Small Business Specialist

First Citizens Bank•Sacramento, CA

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 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 outreach; identifying sales and referral opportunities; and representing the Bank at community events when appropriate. It also provides financial guidance to support informed customer decisions and complies with applicable regulations, bank policies, procedures, and delegated authorities to manage risk. General office management and, where applicable, deposit transaction accuracy and efficiency are also part of the role.

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 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, networking, and building 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 to generate business and identify potential CRA opportunities.
Use sales practices that create value for both customers and the Bank, with appropriate partnering, planning, and preparation.
Build collaborative relationships with customers, prospects, and colleagues.
Uncover sales and referral opportunities by initiating conversations, listening to customers, and asking questions to understand their needs.
Take prompt action to address customers’ immediate needs.
Seek coaching, support Bank initiatives, and use available tools to improve 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.
Maintain transaction accuracy and operational efficiency for deposit-taking responsibilities, where applicable.