Branch Manager/Retail Business Development Officer - West Ashley

South Atlantic Bank · Charleston, South Carolina

FULL TIME

Job Description

JOB SUMMARY

The Branch Manager/Retail BDO develops and manages a retail account portfolio including deposits and loans, manages branch staff and leads the operations and sales efforts of the branch. The focus is primarily ensuring the efficient flow of operations in the branch, cultivating existing relationships, pursuing cross-selling opportunities, developing new business in the market area and extending consumer credit to qualified applicants. The Branch Manager/Retail BDO will know how to open and service deposit accounts and do so as needed. Incumbent will maintain an active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry).

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Bachelor’s degree preferably in finance, business, marketing or related area or the equivalent obtained through related experience
Three years of related retail banking and consumer lending experience or more if no college degree

· Proven sales skills and ability to close deals

Demonstrated ability to manage/supervise others, showing skills in delegating, leadership, problem-solving, and handling employee issues, by previous experience or by education.

· Strong verbal and written communication skills

Knowledge of bank product lines and services as well as an understanding of branch operations and security
Proficiency with Microsoft Office (Word, Excel, Outlook, etc.) and office equipment

· Strong attention to detail and organizational skills

Customer service oriented mindset with internal and external customers
Familiarity with lending regulations, bank lending guidelines, compliance and deposit regulations

ESSENTIAL DUTIES AND RESPONSIBILITIES

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Effectively hire, onboard and manage the staff, ensuring each member has been appropriately trained on bank policies and procedures; is involved in attainment of branch goals; and delivers the highest level of customer service in all aspects of their duties.
Develop skills of staff members by providing regular coaching and performance feedback
Assume responsibility for the internal operations of the branch including audit functions, security and upholding all bank policies and procedures
Be trained to supervise duties of any position in branch including teller, teller supervisor and relationship banker I and II (customer service representative) to ensure those procedures are being performed in accordance with bank policy
Promote a sales culture by conducting sales meetings that include product knowledge training as well as reviewing branch goals, recognizing cross-sell opportunities and reviewing sales skills
Personally service customer base by handling any customer requests including opening new accounts, cross-selling, handling customer disputes or complaints, explaining bank procedures and using discretionary judgement in making policy exceptions when needed
Working knowledge of all branch services/departments
Recognizes client needs and connects them with appropriate partners including Commercial Lending, Mortgage, Corporate Services, and Wealth Management.
Drives new account acquisition and retention of existing clients with business development calls within the market area and partnering with commercial team and other line of business partners (i.e. Mortgage and Merchant Services) as appropriate
Positively represents the bank at various social, civic and charitable organizations
Understands all bank products and services for selling and referring purposes
Interviews consumer loan applicants, analyzes their creditworthiness and makes credit recommendations
Generates consumer loans and new accounts through business development efforts
Models superior customer service and a professional attitude and presence
Increases deposit and credit relationships through account openings, cross-selling and loan analysis.

Responsible for compliance to applicable laws and regulations within area of responsibility and carries out responsibilities according to regulations, state and federal compliance requirements and the bank’s philosophy

Completes other duties as requested

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit and use hands to handle, type, grasp or feel. The employee is regularly required to walk and reach with hands and arms. The employee is occasionally required to stand; climb; and stoop, kneel or crouch. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.

AAP/EEO STATEMENT

This statement of policy reaffirms South Atlantic Bank’s policy of equal employment opportunity in employment, compensation, training, transfers, promotions and all other aspect of employment regardless of race, color, religion, national origin, age, sex, veteran status, physical or mental handicap/disability and to state that we do carry out this policy at South Atlantic Bank. This policy also applies to all company-sponsored activities such as educational programs, tuition aid and social and recreational activities.

Company	South Atlantic Bank
Location	Charleston, South Carolina
Type	FULL TIME
Niche	Financial and insurance services branch managers

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Branch Manager/Retail Business Development Officer - West Ashley

Job Description

· Proven sales skills and ability to close deals

· Strong verbal and written communication skills

· Strong attention to detail and organizational skills