Under general direction, manages all activities of a full service branch office including supervising the operational and audit functions of the branch. Ensures that customers receive consistently high quality customer service in all aspects of their financial services. Acquires and retains core deposit accounts, maintains a high volume of quality consumer lending activity and develop branch personnel into highly proficient individuals in lending, public relations, customer service, selling and cross-selling accounts, services, and technical knowledge. Prepares and administers the profit and business development plans of the branch and is responsible for the results. Represents the Bank to the community in which the office is located through community activity and leadership. Leads and motivates the branch staff to increase profitability, growth, and productivity.
Principal Duties and Responsibilities:
Ensure through training, personal example, and work ethics that all office staff maintain a professional, courteous demeanor and provide customer service of the highest quality at all times.
Manage and motivate the branch staff to increase sales and cross-sell productivity. Direct the hiring of sales oriented individuals. Establish specific, measurable sales, customer service, and productivity goals for the branch as a whole and for each individual employee. Provides feedback on performance and recognizes productivity improvement. Periodically evaluates sales presentation of all branch personnel.
Holds a regular (at least monthly) sales meetings as a forum to motivate, share ideas, and success stories and provide instruction and learning activities
Encourages professional development of all branch personnel. Develop a team of sales oriented professionals. Manages the branch staff to ensure the office operates at optimum efficiency and that the staff is trained, motivated, and marketing oriented.
Approves selection, hiring, review, promotion, and termination of branch personnel within the guidelines set by the Personnel Department. Appraises performance of subordinates and recommends promotions, salary adjustments, additional training, transfers, etc to the Personnel Department. Provides for optimum utilization of employees. Supervises the training and cross-training of staff to effect a maximum performance.
Determines such matters as assignment of duties to meet fluctuations in workload and scheduling of vacations. Supervises the preparation of staffing schedule sufficient to meet customer service demands and to insure that the selling function is adequately covered.
Contacts and receives inquiries from customers regarding any operational or depository problem developing a means of servicing them. Makes customer and non-customer calls to ascertain customer service needs, resolve problems, and to sell and cross-sell Bank accounts and services.
Directs and administers the loan portfolio of the branch soliciting new loans at every opportunity.
Makes loans within authority and reviews and approves all loans made by subordinate staff. Communicates to loan personnel their responsibility of cross-selling services. Loans over lending authority are referred to the next higher approval authority. Is responsible for the collection of delinquent payments within the branch.
Administers and directs all operational functions of the branch including protection of assets and maintenance of facilities within the guidelines set forth. Is accountable for the physical condition of the building inside and out. Is responsible for the general security of the branch, including but not limited to, branch cash limits.
Operates as the chief planner for the branch. Prepares and administers the branch profit plan projecting loan and deposit growth. Assists in the establishment and implementation of branch office goals and policies in accordance with the established goals and objectives of the Bank as a whole.
Prepares the branch's business development plan and is responsible for results in relation to the overall marketing goals of the Bank. Joins and is active in service clubs and civic organizations. Takes part in any activity which enhances the Bank's image. Analyzes general and local market conditions and makes recommendations to the President on local marketing direction.
Related duties and responsibilities as assigned.
Salary: Depending upon experience
Medical, Dental and Life Insurance
Vacation, Holiday and Sick Pay
401k and Profit Sharing
Skills and Abilities required:
This typically requires 5 – 7 years prior experience or a combination of education and experience providing a thorough knowledge of lending practices and procedures, operational policy and procedures and supervisory skills.
Knowledge of general and local market conditions and competitive climate sufficient to analyze Bank activities and recommend changes.
Ability to motivate branch staff to increase sales and cross-sell productivity. Provide consistently high quality customer service and aspire to and achieve high superior performance.
Ability to plan, organize, delegate, and control branch operations at all levels.
Highly developed sales and customer communication skills as demonstrated by sales leadership. Skill to remain cognizant of the importance of public relations activities and evidence those qualities necessary to represent the Bank well in industry and community affairs.
Analytical skills to conduct loan analysis and determine loan needs and qualifications of customers.
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, talk and hear. The employee is occasionally required to stand; walk; and reach with hands and arms. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision.