Commercial Services Officer II

Job Description

JOB SUMMARY: 

The Commercial Services Officer promotes, solicits, and provides treasury management products and services to commercial and small business customers and prospective clients.  Is responsible for growing business with existing customers and prospects directly via external sales and marketing efforts in order to achieve annual sales and scorecard objectives. Scorecard goals include both commercial deposit growth and non-interest income from the sales of Treasury Management Product and Services. CSO’s are expected to be relationship managers in addition to being the SMEs providing solutions to the Bank’s commercial clients.

Designation between CSO levels I and II will be differentiated upon based on years of experience, portfolio size, and overall market potential per management’s discretion. Level II CSO’s areas of responsibility tend to be larger and/or more complex, and they are considered a subject matter expert. They are located within the highest potential and/or highest net worth markets at the organization, which may be reflected in annually set production goals.

RESPONSIBILITIES:

•    Outreach to existing and prospective commercial customers to develop new business, expand existing relationships, maintain positive customer relations, and ensure proper servicing of accounts
•    Build, develop, and maintain profitable deposit relationships with new and existing customers which includes consulting at customer place of business in order to understand their business practices and discuss their goals and objectives related to banking, cash flow, and treasury services
•    Identify treasury management product and service needs, develop and propose solutions to commercial customers that best meet their needs, and facilitate on-boarding and implementation
•    Work closely with commercial and branch staff building awareness of United Bank Treasury and Purchasing Card capabilities
•    Conduct training for customers utilizing internet banking and related modules, including on-site installation of remote deposit, as needed
•    Interface with all lines of business, in order to grow both non-interest income and core deposits from both existing and prospective commercial customers. 
•    Sales effort includes developing and executing an effective sales strategy, implementing a formalized calling plan, generating leads, and following up on referrals.  
•    Analyze businesses’ cash flow, deposit relationships and treasury needs to develop a custom treasury management services proposal for the customer/prospect and will regularly meet with businesses for consultation and presentation of proposals.
•    Overall support Treasury Management Department’s mission and objectives, particularly as they relate to achieving individual and department sales and scorecard goals
•    Maintain a high level of product knowledge and procedural expertise of Treasury Management’s product line to maximize sales effectiveness and to assist commercial customers with product inquiries and requests;
•    Represent the bank and actively participate in various civic and community events that offer networking and promotional opportunities.  Maintain regular contact with centers-of-influence to develop and expand business referral network
•    Cross-sell other bank products and services and capitalize on opportunities to expand business, referring clients to other areas of the bank for additional needs where appropriate.
•    Respond to banking services Requests for Proposal (RFPs)

Qualifications

SKILLS/QUALIFICATIONS:

•    High School diploma required; Bachelor’s degree highly desired
•    Minimum of eight (8) years of working banking experience required; direct experience in Treasury Management is also required.
•    Customer contact skills are essential
•    Prior experience in a business development role is a plus
•    Proficiency in Microsoft Office Products required
•    Demonstrated ability to learn and understand the various product lines and services offered by the Bank and to continue to stay current on all products and services
•    Strong verbal and written communication skills
•    Excellent presentation and problem solving
•    Demonstrated excellent listening skills
•    Ability to work independently and in a team environment
•    Ability to travel up to 50% within assigned region/state.

KEY COMPETENCIES:

•    Business Development
•    Relationship Management 
•    Must be a self-starter
•    Problem solving skills 

Essential Functions: 
•    Sitting and standing for extended period of times as required to 
•    Ability to efficiently operate a computer keyboard, mouse, and other computer components.
•    Abili