Relationship Advisor II

First Citizens; Charlotte (NC); Hybrid; USD 60,000 - 90,000; Full time

Benefits offered by this job

Benefits program

Job summary

First Citizens in Charlotte is seeking a Relationship Advisor to manage a Commercial Banking client portfolio. You will lead onboarding with the Relationship Manager and Product Advisor to identify deposit and cash management needs, ensuring complete documentation and KYC where required.

You will also handle client servicing, resolve inquiries, advise on risk mitigation and fraud controls, and work with the team to drive client success and expanded relationships.

Qualifications

• Bachelor’s degree with 1 year of banking/financial services industry or customer service experience.
• Alternative: High School/GED with 5 years of experience in banking/customer service.
• Strong communication and relationship-building skills.

Responsibilities

• Lead onboarding for new commercial clients, coordinating with Relationship Manager and Product Advisor to assess needs.
• Manage client servicing and timely resolution of inquiries, escalating when needed.
• Provide risk guidance on AML/KYC requirements and fraud controls; ensure compliance reviews.
• Support client success through proactive outreach and cross-sell opportunities with the team.

Skills

Cross-functional collaboration

Communication

Critical thinking

Relationship building

Time management

Education

Bachelor’s Degree in Banking/Finance

High School Diploma + 5 years experience

Job description

Overview

This is a hybrid role, with the expectation that time working will regularly take place inside and outside of our Charlotte office

Together, Silicon Valley Bank and First Citizens offer you the strength and stability of a diversified financial institution with a 125-year tradition of service and the personalized approach of a nimble financial partner.

First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services including a network of more than 550 branches in 23 states and commercial banking expertise delivering best‑class lending, leasing and other financial services coast to coast. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $200 billion in assets.

Responsibilities & Qualifications

The Relationship Advisor “RA” manages a portfolio of Commercial Banking Clients and is responsible for client onboarding, client servicing and proactive client solutioning. A key member of the client’s relationship team, the RA serves as the client’s dedicated point of contact for deposit and cash management banking needs.

New Client Onboarding

• Leads client’s onboarding journey, collaborating with client’s Relationship Manager and Product Advisor to understand client’s strategy and short – and long-term financial needs.
• Conducts onboarding activities to include:
• Leads client discussions to identify deposit and cash management needs.
• Performs product demos independently.
• Sets expectations on data and documentation requirements to open new services, inclusive of product documentation and KYC requirements.
• Gathers and validates all relevant legal documentation to adhere to KYC based on client’s legal entity type.
• Coordinates hands offs to centralized support teams for fulfillment of client product needs, while keeping client apprised to implementation status.
• Post onboarding, proactively engages client to review services and ensure client understanding and utilization.
• May assist more junior RAs with client onboarding.

Client Servicing

• Acknowledges and orchestrates fast resolution of in-bound service inquiries.
• Transitions service tasks to appropriate support teams for management and resolution, while keeping client apprised to resolution.
• Researches and resolves complex client inquiries; ensure resolutions of solution solves client’s need and / or issue.
• Leverages client’s service need as an opportunity to identify broader solutions to support client needs.
• Takes initiative to resolve complex client inquiries before escalating to Manager.

Risk Advice

• Advises clients on risk mitigation strategies to combat money laundering and fraud.
• Manages internal Know Your Client “KYC” for new client onboardings, articulating BSA / AML requirements to client based on legal entity type; supports clients in triaging additional information needed to satisfy regulatory requirements.
• Leads client discussions focused on fraud mitigation strategies, inclusive of recommending account, digital banking, and fraud solution controls.
• Collaborates with Relationship Manager and operational partners to triage KYC, Sanction and High Risk Industry and Fraud alerts.

Client Success

• Collaborates with client’s Relationship Manager and Product Advisor teams to remain apprised to short – and long – term client strategy; advises relationship team on client’s service themes and trends.
• Proactively identifies opportunities to support client need based on client industry and life stage, conducting proactive client touchpoints to strengthen client relationships.
• Performs client account reviews and facilitates product discussions to support client short – and long – term financial needs.
• Positions solutions within knowledge set, from qualify to close, for select deposit and cash management services.

Position Specific Skills

• Cross functional collaboration
• Communication (written and verbal)
• Critical thinking skills
• Builds productive relationships
• Bachelor’s Degree with 1 year of experience in banking/financial services industry or customer service experience OR High School/GED with 5 year of experience

Preferred

• Retail branch banking experience
• Strong experience building client relationships
• Demonstrated organizational skills
• Able to prioritize tasks with effective time management in a fast-paced environment
• Strong written and verbal communication skills
• Able to work in a team environment and comfortable working independently

#LI-Hybrid

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.