Commercial Client Specialist

Location: Buckhead, GA

JOB SUMMARY: The Commercial Client Specialist is responsible for leading the onboarding of complex commercial deposit relationships referred by Community/Commercial Banking partners. This role serves as the point of contact for onboarding, coordinating the collection and validation of required documentation, analyzing complex ownership structures, and partnering with internal teams to ensure compliance with Know Your Customer and BSA AML requirements. The role delivers a high quality, efficient onboarding experience for commercial clients. Will serve as a catalyst to accelerate achievement of client business goals by ensuring Commercial/Community Bankers, clients and business partners are connected through arranged meetings, coordinating events, business development planning and scheduling.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Commercial Client Servicing / Onboarding

• Lead onboarding process for complex commercial deposit relationships


• Coordinate the collection and review of required documentation, including entity formation documents, signer authority, and beneficial ownership details


• Serves as a strategic coordinator for complex customers allowing bankers to grow, manage, and retain commercial client relationships


• Broad support across lending, deposits, servicing, reporting, and banker enablement


• Ensure onboarding packages are complete, accurate, and prepared for account setup and booking in accordance with bank standards


• Provide customer training and onboarding support


• Manage timelines and proactively resolve documentation gaps to reduce rework and delays


• Maintain clear status updates and documentation of decisions, approvals, and outstanding items throughout the onboarding process


• Analyze and document complex ownership structures, including layered ownership and multiple controlling parties


• Explain onboarding requirements in a clear and practical way to support a smooth client experience


• Accurately capture beneficial ownership and controlling person information in alignment with policy requirements


• Apply strong working knowledge of Know Your Customer and BSA AML requirements in the context of complex commercial onboarding


• Serve as an onboarding contact for complex commercial clients, setting clear expectations and providing consistent, professional communication


• Explain onboarding requirements in a clear and practical way to support a smooth client experience


• Coordinate client communications with the Relationship Manager as appropriate to maintain alignment and reduce friction

Relationship Building

• Exhibit consistent relationship building including, but not limited to:

• Prepare for various customer interactions


• Build rapport


• Confidently and proficiently explain Seacoast Bank products and services to customers internally and externally, as appropriate


• Exhibit good listening skills and speak clearly and persuasively in positive or negative situations.




• Quickly seek out appropriate partners in more complex financial matters.


• Embrace new technology and remain up to date on industry changes to create an open environment that fosters idea generation and innovation.


• Participate in community, charitable or civic events.


• Exhibit strong work ethics and teamwork, collaborating with other associates within the Commercial Bank and Community Bank to develop trusting and cooperative working relationships.

• Identify potential cross sell needs during onboarding conversations and route opportunities to appropriate One Team Partner when appropriate

• Build proficiencies with Treasury Management solutions and business lending needs.


• Display proficiency in Customer facing technology with the ability to discuss with and enroll customers in self-service products/processes


• Work collaboratively with leadership team to meet the needs of customers.

Operations

• Open and process accounts, perform account maintenance, adhering to the banks current policies and procedures, to include AML/BSA requirements. 


• Ensure adherence to AML/BSA requirements, audit procedures, dual control, security, Business Continuity, and all other regulated banking requirements.


• Responsible for reviewing and adhering to bank operational procedures and controls while communicating updates to associates.


• Follow instructions and responds to management direction to help resolve more difficult customer objections, and solves problems in a timely and positive manner to retain the customer relationship.


• Ability to analyze complex organizational structures, credit approval memoranda, etc.


• Adhere to Seacoast Bank’s Code of Conduct.


• Follow all safety and security procedures.

EDUCATION and/or EXPERIENCE:

• Bachelor’s degree in business, finance, accounting, or a related field preferred


• 3+ years in financial services, commercial, retail experience required.

• Experience in commercial onboarding, commercial deposit operations, commercial client service, or a related function within a financial institution


• Strong understanding of Know Your Customer and BSA AML practices as applied to commercial clients


• Strong communication skills with the ability to engage confidently with commercial clients and internal stakeholders


• Familiarity with treasury onboarding concepts and commercial deposit product structures


• Strong organization and attention to detail, including the ability to manage multiple onboarding processes simultaneously

• Able to work independently and exercise a high degree of initiative.


• PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position.  They are not intended to be an exhaustive list of responsibilities, duties, and skills.  Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry.  It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles.  This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities. 

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