At least 7 – 10 years of broad based sales experience within Commercial Dealership Sales (Floor Plan, Real Estate or Treasury Loans, etc.) or Sales Experience within the Dealer Captive Market again focusing on the commercial market.
Requires extensive experience in financial analysis and a thorough understanding of dealership financial statements
Ability to accurately review and opine on the strength/weaknesses of the client's Income Statement and Balance Sheet reporting with emphasis on cash flow and liquidity
Astutely can assess the current and historical financial condition of a company by analyzing ratios, the asset conversion cycle, and cash flow and can identify all of the critical elements for loan structuring
Understands clients’ business strategies and their needs
Expertly applies sound accounting principles to spreading financial statements and analyzing credit
Leverages relevant technology, tools and resources to maximize the financial management of the business
Brings in partners at the appropriate time to support a sales opportunity
Knows where to find industry information and uses the data to effectively pre-call plan
Leverages an in-depth knowledge of the customer's/client's business to uncover needs in order to deliver the appropriate bank solution
Desire to sell not only core Treasury and Credit services, but also to drive responsible growth through the successful implementation of a broad array of solutions including – Financial Life Benefits, GWIM solutions, and advanced Digital capabilities.
Desired Skills:
Undergraduate degree in related field or equivalent work experience
Existing knowledge of the market preferred
Demonstrates flexibility and openness to new ideas and to change; adapts to changing environments, situations, and job responsibilities
Negotiates effectively by managing client expectations around deals (overcoming objections)
Capitalizes on unexpected events or circumstances and turns them into sales opportunities
Identifies and openly shares cross-selling opportunities with partners; influences internal partners/contacts to refer business