Job Description

Position Summary The Treasury Management Officer is responsible for developing, expanding, and servicing Treasury Management relationships with business, municipal, and nonprofit customers and prospects. This role provides consultative guidance to identify customer needs, recommend appropriate deposit, cash management, payment, fraud prevention, and digital banking solutions, and supports the growth of core deposits and fee income. The officer works closely with Commercial and Agricultural Lenders, Regional and Branch Management, Treasury Management Support, Digital Banking, and other internal partners to ensure a consistent, professional, and customer‑focused experience from prospecting through onboarding and ongoing relationship management. Duties Develop and maintain a pipeline of Treasury Management prospects and existing customer growth opportunities. Collaborate with Commercial and Agricultural Lenders, Regional Managers, Branch Managers, and other bank staff to identify business, municipal, and nonprofit opportunities. Conduct proactive calling efforts with customers and prospects to uncover needs related to deposits, payments, receivables, disbursements, fraud prevention, and operational efficiency. Provide consultative recommendations for Treasury Management solutions, including but not limited to ACH origination, wire transfers, remote deposit capture, positive pay, ACH alert, sweeps, business digital banking, merchant services, and other related services. Prepare and deliver professional sales presentations, proposals, pricing recommendations, and product demonstrations tailored to customer needs. Assist customers and prospects in understanding business deposit products, digital banking tools, Treasury Management services, implementation requirements, pricing, and risk considerations. Coordinate onboarding and implementation activities with Treasury Management Support, Digital Banking, and other internal teams to ensure a smooth customer experience. Complete or coordinate required agreements, service documentation, implementation forms, risk reviews, and internal approvals in accordance with bank policy and procedures. Perform ongoing relationship management, including customer follow‑up, annual reviews, service assessments, and identification of additional needs or opportunities. Monitor customer satisfaction, service utilization, and relationship profitability, and recommend changes or enhancements when appropriate. Maintain current knowledge of Treasury Management products, deposit services, fraud trends, payment systems, industry best practices, and applicable regulatory requirements. Support internal education by providing Treasury Management guidance, product awareness, and referral support to lenders, branch teams, and other bank departments. Represent First Farmers Bank & Trust professionally in the community, at customer meetings, and during business development activities. Maintain accurate sales activity, pipeline, customer contact, and referral records as required by management. Identify referral opportunities for other First Farmers Bank & Trust lines of business, including Commercial and Agricultural Lending, Retail Banking, Raymond James, and other appropriate partners. Assist with customer education, financial literacy events, seminars, and other business development initiatives as needed. Perform other duties as assigned. Relationships / Qualifications Responsible to the VP, Director of Treasury Management for all duties assigned. Bachelor’s degree in business, finance, accounting, or a related field preferred; equivalent banking or Treasury Management experience may be considered. Minimum of three years of banking, business development, commercial banking, deposit services, or Treasury Management experience preferred. Strong understanding of business deposit products, payment systems, digital banking services, fraud prevention tools, and Treasury Management solutions preferred. Demonstrated ability and willingness to call on customers and prospects, develop new relationships, and expand existing relationships. Strong sales, relationship management, and consultative problem‑solving skills. Excellent verbal, written, and presentation communication skills. Superior customer service skills with the ability to build trust and provide professional guidance to internal and external customers. Ability to manage multiple priorities, deadlines, customer requests, and implementation details in an organized and timely manner. Ability to work collaboratively with lenders, branch teams, operations, digital banking, compliance, and other departments. Proficient in Microsoft Office and comfortable learning bank systems, digital platforms, and Treasury Management applications. Results oriented with a focus on relationship growth, customer retention, service quality, and operational efficiency. Strong attention to detail and commitment to following bank policies, procedures, compliance requirements, and risk management standards. Professional, dependable, and able to represent First Farmers Bank & Trust in a positive manner. Working Conditions Normal office environment. Extended viewing of computer screens. Moderate lifting up to 25 pounds. Repetitive hand and arm movement. Moderate business travel for customer calls, internal meetings, community events, and business development activities. Benefits Overview Health & Wellness Medical Insurance (eligible on date of hire) with options for High Deductible Health Plan (HDHP) and Co‑Pay Plan. Vision Coverage. Dental Coverage. Prescription Plan. Wellness Incentive – earn up to $25 per pay period toward premium reduction. Financial Security Life & Accidental Death & Dismemberment Insurance – 100% employer‑paid. Short & Long‑Term Disability Insurance – 100% employer‑paid. 401(k) Plan. Profit Sharing Stock Option. Health Savings Account (HSA) contributions for HDHP participants. Paid Time Off Vacation time. Sick Time. Personal Day. 11 Paid Holidays. Paid Bereavement. Additional Benefits Paid time to volunteer (when representing FFBT and supervisor approved). Voluntary Donated PTO Program. Employee Assistance Program. Travel Assistance Program. Educational Assistance Program. Corporate Discounts. Employee Referral Program. Stock Purchase Loan Option. Retirement Plan Counseling. Wellness Program. Gym Reimbursement. Employee Quarterly Recognition Program. AFLAC supplemental benefits. Cincinnati Life supplemental coverage. Family Medical Leave. Paid Bereavement Leave. Maternity Leave Policy. Salary: $55,000-65,000 per year. First Farmers Bank & Trust promotes an equal employment opportunity workplace which includes reasonable accommodation of otherwise qualified disabled applicants and employees. Please see your HR Director should you have any questions about this policy or these job duties. #J-18808-Ljbffr

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