Branch Manager - Universal Banker

JOB DESCRIPTION

Employer Department

Vallant Bank Retail

Job title Exemption status

Branch Manager I / Universal Banker Exempt

Supervised by

Retail Sales Manager

Job Summary

The Branch Manager/Universal Banker is responsible for:

• facility and branch management
• successful performance management
• leadership and employee development
• sales manager and branch team leader for Connections and
• growing the portfolio of the branch
• serve as Security Coordinator of the branch
• building long-term customer relationships
• maintaining a positive service mentality
• ensuring superior quality service in completing all customer transactions
• matching the financial needs that achieve their customer goals with product and service solutions
• demonstrating an accurate knowledge of the bank's products and services

The employee will support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words, and deeds.

Core Responsibilities:

Leadership & Staff Development

• Supervise, coach, and develop direct reports.
• Meet with direct reports monthly to review performance expectations.
• Implement the Bank's Service Strategy standards and ensure team members consistently meet expectations.
• Work with direct reports to develop action plans to achieve personal goals that are consistent with and supportive of the vision, mission, values, and goals of the bank.
• Develop training and improvement plan with each direct report.
• Develop career development strategy with each direct report to foster professional development and mentor future bank leaders.
• Reinforce positive performance by utilizing the banks reward and recognition programs.
• Quickly address performance issues in a problem solving and constructive manner.
• Provide support and guidance in establishing and reviewing procedures, staffing requirements, and other related needs.
• Track performance of employees and follow-up when needed on referrals, etc.
• Answer general policy and procedure questions or refer to organizational resources.
• Perform quarterly and annual performance appraisals to evaluate employee effectiveness and efficiency for direct reports.
• Work with Sales & Service Manager to ensure the branch is being managed successfully.
• Assist Head Tellers in coaching Tellers when needed.
• Manage the branch's employee time schedule to conform to the bank's goals and maintain proper expense controls.
• Participate in cross-training employees.
• Perform annual performance appraisals to evaluate employee effectiveness and efficiency for direct reports.

Sales Management

• Manage the sales initiatives of the branch in accordance with the Branch Business Plan (BBP)
• Support all strategic sales goals of the bank
• Lead weekly branch sales meetings for a minimum of at least 10 per quarter.
• Branch Manager will ensure that all branch employees are able to conduct an effective sales presentation and will organize regular sales meetings to reinforce this behavior as well as customer service and cross-selling. These meetings, along with one-on-one coaching, will be vital to maintaining employee enthusiasm and the success of .
• Branch Manager will support the Captain to assist in the execution of program details. In addition, Branch Manager performs the same HPG tasks as those in the branch and will coordinate and assist with the Tell-A-Friend initiative.
• Ensures that brochures and HPG marketing materials are current and displayed professionally.
• Assist with monthly HPG re-certification
• Meet Retail and Business Annual Goals along with ensuring attachment ratios are within line of bank wide average.
• Provides support for the banks sales efforts which include selling and promoting bank products and services as the opportunities arise.
• Work with direct reports to develop networking strategies to achieve growth goals for both the branch and individual portfolios.
• Will have satisfactory HPG mystery shop results for their area of responsibility and will coach and hold accountable all affected employees when unsatisfactory results are received.
• Utilize Bankers Dashboard as a tool to monitor daily/weekly/monthly progress towards goals.
• Assist in preparing budgets, controlling branch expenses and in meeting the deposit goals of the office.
• Generate, meet, or exceed non-interest income goals.

Universal Banker Responsibilities

• Effective and quality customer interaction is the most important aspect of the employee's job. The customer is the number one priority.

• Make eye contact with the customer as soon as the customer enters the bank.

• Greet the person verbally-if the customer's name is known, use it.

• Smile and have a pleasant welcoming disposition.

• Communicate appreciation for the customer banking with the bank.

• Thank customer once the transaction is completed, using the name of the customer.

• Meet customer needs by:

• Using knowledge of banks products and services

• Developing a knowledge of regular bank customers

• Asking questions, listening effectively, understanding, analyzing and applying

• Connecting the customer to other bank resources, for example: Investments, Mortgage, etc.

• Open accounts for new and current customers, assist them in determining the account(s) and service(s), which will best meet their personal or business banking needs and make recommendations based on understanding of customer needs and knowledge of the bank product and services.

• Conduct effective personal and business checking/savings sales presentations that will result in an appropriate account recommendation and asking for the customer's business. Make appropriate professional referrals to other areas of the bank during account opening. Distribute and enthusiastically explain Tell-A-Friend coupons with each customer interaction, including five coupons with each new account opening.

• Cross-sell additional bank services to new and existing customers; refer customers to appropriate departments.

• Meet or exceed monthly referral/cross-sell goals.

• Accurately order checks for customers.

• Transfer money for customers' accounts via phone request. Proactively offer online banking, mobile banking, and phone X-press.

• Maintain accurate safe deposit box records.

• Admit customers to the Safe Deposit Vault in accordance with all laws, regulations, policies, and procedures.

• Maintain files for follow-up of new and closed accounts.

• Secure overdraft protection approval and answer NSFs in a timely manner.

• Assist in completing the most difficult and complex account opening/transactions when needed.

• Work to develop a personal and professional relationship with each prospect and current customer to effectively understand their banking needs.

• Maintain a portfolio of customers, contacting their top 25 customers at least twice a year.

• Identify top 10 growth opportunity customers and pursue a growth development plan of action every month.

• Proactively seek new business for the bank every day.

• Proactively conduct relationship building calls to customers while being alert to signals for sales opportunities.

• Utilize the MCIF-Connections to build and expand on relationships and track referral opportunities.

• Keep current every CIF file, updating and expanding at every opportunity

Deposit Growth

• Work to develop a personal and professional relationship with each prospect and current customer to effectively understand their banking needs.
• Develop new business by contacting prospects and clients.
• Assist customers in determining the account(s) and service(s) which will best meet their personal or business banking needs and make recommendations based on understanding of customer needs and knowledge of the bank product and services.
• Promote business for the bank by maintaining good client relations.
• Generate new deposit business by actively participating in outside business development efforts using various outside calling methods (including: contacting existing and prospective customers, which includes individuals, professional and civic groups, and local area businesses) to present bank products and services, develop new business and promote good will and positive public relations.
• Meet or exceed deposit portfolio goals.
• Expand client relationships by proactively reviewing client needs and investigate any significant changes in status of existing relationships.
• Serve as the "relationship manager" and liaison between the client and other areas of the Bank in resolving client problems and meeting the client's needs.
• Review and make all efforts to clear all overdrawn accounts.

Transaction Management

• The employee is responsible for accurately completing the following tasks related to cash management:

• Balancing and maintaining assigned cash drawer and limits following bank guidelines

• Recording of and processing night depository contents and deposits by mail

• Preparing change orders for commercial customers

• Research and resolve customer transaction issues.

• Conduct transactions and maintain accurate records of all transactions

• Complete the transaction in a speedy and accurate manner.

• Cash checks within assigned limits.

• Assist in the collection of cash items.

Security Coordinator & Facility Management

• Ensures the branch is opened, closed, and secured on a daily basis.
• Ensures branch facilities and properties are kept in accordance with Branch Delivery Standards for appearance, cleanliness, and safety.
• Responsible for completing the "Everything Speaks Checklist" monthly and correcting any deficiencies.
• Execute security checklist and reviews and notify Branch Operations Officer of any problems or errors.
• Serves as Security Coordinator for the branch.
• Conduct Security training at least bi-annually as defined by the Bank Security Officer.

Policies / Procedures / Compliance

• Attend all training sessions and follow all compliance, security, and internal guidelines to ensure accuracy and quality of each transaction.
• Verify identifications, stop payments, holds, signatures, new account information and other signs of genuineness when processing transactions.
• Review and ensure completion of all exceptions listed on the Document Tracking Log.
• Strive to clear all outstanding items within 20 days, ensure no items exceed 30 days.
• Complete Currency Transaction Reports accurately and on time when necessary.
• All personnel of the Bank will be committed to the Bank Secrecy Act policies and procedures in order to assist in detecting and preventing money laundering and other illegal activities from being conducted through our bank. Failure to comply with the Bank Secrecy Act policies and procedures may subject the employee to disciplinary action, up to and including discharge and possible criminal penalties.
• Focus on the importance of compliance and adhering to bank policies and procedures and ensures direct reports are doing so also.

Other Duties as Required

• Serve as the office resource person for issues concerning bank products and services.
• Take full ownership for the well-being and positive community image of the bank.
• Actively participate in community activities and civic functions to include representing the bank to the community in both an official and unofficial capacity.
• Issue accurate Official Checks and obtain valid signatures.
• Recognize and implement strategies to meet or exceed scorecard measurements.
• Perform other tasks and duties as assigned by management.

Skills, Knowledge, Talents

Education

• High school graduate with equivalent work and skill experience.

Prior Experience

• A minimum of two years banking, management and/or sales experience required.

Required Skills and Knowledge

• Must have a comprehensive knowledge of the bank's products and services.
• Must have a willingness to serve.
• Must be able to function efficiently in a network environment and have a working knowledge of Microsoft Office and SharePoint.
• Must be able to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits, and an understanding of the bank's account reconciliations).
• Project a professional image by adhering to guidelines in the employee handbook.
• Must have a general understanding of the Federal Reserve Banking System.
• Must be able to collect, research, and analyze information skillfully.
• Must be a self-starter, a creative thinker, flexible, eager, nurturing, open to change and exhibit good judgment.
• Must be a leader by example, attentive to detail, work well with others and responsive to supervisory guidance.

Vallant Bank is an Equal Opportunity Employer and a Drug Free Workplace. As a condition of employment, a completed Application of Employment and satisfactory results from a background check and drug screening must be received. Vallant supports a diverse workforce and welcomes all qualified applicants. It is the policy of Vallant Bank to consider applicants without regard to race, color, religion, creed, national origin, gender, disability, marital or veteran status, age, or any other legally protected status.