Summary of Position
This job operates in a professional office environment. Performs additional job duties as a Mortgage and Consumer
Lender. Reports directly to the Assistant Vice President, Retail and Sales and the Chief Lending Officer. Provides prompt
and courteous service to external and internal clients. Expands existing business relationships and develops new
business. Exercises administrative control over all functions of the branch, including implementation of policies,
procedures, and Bank objectives. Maintains confidentiality of Bank's customers and processes while adhering to
Information Security standards.
Essential Functions
Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions.
- Supervises branch employees and assumes subordinate duties when necessary.
- Conducts Customer Service Representative and Universal Banker training.
- Motivates employees, sets expectations, monitors delegated activities, disciplines, and appraises
performance and makes recommendations in response.
- Achievement of retail sales goals both on the individual level and branch level.
- Ensures adequate staffing for efficient branch operation, including Saturday scheduling.
- Develops new business and expands existing business with the sale of deposit and lending products; prospects
for new business through community and service activities and functions.-
Makes effective referrals to other specialists when appropriate.
- Provides excellent external and internal customer service.
- Advises and resolves any issues that arise with customers, wherever possible.
- Opens new accounts.
- Processes the closure and distribution of estate assets.
- Monitors branch activity (number of transactions, volume, teller errors, loan volume, teller and loan personal sales
and new accounts).-
Monitors and maintains the Safe Deposit system.
- Ensures proper branch safety, security, and compliance procedures are followed.
- Opening and closing procedures, (i.e., alarms, vault, balance ATM’s, night deposits, etc.) and end of day
balancing of branch.
- Performs and maintains Regulation D compliance.
- Maintains the compliance of the branch per audit standards and in accordance with applicable laws and
regulations.
- Makes recommendations to supervisors on budgetary/staff/internal needs of the branch.
- Fulfills the duties and responsibilities of a Mortgage and Consumer Lender.
-
Markets and promotes a full range of bank financial products to current and prospective customers based
on the product’s ability to satisfy the customer’s individual needs
Critical Drivers and Accountabilities
Maintains full regulatory compliance with applicable rules and regulations in addition to internal policies. Ability to identify
potential money laundering, terrorist financing, bank secrecy act, identity theft, and elderly abuse red flags. Exceeds Bank
deposit and lending goals by seeking new financial relationships with prospects and current clients either through face-toface interactions, referrals, or outbound visits. Coaches and trains all branch staff in the roles of sales and referrals to
enhance client experiences with the Bank; maintains knowledgeable and customer service driven staff that exceedingly
perform all duties required for the branch to surpass expectations while remaining compliant, and a strong sense of
organization, accuracy, and efficiency. Practices an enterprise-wide work ethic of collaboration and teamwork; effectively
leads through ambiguity and change. Ability to interact effectively and respectfully with internal and external customers in
person and on the telephone.
Competencies
Ability to maintain business acumen, business flow and operations, and ethical conduct while performing a high level of
customer/client focus in addition to proficiency in the Customer Service Representative duties and responsibilities. Also, in
absence of the Assistant Vice President of Retail and Sales, have working knowledge of the their responsibilities. Superior
communication skills, both oral and written to both employees and leaders within the bank and all its customers.
Reasoning Ability
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited
standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
Education, Experience, and Skills
Required:
High school diploma or equivalent; three to five years' experience in retail banking; experience with professional
communications vocally and through written format; knowledgeable of duties performed at the branch level,
including lending, new accounts, deposit products and services, and sales; practical experience with basic
hardware and software.
Preferred:
Associates degree or higher in a related field; one to three years' experience in management; qualified experience
in sales, comprising face to face, phone, and outbound calls.
Physical Requirements
Sufficient stamina to sit and read a computer screen or stand for extended periods of time. Ability to perform repetitive
motion with wrists, hands, and/or fingers and otherwise perform the essential functions of the position. While performing
these duties, the employee is regularly required to speak and hear. Mobility to move throughout the branch. Ability to lift
up to 50 pounds.
Core Values
- Community Commitment: Foster growth and well-being by partnering with individuals, organizations, and initiatives that strengthen our communities.
- Accountability: Strive to do the right thing by taking responsibility for our decisions and actions.
- Customer-Focused: Prioritize responsive and personalized service that builds strong relationships with
customers.
- Teamwork: Empower a diverse and unified team to collectively accomplish our vision and mission.
- Results Driven: Achieve the highest level of performance.
Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or
responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any
time with or without notice.
