Deposit Relationship Officer

This position is responsible for creating and maintaining strong customer relationships while developing new business from current and prospective customers. This position will play a vital role in supporting our staff by offering deposit products that complement their current customer’s loans and deposits. This position will also work closely with the Operations Department to enhance our current product offerings and make sure all bank customers have the proper treasury management services for their needs.
Essential Duties and Responsibilities

Deposit Relationship Officer

First National Bank MN

500 Long St, Mankato, MN 56001

This position is responsible for creating and maintaining strong customer relationships while developing new business from current and prospective customers. This position will play a vital role in supporting our staff by offering deposit products that complement their current customer’s loans and deposits. This position will also work closely with the Operations Department to enhance our current product offerings and make sure all bank customers have the proper treasury management services for their needs.
Essential Duties and Responsibilities

• Manage all aspects of the treasury management product sales process including sales planning and implementation, business development, prospect qualification, needs analysis, and proposal presentations.
• Attend regular lender pipeline meetings and periodic loan committee meetings.
• Participate in business development activities and FNBMN sponsored community events to enhance reputation in our markets and build brand awareness.
• Work with Business Bankers to develop and maintain successful relationships while consistently assessing potential opportunities in our local communities and surrounding area.
• Responsible for increasing market share and presence by emphasizing banking services including ACH Origination, Remote Deposit Capture, Positive Pay, Wire Origination, Checking and Savings Accounts, Merchant card processing, Business Online Banking, Business Bill Pay, and any other future bank products.
• Refer loan transactions and opportunities to Commercial and/or Retail Lending Staff.

• Manage deposit-only portfolio and treasury management customers, fostering strong, long-term relationships.
• Advise customers on effective Treasury Management solutions and implement strategies to meet their financial needs.
• Use product knowledge to resolve challenging issues and conduct root cause analysis for products including, but not limited to, ACH Transactions, Wire Transfers, Remote Deposit Capture, Merchant Card Processing, Bill Pay, Online Banking, ICS and CDARS.
• Prepare and approve underwriting guidelines for Treasury Management Products and services for new and existing customers.
• Assist with decisions and managing overdraft situations by balancing customer needs with risk mitigation.

• Work with Operations to develop and establish competitive, high-value, and profitable treasury management products and services.
• Apply diagnostic techniques to identify problems, document resolutions, investigate causes, and recommend solutions to correct common failures.
• Conduct training for the appropriate bank team members on the features and benefits of treasury management product offerings.
• Maintain a working knowledge of all Treasury management products, systems, and processes as well as an awareness of industry trends.
• Ensure adherence to banking regulations and internal policies, mitigating financial risks and ensuring compliance with relevant laws.

• Minimum:
  Bachelor's Degree in Finance, Business, or related field.
• Minimum: 3 years of experience in Treasury Management, Commercial Banking, or related Deposit field.
• Proven ability to sell and service both current and prospective bank customers.

• Customer service oriented with strong written and oral communication skills.
• Strong time management, attention to detail, and organizational skills with the ability to multitask.
• Problem solving and analytical skills to resolve issues…