Retail Banking

SUMMARY
:
The Branch Manager develops, expands, and maintains business relationships with customers while providing oversight and accountability for branch associates, ensuring financial performance, customer satisfaction, and adherence to branch policies and procedures. Demonstrates leadership competency and models skills and behaviors that produce high-performing teams.

ESSENTIAL JOB FUNCTIONS
:

• Lead, manage, and develop a branch team of direct reports with high complexity and risk in retail banking branch
• Drive branch revenue for a branch with high core deposit and loan balances or a branch in a market with potential for high core deposit and loan balance growth, through consumer and small business relationship development and new customer strategies; Drive the branch core deposit and loan growth through face to face appointments with customers, outbound calling, and participating on external business development calls with other partners
• Lead and participate in market, civic, government, professional, business, community affairs, associations and groups to prospect and develop new business through community involvement and build the Carter Bank brand
• Demonstrate and provide oversight to assure the effective and consistent application of retail operating model defined behaviors, skills, and tools
• Actively participate in executing the branch's strategic plan to grow core deposits and loans, fee income
• Oversee branch associate action planning, sets expectations, and assesses performance
• Maintain a high level of employee morale to minimize turnover and maximum customer service satisfaction
• Responsible for ensuring deposit and loan growth to obtain the bank's growth objectives by promoting the bank's products and services.
• Oversee the quality of consumer and business products sales and servicing
• Effectively identify and submit quality referrals to branch associates, internal partners (mortgage, community banking, treasury services, etc.), and vendor partners (credit card, merchant services, insurance, etc.)
• Oversee the quality of customer service and relationship management actions and decisions
• Consistently deliver exceptional customer experiences
• Assure safety and wellness standards are in place and practiced consistently and effectively
• Responsible for branch operations effectiveness by setting expectations for all branch associates.
• Oversee adherence to the bank and regulatory policies and procedures
• Assure systems and facilities are maintained
• Collaborate with internal partners to identify areas of opportunities and areas of improvements
• Effectively responds to issues, errors and complaints
• Demonstrate and oversees the effective and consistent application of performance and talent management processes
• Consistently demonstrate adaptability and serve in the tradition of care for which CB&T is known, modeling skills and behaviors defined in the retail imperatives
• Responsible for originating consumer and small business lending, for existing and new customers
• Assist customers to identify appropriate lending and deposit product solutions, completing the deposit opening process, loan application, and closing the loan
• Works with Retail Credit staff to review complicated transactions, structure loans, and loan exceptions
• Review reports outlined in toolkit and cadence relating to production, HR, Branch Operations, Retail Operations, Relationship Management
• Responsible for processing override approvals for transactions as needed
• Responsible for onboarding new associates with planning, oversight, and training
• Coach and mentor branch associates

JOB REQUIREMENTS
:

• High school diploma or equivalence required, associate's or bachelor's degree in business, finance, accounting, or equivalent field preferred
• Previous experience in a financial institution required
• Proven leadership capability in a prior position required
• Successful customer service and sales leadership experience required
• Successful account/relationship management experience required
• Successful operations leadership experience
• Successful business development experience

KNOWLEDGE/SKILLS REQUIRED
:

• Excellent relationship and portfolio management skills
• Effectively manages staffing and scheduling to meet business objectives
• Excellent communication and presentation skills
• Ability to effectively manage competing priorities
• Proven leadership skills in staffing, managing, and developing associates
• Proficient in Word, Excel and Power Point
• Strong computer skills
• Advanced math and accounting skills
• Extensive knowledge of banking industry products and services
• Extensive knowledge of banking industry regulations
• Proven negotiation skills
• Ability to develop and execute strategic plans

PHYSICAL AND MENTAL QUALIFICATIONS
:

• Sitting, standing, walking to the terminal, and occasional stooping
• Requires lifting bags and/or tray of coins and bills periodically
• May require working outside designated branch hours to meet business needs
• Travel with occasional overnight travel required

The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified.

NOT A CONTRACT