Commercial Card Specialist

Summary Of The Job

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.

The FNBO Commercial Card Specialist role is responsible for partnering with FNBO Payment Advisors, Relationship Managers and other internal FNBO partners to source, identify, size and solution in‑footprint Commercial Card prospects/customers, as well as manage the accounts post‑implementation. This role is pivotal in fostering strong and lasting relationships between the company and its key customers. The specialist will understand customers’ business needs, identify new and cross‑sell opportunities, and ensure delivery of high‑quality products or services.

The specialist will maintain up-to-date knowledge of FNBO products, key vendors and partners to develop strategies for continual improvement of results and service delivered to customers— e.g., reducing customer expenses, identifying efficiencies throughout the procure‑to‑pay cycle, creating cash‑on‑hand solutions, and automating manual invoicing and payment processes. The specialist will report directly to the Sales Management Leader and work closely with leadership, Relationship Managers, Payment Advisors, Agent Bank Partners, Agent Bank BD Team, Sales Support and other relevant roles and departments within the organization.

Collaboration and partnership must be a critical strength for this individual.

• Actively identify business opportunities for new and existing accounts.
• Build and maintain a strong pipeline using available and relevant tools and data.
• Monitor and negotiate contract terms and pricing to maximize profitability while ensuring customer satisfaction.
• Work with partners to align on revenue targets and build strategies to meet those targets.
• Achieve and exceed retention and cross‑sell targets and growth goals for assigned accounts.
• Identify growth opportunities within accounts and collaborate with internal teams to develop strategies to capitalize on them.

• Develop and maintain strong, trust‑based relationships with key customers.
• Act as a main point of contact for all matters concerning assigned accounts.
• Regularly communicate with customers to understand their evolving needs, challenges, and objectives.
• Know customer objectives, key strategies, and leaders and stakeholders such that you are able to collaborate in further refining those strategies and developing specific initiatives and solutions that will enable the customer to achieve their objectives.

• Accurately complete all related sales paperwork and documentation to ensure a smooth transition for new customers boarding.
• Partner closely with the implementation teams to ensure flawless execution of new customer setups, training, and onboarding for products.
• Create and execute comprehensive account plans aligned with customers’ business goals and company objectives.

• Monitor customer satisfaction levels and address any issues or concerns promptly and effectively.
• Anticipate potential risks or issues and proactively address them to ensure customer satisfaction and retention.
• Proactively identify areas for improvement and implement solutions to enhance the customer experience.
• Develop strategies to increase customer retention and minimize churn.
• Timely follow‑up and seamless execution of initiatives.

• Collaborate closely with internal teams such as leadership, Agent Bank partners, Payment Advisors, sales, product development, marketing, and customer servicing to deliver integrated solutions that meet customers’ needs.
• Serve as the voice of the customer within the organization, advocating for customer priorities and requirements.

• Lead contract negotiations and annual reviews as required, ensuring terms are favorable to both the customer and the company.
• Discuss upcoming annual reviews, contract end dates and other critical items in a timely manner and explore…