Account Representative

First Bank & Trust

Account Representative managing transportation-industry factoring portfolios for First Bank & Trust. Building client relationships, assessing receivables, and managing credit risk.

Posted 8/19/2026full-timeSioux Falls • Iowa, South Dakota • 🇺🇸 United StatesJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates strong client relationship management and risk assessment capabilities within the transportation industry, with a focus on credit analysis and compliance adherence. Proficient in monitoring portfolio activities and providing exceptional customer service while maintaining accurate documentation.

Highest-signal resume keywords

Client Relationship ManagementCredit Risk EvaluationPortfolio MonitoringAnalytical SkillsMicrosoft Office Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisAccounts Receivable ConceptsFinancial AcumenDocumentation ManagementRisk Management

Soft Skills

Effective CommunicationOrganizational SkillsDetail OrientedCustomer Service

Tools & Technologies

Factoring Operating System TechnologyMicrosoft Office

Certifications & Qualifications

Compliance Training Participation

Industry Keywords

Transportation IndustryFactoringPortfolio ManagementDebt ManagementFinancial Trends

About the role

Key responsibilities & impact

Oversee a portfolio of business relationships in the transportation industry to achieve client and risk management goals
Develop strong client relationships and ensure overall client satisfaction
Interact consistently with factoring clients through thorough and meaningful conversations
Become a trusted advisor on prospective debtors and receivable solutions
Monitor portfolio activity, identify trends, and mitigate risks and discrepancies
Review receivable aging regularly for each client
Analyze client-provided financials for assigned portfolio clients when appropriate
Evaluate credit risks associated with prospective and existing clients
Prepare and present credit proposals and recommendations with credit and operations teams
Monitor factoring files for proper maintenance and complete, accurate documentation
Update account information and maintain accurate customer records
Manage portfolio reviews, risk rating changes, and other portfolio documentation
Manage reserve accounts and report concerns regarding reserve balances and accounts-receivable aging risk
Communicate factoring product benefits to prospective clients and referral sources
Review publications and attend industry functions to build industry and competitor knowledge
Structure, prepare, and present client opportunities for factoring relationships
Assist the business development team in reviewing and analyzing prospective client relationships
Consult with leadership to ensure account portfolios align with credit policies and approval requirements
Advise management on client account matters, performance, opportunities, and recommended actions
Monitor industry, economic, and financial trends affecting the factoring client portfolio
Attend team, underwriting, business development, and risk management meetings
Follow employee handbook policies and procedures and complete required compliance activities

Requirements

What you’ll need

Associate’s degree, plus two years of relevant work experience or the equivalent
Effective verbal, written, and interpersonal communication skills
Highly organized and detail oriented
Proven analytical skills and ability to meet deadlines
Basic financial acumen
Familiarity with accounts receivable concepts
Ability to manage numerous business clients
Ability to assist with project initiatives while providing exceptional customer service
Proficiency in Microsoft Office
Ability to learn factoring operating system technology
Must adhere to First Bank & Trust policies, procedures, and compliance requirements
Required participation in compliance training

Benefits

Comp & perks

Comprehensive healthcare benefits, including health, dental, vision, and life insurance
Optional additional life, disability, and other insurance
401(k) and ESOP profit sharing
Retirement contribution match of up to 7%
Wellness program with gym membership incentives, educational programs, and challenges
Student loan repayment assistance program
Tuition reimbursement
Robust internal training program
Job shadowing and mentorship program
16 paid volunteer service hours
In-house childcare and preschool available for employees' children and grandchildren
Employees are also part owners