Treasury Management Analyst

Mountain Commerce Bank is an Equal Opportunity Employer.

All the relevant skills, qualifications and experience that a successful applicant will need are listed in the following description.

The goal of Mountain Commerce Bank (MCB) is to hire individuals with strong ethics, great experience, and positive, professional energy.

Every Team Member is an important part of our foundation, and we understand that those people create success for our company, our shareholders, and our clients.

To attain that success, MCB seeks to provide Responsive Relationship Banking banking that provides clients with the familiarity, flexibility, and energetic hometown customer service you expect from a community bank, backed by the latest technology and wide offering of financial products and services that you find in a big bank.

Our best resource for growing our market and meeting our high expectations for service is our people. People create the relationships that build trust, understanding, and excellence.

General Function :

Analyze data, research, and manage treasury services issues and situations for MCB and clients. Provide customer service, equipment installations, technical support, and training to the Bank's clients who use Treasury / Cash Management products, such as online banking, Remote Deposit Capture, ACH, etc.

Maintain communication with Operations, Relationship Managers, and other departments to provide internal support and assistance with Treasury Management clients.

Implement client service agreements and setups, customer reviews, file maintenance, service requests, annual reviews, review / adjust risk ratings, etc.

Ensure timely follow up and verification of information and appropriate handling of accounts and agreements. Review, monitor, and verify daily reports.

Essential Functions :

Treasury Management Analysis

• Generate and review analysis statements, and ensure that corrections are made prior to customer distribution. Assist in preparing for and presenting information.
• Assist with the regular review and monitoring of Treasury Management client relationships with regard to risk exposure, fraud, and compliance.

Ensure that products, services, and agreements are maintained, updated, and documented properly.

Ensure that customer user guides are complete, appropriate for the client / products, and up-to-date with system changes, enhancements, and upgrades.

Ensure that clients and internal staff have consistent access to the necessary information.

Take initiative, research, develop, plan, review, monitor, and complete projects as assigned.

Treasury Management Sales

• Prepare professional and accurate Treasury Management proposals and analysis in conjunction with the Bank’s pricing and service offering guidelines.
• Assist Relationship Managers in identifying opportunities and provide information on products, services, and unique applications.
• Work with lending teams to sell and cross-sell bank products through referrals, customer calls, relationships, and other methods, as appropriate.
• Maintain and enhance current Treasury Management client relationships and identify business development opportunities for new clients.

Treasury Management Operations

Monitor reports of Treasury Management account activity, both internal and external, including Positive Pay, RDC suspended items, commercial treasury management functions, bill pay, ACH and other transactions, exceptions and errors, risk exposure, fraud, compliance, source documents, file maintenance, etc.

Address issues as needed.

• Monitor and review assigned daily activity reports for Treasury Management staff, verify logging of file maintenance, and assist with issues as needed.
• Provide support and assistance with annual file reviews, new account setup, contract implementation, training, system issues, migrations, application changes, system upgrades, third party product implementation, and other departmental functions.

Ensure that files are up-to-date with contact information, documents, financials, credit and risk ratings, exposure limits, agreements, schedules, etc.

• Communicate with Treasury Service and other staff members regularly to ensure that all issues are addressed, verified, monitored, communicated, and handled appropriately and timely, with regard to exceptions, maintenance, completion, risk exposure, fraud, compliance, and other issues that should be communicated to management.
• Assist with new, used, and damaged equipment inventory and maintenance, including RDC scanners and other equipment. Prepare, log, clean, test, inventory, coordinate repair and warranty fulfillment, maintain equipment records and agreements, etc.

Remove non-working equipment and notify management of equipment availability, issues, inventory, repair status, etc.

• Maintain and conduct annual file review of all Treasury Management files for financials, credit ratings, BSA and product risk ratings, exposure limits and all customer agreements and schedules are current.
• Retrieve and prepare reports and updates for review, meetings, audits, and exams as required.

Treasury Management Client Service and Support

Respond to calls, emails, etc. to provide proactive customer service, product and operational information, training, assistance, and technical support to clients and internal Team Members.

Analyze, troubleshoot, submit requests to appropriate individuals, and resolve customer inquiries in a timely manner.

• Assist clients with courier setup, onboarding, maintenance, agreements, and communication. Communicate with appropriate courier service regarding agreements, issues, cash / coin orders.
• Assist with communications of Treasury Management and client systems functions as needed, including system changes, website adjustments, electronic product implementation and processes, issues, downtime, fraud potential, compliance, etc.

Compliance

• Diligently protect confidential information, and assist the Bank in ensuring that all confidential and sensitive information is handled appropriately.
• Maintain an active awareness and understanding of policies, procedures, designated authorities, regulations, and laws, including but not limited to, the Bank Secrecy Act, Anti-Money Laundering Act, etc.

Follow these at all times.

• Communicate openly with supervisors and other management about policies, procedures, work conduct, and job functions. Ask questions to clarify any uncertainty in issues.
• Address and report suspected violations of policy, procedure, Bank Secrecy Act, Anti-Money Laundering Act, and other laws and guidelines, as outlined in the Code of Conduct.

Reported information will be kept confidential.

Participate in training sessions and policy updates as necessary. Assist with coordination of scheduling as appropriate.

Other

• Ability to work scheduled and other needed hours at the designated location(s).
• All Team Members should provide consistently positive, effective, helpful service to all customers, both internal and external.
• Assist other managers or Team Members as needed.
• Management or Bank policy may revise, delete, or add responsibility as necessary.

Activity

• Ability to operate office equipment, telephones, and computers.
• Ability to communicate fluently in English, in person, in writing, and on the computer.
• Ability to hear, speak, and understand verbal communication.
• Ability to read, write, count, and perform basic math functions.
• Ability to move head, shoulders, neck, and arms freely (e.g. operation of office equipment).
• Ability to use manual dexterity and fine manipulation for operating a keyboard, using equipment, filing, etc.
• Ability to lift up to 15 pounds, grasp, reach, and pull.
• Ability to think, remember, learn new information, and apply cognitive data to job functions.
• Ability to assess and concentrate on mental and physical job tasks to see them to completion.
• Ability to drive oneself independently for travel between locations.
• Ability to present information to groups in an understandable format or fashion.

Qualification Requirements :

• Associate’s degree or equivalent work experience.
• Experience with cash management and / or retail or operational banking.
• Strong sales, negotiation, interpersonal, verbal, written, and telephone communication skills.
• Tact and pleasantness in dealing with customers and Team Members.
• Strong analytical and critical thinking skills.
• Proficiency with Word and Excel.
• Strong time management, organizational, planning and presentation skills.

Preferred Qualifications :

• Bachelor's degree in a business-related field.
• 2-4 years experience in treasury management or business banking.
• Certified Accredited ACH Professional (AAP), Accredited Payments Risk Professional (APRP), National Check Professional (NCP), Certified Treasury Manager and / or Certified Treasury Professional Certification (CTP).
• Ability to generate ideas, identify and drive the development of new business.
• Extensive experience with Treasury Services products, services, and functions.
• Experience with basic technical troubleshooting.

Equal Opportunity Employer, including disabled and veterans.

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