Commercial Card Specialist

• Partner with FNBO Payment Advisors, Relationship Managers, and internal partners to source, identify, size, and solution in-footprint Commercial Card prospects and customers
• Manage assigned accounts after implementation and foster strong customer relationships
• Understand customer business needs and identify new, cross-sell, and growth opportunities
• Maintain knowledge of FNBO products and services and key vendor and partner offerings
• Develop strategies to reduce customer expenses, improve procure-to-pay efficiency, address cash-on-hand and working capital needs, and automate invoicing and payment processes
• Identify business opportunities and build and maintain a strong sales pipeline
• Monitor and negotiate contract terms and pricing
• Achieve retention, cross-sell, and growth targets
• Serve as the primary contact for assigned accounts and understand customer objectives, strategies, leaders, and stakeholders
• Complete sales paperwork and documentation and partner with implementation teams on customer setup, training, and onboarding
• Create and execute account plans aligned with customer goals and company objectives
• Monitor satisfaction, proactively address risks and issues, improve customer experience, and minimize churn
• Collaborate with leadership, Agent Bank partners, Payment Advisors, sales, product development, marketing, and customer servicing
• Lead contract negotiations and annual reviews and identify upselling and cross-selling opportunities
• Monitor KPIs and account health, prepare account and pipeline reports, and present customer performance and strategic initiatives to leadership
• Identify and mitigate risks and ensure compliance with company policies, procedures, and contractual obligations
• Stay current on industry trends, market developments, and account management best practices
• Perform other duties as assigned by leadership

• Bachelor’s Degree preferred in Finance, Business, or another related field
• Minimum 5+ years of relevant experience in account management or a related field
• Excellent communication, negotiation, and interpersonal skills
• Ability to develop and execute effective business plans
• Proficiency in CRM software and other relevant tools
• Results-oriented focus on business growth and exceeding targets
• Strong analytical skills and attention to detail
• Ability to thrive in a fast-paced, dynamic work environment
• Commitment to continuous learning and professional development
• Willingness to travel for customer meetings or team events
• Treasury, Global Banking, Merchant, and Fin Tech experience desired
• Knowledge of applicable credit card network rules and regulations desired
• Experience working with Salesforce desired
• Unrestricted work authorization and no requirement for future sponsorship

Demonstrates expertise in account management, customer relationship building, and strategic business planning to drive growth and enhance customer satisfaction. Proficient in utilizing CRM software and analyzing market trends to identify opportunities and mitigate risks.

• Account Management
• Business Development
• CRM Software Proficiency
• Negotiation Skills
• Analytical Skills

• Account Management
• Business Planning
• Sales Pipeline Management
• Contract Negotiation
• KPI Monitoring
• Risk Mitigation
• Customer Onboarding
• Procure-To-Pay Efficiency
• Cross-Selling
• Growth Strategy Development

• Communication Skills
• Interpersonal Skills
• Results-Oriented Focus
• Attention to Detail
• Adaptability

• Treasury
• Global Banking
• Merchant Services
• Fin Tech
• Credit Card Network Regulations

• CRM Software
• Salesforce