Sr. Treasury Deposit Officer

Job Details:

Job Location:

Sandy - Sandy, UT 84094, Position Type:
Full Time, Position Summary

• Originate and close new commercial deposit relationships through proactive outbound prospecting, networking, centers of influence, and referrals, with an emphasis on primary operating accounts.
• Meet or exceed quarterly and annual goals for net new deposits, new funded relationships, and treasury service attachment.
• Conduct needs-based discovery with prospects and clients, reviewing cash flow, banking activity, and account analysis statements to identify deposit and treasury opportunities.
• Lead with treasury management solutions (ACH, wires, remote deposit capture, lockbox, positive pay, sweeps, and merchant services) to win operating balances and deepen deposit relationships.
• Prepare and present proposals, pricing, and RFP responses for treasury and deposit services; negotiate within approved pricing authority and elevate exceptions.
• Grow deposits within the existing client base by identifying balances held at other institutions and consolidating them into the Bank, including money market, savings, IC S/reciprocal, and CD solutions.
• Partner with Business Development Officers, Loan Officers, and Retail Banking Managers to secure the deposit relationship on every new and existing lending relationship and to support branch-level deposit campaigns.
• Hand off won clients to the onboarding and Treasury Services teams and remain accountable for the relationship through account funding and the first 90 days, ensuring balances move as committed.
• Monitor deposit balances, retention, and attrition within your portfolio, and proactively engage clients at risk of rate-shopping or outflow.
• Maintain accurate pipeline, activity, and client interaction records in the CRM and provide regular pipeline and forecast updates to leadership.
• Track market deposit pricing, competitor offerings, and client feedback, and share insights with leadership to inform pricing and product strategy.
• Represent the Bank in the community through industry associations, civic organizations, and networking events.
• Maintain up-to-date knowledge of deposit and treasury products, pricing guidelines, and compliance requirements, including BSA/AML and KYC.
• Other duties as assigned.

• Minimum of 3-5 years of experience in treasury management sales, commercial or business banking, or deposit-focused relationship banking, with a documented track record of meeting or exceeding deposit growth goals.
• Proven ability to originate new business through outbound prospecting and consultative selling, from first contact through close.
• Working knowledge of treasury and cash management products, procedures, and services, as well as accounting, financial analysis, and account analysis.
• Ability to read financial statements and banking activity to identify deposit and treasury opportunities.
• Experience working with CRM systems and managing a sales pipeline effectively.
• Strong negotiation, presentation, interpersonal, and communication skills, both verbal and written.
• Self-motivated and goal-oriented, with the ability to work independently and collaboratively.
• Working knowledge of deposit regulations and compliance requirements, including BSA/AML.
• Proficient in Microsoft Office and basic computer skills.
• Requires High School diploma, GED or equivalent education and experience in banking, bank operations and products, accounting, or sales. A combination of education and experience may meet job requirements.
• Valid driver's license and reliable transportation for client visits.

• Bachelor's degree in business, finance, accounting, or a related field.
• Certified Treasury Professional (CTP), Accredited ACH Professional (AAP), or similar treasury certification.
• Existing network of business owners, CPAs, attorneys, and other centers of influence in the Bank's markets.
• Experience with public funds, IC S/reciprocal deposits, and collateralized deposit programs.
• Experience winning deposits in verticals such as property management, HOAs, title and escrow, healthcare, professional services, nonprofits, and municipalities.
• Familiarity with deposit pricing, relationship profitability, and rate-sensitivity analysis.
• Strong referral-generation and cross-selling skills.
• Ability to navigate sensitive client situations with professionalism and discretion.