Chief Banking Officer

The Chief Banking Officer (CBO) provides senior level leadership and oversight for the division’s retail and operational departments. The position develops and executes a deposit strategy to achieve growth goals in retail lending, deposit growth, and costs of funds. In addition, the position is responsible for aligning retail banking services and proper operational controls, administrative reporting, and compliance. The CBO has primary responsibility for growth and production elements of the retail banking operations, as well as developing channels through which community banking and products and services are offered, while overseeing operations and facilities for the division. Responsible for the management and performance of direct reports.

DUTIES AND RESPONSIBILITIES:

1. Direct management and oversight of Retail Lending, Branch Retail Services, Operations (Centralized Operations, Wire Processing, E-Banking, BSA, Call Center).
2. Establish collaborative environment and implement the strategic sales and deposit growth goals in line with operational standards and procedures and periodically assess performance against Bank’s strategic goals.
3. Participate with Senior Management in the development of the Bank’s long-range planning and strategic goals. Institute and direct immediate long-range planning based on continual evaluation of results.
4. Provide leadership in establishing overall objectives, policies, and plans for designated marketplace, and formulate, recommend, and review related policies and procedures.
5. Work with Bank President/CEO, Senior Management team, and others in reviewing overall operations and advising on policy questions, business development, staff requirements, salary administration, and other administrative matters.
6. Take the lead on elevated customer complaints referred to limit reputational, compliance, and monetary risk to bank. In coordination with the Bank President/CEO, utilize legal counsel as necessary and appropriate.
7. Develop and maintain SME-level knowledge of bank operations systems, regulations, established practices, processes, and initiatives.
8. Project management and coordination of new product delivery, product implementation, testing, rollout, and post-implementation servicing.
9. Identify, develop, and execute long-term strategies that include but are not limited to initiatives regarding appropriate retail lending portfolio mix, product offerings, growth strategies and market penetration objectives in community banking and for maximizing the results of those areas.
10. Responsible for loan and deposit pricing within the division in consultation with the Bank President/CEO and GBCI. Assist with development and pricing of products.
11. Ensure compliance with state and federal regulations for community banking and retail operations.
12. Develop and implement appropriate business development metrics for community banking products and services and operations.
13. Recruit, manage, and develop the retail banking and operations teams. Oversee appropriate training and development of staff for operations, branch management, products, and practices.
14. Work with staff to develop and establish individual goals and objectives against established goals and standards for improving the competitive position. Keep informed on competitive situations and new, successful ideas and methods in the marketing and public relations field of the designated marketplace.
15. Streamline and improve community bank operations practices through appropriate technology, business development, and other tools, in coordination with GBCI.
16. Manage direct reports to maximize productivity, efficiency, and the potential of the human assets of the company, including hiring, directing job assignments, monitoring staff performance, coaching, counseling, training, assuring compliance with regulatory requirements and organizational mission, values, policies, and work rules. Appraise performance and provide recommendations for staff compensation, promotion, and termination, as appropriate.
17. Act as representative of the Bank and establish and maintain relations with other companies, businesses, community associations, and governmental agencies within designated marketplace. Actively participate and represent Bank in various community, civic, and professional organizations. Identify opportunities in the market for expansion of services and recommend methods for developing existing markets and opening new ones for customer services.
18. Effectively and positively lead team through change while demonstrating positive attitude and behaviors. Support department, division, and company initiatives. Identify and effectively resolve problems. Maintain schedules to always ensure adequate coverage. May conduct or assist with hiring team members within area of responsibility.

QUALIFICATIONS:

EXPERIENCE REQUIRED:

• Minimum of 10 years of similar or related experience.
• Documented leadership experience in a bank environment, including management experience is preferred.

EDUCATION/CERTIFICATION/LICENSES:

• Bachelor’s degree in business administration, finance, accounting, or related field.
• Must possess current valid driver’s license.

KNOWLEDGE, SKILLS, ABILITIES:

Understanding and ability to implement bank regulations and policies to support the safety, soundness, and compliance goals of the bank. Ability to work with vendors to achieve business objectives. Basic understanding of contracts and legal agreements.

Working knowledge of core banking systems, such as Jack Henry, FISERV, or equivalent system preferred.

Working knowledge of standard office equipment. Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications.

Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques. Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner.

Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers. We expect you, as an employee, to support our values and visions of Integrity, Service and Success.

Teamwork: Demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.

Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others.

Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs.

Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties; adhere to Bank policies and procedures regarding confidentiality.

Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.

Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.

Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines.

Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations.

Individual Responsibility and Accountability: Accept responsibility for own work performance; accept responsibility for own actions and outcomes and does not blame others. Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. Conduct follow-through and meets commitments and agreements in a timely manner; relied upon by others as a source of valid information.

WORK ENVIRONMENT:

Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.

Must be capable of up to 10% travel (e.g. 2 days/month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.

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 often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: climb, balance, stoop, kneel, crouch, crawl, push, and pull.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable, and timely attendance. Must be capable of climbing/descending stairs in an emergency.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally, and all other sedentary criteria are met.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.