Business Banking Specialist

Citizens & Northern Bank Inc.; Northern (KY); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Paid Time Off

Retirement Savings

Health, Dental, and Vision Coverage

HSA and FSAs

Employer-paid life and disability

Career Development

ESOP

Job summary

Citizens & Northern Bank Inc. is seeking a Business Banking Specialist to develop new business relationships and deliver Treasury Management products to local businesses in Northern Kentucky.

You will understand client needs and propose tailored financial solutions while serving as a trusted advisor for treasury services. Join a team that values teamwork, excellence, and customer focus, with opportunities to collaborate with lenders and relationship managers to deliver comprehensive banking

Qualifications

• Associate's Degree in a related field and 2-4 years of banking, business development, sales, or Treasury Management experience or equivalent.
• Proven track record in business development, relationship building, and Treasury Management knowledge.
• Strong communication, critical thinking, problem solving, and customer service skills.
• Organizational and time management skills with technical proficiency.

Responsibilities

• Business Development: Develop new business relationships by identifying prospects, cultivating referral sources, and expanding C&N's Treasury Management and business banking services.
• Client Relationship Management: Build and maintain strong relationships with business clients by understanding their financial needs, providing ongoing support, and delivering exceptional customer service.
• Treasury Management Solutions: Recommend, implement, and support Treasury Management products and services, including digital banking, Remote Deposit Capture, Positive Pay, Merchant Services, Lockbox, and business credit cards.
• Collaboration & Business Partnerships: Partner with Commercial Lenders, Relationship Managers, branch teammates, and other business partners to deliver comprehensive financial solutions and identify cross-sell opportunities.
• Documentation & Compliance: Prepare and review account documentation, complete required disclosures, ensure regulatory compliance, and maintain accurate client records.

Skills

Business Development

Relationship Building

Treasury Management Knowledge

Strong Communication

Critical Thinking

Problem Solving

Customer Service

Organization & Time Management

Technical Proficiency

Education

Associate's Degree in a related field

Job description

For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily.

From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long-term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need.

At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated.

Who are you?

You’re a relationship-driven professional who enjoys helping businesses find solutions that make managing their finances easier. At C&N, we’re seeking a Business Banking Specialist to develop new business relationships while delivering Treasury Management products and services that help businesses operate more efficiently.

In this role, you’ll work directly with business clients to understand their needs, recommend tailored financial solutions, and serve as a trusted advisor for Treasury Management services. If you enjoy networking, building relationships, and helping local businesses succeed, this could be the perfect opportunity for you.

You will be responsible for:

• Business Development: Develop new business relationships by identifying prospects, cultivating referral sources, and expanding C&N's Treasury Management and business banking services.
• Client Relationship Management: Build and maintain strong relationships with business clients by understanding their financial needs, providing ongoing support, and delivering exceptional customer service.
• Treasury Management Solutions: Recommend, implement, and support Treasury Management products and services, including digital banking, Remote Deposit Capture, Positive Pay, Merchant Services, Lockbox, and business credit cards.
• Collaboration & Business Partnerships: Partner with Commercial Lenders, Relationship Managers, branch teammates, and other business partners to deliver comprehensive financial solutions and identify cross-sell opportunities.
• Documentation & Compliance: Prepare and review account documentation, complete required disclosures, ensure regulatory compliance, and maintain accurate client records.

Requirements:

Education & Experience –

You will need an Associate's Degree in a related field and one 2-4 years of related banking, business development, sales, or Treasury Management experience OR an equivalent combination of education and experience.

Skills –

You should possess well-developed abilities and a proven track record in the following areas:

• Business Development
• Relationship Building
• Treasury Management Knowledge
• Strong Communication
• Critical Thinking
• Problem Solving
• Customer Service
• Organization & Time Management
• Technical Proficiency

Key Competencies –

• Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
• Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.
• Business Insight: Understands business operations, market trends, and applies knowledge to drive results.
• Customer Focus: Delivers tailored solutions, exceeds expectations, and builds strong customer relationships.
• Ensures Accountability: Takes ownership, follows through on commitments, and holds self and others responsible for results.

Why C&N?

At C&N, we’re more than just a team – we’re a community working together toward a shared mission: the success of our customers, teammates, shareholders, and communities.

• Achieve & Grow: Your success is our success. At C&N, you’ll grow alongside our customers as we work together to achieve meaningful goals.
• Learn & Develop: Collaboration is at the heart of what we do. You’ll learn from and with your teammates, fostering both personal and professional growth.
• Contribute & Be Rewarded: Your contributions make a difference, and we recognize your impact through competitive rewards and career advancement opportunities.
• Share & Celebrate: Together, we give back and celebrate the milestones that matter to our communities.

We’re proud of our award-winning workplace culture, recognized repeatedly with the NBRI Circle of Excellence Award. At C&N, we live our values every day, creating a supportive, inclusive, and dynamic environment where you can thrive.

At C&N, we offer more than just a competitive salary – our robust benefits package is designed to support your well-being, career growth, and work-life balance. Highlights include:

• Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave.
• Retirement Savings: 401(k) with pre‑tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
• Health, dental, and vision coverage, including employer‑paid premium options for employee‑only coverage.
• Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.
• Employer‑paid life and disability insurance.
• Additional voluntary coverages to meet your unique needs.
• Career Development: Access to education and development programs and ongoing support for personal and professional growth.

With C&N, you can customize your benefits to fit your life while growing your career in a supportive and rewarding environment.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.