Branch Manager

 Responsible and accountable for the day-to-day operations and risk management of a branch. Direct management responsibilities for teller operations, loan processing and new accounts. Liaison with the main office and upkeep of the branch. 

Responsibility 1: Branch Management

• Responsible for security controls to protect  the office against criminal and fraudulent activities and unnecessary  risk and exposure. 
• Oversees  and develops branch personnel through training, and coaching for premier delivery of customer care.
• Enforces bank policies at the branch level.
• Evaluates performance on a constant basis, providing  guidance as needed and reviewing results with manager. 
• Accountable for self and branch team to participate in branch staff meetings, hold separate staff meetings as needed to keep        team up-to-date. 
• Identifies problems and institutes corrective action.
• Acts as liaison between branch and the main office. 
• Promotes excellent customer relations by consistently providing professional resolution of problems/issues.

  Responsibility 2: Lending

•  Interviews loan applicants, closes loans.
• Processes loans and makes credit decisions on a limited basis.
• Monitors past due loan accounts and makes collection contacts as needed.
• Insures loan policies are being followed.

 Responsibility 3: Customer Service 

•   Performs all teller responsibilities.   
• Responsible  for opening and closing all account types including IRA's.
• Provides  a customer experience that is consistent across all customer touch points, is a leader in customer satisfaction, loyalty, and retention. 
• Maintains a well-developed working knowledge of the complete line of products and services offered, taking responsibility to keep up to date and request assistance for further development needs.
• Responsible  for referrals to Personal Investment officer.  

 Responsibility 4: Referral/Sales Goal  

• Meet/Exceed assigned referral/sales goal for self and branch.

 Responsibility 5: Business Development 

• Actively participate in an aggressive business development call program to increase the bank’s  revenues from retail and commercial loans and deposit growth with an emphasis on cross-selling the bank’s product and service offerings.
•  Maintains and deepens their relationship with existing customers while focusing on actively seeking life-long relationships.
• Achieves established goals.
• Makes insurance and financial  services referrals. 
• Promotes the bank through involvement in various community activities. 

 Overall Performance Requirements  

The five Principles of Success are part of every employee’s   performance expectations at every level of the Bank. The “Principles” are   intended to encourage a culture of accountability, pride, loyalty and   enthusiasm in our staff. 

1. Be Open To Change

• Challenge the status quo.
• Generate creative ideas and solutions  and make informed decisions.

2. Act as a Valuable Team Member

• Recognize the importance of teamwork to achieve objectives.
• Communicate openly and confidently.
• Influence and convince others in a way that results in acceptance and agreement.
• Share ideas, information,  suggestions and expertise from others inside your immediate team and in other departments.
• Build strong team relationships.

3. Focus on the Customer Experience

• Cultivate a relationship with the customer.
• Develop an emotional connection  with the customer – focus on the relationship, not the transaction.
• Provide advice and help on WSB products and services that are relevant to the customer’s unique needs.

4. Accept Responsibility and Accountability

• Act with integrity.
• Maintain commitments and remain positive in the face of setbacks and obstacles.
• Keep challenges in perspective and remain positive.
• Take personal accountability for achieving individual and shared goals.
• Initiate action to move projects forward and adjust actions to respond to changing circumstances.
• Take responsibility for your own success.

5. Serve the Community

· Actively look for opportunities to be involved in the community.

· Recognize the importance of community involvement.

· Contribute and make a difference when dealing with outside organizations.

EDUCATION AND EXPERIENCE

High School Diploma or equivalent and a minimum of 3 years banking or customer service experience.

• PHYSICAL REQUIRMENTS

The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of the 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 frequently required to sit; stand; walk; talk; hear; see close vision; and use hands. The employee is occasionally required to reach with hands and arms; lift 5 to 20 pounds; and stoop, kneel, crouch, or crawl. 

Equipment: PC, keyboard, calculator, and telephone.

• WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. 

Noise level is moderate; Steady pace; Occasionally must deal with angry or hostile individuals; travel within the Bank’s branch offices is required.

West Shore Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity.

Please complete an application or send your resume to: West Shore Bank Human Resources P.O. Box 627 Ludington, MI  49431

M/ F/ Vet/ Disabled/ Minority/National Origin/ Religion/ Sexual Orientation/ Gender Identity and Expression