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TITLE: Cash Management Relationship Officer

REPORTS TO: Vice President – Business Banking Team Leader

CLASSIFICATION: Full Time, Exempt

PAY GRADE: EX 65 ($79,000 – 101,329 annually)

AVAILABILITY: Monday-Friday 8:30am-5:00pm

Position Summary:

Responsible for identifying, analyzing, selling and supporting cash management products and services to established business customers. Acts as a liaison to help facilitate the onboarding of all new and existing cash management clients. Responsible for the initial and ongoing setup of all commercial cash management products, including but not limited to ACH origination, remote deposit capture, positive pay, sweep accounts, online wires, account analysis and account reconciliation. Works closely with sales staff to attain fee revenue and deposit goals. Assesses customer needs and recommends effective strategies; performs a cost benefit and risk analysis for new products and services; negotiates pricing to optimize profitability of product or service solutions. Conducts ongoing system analysis to provide the Bank with recommendations of current and future product enhancements.

Key Responsibilities:

+ Oversees the onboarding process for all new commercial cash management clients while acting as the primary point of contact for all corresponding needs and issues that may arise.

+ Works closely with the cash management service team in the setup of all commercial cash management products including ACH origination, remote deposit capture, positive pay, sweep accounts, online wires and account reconciliation.

+ Responsible for conducting ongoing system analysis to identify any potential system gaps and enhancement opportunities.

+ Performs a cost benefit and risk analysis for new products and services; negotiates pricing to optimize profitability of product or service solutions.

+ Meets with existing customers to ensure proper servicing of accounts and to expand existing business relationships.

+ Attends joint calls with Branch Managers, Corporate Lending Relationship Managers, and other lines of business partners.

+ Identifies, analyzes, sells, and supports cash management products to existing business customers. Identifies and escalates pertinent issues to cash management services team.

+ Assists in customer annual reviews, site visits, limit discussions, etc.

+ Maintains customer agreement and application for all cash management products and current clients. Manages the RDC/Cash Management user book of business.

+ Responsible for generating revenue from deposit growth and fee income through retention and development of existing client relationships.

+ Assists in the development of new services, modification of existing services and establishment of sales objectives.

+ Prepares sales presentations, explains services offered, and recommends services which would be of value to the customer.

+ Assists in the training of other bank personnel related to Cash Management offerings.

+ Attends seminars and meetings to expand knowledge of Cash Management products. Stays informed on developments in the fields of banking in general, and Cash Management in particular.

+ Participates on product development project teams as necessary.

+ Performs additional duties as required.

Qualifications & Competencies:

Education & Experience

+ Associate’s degree in business or similar field preferred.

+ Five years of cash management experience required. Three to seven years of related experience in banking, sales support and/or bank operations may be substituted for cash management experience.

+ Must have proficient computer skills, including Word, Power Point, and Excel, and excellent interpersonal, organizational, verbal and math skills.

+ Strong product knowledge of cash management is required.

Core Skills & Attributes

+ Must be able to work independently, make decisions, handle multiple projects simultaneously and use discretion in setting priorities.

+ Strong and effective customer service skills with professional and courteous style of communication.

+ Ability to work with minimal supervision in a fast-paced environment.

+ Attention to detail and accuracy are critical.

+ Ability to work cooperatively with colleagues as an enthusiastic, productive team player.

+ Ability to professionally represent Pioneer to outside business and/or customer contacts.

+ Must be able to travel to various locations in the Capital Region on short notice.

As an Equal Opportunity / Affirmative Action Employer, Pioneer Bank will not discriminate in its employment practices due to an applicant’s race, color, creed, religion, sex (including pregnancy, childbirth or related medical conditions), sexual orientation, gender identity or expression, transgender status, age, national origin, marital status, citizenship, physical and mental disability, criminal record, genetic information, predisposition or carrier status, status with respect to receiving public assistance, domestic violence victim status, a disabled, special, recently separated, active duty wartime, campaign badge, Armed Forces service medal veteran, or any other characteristics protected under applicable law.

The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.