Branch Sales Manager

CB&S Bank•Adamsville, TN

About The Position

The Branch Sales Manager plans, directs, and organizes the branch’s operational and sales activities in accordance with established policies and procedures. The role oversees branch operations to meet or exceed customers’ banking expectations while ensuring profitability and compliance with bank policies and procedures. The manager develops new business, supervises and coaches branch personnel, manages the branch loan portfolio and budget, and oversees customer service, lending, security, operational controls, and property upkeep. The position also participates in community and civic affairs and chairs local board meetings. The manager handles loan requests within established authority and presents requests above that authority to the loan committee. The role requires a positive, respectful work environment, alertness in all job functions, adherence to company policies and procedures, and the ability to maintain confidential information. After receiving the information needed to evaluate a loan request, the manager acts within two days on loans within their authority and within twelve days on other loans.

Requirements

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.
Alertness in all job functions and adherence to company policies and procedures.
Maintain a positive work environment and treat others courteously and respectfully.

Nice To Haves

Bachelor’s degree from an accredited college, preferably with a concentration in accounting or finance; equivalent related experience is also accepted.

Responsibilities

Generate new business through calls to existing and prospective customers to meet or exceed sales goals.
Supervise, train, direct, and coach branch personnel 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.
Present loan requests above the manager’s lending authority to the loan committee.
Prepare loan documents and clear exceptions and 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, including 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, 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, and mail.
Ensure accurate handling of night deposit logs, agreements, business resolutions, safe deposit boxes, collateral boxes, holds for notes secured by deposit accounts, and negotiable instruments balancing and reporting.
Certify branch internal controls.
Work with Branch Operations Administration on quarterly and annual operational training, including disaster recovery and business continuity plans and their implementation.
Conduct branch audits, clear exceptions under the guidance of Branch Operations Administration, and train and cross-train personnel to prevent future exceptions.
Ensure branch personnel comply with policies and procedures.
Approve branch supply requisitions.
Coordinate with Facilities regarding property upkeep and needed repairs.
Perform other duties assigned by the supervisor.
Act on loan requests within two days when within the manager’s authority and within twelve days for other loans, once all necessary information has been received.