EQUAL OPPORTUNITY EMPLOYER, INCLUDING DISABILITY/VETSSummary DescriptionTo provide superior banking services to customers in a professional manner. Responsible for the receipt and payment of negotiable instruments according to existing policies and procedures while managing a fund of cash. Responsible for actively promoting, selling, cross selling and referring the Bank's products and services to existing customers. Responsible for developing and coordinating expanded or new banking relationships (loans, deposits, fee income, etc.) for potential customers. Responds to customer inquiries related to accounts and general banking services.Essential Functions
- Expands customer base through actively selling, cross selling and promoting products to prospective and existing customers; makes referrals to other departments as necessary.
- Exercises executive and administrative control over all sales, servicing and operational functions of a branch office, including implementation of policy and explanation of Bank programs, policies, procedures and objectives.
- Develops business development plan and establishes specific goals for in-store branch marketing, operations and sales efforts. Evaluates the effectiveness of branch activity statistics and related reports.
- Maintains prescribed security controls to protect the facility; monitors access; opens/closes branch and vault; and remains on 24 hour call in the event of a security breach.
- Oversees and recommends training and development of branch personnel. Facilitates staff meetings to communicate branch objectives, goals, and policies. Provides advice, guidance, and back-up support to subordinates and builds a team spirit among personnel to achieve unit and individual goals. Coaches and develops staff to actively sell, refer, deliver and promote the bank's products and services.
- Assures compliance with bank standards, audit recommendations and relates local, state and federal regulations. Completes required compliance training. Ensures branch compliance in the areas of security, audit, compliance, and operations as evidenced by the completion of the quarterly branch checklist.
- Maintains a thorough knowledge of all the bank's products and services and a working knowledge of competitive products and services.
- Contacts present customers to retain and expand existing banking relationships. Counsels customers on financial and related matters and handles difficult customers.
- Initiates sales conversations with shoppers within the store, both at the branch and in the aisle. Makes periodic announcements on the public address system in the store concerning Bank products and services. Represents the company at various civic and community functions to further enhance the bank's image and develop additional business.
- Exercises usual authority of a manager concerning staffing, performance appraisal, promotions, salary recommendations, and terminations
- Opens savings, loan and other consumer product accounts; obtains, completes and reviews all required documents; posts initial transactions on computer system and provides a complete understanding to customer of all accounts.
- Submits monthly report to Supervisor, by the third business day of each month, indicating call and sales statistics for the previous month and YTD, along with a detailed business plan for the current month.
- Adheres to all regulatory compliance policies and procedures.
Position Standards
- Achieves sales, service and retention goals for new and existing customers
- Achieves referral goals, customer sales call goals and deposit and loan goals
- Maintains 90% collection rate of Bank fees
Position Requirements
- 2-4 years of proven sales success in retail sales environment and/or the financial industry
- Ability to make independent decisions concerning customer inquiries and problems
- Demonstrated record of achievement in leadership skills
- Willingness and ability to work an in-store branch schedule; typically, 10:00 a.m. to 7:00 p.m. daily and Saturday from 10:00 a.m. until 4:00 p.m.
- Must be compliant with Loan Officer Qualification Requirements of the SAFE Mortgage Licensing Act and Regulation Z. Compliance includes a review of the candidate's financial responsibility, character, and general fitness prior to placement in the role and within 30 days of employment compliance with NMLS registration and corresponding background check requirements.
- Work is generally performed indoors in environmentally controlled conditions
- Typically, the employee may sit to perform the work. However, there may be some standing, walking, bending and carrying of light items in the course of the work
- Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
Critical Skills / Expertise
- Excellent customer service and sales skills, including demonstrated ability to prospect for new business by making cold sales calls.
- Excellent oral and written communication skills
- Ability to initiate conversations with customers and prospects in the store aisles and over the telephone. Ability to take rejection/criticism, and overcome call reluctance to make the next sale
- Excellent knowledge of the Bank's operating systems, policies and procedures.
- Advanced knowledge of the competitive environment
- General keyboard and desktop computer application skills