Branch Manager Retail Bdo - Bluffton

Position: BRANCH MANAGER RETAIL BDO - BLUFFTON
JOB SUMMARY The Branch Manager/Retail BDO develops and manages a retail account portfolio including deposits, loans and fees, manages branch staff and leads the operations and sales efforts of the branch. The focus is primarily ensuring the efficient flow of operation 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).

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.

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 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 so that any sales opportunity or customer need can be appropriately referred within the bank

Make new business development calls within the market area and calls on existing customers 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 credit-worthiness 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 requestedQUALIFICATIONSBachelor’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 regulationsAAP/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.
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