Small Business Specialist

First Citizens Bank•Knoxville, TN

About The Position

At First Citizens Bank, the Business Services Representative provides cash management solutions to commercial and business banking relationships and delivers business deposit products and related services to clients. The role partners with Business and Commercial Bankers as a subject matter expert in business deposits and related services, while also sourcing new business opportunities. The position involves sales and relationship development, customer service, and compliance with operational and regulatory requirements.

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; frequent driving to other offices and bank customers is required, 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 goals.
Proactively engage customers, prospects, and referral sources to generate business and identify customer needs.
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 customers and the Bank, with appropriate partnership, planning, and preparation to provide relevant financial guidance.
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 take prompt action to address 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 and perform assigned general office management duties.
Ensure accuracy and operational efficiency when taking deposits; accountability may include individual and team performance.