Branch Manager

Credit Union of Texas•Allen, TX

11d•Onsite

About The Position

The Branch Manager — SGC leads the day-to-day operations, sales performance, member experience, and team development of the CUTX SGC branch. The role builds and develops a high-performing team that consistently meets or exceeds sales and service goals defined by CUTX's strategic plan and core values, manages branch financial and operational performance, ensures the security and maintenance of the physical facility, and represents CUTX in the local community. The Branch Manager partners with Business Development, Lending, and other support functions to grow membership, deepen relationships, and deliver a consistent, member-centric experience while operating within CUTX policy, regulatory requirements, and AI governance expectations.

Requirements

High school diploma or equivalent required.
Minimum four to six (4–6) years of related experience in a financial institution environment, or equivalent.
Demonstrated experience leading a branch or retail team, including coaching, performance management, and sales/service goal attainment.
Notary Public commission (or ability to obtain within an agreed timeframe).
Valid Texas driver's license for periodic travel to other CUTX locations and community/business development events.
Working knowledge of consumer deposit, lending, and credit union service products and operations.
Working knowledge of BSA/AML, OFAC, USA PATRIOT Act, Regulation CC, Regulation D, and other regulations applicable to retail branch operations.
Effective verbal and written communication skills, including tact and diplomacy when working with internal and external members.
Strong cognitive thinking, problem-solving, and sound decision-making skills.
Excellent member-centric service skills and the ability to model service standards.
Ability to multi-task and work under the pressure of deadlines in a fast-paced environment.
Ability to consistently coach and develop team members.
Basic mathematical skills as applied to the financial services industry.
Proficiency with Microsoft Office, telephone systems, 10-key calculator, and the ability to learn CUTX's core, lending, and reporting systems.
Character built on integrity and sincerity; relatable, approachable leadership style.
Goal-oriented with the ability to stay focused and lead a team to results.
The Branch Manager is directly accountable for hiring, coaching, and developing a high-performing branch team and for holding team members accountable to results.
The role sets the service tone for the branch, owns member escalations, and represents CUTX in the local community.
The role is accountable for branch sales and service goal attainment and for translating strategy into daily team execution.
Branch security, cash handling, dual control, and audit-readiness require disciplined execution and oversight.
The role is responsible for branch compliance with BSA/AML, OFAC, USA PATRIOT Act, and other applicable retail-banking regulations.
The role uses AI-augmented coaching, analytics, and productivity tools (Tier 2) and is responsible for human-in-the-loop review on every member- or employee-impacting output.
The role communicates frequently with members, team members, peers, and leadership across multiple channels and contexts.
The role identifies and escalates fraud, security, compliance, and member-harm concerns arising in branch operations.
The Branch Manager - SGC is responsible for all enterprise compliance obligations applicable to a CUTX team member, including BSA/AML, OFAC, USA PATRIOT Act/CIP/CDD, GLBA and the Safeguards Rule, Fair Lending laws (ECOA/Reg B, Fair Housing Act), UDAAP, Information Security and Acceptable Use, and the CUTX Code of Conduct.
The Branch Manager - SGC is responsible for the CUTX Generative AI Usage Policy (TRAIGA / HB 149-aligned), the CUTX AI Playbook (including Tier 2 obligations applicable to this role), and Texas Responsible Artificial Intelligence Governance Act (TRAIGA / HB 149) requirements applicable to the role.
Bank Secrecy Act / Anti-Money Laundering (BSA/AML) and OFAC requirements as they apply to retail branch operations, including CTR/SAR awareness and escalation.
USA PATRIOT Act, Customer Identification Program (CIP), and Customer Due Diligence (CDD) requirements at account opening.
Regulation CC (funds availability), Regulation D, Regulation E, and Regulation DD as applicable to deposit operations.
Truth in Savings Act and applicable consumer disclosure requirements.
GLBA and the Safeguards Rule with respect to member information handled in the branch.
CUTX Retail / Branch Operations Policy, Cash Handling and Dual Control procedures, and Physical Security policy.
CUTX Code of Conduct and member privacy policies.

Nice To Haves

Bachelor's degree and/or equivalent experience and certifications preferred.
Prior credit union experience preferred.
Bilingual English / Spanish preferred.
Prior experience using analytics or AI-augmented productivity, coaching, or pipeline tools preferred.

Responsibilities

Develop each team member through ongoing coaching, training, and feedback to meet or exceed sales and service standards.
Meet regularly with each team member to review performance and hold team members accountable to sales and service goals established by leadership.
Conduct annual performance evaluations and ongoing performance conversations.
Lead sales training meetings and team huddles for branch employees.
Administer corrective action when necessary, up to and including termination, to hold team members accountable for performance and behavior.
Identify exceptional talent through CUTX's hiring process and make recommendations for advancement, promotion, or other internal opportunities.
Motivate fellow staff to meet or exceed established goals and foster a culture of teamwork, positivity, and accountability.
Own responsibility for meeting or exceeding branch sales and service goals, including loan production, deposit growth, and member satisfaction.
Receive and respond to member feedback, resolving escalated member issues with professionalism and discretion.
Deliver an exceptional, member-centric experience and model CUTX service standards for the team.
Serve as Notary Public and perform Signature Guarantee as needed.
Work closely with Business Development to identify and pursue growth opportunities within the Sherman/Grayson County community.
Plan, coordinate, and manage all credit union services and activities of the branch.
Assign and delegate daily work assignments to all branch team members.
Review and evaluate reports of branch activities, including staffing, loans, deposits, overdrafts, charge-offs, and audits, to meet credit union performance objectives.
Leverage management tools and reports to analyze, identify, and strategically address trends.
Manage branch expenses within an approved budget and authorize the payment of branch bills.
Accept responsibility for the overall security of the branch, including keys, combinations, documents, records, and negotiable items.
Oversee the daily maintenance, well-being, and security of the physical facility.
Ensure opening, closing, and dual-control procedures are consistently followed.
Perform job duties within CUTX bylaws, regulations, Board of Directors policies, established internal and external service standards, and work procedures.
Ensure branch compliance with Bank Secrecy Act / Anti-Money Laundering, Office of Foreign Assets Control, and USA PATRIOT Act requirements as they apply to branch operations.
Maintain audit-ready records of branch transactions, cash handling, and member interactions; promptly remediate audit and exam findings.
Identify and escalate suspicious activity, potential fraud, and member-harm concerns through appropriate channels.
Demonstrate enthusiastic support of the CUTX corporate mission, core values, and long-term objectives.
Promote strategic initiatives and objectives throughout the credit union to help meet established goals.
Enhance organization-wide communication between the branch and support departments.
Seek to understand and appreciate different perspectives and employee feedback from other departments.
Perform other duties as required to maintain credit union services and operations.
Apply human-in-the-loop review on every AI-generated coaching note, performance summary, member-facing communication, and operational recommendation before action is taken.
Stop reliance on AI output and escalate immediately if output appears inaccurate, biased, non-compliant, or outside the role's documented scope (Generative AI Usage Policy §3.5).
Refrain from entering member non-public personal information (NPI), confidential CUTX information, or material non-public information into any AI tool not explicitly approved for that data classification.
Complete all required AI training within thirty (30) days of hire and maintain currency on annual refreshers.