What are the responsibilities and job description for the Commercial Deposit Officer - Institutional Deposit Services position at Central Pacific Bank?
Position Function:
I-Senior:
Responsible for managing, retaining and growing a portfolio of high-valued Commercial Market clients with deposit accounts/ relationships. With an emphasis on new core deposit acquisition, generate new business relationships for the bank. Assist with development of product collateral and documentation. Provide technical support and assist with maintenance of products and services sold. Assist with client product training. Integrate all core functions with other Commercial Markets to generate new business relationships for the bank.
I-III:
Support cash management product and service sales calls with product demonstrations and presentations.
Senior:
Support Merchant and Cash Management products and services sales calls with product demonstrations and presentations.
Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness.
Primary Accountabilities:
Portfolio Growth:
I-Senior:
- Generate new business through an organized and targeted calling program. Develop and maintain a business referral and information network consisting of trusted professional contacts for advice, counsel and new referrals. Work with Commercial and Corporate Markets and other areas of the bank to identify clients and prospects appropriate for the Deposit Team. Responsible to attain and/or exceed sales (productions and portfolio growth) goals, as it pertains to both new and existing business clients utilizing effective sales techniques and negotiating skills.
I-III:
- Lead with deposits. Work closely with clients and prospects to identify opportunities to grow deposits with safe and profitable solutions.
- Continually works to move these customers into a portfolio by increasing its profitability. Possess an understanding and ability to identify loan opportunities and introduce lenders.
Senior:
- Lead with Merchant Services. Work closely with clients and prospects to identify opportunities to grow merchant services with safe and profitable solutions.
Cash Management Product and Service Support:
- Provide technical business product and service support. Responsible for business product and service maintenance and incident resolution. Assist in the development and maintenance of effective client relationships with Line officers (Commercial, Business, and Community Banking).
- Assist in Product Development and Evaluation: Assist in evaluation of product line and implementation of enhancements/changes. Assist in development of procedures for business products and services.
Referrals/Fee Income Opportunities:
- Generate new business in other areas of the bank through an effective relationship management process, which includes active profiling and appropriate cross-selling, introductions and referring. Develop new sources of fee income and increase overall profitability of book of business.
Relationship Management:
I-Senior:
- Establish, retain and grow business customer relationships by providing exceptional customer service. Uses understanding of the needs of businesses to market or coordinate sale of the appropriate product or service that the bank can deliver. Responsible for, through effective profiling, finding solutions for the company’s financial needs. Responsible for expanding business client relationships by anticipating and identifying the needs of the business client and meeting these needs through the sale of additional products and services, directly or through referrals to appropriate departments (appropriately cross-sell); making appropriate networking introductions; being responsive and providing solutions. Responsible for maintaining and managing customer information database and financial profiles of customers within the portfolio to assist selling efforts and provide management reports that develop customer leads and marketing programs.
I-III:
- Provide the highest standards of account maintenance and servicing of assigned portfolio of deposit accounts through regular contact and communication with customers and a commitment to the delivery of quality service.
Senior:
- Provide the highest standards of account maintenance and servicing of assigned portfolio of merchant accounts through regular contact and communication with customers and a commitment to the delivery of quality service.
Product Demonstrations and Presentations:
- Joint sales calls with Line Units to provide product demonstrations and presentations. Liaison between Line Units and Customers. Act as business product and services liaison between Line Units and their customers.
Relationship Banking:
- Leads the team to achieve the department’s “customer-centric” cross-referral goals. Adheres to the Bank’s service standards.
Service Quality:
- Monitor quality of service levels for clients that use business products and services. Identify and resolve a variety of customer problems and inquiries by determining the cause and origin of systems errors/problems. Maintain high standard of customer service by responding promptly and accurately to client requests/inquiries.
Minimum Qualifications:
Education:
Officer I, II, III, and Senior:
- Bachelor’s Degree from an accredited 4-year university, preferably in a related field required.
Experience:
Deposit Officer I:
- 4 years of Sales experience in any commercial business product required.
- 1 years of Sales of deposit and cash management products and services experience required.
- 1 years of experience in Portfolio and revenue management required.
- 1 years of Administrative support experience in related area required.
Deposit Officer II:
- 5 years of Sales experience in any commercial business product required.
- 1 years of Sales of deposit and cash management products and services experience required.
- 1 years of experience in Portfolio and revenue management required.
- 1 years of Administrative support experience in related area required.
Deposit Officer III:
- 6 years of Sales experience in any commercial business product required.
- 2 years of Sales of deposit and cash management products and services experience required.
- 2 years of experience in Portfolio and revenue management required.
- 1 years of Administrative support experience in related area required.
Senior Deposit Officer:
- 6 years of Sales experience in any commercial business product required.
- 3 years of Sales of deposit and cash management products and services experience required.
- 3 years of experience in Portfolio and revenue management required.
- 2 years of Team leader experience required.
License/Certification:
Deposit Officer I, II, and III:
- Valid State of Hawaii driver’s license and a clean driver’s abstract required.
Senior Deposit Officer:
- Valid State of Hawaii driver’s license and a clean driver’s abstract preferred.
Physical Requirements & Working Conditions:
- Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated.
- Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications.
- Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions.
- Must be able to read and understand bank-related documents.
- Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job.
We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.
Salary : $47,017 - $102,665