Branch Manager

Branch Operations

Responsible for day-to-day operations, performance, and profitability of a full service branch.

• 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.
• Maintains prescribed security controls to protect the branch against criminal and fraudulent operations and unnecessary risk or exposure.
• Ensures all bank policies and procedures are followed and communicated to employees as appropriate.
• Ensures adequate availability of staff and equipment to process transactions including check cashing, deposits, withdrawals, and payments.
• Counsels and guides personnel in the exercise of their assigned duties to ensure required coordination and proper emphasis of efforts.
• Oversees the flow of cash and financial instruments in accordance with company policy.
• Affairs with employees to assess risk of all financial transactions executed by personnel.
• Collects data to analyze the present and future financial status of the organization.
• Complies and reports financial data as required by organization and government regulations.
• 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.
• Directs activities involving implementation of establishment services and functions including collecting delinquent accounts, or opening accounts.
• Adheres to all Federal and State Banking regulations.

  Sales & Service

  Responsible for business development and community relations enhancement while maintaining a positive and professional image of the bank.

  • Promotes the bank’s products and services.
  • Actively seeks cross-sell, up-sell, & referral opportunities.
  • Reviews existing account relationships for opportunities to meet additional needs with other products and services.
  • Provides enthusiastic, professional and courteous service to both internal and external customers.
  • Makes business development calls on both current and prospective retail and business customers.
  • Participates in civic and community activities to generate visibility and contact for the bank.
  • Promotes sales and service culture, and coordinates cross-selling of products and services in accordance with bank’s goals and objectives.
  • Coaches & mentors employees on profiling and needs assessments of new and existing customers.
  • Solves customers concerns and complaints effectively and efficiently.
  • Coordinates the maintenance of physical property and equipment with the EVP-Security/Facilities, to assure effective working order and appearance.
  • Follows established precautionary procedures to assure that maximum security of the branch prevails at all times.
  • Provides back-up support to staff.
  • Adheres to all State and Federal Banking Regulations.

    Lending

    Provides consumer lending services in compliance with bank policies, procedures, and regulation.

    • Examines, evaluates, and processes consumer loan applications, which includes secondary market mortgage loans.
    • Approves loan applications within delegated authority.
    • Maintains quality loan portfolio, meeting the bank’s prescribed objectives regarding loan growth, past dues, charge offs, and non-accruals.
    • Performs loan collection efforts.

    Requirements

    Supervisory Responsibilities: Manages branch retail employees. Coaches staff to achieve established branch and retail department goals. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Makes recommendations regarding selection of new employees, salary increases, promotions, transfers, disciplinary actions, and terminations. Monitors employee performance, gives ongoing feedback on performance, and conducts effective performance reviews at least annually. Addresses employee complaints and resolves problems. Holds branch staff meetings as needed to keep employees informed and communicate pertinent information. Authorize and approve transactions which exceed limits of the staff.

    Core Competencies: To be successful in this role, the employee must demonstrate sound judgment, professionalism, integrity, and a commitment to the organization's mission, values, and policies. The position requires strong analytical, problem-solving, organizational, and project management skills, with the ability to manage competing priorities, adapt to changing business needs, and consistently deliver high-quality, accurate, and timely results. The employee successful in this role, communicates effectively, both verbally and in writing, builds collaborative relationships, provides exceptional customer service, and works productively with diverse teams. This role requires initiative, accountability, continuous learning, and the ability to make informed decisions while maintaining confidentiality and exercising good judgment. Employees are expected to contribute to a positive and inclusive work environment, demonstrate leadership appropriate to their role, embrace innovation and continuous improvement, use organizational resources responsibly, and maintain a strong commitment to safety, quality, dependability, and ethical conduct. Supervisory positions are additionally expected to effectively lead, develop, and support employees through coaching, delegation, performance management, and change leadership.

    Qualifications

    To perform this job successfully, an individual should have knowledge of the Microsoft Branch Suite (Word, Excel, Outlook, Power Point, etc.).

    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.