Small Business Specialist

First Citizens Bank; San Jose (CA); On-site; USD 80,000 - 95,000; Full time

Job summary

First Citizens Bank is seeking a Business Services Representative to deliver cash management solutions to commercial banking relationships in the San Jose area. This role focuses on business deposits, services, and advising clients with financial guidance to drive informed decisions.

The position emphasizes building partnerships with bankers, proactive outreach to customers and referrals, and adherence to regulations while achieving growth targets. Strong communication is essential for success.

Qualifications

• Bachelor's degree with 2+ years in Sales or financial services OR High School Diploma with 6+ years in Sales or financial services.
• Valid driver's license required; frequent travel to other offices/customers.

Responsibilities

• Sell and achieve financial, production and relationship goals aligned with metrics.
• Engage customers, prospects and referrals through proactive outreach.
• Represent the Bank at community events to develop business and CRA opportunities.
• Partner with bankers to deliver value through appropriate sales practices.
• Plan and prepare to ensure conversations provide relevant financial guidance.
• Foster partnerships that deliver value to customers, prospects and colleagues.
• Uncover sales or referral opportunities through proactive conversations.
• Listen, ask questions, and address customer needs promptly.
• Leverage coaching and tools to improve performance and support initiatives.
• Adhere to regulations and bank policies; maintain operational efficiency.
• Complete training on schedule; manage deposits and related operations accurately.

Skills

Structured sales process

Financial guidance

Financial literacy

Retail and wealth solutions

Business deposits

Cash management solutions

Business development

Networking

Centers of influence

Education

Bachelor's Degree

High School Diploma or GED

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.

Qualifications:
Bachelor's Degree and 2 years of experience in Sales or financial services sales OR High School Diploma or GED and 6 years of experience in Sales or financial services sales

Preferred Area of Experience: Business development, business banking, lending, merchant services, treasury management, small business banking

License or Certification Type: Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided.

RequiredSkill(s): 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.

Additional Information

$The base pay for this position is generally between $80,000- $95,000 per year. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

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.