Business Services Representative (Small Business Specialist)

About the role

At First Citizens Bank, 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 delivers cash-management solutions to commercial and business banking relationships, providing a full range of business deposits and related services. This role partners with Business and Commercial Bankers as a subject-matter expert in business deposits and related services, and self-sources new business opportunities.

Responsibilities

• Sales
  • Achieve individual and/or team financial, production, and relationship results relative to assigned metrics and goals, aligning with community needs and the Bank’s commitment to diverse lending.
  • Engage with customers, prospects, and referral sources through proactive outreach.
  • Represent the Bank in the community by attending and participating in civic and community events to generate additional business and identify potential CRA opportunities.
  • Use sales practices that create value for both the customer and the Bank, ensuring relevant financial guidance drives informed decisions.
• Service Standards
  • Foster collaborative partnerships that deliver value for customers, prospects, and colleagues.
  • Initiate conversations to uncover sales or referral opportunities.
  • Listen attentively and ask insightful questions to understand customer needs and preferences, addressing immediate needs promptly.
  • Proactively seek coaching, support Bank initiatives, and leverage tools to optimize performance.
• 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 interactions, transactions, and financial exposures.
  • Complete required training by established deadlines.
  • Perform general office management duties to ensure operational efficiency.
  • For roles involving deposits, ensure transaction accuracy and operational efficiency, contributing to both individual and team performance.

Requirements

• 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.
• Valid driver’s license; frequent driving to other offices, bank customers, etc. (Bank car not provided).

Preferred Qualifications

• Experience in business development, business banking, lending, merchant services, treasury management, or small business banking.

Skills

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

Pay

If hired in Massachusetts, the base pay for this position is generally between $75,000 and $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

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