At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.Our Modern, Flexible Workplace:We believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to work from anywhere at any time, allowing for more flexibility in where and how you work. We know that choice and flexibility are important to you. We also recognize that flexible and remote positions can become opportunities for military partners, caregivers, and individuals with disabilities to thrive at our company. We invite you to consider what a Modern, Flexible Workplace can mean for you!It is anticipated that an incumbent in this role will work remotely for three (3) or more days a week and will share a hoteling workspace when working onsite. Work location is subject to change based on business needs.Summary of the Job:The Decentralized Commercial Card Relationship Manager supports a portfolio of assigned commercial card Tier 1 strategic clients. The Decentralized Relationship Manager is responsible for the quality, health, growth and profitability of the company’s relationships with its clients by ensuring that our services and solutions are delivered in alignment with that client’s objectives and key strategies. This role will be responsible for optimization of large business commercial card programs in the areas of efficiency, cost savings, and profitability to the client and the bank. Success is measured in client satisfaction, retention, growth, and profitability.About This Role:
Know client objectives, key strategies, and leaders and stakeholders such that the RM is able to collaborate in further refining those strategies and developing specific initiatives and solutions that will enable the client to achieve their objectives
Collaborate with internal and client stakeholders in the successful execution of strategies, programs, and initiatives
Calculate return-on-investment metrics related to card programs to ensure initiatives meet the client’s goals and expectations
Analyze clients’ accounts payable files, billing and payment processes, expense patterns, card spend behaviors, and other KPIs to identify trends and growth opportunities
Conduct quarterly/annual program reviews remotely with clients and partners
Communicate to internal stakeholders the overall program objectives and strategies for the account and outline clear product recommendations and timeframes to implement
Collaborate effectively with all delivery teams and ensure productive two-way communication flow exists
Communicate often with clients to ensure smooth operation of all solutions, enablement campaign progress, and other day-to-day activities required to meet the client’s objectives
Maintain frequent follow-up activities to ensure that any work performed is executed within set deadlines and within client’s expectations
Partner closely with Lending and Treasury partners on client needs and prioritization of meetings and communications, as well as to drive profitable growth through new cross sales and expansion of existing commercial card capabilities.
Maintain knowledge of FNBO products and services, as well as those of key vendors and partners, and develop strategies for how to continually apply them to evolve and improve the quality of results and service delivered to a client (ex: reducing client expenses, identifying areas for efficiency gains throughout the procure-to-pay cycle, finding creative solutions to cash-on-hand and working capital for clients, automation of manual invoicing and payments processes, etc.)
Solve complex problems and recommend creative solutions and/or best practices to drive continuous account development
Manage to and meet KPIs and growth goals
Articulate a thorough understanding of procurement and accounts payable processes, and which products and services to integrate to maximize clients’ programs
Maintain current knowledge of the competitive environment to stay aggressive in the marketplace
Maintain and extend key relationships at multiple levels with all assigned clients – i.e., Directors, Purchasing Managers, CFOs, VPs, SVPs, EVP etc.
Create and deliver presentations on overall portfolio performance, including revenue drivers, challenges, analysis of performance, and strategy to realize further growth
(Re)Negotiate program terms and contractual agreements with existing clients and partners. Present pricing proposals to CAC committee for approval
Manage relationships with key agent bank partners to build loyalty and trust, influence key stakeholders, and build consensus with decision-makers to foster additional business and agent bank engagement
Organize quarterly in-market events with Lending and Treasury partners
The Ideal Candidate for This Role:
Bachelor’s Degree in Business or Finance preferred, or equivalent working experience in related field
5+ years of Relevant experience working in an Account/Relationship Management-related field with Credit Card, Retail Banking, or Commercial Banking knowledge
Experience in Commercial Credit Card/Commercial Banking preferred
Ability to manage competing priorities and multiple tasks simultaneously
Highly organized with strong time management skills
Excellent written and verbal communication skills
Ability to effectively and professionally deliver difficult or sensitive information to internal and external customers
Highly proficient in MS Word, Power Point, and Excel Spreadsheets
Strong analytical skills
Strong problem-solving abilities
Strong interpersonal communication with ability to work with various levels of management both internally and externally
Self-motivated team player with vision and initiative
Ability to work independently without much supervision
Experience working in a sales-driven environment
Desire and ability to travel often
Demonstrated effective planning, organization, detail oriented and time management skills, and the ability to multi-task while meeting deadlines
Knowledge of applicable credit card Networks rules and regulations
Compensation:Compensation range (base pay): $93,977.00-$159,762.00Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.Benefits Overview:We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/ .For additional information regarding compensation and benefits, e-mail FNBO at TAGAdmin@fnni.com . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.Job number: R-20241154Equity, Diversity, & Inclusion:FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations. To accomplish this, we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact. FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce.See the full FNBO Equity, Diversity, & Inclusion Statement here (https://www.fnbo.com/about-us/inclusion-diversity/)All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeoposter.pdf) to download 'EEO is The Law' Self-Print PosterClick here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeoposterfederalcontractors.pdf) to download 'EEO is The Law' Supplement for Federal ContractorsClick here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeoposterginasupplement.pdf) to download 'EEO is The Law' GINA SupplementFNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDICFNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)Application Deadline:All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
