Branch Retail Lead

Description

The Branch Retail Lead proactively leads the growth of the office’s retail market share through a variety of business development efforts. Manages, coordinates and performs all Universal Banker functions. Underwrites, approves and closes consumer loan applications. Implements Bank Security procedures. Understands and completes job responsibilities in accordance with federal and state regulations.

Essential Functions:

Client Relationships 50%

• Grows consumer loans and deposits through outbound prospect calling to area small businesses and implementing retail outreach efforts
• Identifies the financial needs of our clients and serves as a Trusted Financial Advisor
• Cross-sells Bank products and services to clients
• Opens accounts according to set policies and procedures
• Reviews and approves consumer loan applications
• Troubleshoots and resolves client concerns
• Personalizes all client interactions and works to maintain client relationships
• Assists clients via phone, email, and in-person
• Completes all required account and loan documentation
• Ensures all regulation requirements are met

Management 30%

• Partners with the Retail Banking Manager and Community President to create business development initiatives
• Supervises Universal Bankers
• Provides regular training, coaching, and performance assessment
• Monitors cash limits, off-ages and Bank processes
• Ensures Universal Bankers are following regulatory and compliance requirements

Teller Operations 10%

• Assists clients in person and on the phone while following the Banks service standards
• Processes client transactions
• Maintains and balances cash drawer and/or vault on a daily basis
• Performs opening and/or closing procedures for the bank

Bank Security 5%

• Work with the Bank Security Officer to ensure the Bank’s Security and Safety Programs are being implemented and followed

Additional Duties and Responsibilities 5%

• Provides access to safe deposit boxes
• Assist other departments as needed
• Attends required department meetings
• Other job related duties necessary to carry out the responsibilities of this position
• Participates in internal and external training and development opportunities as required

Requirements

Work Relationships and Scope:

Works regularly with clients and co-workers for the purpose of obtaining and providing information and assistance. Works occasionally with suppliers and vendors, community/trade/professional affiliations. Works regularly with confidential business and client information. Occasionally participates in bank committees and events.

Performance Dimensions:

Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong organization skills; customer satisfaction with services provided; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank policies and procedures. Participates in training and appropriate professional development. Multi-tasks and effectively manages varying duties throughout the workday. Stays current in field and utilizes that information where practical; participates in training and appropriate professional development. Utilizes knowledge of Bank products and services to effectively cross-sell.

Knowledge, Skills and Abilities:

Requires Bachelor’s degree in finance, business or equivalent experience with a minimum of 2 years new account opening and consumer lending experience and 2 years supervisory experience. Must possess: strong leadership, management, coaching, presentation and training skills. Must possess courteous and professional customer service attitude; excellent verbal and written communication skills for interacting professionally with clients (both pleasant and difficult situations) and relating to other co-workers; ability to maintain the integrity of highly confidential client and Bank information. Must possess computer functioning and typing skills; basic mathematical skills up to and including fractions; legible handwriting. Must be able to deal effectively with time pressures and stress that can change hourly depending on level of client activity; effective problem solving skills; effective cross selling skills. Must be a self-starter and independent thinker and meet goals as outlined by the manager.

Working Conditions:

Work is performed largely in an office environment with minimal chance for personal injury. Regular contact with clients and co-workers. Occasional out-of-town travel is required for business and education. Regular mental and visual concentration for computer usage required. Frequent use of telephone. Frequent repetitive use of keyboard for approximately 6 hours per day; frequent repetitive fingering and grasping of papers. Receive and provide detailed information through verbal communication. Requires near-, mid-range, and far vision. Will alternate sitting, standing, and walking throughout work shift. Bend, stoop, turn, lift and carry up to 25 pounds in documents and office supplies. Climb stairs. Work is performed generally during regular business hours with minimal expectations of overtime, including a Saturday rotation.

Equipment Used:

Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet, and other bank specific software. Operates core systems on Silverlake. Utilizes a variety of office equipment including computer printer, cash recycler, ten-key calculator, fax, copy machine, typewriter, and multi-line telephone.

EEO/AA Employer/Vets/Disability