Position Summary

Perform business development activities to produce loans, deposits and fee income from small businesses and consumer customers.  Said activities would include both inside and outside calling as well as managing the business development efforts of the branch staff.  Responsible for the overall activities of the banking center to achieve sales, marketing, service quality and financial growth goals.  Ensure that security and audit procedures are followed as outlined by bank policy.

Duties and Responsibilities

1.     Contribute to the profitability of the banking center through active participation in business development efforts, client retention, monitoring and controlling non-interest expense items and ensuring increases in fee income.

2.     Perform business development activities to produce loans and deposits from small business and consumer customers.   

3.     Cross-sell related banking services to include cash management, deposit products, asset management services and investment products.

4.     Refer clients to external lines of businesses such as courier services and merchant services, etc.

5.     Represent the company in the community and develop and promote additional business.

6.     Process consumer and small business loan applications and ensure that loans are closed, documents are properly processed, and collateral is secured.

7.     Oversee banking center activities, the facilitation of the sales process and client retention.

8.     Oversee the sales management processes by leading sales meetings, coaching and motivating sales performance and leading the sales process.

9.     Open new accounts, authorize checks and resolve client issues or concerns.

10.  Oversee the activities of the banking center ensuring compliance with set policies and procedures.

11.  Oversee the security and audit functions for the banking center.

12.  Maintain prescribed security controls to protect the facility against criminal and fraudulent operations and unnecessary risk or exposure.

13.  Manage concerns regarding staffing, training, coaching, performance appraisals, promotions, salary recommendations, disciplinary / employee relations issues and retention of key employees.

14.  Monitor financial center for clean, orderly appearance and take necessary action to ensure its appearance.

15.  Fulfill responsibilities under the Bank Secrecy Act and Anti-Money Laundering regulations.  This includes identifying customers properly, initiating CTRs and SARs investigations as needed, utilizing OFAC records and maintaining appropriate records.

16.  Perform other duties as assigned to contribute to the overall operations and profitability of the banking center.

Supervisory Responsibilities

Supervisory responsibilities include banking center personnel.

Competencies

To perform the job successfully, an individual should demonstrate the following competencies to perform the essential functions of this position.

Ø  Persuasion – through ethical means, the individual should be able to identify potential opportunities and communicate and/or persuade prospects to provide Bank with opportunity.

Ø  Leadership – the individual inspires and motivates others to perform well, accepts feedback from others.

Ø  Managements skills – the individual includes staff in planning, decision-making, facilitating and process improvement; makes self available to staff; provides regular performance feedback; and develops team members’ skills and encourages growth.

Ø  Delegation – the individual delegates work assignments, gives authority to work independently, sets expectations and monitors delegated activities.

Ø  Planning/organizing – the individual prioritizes and plans work activities, uses time efficiently and develops realistic action plans.

Ø  Quality management – the individual looks for ways to improve and promote quality and demonstrates accuracy and thoroughness.

Ø  Judgment – the individual displays willingness to make recommendations that are sound, accurate and timely.

Ø  Dedication – the individual should be committed to achieving results under demanding time frames.

Ø  Integrity – the individual possesses high ethical standards and expects the same from all others in the organization.

Ø  Problem solving – the individual identifies potential concerns and makes recommendation for solutions in a timely manner.

Ø  Oral communications – the individual speaks clearly, persuasively and professionally in positive or negative situations.

Ø  Written communications – the individual communicates clearly and effectively in written memos, letters, reports, etc.

Ø  Integrity – the individual possesses high ethical standards and expects the same from all others in the area.

Ø  Safety, soundness and security – the individual actively promotes and personally observes safety, soundness and security procedures, and uses equipment and materials properly.

Qualifications

Ø  Experience, Competencies and Education

o   Minimum five years outside business development experience targeting consumers and small businesses within a bank environment.

o   Minimum five years banking center management experience.

o   Bachelor’s degree preferred.

o   Previous formal credit training preferred.