Small Business Specialist (New Business Development)

First Citizens Bank • Cambridge, MA

2d

About The Position

At First Citizens Bank, the Business Services Representative provides cash management solutions to commercial and business banking relationships and delivers a range of business deposits and related services. The role partners with Business and Commercial Bankers as a subject matter expert in business deposits and related business services, while self-sourcing new business opportunities.

The position is responsible for achieving assigned sales, production, financial, and relationship goals; engaging customers, prospects, and referral sources through proactive outreach; and representing the Bank at civic and community events when appropriate. It also supports customer needs through attentive service, informed financial guidance, and referrals. The role follows applicable regulations, policies, procedures, and delegated authorities, completes required training, and performs assigned office-management duties. Associates who take deposits are accountable for accurate transactions and operational efficiency.

The position requires frequent driving to other offices and customer locations. A bank car is not provided.

Requirements

• Bachelor's degree and 2 years of experience in sales or financial-services sales, or a high school diploma or GED and 6 years of experience in sales or financial-services sales.
• Valid driver's license; the position requires frequent driving to other offices and bank customers, and a bank car is not provided.
• Ability to apply a structured sales process.
• Ability to 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.

Nice To Haves

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

Responsibilities

• Achieve assigned individual and/or team financial, production, and relationship results.
• Conduct proactive outreach to customers, prospects, and referral sources to generate business.
• Represent the Bank at civic and community events when appropriate, generating business and identifying potential CRA opportunities.
• Use sales practices that create value for both customers and the Bank, with appropriate partnering, planning, and preparation to provide relevant financial guidance.
• Build collaborative partnerships that deliver value to customers, prospects, and colleagues.
• Initiate conversations to uncover sales and referral opportunities; listen to customers, ask questions to understand their needs, and promptly address immediate needs.
• Seek coaching, support Bank initiatives, and use 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.
• Perform assigned general office-management duties to support operational efficiency.
• Maintain transaction accuracy and operational efficiency when taking deposits, with accountability for individual and team performance as applicable.

Benefits

• A competitive, thoughtfully designed benefits program intended to meet associates' needs; further details are available on the company's benefits website.
• Total compensation for some roles may include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

What This Job Offers

• Job Type: Full-time