What are the responsibilities and job description for the Treasury Management Officer position at The Cape Cod Five Cents Savings Bank?
SUMMARY:
The candidate will assist in sales, implementation and service of the Bank’s Treasury Management product and service line to new and prospective clients Provides superior customer service to clients, prospects and internal partners. Participates with commercial lenders and banking center staff to develop new business for the Bank’s Treasury Management services and assist clients. Evaluates current and prospective clients accounts to ensure needs are properly addressed, and account structures are suited to the clients. Also provides support to the Government Banking department.
ESSENTIAL JOB FUNCTIONS & RESPONSIBILITIES:
Account Management
- Sells and services all aspects of business clients accounts and related Treasury Management services. Reviews checking account needs and matches appropriate products. Customizes accounts when appropriate. Aggregates business customer accounts to ensure they have the appropriate products and services. Maximizes Treasury Management options based on customers’ unique needs.
- Reviews client fees to determine the most appropriate fee structure and analyzes customer profitability.
Business Development
- Makes calls on current and prospective clients.
- Accompanies commercial lenders and banking center managers on business calls.
- Analyzes relationships to determine which customers may benefit from products, and identify cross selling and expansion of services opportunities.
- Works with Banking Center staff to develop cross-selling techniques. Train staff on identifying potential referrals.
- Assists Government Banking in their sales process. Match customer needs to system capability with product offerings.
- As part of the role of Bank officer, promotes the Bank’s products and services in daily interaction with others.
- As opportunities arise, promote additional products and services to existing or prospective clients.
- Actively participates in community and professional organizations.
Customer Service
- Provides on-going support and follow-up to make sure systems are working properly.
- Provides direction on the business internet-banking product in areas such as password issues, pricing issues, functionality questions, customization situations, issue resolution, and managing crises.
- Responds to client inquiries about business cash management services.
Operations Management
- Has full working knowledge of system capabilities and process steps.
- Remains up to date on all regulations and laws, documentation requirements, policies and procedures related to treasury management.
- Remains current on new and upcoming technology that may benefit the Bank.
- Complies with applicable laws, regulations, policies and procedures.
- Stays updated to date on compliance developments related to treasury management.
- May participate on various committees on behalf of the department and provides input and advice on business issues.
- Provides support necessary to promote and support the acquisition of new applicants and customers at the Bank.
EDUCATION & CERTIFICATIONS:
- Bachelor’s degree or equivalent
- Holds at least one of the following certifications:
- Accredited ACH Professional (AAP)
- Accredited Payments Risk Professional (APRP)
- Certified Treasury Professional (CTP)
KNOWLEDGE, SKILLS & ABILITIES:
- Specialized knowledge of treasury management and business banking
- Knowledge of merchant services a plus
- At least five years of business development and relationship building experience working with all size businesses
- At least five years of experience in banking, preferably in treasury management, retail banking and/or lending
- Strong networking, influencing and business development skills
- Practical business knowledge – ability to understand and prioritize business issues
- Well-developed analytical, organizational, decision-making skills, and critical thinking skills
- Strong computer and technology skills
- Cyber security awareness
- Technology Savviness/Digital Enthusiast
- Strong written and oral communication skills
COMPETENCIES:
- Financial Savviness
- Problem Solving Abilities
- Courage
- Adaptability and Flexibility
- Nimble and Agile Learner
PHYSICAL DEMANDS:
Normal Physical Capabilities: Incumbents must be able to perform the following activities frequently or continuously throughout the workday as appropriate to the position: travel throughout the Bank’s primary and secondary market areas, bend, carry (one and two hands), collate papers, dial a phone, file records, hear at normal speaking levels, hold items with hands, lift up to 25 lbs., move throughout building, operate office equipment (fax, copier, phone, computer, etc.), computer input for extended periods of time, read English, see well enough to scan documents with detail, sit for up to two hours at a time, stand for short periods of time, speak on the telephone and in person, write with hand, and work at the Bank’s facilities.
- Reasonable accommodation may be available for qualified individuals with disabilities
WORKING CONDITIONS:
Internal - work is normally performed in climate controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is very limited. Noise level is moderate and includes sounds of normal office equipment (computers, telephones, etc). No known environmental hazards are encountered in normal performance of duties. Length of day is unpredictable; long hours may be required to accommodate deadlines or special meetings.
External - Some travel to remote Bank locations will be required; this will include some overnight travel, not to exceed 5%. Environmental conditions are regular office and banking center locations of the Bank.
Education
Preferred- Bachelors or better
Licenses & Certifications
Required- Accredited ACH Professl
- Acred Payments Risk Prof
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
