Branch Sales Manager

CB&S Bank•Pike Rd, AL

About The Position

Plans, directs, and organizes the branch’s operational and sales activities in accordance with established policies and procedures to meet or exceed customers’ banking needs. Oversees branch operations, profitability, and compliance with bank policies and procedures. The role supervises branch personnel, develops business, manages the branch loan portfolio and budget, supports community involvement, and oversees customer service, security, operational controls, staff training, and branch facilities. The manager also handles loan requests within the applicable lending authority and submits requests above that authority to the loan committee.

Requirements

Bachelor’s degree from an accredited college, preferably with a concentration in accounting or finance, or equivalent related experience.
Two to three years of retail banking, consumer lending, and commercial lending experience.
One to two years of supervisory experience.
Strong personal leadership and organizational skills.
Excellent verbal and written communication skills.
Ability to analyze and summarize complex financial information and present recommendations for appropriate courses of action.

Nice To Haves

Bachelor’s degree concentration in accounting or finance.

Responsibilities

Generate new business through business development calls to existing and prospective customers to meet or exceed sales goals.
Supervise branch personnel, including training, directing, and coaching them on sales and operational activities; conduct annual and quarterly reviews.
Maintain an active role in community and civic affairs.
Maintain control and usage of the medallion stamp.
Chair local board meetings, prepare agendas, and provide board reports.
Establish and manage the branch loan portfolio; interview loan applicants, analyze financial information, and make appropriate loan decisions.
Identify non-conforming credits requiring additional approval or assistance and present loan requests above lending authority to the loan committee.
Prepare loan documents, clear exceptions, and conduct construction inspections.
Resolve customer complaints within the branch.
Follow lending authority limits established by loan policies and procedures.
Manage the branch budget to maximize profits and minimize expenses.
Process daily EIM items and make pay-or-return decisions within established authority limits.
Review and authorize staff schedules, including overtime and paid leave.
Review and approve accounts payable invoices and forward them to the Accounting Department for processing.
Implement the Branch Security Plan and train staff on security practices, including opening and closing procedures and monitoring the branch security system.
Ensure accurate processing and reporting of garnishments, tax levies, subpoenas, cash items, proof corrections, cash counts, CIP verifications, counterfeit currency reports, mail, night deposit logs and agreements, business resolutions, safe deposit boxes, collateral boxes and holds, negotiable instruments, and branch internal-control certifications.
Work with Branch Operations Administration to complete quarterly and annual operational training, including disaster recovery and business continuity plans and their implementation.
Conduct branch audits and clear exceptions under the guidance of Branch Operations Administration.
Train and cross-train personnel to help prevent future exceptions and ensure staff compliance with policies and procedures.
Approve requisitions for branch supplies.
Monitor and maintain branch property by coordinating upkeep and repairs with the Facilities department.
Perform other duties assigned by the supervisor.
Maintain a positive work environment and treat others courteously and respectfully; remain alert, follow company policies and procedures, and protect highly confidential matters.
Act on loan requests within two days when they are within the manager’s authority, and within twelve days for other loans, after receiving all information necessary to consider the request.