Branch Manager II

About the Role

The Branch Manager II supports the Retail Area Manager and ensures that branch operational activities run smoothly and efficiently. The role provides leadership, training, and supervision within the branch, promotes business by maintaining good customer relations, and refers customers to appropriate personnel for new services. The manager also assists in achieving bank and branch goals through active participation in sales management and officer call programs, and oversees staff coverage for all branch operations, including courier services. Incumbents typically have 5‑10 years of branch banking or management experience.

Essential Functions

• Provides supervision and support to all assigned areas of branch operations; oversees tellers, new‑account staff, and other personnel; opens and closes the branch.
• Reinforces superior customer service by example and follow‑through; conducts periodic meetings and presentations on service excellence with staff.
• Responds to inquiries or refers them to the appropriate department or person, ensuring necessary follow‑through with customers and staff.
• Assures audit compliance and procedural quality control through operational reviews; conducts unannounced audits of cash funds and limits; ensures compliance with bank policies, procedures, and state and federal regulations.
• Instills and maintains a positive sales environment by educating staff on the bank’s products and services; monitors cross‑selling and product presentation against goals; coordinates staff, materials, and other resources for maximum results.
• Contributes to branch profitability through cost controls, income generation, loan growth, deposit growth, and marketing efforts.
• Applies sound decision‑making techniques for inquiries, approvals, and requests within existing policies; stays within assigned approval limits and uses decisions as learning tools for employees.
• Responsible for all branch lending functions, including origination, processing & booking, loan documentation, payoffs, and collections.
• Manages loan reporting such as asset classification, non‑accrual, appraiser status, unsecured status, board reports, and credit‑risk review; serves as in‑house appraiser of re‑collateral.
• Assists other branch offices in resolving operational inquiries and providing staff support; participates in internal committees assigned by senior management.
• Ensures accurate completion of operational reports generated by the bank’s data processor and internal reports.
• Develops and grows branch staff through strong verbal and written communication, delegation, and cross‑training.
• Performs personnel actions including performance appraisals, disciplinary actions, and interviewing; supervises daily activities, delegates assignments, creates work schedules, and provides necessary training.
• Ensures implementation and compliance with security precautions to protect customer deposits, bank assets, and staff.
• May perform teller, vault teller, new‑account, utility specialist, and safe‑deposit duties as needed; conducts construction loan inspections.
• Processes, solves, and answers complex customer transactions, problems, or inquiries.
• Operates computer terminals or personal computers to process account activity, determine balances, and resolve problems within authority.
• Answers telephones, addresses questions, and directs callers to the proper bank personnel.
• Maintains advanced knowledge of financial‑industry status and trends; completes annual compliance courses; adheres to corporate policies, federal and state regulations (including the Bank Secrecy Act and Anti‑Money Laundering Act), and Service Excellence standards.
• Performs other duties as required.

General Qualifications

• Bachelor’s degree in business, finance, or a related field, or equivalent work experience (5‑10 years of management experience).
• Educational experience through in‑house training, formal schooling, or financial‑industry curriculum focused on business or finance.
• Intermediate knowledge of bank operations, products, services, related state and federal laws, and bank policies and procedures.
• Excellent organizational and time‑management skills; ability to work with minimal supervision.
• Intermediate computer skills: terminal and PC operation, mainframe systems, word processing, spreadsheets, and specialty software.
• Exceptional verbal, written, and interpersonal communication skills; ability to apply common sense in giving instructions and guiding personnel.

Physical Demands and Work Environment

• Vision, hearing, speech, dexterity, and visual concentration required.
• Valid driver’s license is required.
• Ability to stand, walk, sit, and use hands and fingers.
• Ability to work the hours and days scheduled to complete essential functions.
• Professional office setting with standard office equipment.

Cognitive Requirements

• Learning, thinking, concentration, and self‑control.
• Ability to work in a customer‑relations environment; close attention to detail; teamwork orientation.
• Effective interaction with co‑workers and customers; diplomacy in employee and customer relations.
• Ability to exercise discretion and appropriate judgment.
• Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.