Retail Banking Manager

Retail Banking MANAGER

DEPARTMENT: Retail NORMAL WORK SCHEDULE: Monday -Saturday

REPORTS TO: Chief Retail Banking Officer NORMAL HOURS PER WEEK: 40

SUPERVISES: Universal Bankers/Branch Operations Managers

CLASSIFICATION: Exempt

LAST REVISED: October 2024

POSITION SUMMARY: Directs and oversees all Retail Deposit services, including new accounts, IRA’s and daily operations of the bank and supervises employees. Ensures bank and regulatory policies and procedures are followed. Ensures all customers receive prompt and courteous service. Works to ensure maximization of customer relationships based on customer need and aligned with the Bank’s core values. Manages operations of all branches including BOM at Main Office, such as security (including opening and closing of the branches), scheduling of the branch and oversight of maintenance. Performs routine teller duties and opens new accounts on needed basis. Performs a full range of retail banking services, including consumer loans, for individual customers, with emphasis on deposit and fee-based services.

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:

1. Is a working manager. Drives all aspects of the Retail sales and service process for the bank. Develops branch sales plans. Promotes, explains, and educations Retail banking products to the employees. Asks clients for referrals. Does whatever is necessary daily to service customers, including potential backup in Teller area, new accounts and answering phones. Management of operations of the branch, which includes security, scheduling, and oversight of Universal Bankers.

2. Supervises a staff of people, primarily universal bankers, and handles branch retail scheduling at all locations. Management oversight of the Universal Bankers and New Account Specialists, including performance evaluations and goal setting. Assures effective communication across all regions, markets, and locations. Regularly communicates goals and results. Works with direct report to build culture characterized by teamwork and high morale.

3. Responsible for ensuring retention of profitable customers within the bank. Develops and implements plans to call on maturing accounts, sales leads, referrals, new account follow-up, and other prospecting opportunities for the designated market area. Proactively identifies sales opportunities with an emphasis on maximizing profitable client relationships. Tracks results and follows up as appropriate.

4. Authorizes transactions in accordance with bank policy (e.g., deposits, withdrawals, check cashing, wire transfers, etc.). Addresses and resolves client concerns and inquiries. Ensures and is held accountable for the audit integrity, risk management, and security of the branch, as well as overall facility management and upkeep. Maintains thorough product knowledge of all retail bank products.

5. Responsible for assisting the BSA Officer with the BSA requirements, including the monitoring and reporting, and education to staff regarding this regulation.

6. Ensures applicable regulations, disclosures, policies, and procedures are followed and is trained on depository/lending compliance regulations. Also responsible in training Universal Bankers and New Account Specialists.

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES:

· Actively seeks opportunities to strengthen ties between the Bank and the community, while maintaining a positive, professional, and respectful image of the Bank.

· Takes credit applications for overdraft protection and consumer loans. Is a trained consumer lender. Ensures that applicable regulations, disclosures, policies, and procedures are observed, and credit quality is aligned with Loan Policy and credit quality guidelines.

· Performs all activities related to the opening or closing of various types of time and demand deposit accounts, including certificates of deposits, checking accounts, and savings products. Perform a wide range of services including, servicing and maintenance for, debit cards, CDs, HSAs, IRAs, safe deposit boxes, including address changes, stop payments, transfers, and processes check orders.

· When needed function as Teller, receiving and processing Teller transactions accurately and timely. Follows Bank procedures when performing transactions on teller system and other required equipment. Verifies and balances assigned cash drawer daily with minimal cash variances. Assists in reconciling errors or discrepancies for self and others. Maintains adequate cash and/or cash drawer limits as required by Bank policy.

· Other duties as may be assigned.

COMPETENCIES:

· rganization Knowledge – Effective performers understand the workings of the organization. Specifically, they understand the formal and informal policies and structures that govern operations and know the essential technologies at the heart of the business. They know “how the place works.”

· Relationship Building – Effective performers understand that a primary factor in success is establishing and maintaining productive relationships. The like interacting with people and are good at it. They devote appropriate time and energy to establishing and maintaining networks. They initiate contacts readily and maintain them over time. They can utilize relationships to facilitate business transactions.

· Team Management - Effective performers create and maintain functional work units. They understand the human dynamics of team formation and maintenance. They formulate team roles and actively recruit and select to build effective workgroups. They develop and communicate clear team goals and roles and provide the level of guidance and management appropriate to the circumstances. They reward team behavior and foster a team atmosphere in the workplace.

· Delegation – Effective performers willingly entrust work to others. They provide clear guidelines, monitor, redirect, and set limits as needed. They provide challenging assignments whenever possible, sharing the authority and providing resources and support that empower others to meet their expectations.

· Communicativeness – Effective performers recognize the essential value of continuous information exchange and the competitive advantage it brings. They actively seek information from a variety of sources and disseminate it in a variety of ways. They use modern technologies to assess and circulate information, even across great distances. They take responsibility for ensuring that their people have the current and accurate information needed for success.

TEAM/COMMITTEE ASSIGNMENTS:

· TBD

ROLE QUALIFICATIONS:

Education

· Bachelor’s degree or equivalent combination education and experience preferred.

· Specialized bank-related training

Experience

· A minimum of 3 to 5 years retail banking experience

Other Skills and Abilities

· Strong communication skills, both written and verbal

· Customer service focused

· Resourceful, innovative and well organized

· Ability to assess problems and/or unusual situations and develop logical solutions

· Ability to create a collaborative and motivating team environment

· Ability to develop and advance skills of staff

· Strong ethical focus

· Negotiation skills

· Strong attention to detail

· Knowledge and understanding of bank regulatory compliance

PERFORMANCE MEASURES:

· Meets or exceeds annual goals as pre-established by the President/CEO that are aligned with the strategic plan

· Accuracy of work

· Timeliness of work, ability to meet predetermined deadlines

· Compliance with regulatory requirements

· Retains key team members, minimizing unwanted turnover

· Maintains professional, well-kept appearance of facility at all times

WORKING CONDITIONS:

Work is performed largely within the Bank. Prolonged and frequent mental and visual concentration required. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasional travel between offices and out-of-town/overnight business travel required. Serves as a representative of the Bank at appropriate functions.

GENERAL NOTICE:

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.

Job Type: Full-time

Pay: From $45,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Retirement plan
• Tuition reimbursement
• Vision insurance

Schedule:

• 8 hour shift

Work Location: In person

Salary : $45,000