Branch Sales Manager

CB&S Bank•Selmer, TN

About The Position

The Branch Sales Manager plans, directs, and organizes branch operational and sales activities in accordance with established policies and procedures, with the aim of meeting or exceeding customer expectations and ensuring branch profitability and compliance. The role oversees branch personnel, sales development, lending and loan portfolio management, budgeting, customer service, security, operational controls, audits, and property coordination. The manager develops business with existing and prospective customers, supervises and coaches branch staff, and participates in community and civic affairs. The role also makes loan decisions within assigned authority, takes loan requests to the loan committee when required, and ensures accurate processing and reporting of a wide range of branch transactions and records. The manager supports operational training and business continuity planning, maintains a positive and respectful work environment, follows company policies, and handles confidential matters appropriately.

Requirements

Bachelor's degree from an accredited college 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.
Ability to maintain highly confidential matters.
Ability to remain alert in all job functions.
Follow all company policies and procedures.
Maintain a positive work environment and treat others courteously and respectfully.

Responsibilities

Plan, direct, and organize branch sales and operational activities in accordance with established policies and procedures.
Generate new business through development calls to existing and prospective customers to meet or exceed sales goals.
Supervise, train, direct, and coach branch personnel on sales and operational activities, and 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.
Present loan requests exceeding assigned lending authority to the loan committee for approval.
Prepare loan documents, clear exceptions, and conduct construction inspections.
Resolve customer complaints within the branch.
Follow lending authority limits and the loan policy and procedures.
Manage the branch budget to maximize profits and minimize expenses.
Process daily EIM items and pay-or-return decisions within established authority limits.
Review and authorize staff schedules, including approval of 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 procedures, including opening and closing procedures and monitoring the 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 audit exceptions.
Ensure branch personnel comply with all policies and procedures.
Approve requisitions for branch supplies.
Coordinate with the Facilities department regarding property upkeep and needed repairs.
Perform other duties as assigned by the supervisor.
Act on loan requests within two days when within the manager's authority and within twelve days for other loans, after receiving the information necessary to consider the request.