare customized proposals and meet with businesses to consult and present proposals.
Support the Treasury Management Department’s mission and objectives, including individual and department sales and scorecard goals.
Maintain product knowledge and procedural expertise to maximize sales effectiveness and assist commercial customers with inquiries and requests.
Represent the bank at civic and community events and maintain contact with centers of influence to expand the business referral network.
Cross-sell bank products and services and refer clients to other areas of the bank when appropriate.
Respond to banking-services requests for proposals (RFPs).