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Relationship Manager Senior Specialty Deposits (Embedded Transaction Banking)City National Bank • Charlotte, North Carolina, United States
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Relationship Manager Senior Specialty Deposits (Embedded Transaction Banking)

City National Bank
  • US
    Charlotte, North Carolina, United States
  • US
    Charlotte, North Carolina, United States
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À propos

RELATIONSHIP MANAGER SENIOR SPECIALTY DEPOSITS (Embedded Transaction Banking) WHAT IS THE OPPORTUNITY? The Specialty Deposits Relationship Manager position develops and manages relationships within Non‑Bank Financial Institutions, Third Party Payment Processors, Money Service Businesses, and the Embedded Finance segments for City National Bank. This key role is responsible for actively meeting the Treasury Services Deposit needs of both existing clients and prospective clients by presenting a variety of product solutions and providing responsive and exemplary service. The Relationship Manager manages the profitability and portfolio risk of the overall relationship and is responsible for the continued profitable growth of the assigned portfolio through active calling efforts, service and referrals. Adeptly identifying and promoting solutions to customer needs and maintaining an active calling program is essential for success. This position requires a high level of relationship management, communication, presentation, and influencing skills and experience. The position may approve transactions within delegated authority.
WHAT WILL YOU DO?
Focus on developing new deposit relationships. Prepare a relationship plan and calling schedule for each client or prospect in conjunction with the strategic business development program.
Identify business opportunities and solicit referrals for Treasury Services or other bank products or services from existing customers, a network of referral sources, and other industry professionals.
Become familiar with the company, industry, business, and needs of clients to assist in client calling efforts. Set objectives for each relationship in terms of revenue/deposit contribution, etc.
Call on existing or prospective clients to discuss and promote Treasury Services and other bank products and services to establish a total client banking relationship.
Discuss opportunities and general business conditions; may assist in forecasting clients’ Treasury Services, credit, and other banking needs to develop solutions to serve their financial needs. Partner with in‑product specialists as necessary.
Negotiate transactions, prices Treasury Services products and services, documents, and closes loan transactions, using approved pricing models to assure profitability to CNB. Loans must meet bank guidelines and policy in regards to pricing and structure. Proposals are reviewed with the team leader and/or department manager.
Ensure conformance with bank policy and regulatory requirements. Exercise sound credit and risk judgment in approving transactions.
Represent the bank by actively participating in outside civic and community affairs, business and industry‑related organizations, and other professional activities as appropriate.
Interface and partner with other bank departments as necessary.
Define responsibilities and coordinate objectives for all product areas in a relationship or transaction. Resolve all client needs and any internal issues.
Maintain and update MYCNB with sales calls for prospects and clients. Monitor and analyze relationship results and account activities. Determine client profitability and recommend accounts for further development or elimination. Prepare reports for management, including monthly expense reports with proper detail.
Monitor portfolio for quality, risk, and adherence to policy. Work with appropriate staff departments to resolve issues.
Maintain awareness of competitive products, practices, rates, and changes in market conditions.
Analyze problem areas and meet with clients to develop solutions to minimize loss exposure.
Manage portfolio relationships that may contain numerous accounts requiring extensive operational expertise to match client needs, risk control, and maximize cross‑selling potential.
Execute New Business Calling Efforts: proactively identify, develop, and build new profitable relationships with clients to retain and deepen client relationships.
Execute Retention Calling Efforts: actively work with existing clients and develop prospects to expand existing relationships and deposits to the bank.
Record keeping and proper call report, expense report documentation follow‑up, including all bank‑required training courses.
WHAT DO YOU NEED TO SUCCEED? Required Qualifications
Bachelor’s Degree or equivalent.
Minimum 5–8 years of relationship management of Treasury Services Deposit–based clients/portfolio in a financial services company.
Minimum 3 years of Treasury Services/Treasury Deposits product sales and new business development in a financial services company.
Additional Qualifications
Superior understanding of all Treasury Services products and services applicable to the target client segment.
Collaborate cross‑functionally with product, finance, risk, and technology teams to ensure embedded payments/managed services of Embedded Transaction Banking are well represented internally and externally.
Develop and execute strategies to optimize the sales process and necessary tools across business lines.
Good credit analysis and accounting skills.
Capable of working well independently and in teams.
Ability to work autonomously in making sound business decisions and exercises appropriate level of authority commensurate with experience and responsibility.
Exceptional interpersonal, verbal, and written communication skills.
Superior knowledge and understanding of FinCen, MSB, and licensing rules/regulations.
Exceptional knowledge of payment network rules and regulations.
Lead and scale managed services operations, ensuring high performance, efficiency, and client satisfaction.
WHAT'S IN IT FOR YOU? Compensation Starting base salary: $111,408 – $189,738 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
Benefits and Perks
Comprehensive healthcare coverage, including Medical, Dental, and Vision plans, available the first of the month following start date.
Generous 401(k) company matching contribution.
Career Development through Tuition Reimbursement and other internal upskilling and training resources.
Valued Time Away benefits including vacation, sick, and volunteer time.
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs.
Career Mobility support from a dedicated recruitment team.
Colleague Resource Groups to support networking and community engagement.
Get a more detailed look at our Benefits and Perks.
About Us Since day one we have always gone further than the competition to help our clients, colleagues, and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community, and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America’s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.
INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status, or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
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  • Charlotte, North Carolina, United States

Compétences linguistiques

  • English
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