Retail Banking Manager

The Retail Banking Manager I is responsible for overall branch productivity, growth and profitability while maintaining an engaged, operationally sound, and high performing team that is focused on creating an exceptional in-branch customer experience. The Retail Banking Manager I is expected to drive results through their dedicated performance, with strong leadership ability to ensure their team exceeds established branch performance objectives. This position requires the skills and passion for expanding customer relationships through in-branch interactions as well as outside business development activities with inspiration to make a difference in the communities that we serve.

Responsible for growth in their assigned branch loan portfolio with direct responsibility for growth in all consumer loan products, including real estate transactions. 

Responsible for commercial loan portfolio growth through a partnership with assigned Small Business Bankers, Financial Services Officers and Market Presidents.

•  Cultivate an enthusiastic branch environment that supports and encourages employee development, facilitates regular team meetings and conducts coaching activities that drive customer interactions and achieves results
• Provide a consistent customer experience, which may include handling transactions or opening, modifying and closing all types of deposit accounts and safety deposit box services; Assist customers with account reconciliation, research requests, check orders, wire transfers, and debit card while seeking opportunities to develop customer relationships and identify referral opportunities
• Responsible for actively promoting and growing all consumer and commercial credit products, which may be originated or referred based on authority level; Assist customers in application process, gathering all required information for loan underwriting and communicating with customer throughout the credit process; Completes the credit file following the Bank’s lending guidelines and managing credit risk for each borrower
• Processes insurance payments in-branch and remains knowledgeable with applications used within the Bank’s insurance subsidiary
• Safeguards bank assets by consistently performing due diligence measures and following Customer Identification Program- CIP guidelines and seeks guidance when needed for higher risk transactions that could lead to exposure by loss or fraud 
• Resolves customer inquiries regarding products and services and fulfills servicing requests demonstrating sound problem solving and decision-making skills
• Remain well-informed with products, services and internal resources offered by the bank in order to effectively guide and      lead a team while supporting bank initiatives
• Consistently works to establish new relationships and strengthen existing, in-branch and with outside call activities, while using a consultative approach to understand customers financial needs and educates them on how to get the greatest value from our products and services 
• Actively participates in the bank-wide referral program
• Educates customers on standard consumer and commercial products, emerging bank technology and digital solutions such as mobile, online, and ATM offerings, all designed to make banking convenient
• Resolves product or service problems in accordance with established procedures and regulations by clarifying and determining the cause of the problem, selecting and expediting the best solution, and following up to ensure customer satisfaction
• Follows security measures, cash management policies, risk and internal control procedures to manage overall credit, operational and reputational risk of the organization 
• Ensures sound banking practices through compliance with all Federal and State banking laws and related regulations, to include but not limited to the Bank Secrecy Act 
• Builds and maintains productive relationships with co-workers and business referral partners throughout the organization– Financial Services Officers, Insurance, Trust, Mortgage, Financial Counseling  
• Ensures success and engagement of assigned in-school banking with the Super Savings Program
• Collaborates with Retail Market Manager and Branch Administration Manager to develop and maintain financial center budgets; manages branch financial performance by controlling fee waivers and other branch expenses
• Provide input to determine best methods and procedures on new assignments and may provide guidance and training to other associates
• Manages recruiting and selection process for assigned branch, with guidance from the Retail Market Manager, Branch Administration Manager and Human Resources Director 
• Assume an active leadership role in the community by maintaining a presence in organizational and volunteer activities 
• Other duties may be assigned 

Property & Casualty insurance license required.   

Bachelor's degree preferred. 

Five years prior banking, sales, and/or customer service experience

Five years prior consumer lending experience

Bi-lingual experience a plus. 

Competitive salary and benefits package available.  EEO.