Branch Manager

Position Summary

  Direct and oversee the retail operations, facilities, and customer service activities of the branch location to ensure compliance with all bank policies, regulatory requirements, and operational standards. Support the bank's strategic objectives by maintaining high-performance standards, fostering exceptional customer relationships, and promoting community engagement.

Responsible for supervising branch staff, overseeing customer account services, electronic banking, fraud prevention, sales and service initiatives, and branch facilities while ensuring a superior customer experience. Originate, underwrite, and close secured and unsecured consumer loans in accordance with the bank's lending policies and objectives. Develop customer relationships, identify lending opportunities, and provide financial solutions that meet customer needs while maintaining sound credit quality and regulatory compliance.

Responsibilities

1. Follow and hold employees accountable to CUSB Bank Employee Standards and Extraordinary Customer Service Standards, including but not limited to the CUSB 5 Pillars.

Branch Manager

2. Professional representative of the bank to deliver effective communication of employee announcements, work procedures, and staffing issues through their direct reports and the branch locations. Provides the information individuals need to know to do their jobs and to feel good about being a member of the team, unit, and organization.

3. Directly supervising Tellers and Financial Services Representatives in the branch location.

4. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

5. Maintain thorough product knowledge of all retail products. Provide staff training to include product knowledge, sales, referrals, customer service, and policy and procedures.

6. Work directly with Retail Manager and Marketing Department in all aspects of the Sales & Service processes. This includes but is not limited to developing branch sales plans and a sales culture in the branch bank. Sets goals for the staff and ensures accountability for their sales and referral performance. Plans and facilitates sales meetings to discuss sales and referral results, product promotions, etc. Ensure that all sales results are achieved.

7. Responsible for overseeing the maintenance and appearance of the branch location to ensure a safe, professional, and welcoming environment for customers and employees.

8. Responsible for maintaining the budgeting, working with branch Bank vendors.

9. Responsible for coordinating branch bank in community activities.

Consumer Lending

1. Participate in the development of procedures for the effective delivery of consumer loans.

2. Interview applicants and request specified information for loan application; applicant credit reports, background checks, reference checks, income verification and other information pertinent to evaluation of loan application; analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan; and correspond with or interview applicant or creditors to resolve questions regarding application information.

3. Compile loan package and facilitates negotiation with applicant according to established standards, such as fees, loan repayment options, and other credit terms; refers loan to loan committee for approval; ensures loan agreements are complete and accurate according to policy; assures timely loan closing and funding activities.

4. Utilize government programs when deemed necessary to meet customer's credit needs.

5. Assists customers with inquiries and information requests and resolves complaints relating to loan products and services offered.

6. Assist in the collection procedures and processes of the loan officers to assure the timely collection of all delinquent accounts and develop revised loan repayment terms or schedules as necessary.

7. Establish and maintain positive working relationships with loan businesses and other organizations to provide information regarding the lending programs and policies.

8. Participate in the Bank's business development activities, represent the Bank in industry and professional associations, community organizations, local business groups, etc., and promote the Bank's favorable image.

1. High school diploma or general education degree (GED); or three to four years of relevant experience and/or training; or equivalent combination of education and experience.

2. Commitment to teamwork and reliable work ethic

3. Excellent customer service and interpersonal skills with both customers and other employees

4. Ability to read, write and speak the English language.

5. Strong verbal and written communication skills

6. Ability to operate standard office equipment and to compose business correspondence and reports.

7. Working knowledge of Microsoft Office, i.e., Word, Excel, and Outlook.

8. Demonstrate math skills as required to this position which includes adding, subtracting, multiplying, and dividing.

9. Reasonably regular and predictable attendance.

10. Must possess a valid drivers license.