Cash Management Officer

Job Type


Full-time

Description

Position Summary:


Responsible for identifying, analyzing, selling, and supporting deposit related products and services to current and prospective clients, such as Cash Management, Automated Clearing House (ACH), Remote Deposit Capture (RDC), Positive Pay, Merchant Processing services, ICS/CDARS, and Business Digital Banking services. Understands and completes job responsibilities in accordance with federal and state regulations.

Essential Functions:

Business Development 70%

1. Develop and execute strategic sales plans to identify target markets, generate new business, and grow existing client relationships.
2. Partner with lenders and internal teams to identify opportunities, deliver coordinated solutions, and enhance the overall client experience.
3. Drive performance against sales and portfolio goals, including new business development, revenue growth, client retention, and activity expectations.
4. Manage the full client relationship lifecycle, including onboarding, implementation, training, and ongoing support for Cash Management services.
5. Serve as the primary client contact, delivering a consistent, high-quality experience while maintaining proactive communication and responsiveness.
6. Lead implementation and client education efforts, ensuring accurate setup, effective use of services, and adoption of best practices.
7. Act as a trusted advisor, helping clients optimize cash flow, treasury processes, and operational efficiencies.
8. Identify and expand relationship opportunities by recommending additional products and solutions that deepen engagement and create value.
9. Monitor client activity and resolve issues, ensuring services are fully utilized and delivering intended results.
10. Contribute to team and organizational success by sharing insights, supporting growth initiatives, and building brand awareness through networking and community engagement.

Monitoring and Compliance Requirements 20%

1. Works in partnership with Digital Banking and Deposit Operations areas to review, maintain and enhance Cash Management policies and procedures
2. Ensures adherence with federal and state regulations
3. Follow regulatory requirements as it pertains to UMACHA, BSA/AML, Fair Lending and CRA

Additional Duties and Responsibilities 10%

1. Serves on bank committees as needed
2. Represents Cash Management in internal and external settings
3. Other job-related duties, necessary to carry out the responsibilities of this position

Requirements

Work Relationships and Scope:

Works regularly with clients and co-workers. Occasional contact with trade/professional affiliations and federal/state regulatory agencies. Works regularly with highly confidential business and client information. Occasionally participates in bank events.

Performance Dimensions:

Quality, accuracy, reliability, thoroughness and timeliness of work performed, and services provided to clients and co-workers; excellent knowledge of bank products and services; client satisfaction with services provided; keeps Bank and client information confidential. Demonstrates friendly and helpful approach and attitude toward internal and external clients; effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time. Understands and upholds Bank policies and procedures and applicable state and federal regulations; stays current in field and utilizes that information where practical; participates in training and appropriate professional development. Demonstrates professionalism, commitment to the job, and loyalty to the Bank.

Knowledge, Skills and Abilities:

A minimum of a two-year degree in finance, business or equivalent required, four-year degree is recommended. A minimum of three years' treasury management experience required. Demonstrates strategic sales knowledge selling to commercial clients, high level of Treasury Management product knowledge and innovation. Must possess excellent verbal and written communication skills; computer function and typing skills; strong organization and follow-up skills; basic mathematical skills up to and including fractions; legible handwriting. Must possess ability to deal effectively with time pressures and stress that can change hourly depending on level of client activity; effective problem solving and research skills. Must have knowledge of credit and operational risk ability to quantify potential exposure and advise team.

Working Conditions:

Work is performed largely in an office environment with minimal chance for personal injury. Regular contact with clients and co-workers. Occasional out-of-town and overnight business travel (air or auto) required for business and education. Regular mental and visual concentration for computer usage is required. Regular use of telephone; frequent repetitive use of keyboard for approximately four hours per day. Receive and provide detailed information through verbal and written communication. Requires near, mid-range, and far vision. Will alternate sitting, standing, and walking throughout work shift. Bend, turn, lift and carry up to 20 pounds of documents and office supplies. Climb stairs. Hours of work are generally during regular business hours and average at least 40-45 hours a week. There will be some variation in work hours due to special projects, deadlines, community events, security calls, and other concerns.

Equipment Used:

Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet, and other bank specific software. Operates Jack Henry Experience / Synergy on the core system. Utilizes a variety of office equipment including computer printer, ten-key calculator, fax, copy machine, and multi-line telephone.

Acknowledgement:

I understand that this job description describes the general nature and level of work performed by co-workers assigned to this position. It does not state or imply that these are the only duties and responsibilities assigned to the job and does not create an employment contract. I also understand that I may be required to perform other job-related duties as requested by management. All requirements are subject to change over time, within management's sole discretion, and to possible modification to reasonably accommodate qualified individuals with a disability.

EEO/AA Employer/Vets/Disability