Commercial Client Specialist

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Lead onboarding process for complex commercial deposit relationships
• Coordinate the collection and review of required documentation, including entity formation documents, signer authority, and beneficial ownership details
• Serve as a strategic coordinator for complex customers allowing bankers to grow, manage, and retain commercial client relationships
• Broad support across lending, deposits, servicing, reporting, and banker enablement
• Manage timelines and proactively resolve documentation gaps to reduce rework and delays
• Maintain clear status updates and documentation of decisions, approvals, and outstanding items throughout the onboarding process
• Analyze and document complex ownership structures, including layered ownership and multiple controlling parties
• Explain onboarding requirements in a clear and practical way to support a smooth client experience
• Coordinate client communications with the Relationship Manager as appropriate to maintain alignment and reduce friction
• Exhibit consistent relationship building including, but not limited to:
• Prepare for various customer interactions
• Build rapport
• Confidently and proficiently explain Seacoast Bank products and services to customers internally and externally, as appropriate
• Exhibit good listening skills and speak clearly and persuasively in positive or negative situations
• Quickly seek out appropriate partners in more complex financial matters
• Embrace new technology and remain up to date on industry changes to create an open environment that fosters idea generation and innovation
• Participate in community, charitable or civic events
• Exhibit strong work ethics and teamwork, collaborating with other associates within the Commercial Bank and Community Bank to develop trusting and cooperative working relationships
• Identify potential cross-sell needs during onboarding conversations and route opportunities to appropriate One Team Partners when appropriate
• Build proficiencies with Treasury Management solutions and business lending needs
• Display proficiency in Customer-facing technology with the ability to discuss with and enroll customers in self-service products/processes
• Work collaboratively with leadership team to meet the needs of customers
• Operations
• Open and process accounts, perform account maintenance, adhering to the bank's current policies and procedures, to include AML/BSA requirements
• Ensure adherence to AML/BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements
• Follow instructions and respond to management direction to help resolve more difficult customer objections, and solve problems in a timely and positive manner to retain the customer relationship
• Ability to analyze complex organizational structures, credit approval memoranda, etc.
• Adhere to Seacoast Bank's Code of Conduct
• Follow all safety and security procedures

EDUCATION and/or EXPERIENCE

• Bachelor’s degree in business, finance, accounting, or a related field preferred
• 3+ years in financial services, commercial, retail experience required
• Experience in commercial onboarding, commercial deposit operations, commercial client service, or a related function within a financial institution
• Strong understanding of Know Your Customer and BSA AML practices as applied to commercial clients
• Strong communication skills with the ability to engage confidently with commercial clients and internal stakeholders
• Familiarity with treasury onboarding concepts and commercial deposit product structures
• Strong organization and attention to detail, including the ability to manage multiple onboarding processes simultaneously
• Able to work independently and exercise a high degree of initiative
• PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software