Description:
Summary
Responsible for all retail functions of the Branch. Plans, directs, and controls the activities of branch personnel towards attainment of branch goals. Demonstrates proficiency in management skills including but not limited to: problem solving, decision making, team building, coaching and mentoring staff. Actively develops new retail and commercial business as well as expands on existing customer relationships. Responsible for deposit and consumer loan growth and referrals for other bank products. Responsible for making joint calls with Commercial Bankers and Cash Management staff to establish and build customer relationships. Provides enthusiastic, professional, and courteous service to customers and fellow employees. These activities are to be conducted in accordance with policies accepted by the bank in order to provide a secure pleasant atmosphere where customers will receive prompt accurate service extended in a friendly professional manner. Must be a leader in promoting high morale, in exhibiting positive attitudes toward customers and with fellow employees, instilling a sense of team spirit, and support company initiatives.
Essential Duties and Responsibilities include the following. Other duties may be assigned.
Branch Operations:
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Responsible for day-to-day operations, performance, and profitability of a full service branch.
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Ensures efficient operation of the branch building including; opening and closing, reconciling GL’s, balancing ATM, and complying with auditing procedures, policies, and banking regulations.
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Maintains prescribed security controls to protect the branch against criminal and fraudulent operations and unnecessary risk or exposure.
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Ensures all bank policies and procedures are followed and communicated to employees as appropriate.
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Ensures adequate availability of staff and equipment to process transactions includes check cashing, deposits, withdrawals, and payments.
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Counsels and guides personnel in the exercise of their assigned duties to ensure required coordination and proper emphasis of efforts.
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Oversees the flow of cash and financial instruments in accordance with company policy.
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Assesses risk of all financial transactions executed by personnel.
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Collects data to analyze the present and future financial status of the organization.
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Complies and reports financial data as required by organization and government regulations.
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Directs, coordinates, and monitors activities to implement institution's policies, procedures, and practices concerning granting or extending lines of credit, commercial loans, real estate loans, and consumer credit loans.
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Directs activities involving implementation of establishment services and functions including collecting delinquent accounts, or opening accounts.
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Adheres to all Federal and State Banking regulations.
Sales & Service
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Responsible for business development and community relations enhancement while maintaining a positive and professional image of the bank.
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Promotes the bank’s products and services. Actively seeks cross-sell, up-sell, & referral opportunities.
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Reviews existing account relationships for opportunities to meet additional needs with other products and services.
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Provides enthusiastic, professional and courteous service to both internal and external customers.
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Makes business development calls on both current and prospective retail and business customers.
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Participates in civic and community activities to generate visibility and contact for the bank.
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Promotes sales and service culture, and coordinates cross-selling of products and services in accordance with bank’s goals and objectives.
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Coaches & mentors employees on profiling and needs assessments of new and existing customers.
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Resolves customers concerns and complaints effectively and efficiently.
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Coordinates the maintenance of physical property and equipment with the EVP-Security/Facilities, to assure effective working order and appearance.
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Follows established precautionary procedures to assure that maximum security of the branch prevails at all times.
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Provides back-up support to staff.
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Adheres to all State and Federal Banking Regulations.
Lending
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Provides consumer lending services in compliance with bank policies, procedures, and regulation.
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Examines, evaluates, and processes consumer loan applications, which includes secondary market mortgage loans.
- Approves loan applications within delegated authority.
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Maintains quality loan portfolio, meeting the bank’s prescribed objectives regarding loan growth, past dues, charge offs, and non-accruals.
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Performs loan collection efforts.
Requirements:
Supervisory Responsibilities
- Manages branch retail employees.
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Coaches staff to achieve established branch and retail department goals.
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Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws.
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Makes recommendations regarding selection of new employees, salary increases, promotions, transfers, disciplinary actions, and terminations.
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Monitors employee performance, gives ongoing feedback on performance, and conducts effective performance reviews at least annually.
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Addresses employee complaints and resolves problems.
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Coaches, counsels and provides general direction and guidance to direct reports.
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Holds branch staff meetings as needed to keep employees informed and communicate pertinent information.
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Authorize and approve transactions which exceed limits of the staff.
Competencies
To perform the job successfully, an individual should demonstrate the following competencies:
Analytical - Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedures.
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
Project Management - Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget; Manages project team activities.
Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others.
Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.
Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
Oral Communication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Participates in meetings.
Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.
Visionary Leadership - Displays passion and optimism; Inspires respect and trust; Mobilizes others to fulfill the vision; Provides vision and inspiration to peers and subordinates.
Change Management - Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results.
Delegation - Delegates work assignments; Matches the responsibility to the person; Gives authority to work independently; Sets expectations and monitors delegated activities; Provides recognition for results.
Leadership - Exhibits confidence in self and others; Inspires and motivates others to perform well; Effectively influences actions and opinions of others; Accepts feedback from others; Gives appropriate recognition to others.
Managing People - Includes staff in planning, decision-making, facilitating and process improvement; Takes responsibility for subordinates' activities; Makes self-available to staff; Provides regular performance feedback; Develops subordinates' skills and encourages growth; Solicits and applies customer feedback (internal and external); Fosters quality focus in others; Improves processes, products and services.; Continually works to improve supervisory skills.
Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
Business Acumen - Understands business implications of decisions; Aligns work with strategic goals.
Cost Consciousness - Works within approved budget; Develops and implements cost saving measures; Contributes to profits and revenue; Conserves organizational resources.
Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce.
Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.
Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions.
Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives; Organizes or schedules other people and their tasks; Develops realistic action plans.
Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.
Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly.
Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly.
Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.
Attendance/Punctuality - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.
Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals. Completes tasks on time or notifies appropriate person with an alternate plan.
Initiative - Volunteers readily; Undertakes self-development activities; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.
Innovation - Displays original thinking and creativity; Meets challenges with resourcefulness.
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
High school diploma or general education degree (GED). Prefer at least three (3) years of retail banking experience and prior consumer lending experience. Prior management experience required.
Language Skills
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.
Mathematical Skills
Ability to calculate figures and amounts such as interest and percentages.
Reasoning Ability
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
Computer Skills
To perform this job successfully, an individual should have knowledge of the Microsoft Branch Suite (Word, Excel, Outlook, Power Point, etc.).
Other Qualifications
Must be able to travel between all bank locations using own transportation.
Physical Demands
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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to stand and walk. The employee is occasionally required to climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, color vision, peripheral vision, depth perception and ability to adjust focus.
Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually quiet.
