Branch Sales Manager

CB&S Bank•Selmer, TN

About The Position

Plans, directs, and organizes the branch’s operational and sales activities in accordance with established policies and procedures, with the goal of meeting or exceeding customers’ banking expectations. Oversees branch operations, profitability, lending, staff, security, compliance, and customer service. The role also supports the branch’s community involvement and coordinates with bank departments on operational training, audits, facilities, and administrative matters. The manager generates business, supervises and develops branch personnel, manages the branch loan portfolio and budget, and ensures accurate completion of operational and compliance processes. The role handles customer complaints and loan decisions within delegated authority, escalates lending requests when required, and helps ensure that branch staff follow bank policies and procedures. The position requires a bachelor’s degree in accounting or finance, or equivalent related experience; two to three years of retail banking and consumer and commercial lending experience; and at least one to two years of supervisory experience. A concentration in accounting or finance is preferred. The manager is expected to maintain a positive and respectful work environment, protect confidential information, remain alert in all job functions, and meet stated loan-request decision timelines.

Requirements

Bachelor’s degree from an accredited college, 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 information.
Ability to follow company policies and procedures and remain alert in all job functions.

Nice To Haves

Bachelor’s degree concentration in accounting or finance.

Responsibilities

Generate new business through development calls to existing and prospective customers and meet or exceed established sales goals.
Supervise, train, direct, coach, and cross-train branch personnel; conduct annual and quarterly reviews.
Participate in community and civic affairs.
Maintain control and oversee use 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 beyond 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 and loan policies 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 overtime and paid leave.
Review and approve accounts payable invoices and forward them to Accounting for processing.
Implement the Branch Security Plan and train staff on security procedures, including opening and closing procedures and monitoring the branch security system.
Ensure accurate processing or 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 certification.
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.
Ensure branch personnel comply with policies and procedures.
Approve requisitions for branch supplies.
Coordinate with Facilities on property upkeep and needed repairs.
Perform other duties assigned by the supervisor.
Act on loan requests within two days when they are within the manager’s authority and within twelve days for other loans, once all necessary information has been received.