Cash Management Relationship Manager at Ephrata National Bank – Elkton, Maryland

Pay Transparency

Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.

Benefits

Additionally, as part of our Total Rewards program, Ephrata National Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; health savings account and/or flexible spending account; dependent care flexible spending account; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay, jury duty, and bereavement; disability insurance coverage and maternity and parental leave; educational assistance and a robust wellness program with financial incentives.

To learn more about your potential eligibility for these programs, please visit About | Careers | Benefits | Ephrata National Bank.

Position Summary:

The Cash Management Relationship Manager serves as a trusted advisor to local business clients, responsible for educating customers and proactively driving the adoption of cash management solutions that support their day-to-day operations and long-term growth. This role focuses on building strong relationships with established business customers and targeted prospects by understanding their unique cash flow needs and delivering practical, right-sized solutions that create lasting value for both the client and the Bank.

Working closely with internal operations and support teams, the Cash Management Relationship Manager ensures a responsive, efficient service environment that reflects the Bank’s commitment to personalized service and accountability. In partnership with Relationship Managers and Branch Managers, the role supports deposit growth and service charge objectives while strengthening client loyalty through consistent follow-through and a high-touch service approach.

Key responsibilities include active prospecting and referral development; responding to Requests for Proposal (RFPs); conducting consultative needs assessments; recommending effective cash management strategies; and negotiating pricing that balances client value with sustainable profitability. The role contributes directly to the Bank’s growth by generating fee income from cash management solutions and achieving individual, team, and Bank performance goals through disciplined sales execution, officer calling programs, and community-focused relationship development.

Essential Functions:

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Proactively develop, manage, and grow a portfolio of approximately 200–225 business relationships through disciplined prospecting, consultative sales, and ongoing relationship management.Identify, pursue, and convert new-to-bank opportunities while expanding wallet share within existing bank relationships to increase cash management revenue and deposits.Develop and execute an individual sales plan aligned with departmental production goals; consistently achieve established cash management sales targets.Lead the full consultative sales cycle—from needs assessment and solution design through proposal development, implementation coordination, and post-implementation follow-up—to ensure successful onboarding and long-term client retention.Prepare and deliver customized proposals, pricing structures, and presentations to secure new business and deepen client engagement.Partner with relationship managers and branch managers to identify opportunities, coordinate joint calling efforts, and enhance overall relationship profitability.Collaborate closely with operations, cash management sales support, and Cash Management Officer to ensure accurate setup, strong product performance, and seamless client experience.Maintain strong working knowledge of cash management products, payments technology, fraud mitigation tools, and treasury trends to effectively advise clients and respond to evolving business needs.Provide informed feedback regarding product functionality, competitive positioning, and client demand to support continuous improvement.Educate clients on the operational and technical aspects of cash management services to promote confident usage, efficiency, and risk awareness.Take ownership of client needs and service issues, ensuring timely follow-through and resolution.Identify and refer opportunities to other lines of business to support full-relationship banking objectives.Support internal education efforts by increasing awareness of cash management capabilities and strengthening referral activity across the organization.Represent the bank professionally in community and business development activities to expand market presence and cultivate new relationships.

Required Education and Experience:

4 to 6 years of relevant experience.Bachelor’s degree from an accredited college or equivalent experience with a high school diploma.

Knowledge of ACH rules and regulations (NACHA).Knowledge of federal and state laws pertaining to banking and deposit transactions.

Competencies:

ENB Operational and Functional Competencies

Supervisory Requirements:

This position has no supervisory responsibilities.

Work Environment:

This job operates in a professional work environment. This role routinely uses standard office equipment such as smart phones, computers, monitors, mouse, keyboard, phones, printers, scanners, photocopiers, filing cabinets, calculator, and fax machines. Due to physical location of this position, phone ringing, and people conversing, it may be difficult to hear at times and therefore easily distracting.

Physical Demands:

Ephrata National Bank promotes an equal opportunity workplace, which includes reasonable accommodations of otherwise qualified disabled applicants and employees. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to talk or hear. Specific vision required by the job includes close vision, distance vision, and ability to focus. While this position is primarily sedentary, the employee is frequently required to stand, walk, use hands to finger, handle or feel objects or controls, reach with hands and arms, bend, balance, stoop, kneel, and crouch. The employee must be able to lift and/or move up to 25 pounds including standard computer and copy paper boxes, and must be able to open and close filing cabinets and drawers.

Position Type and Expected Hours of Work:

This is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5 p.m. Flexibility of schedule to meet business needs is required.

Travel:

This position may require travel.

EEO Statement:

Ephrata National Bank supports a diverse workforce and is an Equal Opportunity Employer. It is the policy of Ephrata National Bank to provide equal employment opportunities without regard to race, ethnicity, color, religion, sex, national origin, age, disability, marital status, covered veteran status, sexual orientation, gender identity, genetic information or any other protected characteristic applicable under law. The bank complies with all relevant federal, state, and local laws, as well as, all regulations regarding nondiscrimination.

This job description reflects management’s assignment of essential functions and position responsibilities. Nothing in this job description restricts management’s rights to assign or reassign duties and responsibilities to this job at any time. The employee is expected to adhere to all of Ephrata National Bank’s procedures and to act as a role model in the adherence to bank polices.

Acknowledgement:

Employee electronic signature constitutes the employee’s understanding of the requirements, essential functions and duties of the position.