Small Business Specialist

First Citizens Bank • Walnut Creek, CA

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 full range of business deposit and related services. The role partners with Business and Commercial Bankers as a subject matter expert in business deposits and related business services, while also self-sourcing new business opportunities.

The position is responsible for sales results, customer service, and operational and administrative duties. It requires proactive engagement with customers, prospects, and referral sources; offering relevant financial guidance; building collaborative relationships; and complying with applicable regulations, bank policies, procedures, and delegated authorities. The role 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. 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 to which customers may be referred.
• 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 individual and/or team financial, production, and relationship results against assigned metrics and goals, aligned with community needs and the organization’s commitment to diverse lending.
• Conduct proactive outreach to customers, prospects, and referral sources to generate business and identify opportunities.
• Represent the Bank at civic and community events when appropriate, generating business and identifying potential CRA opportunities.
• Use sales practices that create value for customers and the Bank; partner, plan, and prepare to provide relevant financial guidance that supports informed decisions.
• Build collaborative partnerships that deliver value to customers, prospects, and colleagues.
• Initiate conversations to uncover sales or referral opportunities; listen to customers, ask questions to understand their needs, and promptly address immediate needs.
• Improve performance by seeking coaching, supporting Bank initiatives, and using tools to enhance activities.
• 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 general office management duties as assigned to support operational efficiency.
• Ensure transaction accuracy and operational efficiency when responsible for taking deposits; contribute to individual and team performance.

Benefits

• The benefits program is described as competitive and designed to meet associates’ needs; further information is available on the company benefits website.
• Total compensation for some roles may include variable incentives, bonuses, benefits, and/or other awards.

What This Job Offers

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