The Commercial Services Officer promotes, solicits, and provides treasury management products and services to commercial and small business customers and prospective clients. Is responsible for growing business with existing customers and prospects directly via external sales and marketing efforts in order to achieve annual sales and scorecard objectives.
Outreach to existing and prospective commercial customers to develop new business, expand existing relationships, maintain positive customer relations, and ensure proper servicing of accounts
Build, develop, and maintain profitable deposit relationships with new and existing customers which includes consulting at customer place of business in order to understand their business practices and discuss their goals and objectives related to banking, cash flow, and treasury services
Identify treasury management product and service needs, develop and propose solutions to commercial customers that best meet their needs, and facilitate on-boarding and implementation
Work closely with commercial and branch staff building awareness of United Bank Treasury and Purchasing Card capabilities
Conduct training for customers utilizing internet banking and related modules, including on-site installation of remote deposit, as needed
Interface with all lines of business, in order to grow both non-interest income and core deposits from both existing and prospective commercial customers.
Sales effort includes developing and executing an effective sales strategy, implementing a formalized calling plan, generating leads, and following up on referrals.
Analyze businesses' cash flow, deposit relationships and treasury needs to develop a custom treasury management services proposal for the customer/prospect and will regularly meet with businesses for consultation and presentation of proposals.
Overall support Treasury Management Department's mission and objectives, particularly as they relate to achieving individual and department sales and scorecard goals
Maintain a high level of product knowledge and procedural expertise of Treasury Management's product line to maximize sales effectiveness and to assist commercial customers with product inquiries and requests;
Represent the bank and actively participate in various civic and community events that offer networking and promotional opportunities. Maintain regular contact with centers-of-influence to develop and expand business referral network;
Cross-sell other bank products and services and capitalize on opportunities to expand business, referring clients to other areas of the bank for additional needs where appropriate.
Respond to banking services Requests for Proposal (RFPs)
High School diploma required, Bachelor's degree highly desired
Minimum of five (5) years of working banking experience required, preferably in a related Treasury Management and/or customer contact area highly desired
Customer contact skills are essential
Prior experience in a business development role is a plus
Proficiency in Microsoft Office Products required
Demonstrated ability to learn and understand the various product lines and services offered by the Bank and to continue to stay current on all products and services
Strong verbal and written communication skills
Excellent presentation and problem solving
Demonstrated excellent listening skills
Ability to work independently and in a team environment
Ability to travel up to 50% within assigned region/state.
Interpersonal and customer contact skills
Must be a self-starter
Problem solving skills
Ability to travel regularly within an assigned market area
Sitting and standing for extended period of times as required to
Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse, and other computer components.
Ability to converse and exchange information with all levels of staff within organization.
Ability to observe, perceive, identify, and translate data
Ability to travel via air, rail, automobile and/or bus.
With over 175 years of experience, United Bank is one of the region's premier banks with locations in West Virginia, Virginia, Washington, DC, Maryland, Ohio, and Pennsylvania. A subsidiary of United Bankshares, Inc., with dual headquarters in Washington, DC and Charleston, WV, we are a full service financial institution with over $19 billion in assets.
United Bank, Inc.