Treasury Management Officer

Treasury Management Officer – Job Description

The Treasury Management Officer (TMO) is a revenue-generating, client-facing sales professional responsible for driving treasury management fee income and deposit growth through new business development, portfolio expansion, and deepening of commercial banking relationships. This role serves as a strategic sales partner to commercial lenders, focusing on delivering tailored treasury management solutions that enhance client operations while maximizing bank profitability.

The TMO is expected to proactively source opportunities, lead consultative sales engagements, and consistently achieve or exceed production goals.

Statement of Expectations

Prism Bank expects all employees to comply with the responsibilities of their assigned positions to the highest degree of performance. Expectations include but not limited to:

• Adhere to the bank’s policies and support management decisions and goals in a positive, professional manner.
• Represent Prism Bank with a high level of integrity and professionalism.
• Maintain knowledge and understanding of banking rules, regulations, laws, and all internal policies and procedures.
• Demonstrate a willingness to adapt to changing business needs and deadlines.
• Maintain a high level of rapport with other departments of the Bank and all co-workers.
• Possess a work ethic that includes neatness and punctuality.
• Exhibit a professional, business-like appearance and demeanor.
• Answer all voicemails and emails within 24 hours of receipt.
• Confer with management concerning questions, procedures, necessary information, form completion, and problem resolutions.
• Complete and attend all required training.
• Maintain satisfactory attendance.
• Maintain confidentiality of sensitive information.
• Follow policies, systems, and controls to ensure compliance with regulations, laws guidance, and internal policies.

Essential Functions

Revenue Generation & Sales Leadership

• Drive treasury management revenue through proactive business development and disciplined sales execution.
• Identify, source, and pursue new treasury relationships within target commercial segments.
• Consistently meet or exceed individual sales goals for fee income, deposit growth, product penetration, and new client relationship acquisition
• Develop and maintain a robust sales pipeline, including prospecting, qualification, proposal development, and closing.
• Hold accountability for expense management of sales efforts.

Relationship Expansion & Cross-Selling

• Partner with commercial relationship managers to uncover treasury opportunities within existing portfolios.
• Increasing share of wallet by cross-selling treasury products and expanding service utilization among current clients
• Conduct strategic account reviews to identify revenue growth opportunities and mitigation of risk.
• Strengthening client retention through value-driven engagement and ongoing solution optimization

Consultative Sales & Solution Design

• Conduct in-depth discovery sessions to understand client cash flow cycles, payment processes, and operational challenges.
• Structure and deliver customized treasury solutions aligned with client objectives and industry best practices.
• Present proposals and pricing strategies designed to maximize revenue while remaining competitive in the market.
• Effectively articulate the value proposition of treasury services, emphasizing efficiency gains, risk reduction, and cost savings
• Account structuring to meet client expectations of the client while minimizing cost of funding sources.

Treasury Product Sales

• Actively promote and sell a full suite of treasury management solutions, not limited to:
• ACH origination and payment services
• Wire transfer services
• Remote deposit capture (RDC)
• Fraud prevention tools (e.g., Positive Pay)
• Lockbox and receivables solutions
• Commercial digital banking platforms
• Card Payment solutions

Pipeline Management & Performance Tracking

• Maintain accurate and up-to-date sales activity, pipeline status, and revenue forecasts within CRM systems.
• Monitor key performance indicators (KPIs), including fee income growth, product penetration, and client acquisition metrics.
• Provide regular reporting on sales performance and pipeline health.

Client Onboarding & Revenue Realization

• Partner with implementation teams to ensure timely and successful onboarding of treasury services.
• Maintain accountability for converting closed deals into active, revenue-generating relationships.
• Follow up post-implementation to ensure product adoption and identify additional sales opportunities.

Risk Awareness & Compliance

• Ensure all sales activities and treasury solutions adhere to regulatory requirements and internal policies.
• Maintain awareness of fraud risks and position appropriate solutions as part of the sales process.

Physical Activities Required to Perform Essential Functions

This work is moderately active and requires the following physical activities:

• Frequent bending, squatting, kneeling, stooping, walking, sitting, finger dexterity, feeling, repetitive motions, talking, hearing, and visual acuity.
• Frequent lifting (up to thirty-five pounds of equipment).
• Driving to company locations and other sites as needed.
• Work for sustained periods of time maintaining concentrated attention to detail.
• Must be able to visually distinguish between shades of colors.
• Must have access to travel routinely to meet at client locations as needed.

Accommodation may be made for some of these physical demands for otherwise qualified individuals who require and request such accommodation.

Working Conditions

• Work is performed in environmentally controlled and partially environmentally controlled rooms.
• Work may be performed in a very noisy room.
• May be exposed to heat and dust.

Knowledge, Skills, and Abilities

• Strong analytical and investigative skills with attention to detail
• Ability to identify patterns and anomalies in transactional data.
• Strong decision-making and problem-solving abilities under time-sensitive conditions
• High integrity and discretion in handling confidential information
• Strong verbal and written communication skills
• Good presentation skills
• Good negotiation skills
• Good interpersonal skills
• Able to work well with a wide range of people.
• Good problem-solving skills
• Good organizational and time management skills
• Strong sense of client service
• Thorough understanding of general banking guidelines
• Able to handle increased pressure situations on occasion.
• Able to make appropriate judgments based on Bank policy and procedures.
• Able to perform basic mathematical computations.
• Able to compute rate, ratio, and percentage.
• Able to interpret bar graphs.
• Proficient in Microsoft Office applications including Word, and Excel
• Able and willing to continue business skill development.

Education and Experience

• Bachelor’s degree in Finance, Accounting, Business-related field, or an equivalent combination of education and experience.
• 3–7 years of experience in treasury management, commercial banking, or financial services sales
• Demonstrated history of achieving or exceeding sales and revenue production goals.

Reporting

This position reports to the Director of Treasury Management.

Supervisory Responsibility

This role does not have supervisory responsibilities.

Work Environment

• This job operates in a clerical, office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.
• Office-based with frequent in-market travel for client meetings and business development
• High-performance, sales-driven environment with defined production goals and incentives

Position Type and Expected Hours of Work

This is a Full-Time position with typical working hours of Monday through Friday, 8:00 a.m. to 5:00 p.m. Hours and work shifts may change in accordance with business needs.

Reasonable Accommodation Statement

To perform this job successfully, an individual must be able to perform each essential duty listed below satisfactorily. Reasonable accommodation may be made to enable qualified individuals with disabilities to perform the essential functions.

AAP/EEO Statement

Prism Bank is an Equal Employment Opportunity Employer. Employment decisions are made without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or other characteristics protected by law.