Branch Manager Job Description

Job Overview:

Manage operations and maximize profitability of a full-service retail branch; positively influencing branch profitability by expanding and developing new personal and small business banking relationships. Develop a culture of high-quality customer service professionals to grow the customer base and branch portfolio in a cost-effective manner. 

Job Duties and Responsibilities:

• Oversee daily operations, identifying opportunities to optimize processes and enhance service levels.

• Coach, mentor, and motivate a team of dedicated banking professionals.

• Lead the branch to achieve sales goals by generating referral business, opening new accounts, managing current clients' accounts, and promoting various banking products.

• Conduct outbound business calls with prospects and clients to understand their current and future financial needs.

• Participate in community activities to increase the bank’s visibility and enhance business opportunities.

• Demonstrate consistent and effective leadership through the supervision and development of branch employees, achieving branch goals, minimizing turnover, and fostering effective working relationships.

• Maintain a thorough knowledge of available loan products and determine the best options for customers.

• Assist customers in completing loan applications and ensure all required documentation is collected.

• Analyze financial information to make informed decisions regarding customers' creditworthiness.

• Negotiate terms and conditions within assigned parameters and approve or reject loan applications within the officer’s approved limits and established bank policies.

• Address customer inquiries and concerns before and after loan closing, resolving issues in conjunction with loan operations.

• Monitor the loan portfolio through periodic reviews, continual analysis, and proper documentation.

• Monitor repayment activities of borrowers, addressing any issues, delinquencies, or deficiencies through written or oral communication within applicable laws. Maintain accurate collection notes within the applicable system.

• Ensure appropriate staffing levels to meet department needs.

• Review employee performance and plan compensation based on performance evaluations.

• Ensure compliance with all bank policies, procedures, and applicable state and federal banking regulations.

• Perform other duties and responsibilities as assigned.

Knowledge:

• Comprehensive understanding of daily banking operations and process optimization.

• In-depth knowledge of sales strategies, referral business generation, and account management.

• Familiarity with various banking products and services.

• Thorough knowledge of loan products and the loan application process.

• Understanding financial information analysis and creditworthiness assessment.

• Awareness of community engagement practices to enhance business opportunities.

• Knowledge of bank policies, procedures, and state and federal banking regulations.

• Understanding of loan portfolio monitoring and documentation practices.

• Familiarity with repayment activities and compliance with applicable laws.

Skills:

• Strong leadership and team management skills to coach, mentor, and motivate banking professionals.

• Ability to identify opportunities to optimize processes and enhance service levels.

• Proficiency in achieving sales goals through referral business, new account generation, and product promotion.

• Effective communication skills for conducting outbound business calls and understanding clients' financial needs.

• Community engagement skills to increase the bank’s visibility and business opportunities.

• Consistent and effective leadership in supervising and developing branch employees.

• Customer service skills to assist with loan applications and address inquiries and concerns.

• Analytical skills to make informed decisions on creditworthiness and loan approvals.

• Negotiation skills to set terms and conditions within assigned parameters.

• Problem-solving skills to resolve issues in conjunction with loan operations.

• Attention to detail for monitoring loan portfolios and maintaining accurate documentation.

Qualifications:

• Must have a minimum of a High School diploma. A bachelor’s degree, or equivalent experience is preferred. 

• 3 + years’ experience in the financial services industry and banking operations with supervisory experience preferred.

• Valid driver’s license and the ability to travel to bank locations as needed.

Work Environment:

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, copiers, scanners, filing cabinets, and fax machines. The noise level in the work environment is usually moderate. Travel may be required. 

Physical Demands:

The physical demands described represent those an employee must meet to perform the essential functions of this job. While performing the duties of this job, the employee will regularly sit, stand, walk, talk, hear, bend, or kneel. Ability to see objects up close or at a distance, use peripheral vision, identify basic colors; Use of hands with ability to reach; ability to lift up to 20 pounds.

The First Bank of Alabama is inclusive and supportive of individual needs and provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.

Management reserves the right to add to, change and revise this description at any time. The description does not include any marginal functions that are incidental to the essential functions of the position, nor does it imply these are the only tasks to be performed.