Merchant Services Sales Representative 3

Primary Office Location:
409 North 2nd Street. Harrisburg, Pennsylvania. 17101.

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Merchant Services Sales Representative 3

Position Overview
FNB Merchant Services is focused on expanding relationships with business clients by delivering innovative payment solutions that support growth, efficiency, and an exceptional customer experience. The Merchant Services Sales Representative 3 is responsible for developing new business opportunities, managing client relationships, and serving as a trusted advisor on payment acceptance strategies. This role partners with small business, commercial, and middle-market clients to recommend customized merchant services solutions that help organizations streamline operations, improve cash flow, and support long-term growth.

Primary Responsibilities

- Business development and sales: Identify, prospect, and acquire new small business, commercial, and middle-market clients. Conduct consultative sales discussions to understand business objectives, payment acceptance needs, operational challenges, and growth opportunities.

- Solution design and presentation: Develop and deliver customized proposals that include payment processing, point-of-sale (POS) solutions, integrated payments, eCommerce capabilities, and value-added merchant services.

- Revenue growth: Consistently achieve or exceed sales, revenue, portfolio growth, and client acquisition goals through proactive business development activities.

- Strategic relationship management: Serve as a trusted advisor to business owners, executives, and financial decision-makers. Build long-term relationships that deepen client engagement and expand wallet share.

- Portfolio management: Manage and grow an assigned portfolio of merchant clients by identifying opportunities for retention, expansion, and increased customer satisfaction.

- Payment solutions expertise: Maintain a strong understanding of payment processing, card acceptance, digital payments, fraud mitigation strategies, interchange optimization, and emerging payment technologies.

- Client consultation: Analyze client payment environments and recommend solutions that improve efficiency, enhance the customer experience, and reduce payment-related costs.

- Cross-functional partnership: Collaborate with implementation, operations, treasury management, relationship management, and client service teams to ensure a seamless client experience from onboarding through ongoing support.

- Market leadership: Stay informed on industry trends, competitive offerings, regulatory developments, and emerging technologies affecting the payments landscape.

- Community and networking engagement: Represent FNB at industry events, networking functions, and community activities to build brand awareness and generate new business opportunities.

What We're Looking For

- Proven success in business development, consultative sales, and relationship management within merchant services, payments, treasury management, or commercial banking.

- Strong understanding of payment processing environments, card acceptance solutions, and business payment workflows.

- Ability to communicate complex payment concepts and technology solutions in a clear, client-focused manner.

- Demonstrated experience building relationships with business owners, executives, and key decision-makers.

- Strong presentation, negotiation, and closing skills with a results-oriented mindset.

- Ability to manage multiple priorities while maintaining a high level of client service and responsiveness.

Preferred Qualifications

- Experience selling integrated payment solutions, treasury management services, or commercial banking products .

- Knowledge of payment processing economics, interchange, card network operations, and merchant acquiring solutions .

- Established network of commercial business relationships within a local or regional market.

- Experience utilizing CRM platforms and sales performance tools to manage pipelines and client activity.

- Familiarity with emerging payment technologies, digital commerce solutions, and fraud prevention strategies.

Position Title: Merchant Services Sales Representative 3
Business Unit: Treasury Management
Reports To: Manager of Merchant Services

Position Overview:
Focuses on utilizing referrals from Treasury Management Sales Representatives, commercial lenders and branch personnel to sell merchant services. The incumbent is required to have 7 or more years experience in the industry. Obtains accounts that may lead to business customers moving their entire banking relationships to the corporation and increasing fee income. The incumbent is responsible to work independently to provide excellent customer service and complete the sale.

Primary Responsibilities:
Performs the sales function throughout the assigned region of the Bank. Acts upon referrals and makes initial in person client contact to review processing options, develop pricing proposals and follows up with clients to close sales and manage implementation processes.
Develops solid working relationships with Treasury Managements sales staff, commercial lenders and relationship managers to strategize options for various FNB products/services. Attends FNB market managers meetings.
Determines appropriate level of product pricing for clients which balances meeting competitive situations and the corporation's margin objectives.
Independently determines an appropriate level of product pricing. Also approves pricing for subordinates.
Utilizes shared files including pricing and proposal information. Each sales rep is responsible for tracking monthly goals including sales, referrals, income, etc. Reports findings monthly to Team Lead or Manager.
Manages their portfolio of high volume merchants. Establishes high volume accounts to meet in person annually.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation’s risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Education:
BA or BS

Minimum Years Experience:
7

Special Skills:
Detail-oriented
Excellent communication skills, both written and verbal
Excellent customer service skills
Ability to use general office equipment
Ability to use a personal computer and job-related software
MS Word - Basic Level
MS Excel - Intermediate Level
MS PowerPoint - Basic Level
BA or BS preferred. Experience in general banking.

Special Licenses and Certificates:
N/A

Physical Requirements:
Frequent driving (car, van, truck)

Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.