Business Treasury Officer, Montgomery/Monroe

Job Title: Business and Treasury Officer

Department: Business

Reports To: Business & Treasury Manager

FLSA Status: Exempt 

Grade: 10

Summary 

Main contact for our business membership and partner of Business Originators (maximum of 2 Originators) to sell business deposits and services to build comprehensive and full business relationships with our membership.  Identify prospects within our community for additional prospective business membership opportunities.

Essential Duties and Responsibilities include the following. Other duties may be assigned. This job description in no way implies that the duties listed here are the only ones that the employee may be required to perform. The employee is expected to perform other tasks, duties and trainings as dictated by their supervisor or manager.

Principle Job Duties

• Meets with Business Members to review account needs, put together proposals for new account/services recommended
• Works with the Business and Treasury Manager to implement an individual sale and service activity plan to align with the team’s overall performance.  This will be an overall strategy plan of how monthly goals will be met; example: number of phone calls a month to existing or prospective members, number of meetings with prospective or existing members, number of community development groups participation will be in
• Gathers needed business and owner documentation for new business accounts
• Proactively looks for ways to enhance sales performance by seeking coaching from management, peers and partners to better strategy
• Ensures sales activities are aligned to create value for both the member and the credit union. Sales results should align with the needs of the community and ultimately support the organizational commitment to diverse business memberships.
• Effectively engages partners (Commercial/Construction Originators or Vendors) to develop holistic member relationships.
• Represents the Credit Union in the community by attending and participating in civic and community events for purpose of generating additional business and contacts.

Service & Sales

• Ensures service and referral activities are aligned to create value for both the member and the credit union.
• Uses problem-solving, listening, understanding and responding techniques to address members’ immediate needs and when appropriate, link need to a solution where there is an opportunity to expand or retain a relationship.
• Regularly creates value added conversations with members to uncover opportunities to make quality referrals to branch or other business partners.
• Ensures that individual quarterly goals are met as outlined in the incentive plan and monthly scorecard.

Operations & Compliance

• Adheres to all regulations, compliance and Credit Union’s policies, procedures and delegated authorities.
• Manages risk related to credit, operational, reputational, regulatory and legal aspects of personal interactions.

• Accurately identify all members using RGCU approved types of identification for all transactions. 
• Completely and accurately obtain and input all CIP information for new accounts.
• Properly update all necessary CIP information in the core processor for prime and joint members and customers on all accounts for all transactions.
• Complete and scan all required Bank Secrecy Act business documentation such as but not limited to: the business account questionnaire and the Beneficial Ownership form.
• Accurately perform OFAC during transactions such as but not limited to: opening new accounts; adding individuals to an account or shares; producing cashier’s checks or money orders; initiating wires, etc.
• Ensure that all accounts, loans, and transactions are reviewed for the appropriate red flags.
• Report all suspicious activity to the Risk Management department via the compliance group email

Supervisory Responsibilities                                                              

This job has no supervisory responsibilities.

Competencies                                                        

To perform the job successfully, an individual should demonstrate the following competencies:

Analytical 1 - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedure

Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.

Presenting - The ability to present ideas and plans clearly, using available resources.

Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.

Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.

Qualifications 

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience      

2 to 5 years of related experience

4-year college degree or specialized course of study or 5 years related experience.

Physical Demands 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit and use hands to finger. The employee is frequently required to reach with hands and arms and talk or hear. 

Work Environment 

The work environme­­nt characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Rio Grande Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.