Business Services Representative Target

First Citizens Bank; Maplewood (MO); On-site; USD 42,000 - 60,000; Full time

Job summary

First Citizens Bank is hiring a Business Services Representative to deliver cash management solutions and business deposit services to commercial clients. You will collaborate with bankers, identify opportunities, and drive community-based growth.

The role emphasizes structured sales, financial guidance, and relationship-building to support the bank's growth, while complying with regulations and delivering excellent service.

Qualifications

• Minimum education: Bachelor's degree with 2+ years in sales or finance, or 6+ years with HS/GED.
• Experience in business banking, lending or treasury management preferred.
• Must have a valid driver's license and be willing to travel to client offices.

Responsibilities

• Sales: achieve individual or team targets, align with community needs and CRA opportunities.
• Service: foster partnerships, uncover referrals, provide financial guidance to customers.
• Operations: adhere to bank policies, manage risk, complete required training and duties.

Skills

Structured sales process

Financial guidance

Financial literacy

Wealth solutions

Cash management

Business development

Networking

Education

Bachelor's + 2 years sales

High school diploma + 6 years sales

Job description

Overview

At First Citizens Bank, together we become better. We're looking for people who want more than just a job - who want to make a difference in the communities where we live and work.The Business Services Representative is responsible for providing cash management solutions to commercial and business banking relationships. This role delivers a full range of business deposits and related services to clients. The BSR partners with Business and Commercial Bankers as a subject matter expert in business deposits and related business services and self-sources new business opportunities.

Responsibilities & Qualifications

Duties & Responsibilities:
Sales - Achieve individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. Sales results should align with the needs of the community and ultimately support the organizational commitment to diverse lending. Engage with customers, prospects and referral sources through proactive outreach. When appropriate, represents the Bank in the community by attending and participating in civic and community events for the purpose of generating additional business and identifying potential CRA opportunities for the Bank. Engage in sales practices that are aligned to create value for both the customer and the bank. Appropriate partnering, planning and preparation occurs to ensure conversations provide the relevant financial guidance needed to drive informed decisions.

Service Standards - Foster collaborative partnerships that deliver value for customers, prospects and colleagues. Initiate conversation to uncover sales or referral opportunities. Listen attentively and ask insightful questions to understand customer needs and preferences; and take prompt actions to address immediate needs. Proactively look for way to optimize performance by seeking coaching, supporting Bank initiatives and leveraging tools to enhance activities.

Operations and Administration - Comply with all regulations, bank policies, procedures and delegated authorities to manage risk related to credit, operational, reputational, regulatory and legal aspects of personal interactions, customer transactions and financial exposures. Complete required training by established deadlines. Perform general office management duties as assigned to ensure operational efficiency. Associates in roles defined to take deposits are accountable for transaction accuracy and operational efficiency of that function. The results may include an accountability for individual contribution as well as team performance.

Position Specific Skills

• Application of a structured sales process
• Providing financial guidance and expertise
• Financial literacy
• Knowledge retail and wealth solutions referred
• Knowledge of business deposit and cash management solutions
• Business development
• Networking and building centers of influence

Qualifications

Minimum Required Education and Experience: Bachelor's Degree and 2 years' experience OR High School Diploma or GED/Equivalent and 6 years' experience in Sales or financial services sales

Preferred Area of Experience:Business development, business banking, lending, merchant services, treasury management
Required Licenses or Certifications: Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided

Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.