JOB TITLE: Treasury Management Officer (TMO)
REPORTS TO: EVP, Chief Innovation Officer
CLASSIFICATION: Exempt
LOCATION: Phoenix, Arizona HQ Office
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SUMMARY:
You are a hunter and viewed by others as competitive and successful. You own it, are accountable and likely are a top performing Business Development Officer in deposits and Treasury Management services at a financial institution. You are eager for an opportunity to pursue personal and professional growth, are interested in exploring a change and not intimidated with the challenge of hard work. You have a passion for helping businesses grow and are comfortable connecting with their successful owners. Ethics, integrity, building trust, delivering on your promises, and achieving favorable outcomes for your clients is of paramount importance to you.
You are intrigued to learn about the proprietary Integro360 services and the Integro Bank CEO Club - which we invented and provide for free to business owners. You appreciate the proven effectiveness these services have in providing you with a competitive edge not offered by any other bank. As a top performer, you are pleased to learn that Integro Bank is now among all Arizona based banks - Ranked #1 in Revenue growth and Ranked #1 in loan Growth, which grew 468% and 625% respectively last year.
We are seeking talented individuals who thrive in environments where the organization is positioned to remain #1 in growth as a result of its innovation, unique consultative solutions and a favorable work culture valued both by employees and clients.
This position has overall responsibility for sales development to acquire new business clients with a focus on depository and treasury management solutions. TMO’s are responsible for acquiring fee income and deposits via strategic alliances, prospecting, networking, cold calling and relationship building to help businesses optimize their working capital with end-to-end treasury management and digital solutions.
If this sounds like you, please keep reading and we encourage you to apply.
RESPONSIBILITIES:
The Treasury Management Officer (TMO) is responsible for identifying, analyzing, selling and supporting treasury/cash management products and services to business clients and targeted prospective candidates while meeting call, deposits and revenue goals. This position plays a critical role in promoting treasury/cash management products and services, both internally and externally. Works independently and collaboratively with client success teams and lending teams to serve client needs. Works to customize client offerings with innovative treasury management solutions and enhancing the bank’s relationship with the client. Develops various “referral” partners in offering services where we have established referral relationships. The TMO is also responsible for acquiring and building fee income and deposits via strategic alliance and relationship building, effective consultation and product innovation.
· Responsible for winning new business, non-profit and personal client relationships to drive substantial new core deposits, with a focus on fee revenue from treasury management solutions.
· Exercises judgement and discretion and is responsible for acquiring and building fee income and deposits via strategic alliances, cold calling, prospecting, networking, and relationship building, effective consultation and solutions to help our business optimize their working capital with end-to-end treasury management and digital solutions.
· Responsible to drive top financial performance, exercises judgement and discretion when rendering client consultancy to ensure the Bank meets service levels and organizational goals while meeting compliance and regulatory requirements. Additional responsibilities include ensuring the consistent delivery of outstanding service in line with client, internal and strategic partner expectations.
· Manages effective network of internal and external relationships, such as community or industry relationships, to actively acquire new clients and/or expand existing clients to meet annual performance goals.
· Collaborate and work closely with the Lending team and other functional areas.
· Leverages reporting and sales tools to proactively identify and successfully identify and convert sales opportunities.
· Exercises judgement and discretion to lead, build and support sales campaigns to drive fee income and deposit revenue. Partners with key stakeholders including sales, marketing, digital channel delivery, and other internal service partners to execute Treasury Management outreach campaigns.
· Focuses on client opportunities by exercising judgement and discretion in providing ideas and insights based on an understanding of the business client's needs and their financial well-being. Focuses on increasing client engagement and loyalty.
· Drives business, financial and customer experience results of new and existing products and recommends modifications in product features and/or marketing to improve results.
· Support clients by exercising judgement and discretion in resolving or escalating service issues.
· Provide best practices and guidance with treasury management, solution based offerings, deposit, and onboarding process.
· Collaborate with the bank’s client success team and operations to ensure fulfillment, onboarding, training, and billing are client centric with a streamlined approach.
· Participate in community and business functions/groups to provide a positive image for the bank within the marketplace.
· Must be viewed as a Subject Matter Expert (SME) regarding Treasury Management.
QUALIFICATIONS:
Knowledge, Skills & Abilities
· Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
- Prospecting – Knowledge of prospecting principles, processes, and skills; ability to identify and engage potential customers in the market. Build relationships and create opportunities. Plan, strategize and target the right industries. Create value propositions with impact.
· Selling – Applies knowledge of banking products and services to meet customer needs and enable them to achieve their financial goals. Identifies prospecting approaches to identify potential customers and create opportunities to sell financial solutions and ideas to customers.
· Knowledge on Payments: Strong understanding of deposit and knowledge on all payment types and its inner-workings.
· Tech Savvy – Advise, educate, and engage clients on a variety of technological tools and resources allowing them to explore solutions to achieve their financial goals. Solid technical skills (Word, Excel, PowerPoint, and other job-related programs)
· Managing Risk - Strong with risk mitigation management and well versed with compliance, regulatory requirements, NACHA, BSA and AML; adhere to and support Integro Bank’s Enterprise Risk Management Framework.
· Collaborating – Knowledge and ability to promote a culture of information sharing and working together to solve business problems and meet business goals.
· Decision Making and Critical Thinking – Understanding of the issues related to the decision-making process; ability to analyze situations fully and accurately and reach productive decisions.
· Problem Solving – Knowledge of approaches, tools, techniques for recognizing, anticipating, and resolving organizational, operational or process problems; ability to apply this knowledge appropriately to diverse situations.
· Effective Communications – Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors.
· Solutions Development – Knowledge of and the ability to assess customer needs and provide solutions for them.
Education & Experience:
- Bachelor’s degree in finance, economics, or business administration preferred.
- A minimum of 3+ years’ direct experience in Treasury management sales and/ or deposit product management.
- Demonstrated success in winning new TM business deals and well-versed with the servicing and onboarding process.
ENVIRONMENT & PHYSICAL DEMANDS:
- Ability to lift a minimum of 20lbs. (e.g., file boxes).
- Must be able to sit/stand 90% of the time, bend, and stoop.
- Requires ability to use the keyboard for up to 8 hours.
- Travel may be required.
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
About Integro Bank: Our Mission is to “Lift and Transform Lives.” We focus on helping small businesses maximize growth because “Employment lifts people up and transforms lives”.
Our Core Values are:
· Earn and be worthy of Trust: Trust is everything. Be authentic, honest, make personal connections and keep your promises.
· Demonstrate an optimistic and positive attitude: Our intentions should be upbeat, positive and lift others up. Positivity breeds success.
· Focus on client-centric solutions: We listen, understand and WOW our clients.
· We deliver results: Own it, be accountable, committed and strive for positive outcomes in everything we do.
Benefits: Comprehensive benefits package including: Health, dental and vision insurance, paid time off, company paid life insurance, short and long-term disability, 401k, and tuition savings program.
