Client Specialist Job Description

A client profile with a stale source of wealth, or a loan package missing its UCC search, can stall an approval and draw findings in a Know Your Customer or anti-money laundering review. In banking and wealth management, those gaps usually trace back to the servicing desk behind the Relationship Manager. The Client Specialist closes them. This person owns the documentation, due diligence, and same-day service work on an assigned book of clients, so relationship managers can keep selling while every account and credit file stays ready for audit and regulatory examination.

Client Specialists in financial services are accountable for keeping each assigned client relationship accurate, compliant, and responsive, so that deposits are retained and loans close within expected service levels. Working within a banking or wealth team, the specialist handles the servicing side of a shared book and reports to the Relationship Manager or sales management, who owns revenue.

Career Impact: Hands-on work with Know Your Customer reviews, loan closing files, and Series 7 or 63 registrations gives candidates credentials that banks and wealth firms recognize.

Business Impact: Accurate due diligence and same-day responses protect deposit retention and keep small business loans moving from approval to booking without exceptions.

Growth Opportunity: Specialists who master credit policy and pricing models are commonly prepared to step into Relationship Manager or senior private client roles.

• Complete scheduled periodic reviews of client profiles, updating source of wealth, source of funds, and intended account use.
• Respond to client service requests by phone and email within the same business day.
• Perform due diligence searches, including UCC, tax lien, title, flood certification, and OFAC checks, for new credit.
• Prepare loan documentation and closing packages that adhere to bank credit policy and approved credit terms.
• Process client transactions, including draws, paydowns, transfers, wires, and stop payments, within daily deadlines.
• Coordinate closings with relationship managers, credit partners, outside counsel, title companies, and loan servicing teams.
• Monitor overdrafts, past-due payments, maturities, and collateral exceptions, escalating resolutions to the relationship manager.
• Identify cross-sell opportunities for deposit and loan products and refer investment needs to licensed representatives.

• Bachelor's degree in finance, business administration, or accounting, or equivalent work experience.
• 1 or more years of banking operations or client service experience, with loan documentation or account servicing exposure.
• Working knowledge of Know Your Customer and anti-money laundering requirements applied to account opening and client reviews.
• Ability to read and interpret title commitments, collateral reports, and legal loan documents with accuracy.
• Strong organizational skills with close attention to detail across multiple deadlines, active pipelines, and client files.
• Excellent written and verbal communication skills with clients, outside counsel, auditors, and internal credit partners.
• Proficiency with office productivity and spreadsheet applications for daily reconciliation, tracking, and client reporting.
• Ability to work independently, manage competing priorities, and take ownership of tasks with minimal supervision.

• Series 7 and 63, 65, or 66 registrations, or the ability to obtain them within a defined period after hire.
• Bilingual fluency in English and Spanish, written and conversational, for serving a diverse client base.
• Paralegal certificate or title company experience supporting commercial or small business loan closings.
• Knowledge of investment markets, asset classes, and banking and credit products used by affluent clients.

• Periodic client review completion rate, showing on-time KYC profile refreshes against schedule.
• Percentage of client requests resolved within one business day, reflecting servicing responsiveness.
• Percentage of loan closings met within expected service levels, tracking documentation turnaround.
• Count of open collateral and documentation exceptions, measuring file readiness before booking.
• Deposit retention rate and cross-sell referrals per quarter, reflecting relationship upkeep.
• Typical tools: Office productivity suites (commonly Microsoft Excel or Microsoft Word).

• Base Salary Range: $45,000 to $68,000 per year, higher in major metro markets
• Bonus: Annual incentive of 3% to 10% of base, tied to service and referral goals
• Equity: Usually none, though some larger banks offer discounted employee stock purchase plans
• Health Benefits: Medical, dental, and vision coverage with employer premium contribution and HSA option
• PTO: 15 to 20 days annually plus federal banking holidays
• Common Perks: 401(k) match, tuition reimbursement, and sponsorship for securities licensing exams

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Offers of employment are contingent on a satisfactory background check, which for client-facing banking roles includes a review of credit history where permitted by law. Candidates must be authorized to work in the United States. All qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by federal, state, or local law. Reasonable accommodations under the Americans with Disabilities Act are available on request.

The Client Specialist delivers banking services to an assigned client base, completing periodic profile reviews that update source of wealth and source of funds while growing deposits through cross-selling of savings accounts, certificates of deposit, and loans. Reporting to Sales Management, the Client Specialist refers investment needs to licensed representatives and keeps accounts current for retention.

Key Responsibilities

• Clearly articulate the value proposition (products and services).
• Effectively and timely attend to client service requests received via telephone or email.
• Channel client service requests to appropriate service team(s).
• Meet or exceed revenue goals by increasing and retaining deposits and by cross-selling additional banking products such as Certificates of Deposit, Savings Accounts, and Loans.
• React to client needs for investment products by referring such clients to licensed investment representatives.
• Reach out to prospective clients to sell private banking services.
• Complete scheduled periodic reviews of client profiles, with heavy emphasis on updating source of wealth, source of funds, and information related to the intended use of their accounts.
• Complete unscheduled client reviews such as account activity and balance fluctuation inquiries.
• Complete client contact campaigns as defined by Sales Management.
• Support ad hoc initiatives/projects as required by Sales Management.

Required Qualifications

• Bachelor's Degree/University degree or equivalent experience.
• 2 to 4 years of experience as a Personal Banker preferred.
• Previous sales/branch experience, as required by the business.
• Basic understanding of Know-Your-Customer and AML concepts applicable to the Financial Services industry preferred.
• Fluency in English (excellent) and Spanish (advanced conversational and written).

Embedded within a loan servicing team, the Client Specialist owns daily cash reconciliation, loan characterization tie-outs, and trade and wire processing for loan clients, supporting the Relationship Manager with oversight of client relationships. Working closely with auditors, underwriters, CLO managers, and private debt managers, the Client Specialist keeps daily trading activity accurate and helps improve daily workflows for the servicing operation.

Core Functions

• Support the Relationship Manager with oversight of client relationships.
• Perform daily cash reconciliation, daily and monthly tie-outs of loan characterization in conjunction with clients.
• Liaise with auditors, underwriters, CLO managers, private debt managers, and other parties involved.
• Assist with global asset setup and maintenance.
• Perform trade and wire processing for daily trading activity.
• Strategize, recommend, and implement innovative ideas for improved daily workflows.

Qualifications & Experience

• Bachelor's Degree (or Master's) in Finance, Business Administration, or Accounting.
• Experience with exposure across the entire lifecycle of servicing loan clients, including account setup, KYC procedures, global asset setup and maintenance, notice processing, warehouse reporting, CLO/Compliance Reporting, and waterfall payments.
• High proficiency in Microsoft Office and SQL.
• Exceptional organizational skills with an attention to detail.
• Excellent interpersonal and analytical skills with a strong balance of qualitative and quantitative skills.
• Demonstrated ability to work as part of a team as well as contribute on an individual basis.

Reporting to management in a business-to-business sales organization, the Client Specialist builds accurate sales quotations and orders for new product and services business while answering client inquiries by phone and email. Partnering with assigned Account Managers, the Client Specialist provides historical pricing analysis that frees them for field meetings and supports gross margin objectives.

Primary Duties

• Support assigned Account Managers by producing accurate and timely sales quotations for new product and services business using Salesforce.com (CRM system).
• Provide outstanding and enthusiastic client service and communication both by phone and email.
• Respond quickly and accurately to requests from internal resources as well as outside clients.
• Prepare and submit accurate orders to purchasing.
• Help ensure deals are registered through partnership with the Deal Registration Desk.
• Provide system reporting or analytics to the Account Manager, operations, and management upon request.
• Multi-task ongoing activities from multiple people in a fast environment while producing accurate and timely new business quotations for products and services.
• Develop and retain product and industry knowledge to be used to identify expertise.
• Provide historical pricing analysis to Account Manager upon request.
• Act as liaison between Account Manager and operations/services organization.

Skills & Qualifications

• Associate's Degree (A.A.) or equivalent from a two-year college or technical school, or six months to one year related experience and/or training, or equivalent combination of education and experience preferred.
• 2 or more years of experience in a Business-to-Business Sales/Client Services role required.
• 2 years of experience in the technical or information technologies industry preferred.
• Intermediate-level experience with Microsoft Office, specifically Microsoft Outlook, Word, and Excel, and internet navigation required.
• Prior experience in Client Relationship Management software (CRM) required; Salesforce.com experience preferred.
• Ability to work in a sales partnership setting, where workflow is determined by incoming requests, required.
• Superior organizational skills, independent judgment and functional arithmetic skills.
• Ability to build relationships and trust with internal and external partners/clients.
• Committed to developing knowledge and experience.
• Ability to prioritize tasks to align with particular deadlines.

Sitting at the intersection of account retention and desktop sales, the Client Specialist owns a desktop book of business and the end user relationship for news and data content sold into financial markets. Operating across client sites, the Client Specialist runs product and content campaigns, shares competitive intelligence, and passes customer feedback to product managers and business managers to protect retention and growth.

Duties

• Take total ownership and responsibility for desktop book of business and the end user relationship.
• Maintain desktop retention and growth through dedicated face-to-face customer engagement.
• Identify desktop sales opportunities, including the execution of on-site displacement programs.
• Proactively drive focused and strategic product and content campaigns on client sites.
• Collect and share competitive intelligence and maintain account retention plans/heat maps.
• Resell the value of the news, messaging, content, support, etc.
• Provide customer feedback directly to product managers, business managers and other stakeholders.
• Enter relevant data into appropriate CRM systems as required.
• Participate in strategic migration and retention activities as needed.

Requirements

• Experience in financial markets, or training, consulting, sales or related experience with a data vendor.
• Deep understanding of the market, competition, customers, and products.
• Proven consultative sales skills or strong desire to grow into a consultative sales-oriented role.
• Proven ability to identify revenue growth opportunities.
• Ability to organize and execute an account plan.
• Strong customer service skills.
• Strong interpersonal, team player, and presentation skills (verbal and written).

A key member of a wealth management team, the Private Client Specialist delivers the complete onboarding experience for new clients, including client discovery and profiling documents, while handling complex financial transactions. Collaborating across the Client Associate team, the Private Client Specialist applies pricing models to grow client profitability and retention for affluent households.

Functions

• Demonstrate a commitment to being customer-centric by ensuring a legendary service is provided during every customer interaction to maximize retention and growth.
• Ensure all new clients receive the complete onboarding experience, including a thorough client discovery leading to a truly exceptional Private Client Experience, an introduction to the IA and TA as per client need, and completion of all requisite client profiling documents.
• Handle complex financial transactions where products and services are highly competitive.
• Act as a subject matter expert to the Client Associate team.
• Ensure those existing clients, where it would add value, are provided with a Private Client Planning Experience.
• Assist in maximizing client profitability for all customers and in ensuring the minimum required threshold is met/exceeded with each client/household.
• Develop and maintain an understanding of pricing models/concepts and apply them effectively.

Experience & Qualifications

• Associate's degree and/or Bachelor's degree.
• Series 7, 63/65 or 66 registrations required, and if hired without licenses (need to acquire them within a defined period outlined at the time of hire).
• 2 or more years of related experience (preferably in the financial industry).
• Experience in professional services and with working with affluent clients is required.
• Knowledge of investments, banking and credit products preferred.
• Ability to generate reports pertinent to the management of client investment portfolios, with a reasonable knowledge of investments.
• Knowledge of MS Word, Excel, PowerPoint, and experience working with Contact Management databases is essential.
• Ability to work with minimal supervision as a self-starter.
• Ability to excel at administration and be exceptionally well organized.
• Demonstrated considerable initiative in providing a high level of organization.
• Demonstrated ability to manage multiple responsibilities and timelines.
• Proven track record of delivering results and executing with excellence.
• Excellent written and verbal communication skills.

Renewal revenue and first-year retention for assigned products depend on the Client Specialist, who owns renewals, price yield, and cancellation risk across a book of business. Serving as the account contact for customers, the Client Specialist refers cross-sell and upsell opportunities to Sales Specialists and coordinates training with the Training Specialist to lift Net Promoter Score results.

Accountabilities

• Ensure new clients are onboarded for the assigned products.
• Develop and grow book of business for assigned products through client engagement, retention, price yield and identifying upsell/cross-sell opportunities.
• Own renewals and ensure price yield is achieved for assigned products.
• Identify and mitigate risk of cancellations.
• Identify and refer cross-sell/upsell opportunities to Sales Specialists.
• Develop and execute plans to drive usage and retention, with particular focus on improving retention for first-year renewals.
• Identify customer training needs and, where necessary, coordinate with the Training Specialist to deliver.
• Educate customers on the product benefits over competitors.
• Develop relevant relationships, depending on the size of the customer, to ensure optimal retention outcome.
• Keep management in touch with accounts in a timely fashion, gather intelligence on competitor activity, and give feedback to other internal stakeholders.
• Perform account and territory planning, along with accurate forecasting, reforecasting and reporting.
• Develop product and industry knowledge, including understanding of what the client does and how they use the products and solutions, to successfully support customers.
• Refer technical issues to Support and invoicing issues to Order Management and/or Credit to ensure resolution.
• Deliver/overachieve on retention targets and ensure Net Promoter Score and Ease of Doing Business scores are achieved.

Technical Qualifications

• Degree in Business, Finance/Accounting, Commerce or Law preferred.
• Experience in Account Management or Sales preferred.
• Strong relationship-building skills and experience in establishing up to C-level relationships.
• Previous experience with exposure to the Technology/SaaS or IT sector (highly advantageous).
• Deep product knowledge of assigned products.
• Ability to develop account strategy.
• Excellent account planning skills.
• Ability to deliver the Why Pay/Why Stay message and to overcome renewal objections.
• Committed to reaching and exceeding targets, with a goal-oriented outlook and keenness.
• Capacity to sustain high activity levels.
• Customer orientation with good communication skills (written and verbal) and ability to present complex concepts.

As the Business Banking Client Specialist, this role delivers small business loan closings, orders third-party reports and title work, obtains collateral reports, and prepares loan documentation that meets credit approval terms. The Sales Team relies on this work to close deals efficiently with Credit Partners, Loan Servicing, and legal counsel within expected service levels.

Activities

• Provide support for the Sales Team and quality customer service through day-to-day interaction with bank partners and the client, and assist in coordinating the closing of Business Banking Loans.
• Communicate with customers, order and analyze all 3rd party reports and title work, track expenses and fees, engage legal counsel for trusts, deed restrictions, and unique language, collect items required to clear conditions to close, and drive a deal toward closing.
• Partner with Sales Team, Credit Partners, Loan Servicing, and third-party vendors to ensure efficient and timely closings.
• Process Business Banking small business loans in preparation for closing within expected service levels while providing exemplary service to Business Banking customers.
• Obtain all necessary collateral reports and information required to meet the terms and conditions of credit approval.
• Work with UCC-secured, titled collateral, commercial real estate, construction, and public sector programs.
• Support the coordination of closing with the customer, market partners and third parties, if applicable, while managing an active pipeline.
• Assist with the management of monthly maturities and the resolution of collateral exceptions.
• Prepare all loan documentation necessary to properly close a small business loan.
• Ensure proper loan and collateral documentation by staying abreast of and interpreting various laws, regulations, policies, and procedures of loan documentation.

Position Requirements

• High School Diploma, plus a Paralegal Certificate or Associate Degree.
• 1 or more years of loan pre-documentation and document preparation experience.
• Experience with title company work, legal documents, and reviewing and understanding title commitments.
• Experience with Business Banking/Commercial closing documentation.
• Excellent PC skills, including Microsoft Office software.
• Ability to interact with internal and external customers to achieve positive results and work in a production environment.
• Strong written and verbal communication skills.
• Solid organizational and project management skills.

Client Specialist owns the loan and deposit servicing behind each Relationship Manager in small business and commercial banking, handling overdraft decisions, due diligence searches, and loan packages submitted for committee approval and booking. The work directly supports compliance with Bank Credit Policy and banking regulations while giving Relationship Managers timely client follow-up and cross-sales opportunities.

Operational Focus

• Pull daily overdraft reports, assist RMs in contacting clients to resolve issues if needed, and respond with decisions within the daily timeframe.
• Respond the same business day to client inquiries and problem resolutions.
• Perform timely processing of client draws/paydowns/transfers/stop payments, etc.
• Liaise with personal bankers to assist RM with new deposit account opening.
• Perform due diligence work, including UCC, tax lien & judgment, and title searches, UCC filings, flood certifications, OFAC reports, and Risk Assessment forms, and review all search results, including title reports.
• Submit final Loan Presentations for approval, coding, and inclusion on Loan Committee agendas.
• Order loan documentation through Laser Pro Control hub or from outside legal counsel, and work directly with outside counsel and title companies.
• Review loan documentation for adherence to Bank Credit Policy and approved Loan Presentation, and submit completed loan packages to Loan Control for booking.
• Submit invoices to Accounts Payable with appropriate vouchers.
• Track past-due loan payments, assist RM with client contact for resolution if needed, and perform loan exception cleanup.
• Follow up with clients during the 3-6-3 process for newly onboarded clients.
• Recognize and follow through with opportunities for cross-sales.
• Comply fully with all Banking regulations and keep up to date with compliance testing for both loan and retail functions.

Knowledge, Skills & Abilities

• College degree with 3 to 5 years of relevant work experience in small business or commercial banking.
• Proficiency in Microsoft Office Applications, with Metavante experience preferred.
• Good interpersonal, verbal, and written communication skills.
• Exceptional organizational and documentation skills.
• Ability to be detail-oriented.
• Ability to work independently and take ownership of projects and tasks.

The Investment Solutions Client Specialist oversees client and project work streams for delegated fund solutions, explaining strategy changes, manager changes, and funding level movements to defined benefit pension clients. Reporting to the client team, the Investment Solutions Client Specialist guides junior analysts and works with trustees, sponsors, and portfolio management to deliver investment output within critical timelines.

Key Deliverables

• Demonstrate a deep understanding of client needs and requirements, ensuring excellent client service.
• Develop in-depth knowledge of the firm's delegated fund structures and solutions to explain and communicate topics including DS strategy changes, asset class manager and structure changes, market updates, funding level movements, etc.
• Demonstrate an ability to build relationships with all key stakeholders associated with the client (trustees, sponsors, third-party advisors).
• Manage client and project work streams to ensure delivery meets the needs of clients.
• Work closely with client-team analysts to provide guidance and review of their work.
• Liaise with wider operational, portfolio management and consulting teams across the firm, including management of projects as they arise.
• Deliver investment output & documentation within critical timelines.
• Train and develop junior colleagues.

Professional Experience

• CFA or Actuary qualification, or working towards it.
• Experience in client-facing relationship management/consulting.
• Proven track record in project management and engaging with a variety of stakeholders, with attention to detail.
• Strong technical understanding of investment markets and asset classes.
• Knowledge of defined benefit pension schemes' assets and liabilities, and ability to construct optimal asset strategies to meet clients' objectives.
• Ability to communicate complex issues in a simple and coherent manner.
• Strong energy, proactivity, and desire to see things done efficiently.
• Ability to work as a team player.

Embedded within the business, the Client Specialist develops strong client relationships by anticipating stakeholder requirements, managing concerns, and coordinating projects across business units that depend on technical platforms and services. Working closely with internal and external stakeholders, the Client Specialist resolves customer requests and delivers BAU process improvements, efficiencies, cost savings, and service improvements that support client and business outcomes.

Areas of Ownership

• Build strong relationships with clients, understanding their business and how the business supports them.
• Anticipate stakeholder requirements, upcoming needs and proactively manage concerns.
• Maintain regular communication with stakeholders to ensure needs are being met.
• Coordinate projects across business units to deliver client & business outcomes.
• Work collaboratively with both internal and external stakeholders to ensure effective and timely resolution of customer requests/issues.
• Work collaboratively with all areas of the business to deliver BAU process improvements, drive efficiencies, cost savings and service improvements.

Background & Experience

• Understanding of the software development life cycle and systems development, incorporating application, operational, data, security and compliance considerations.
• Understanding of technical platforms, operational infrastructures and services, and of the business environment, systems and processes.
• Proficiency in presentation delivery and business writing.
• Ability to present complex technical solutions to all levels of colleagues, executives, management, clients, and third parties.
• Strong analysis and problem-solving skills, with a logical, analytical, and creative approach and attention to detail.
• Good negotiation and communication skills (written and verbal).
• Ability to create and manage relationships across all levels internally and within client organizations.

Reporting to the leadership team, the Client Specialist advances patient intake and operational support for domestic and international patients, serving as the first contact by phone, email, or in person and arranging complex schedules and travel. Partnering with Client Liaisons and clinical staff, the Client Specialist keeps registration current and ensures both clinical and non-clinical patient needs are met.

Role Responsibilities

• Serve as an initial point of contact for program patients calling, e-mailing, or in person, per pre-established guidelines, and assess and handle requests or triage patients to the appropriate liaison.
• Handle routine and urgent care requests, including International medical walk-in patients, consulting with clinical staff as necessary.
• Act independently and quickly, seeking creative solutions to solve patients' or other customers' needs.
• Assist with coordinating 2nd opinion requests via a third-party vendor and affiliated physicians.
• Provide cross-coverage for other program staff, specifically back-up assistance to Client Liaisons, as needed.
• Register and/or update patient registration in the EPIC system for program patients.
• Provide regular communication to patients and/or their designees regarding the status of their requests on time, in coordination with the Client Liaisons.
• Collect and transport medical records and films to appropriate practices, and make copies/scans of medical records and other correspondence for patients and their providers, often adding to the Epic system.
• Assist in escorting patients to different facilities throughout the downtown campus.
• Assist in scheduling and organizing all non-clinical needs of patients and/or their families, including hotel reservations, air travel, private transport, dinner reservations, personal shopping appointments, and detailed, often complex directions.
• Maintain and update the CRM database (Salesforce) on current and prospective clients, referral sources, and local hotels/accommodations, agencies, restaurants, and tour companies.
• Update the CRM database with downloads from client companies, referral entities, and marketing activity, ensuring demographic information and call tracking are current per pre-established guidelines.
• Assist with onboarding new patients or members, including creation and distribution of personalized electronic membership materials, as necessary.
• Assist with service recovery, as needed, and escalate the issue to a member of the leadership team when the service recovery is out of scope.

Minimum Qualifications

• Bachelor's degree plus a minimum of 1 year of related experience in healthcare or a professional office setting OR high school diploma plus 3 years of related experience in a healthcare or professional office setting.
• Ability to learn and understand medical terminology and organizational departments and divisions to effectively collaborate with clinical colleagues and schedulers to facilitate the appropriate medical appointments.
• Demonstrated facility with Microsoft Office and other desktop applications, with EPIC familiarity highly desirable.
• Excellent customer service skills.
• Outstanding communication skills in all formats: phone, electronic, and in-person.
• Proven ability to handle sensitive information in a discreet manner.
• Proven ability to work independently and as part of a team.
• Ability to work independently, multi-task, and deliver polished, professional outputs of outstanding quality promptly and with minimal supervision.
• Proven ability to perform well under pressure and in an ever-changing environment.
• Ability to be organized and flexible in an environment that requires continuous monitoring and rearranging of priorities while meeting critical customer service expectations and other deadlines.
• Demonstrated cross-cultural sensitivity and ability to build relationships with colleagues and patients from different domestic and international locales and various educational backgrounds, usually virtually or remotely.
• Demonstrated poise under pressure and professional demeanor.
• Fluency in a language other than English, written and spoken, preferred, with Spanish or Arabic language skills strongly preferred.