Branch Manager

22nd State Banking Company.; Mobile (AL); On-site; USD 60,000 - 90,000; Full time

Job summary

22nd State Banking Company is seeking a Branch Manager in Mobile to oversee branch operations and sales, lead a team, train staff, and ensure policy compliance.

You will handle loan applications, interview borrowers, coordinate underwriting, and manage daily balancing, customer service and teller support.

The ideal candidate has at least five years in banking, a valid driver’s license, and the ability to develop new business while maintaining security and accuracy.

Qualifications

• High school diploma or equivalent with business-related training.
• At least five (5) years of progressively responsible experience within a financial organization to gain necessary experience and background knowledge to manage a full-service branch.
• Possess a valid driver’s license and be bondable.

Responsibilities

• Train, schedule, and assign work of branch staff.
• Lead sales efforts and hold regular staff meetings to optimize performance and development.
• Ensure the Branch is open and ready to conduct business each day and oversee daily operations.
• Assist customers applying for personal and business loans, interview applicants and explain loan programs.
• Collect data for underwriting and inform borrowers of outcomes.
• Coordinate loan closing, funding and portfolio management.
• Provide customer service and knowledge of banking products and services.
• Maintain security, perform balancing and audits, and supervise ATMs and branch assets.
• Develop new business and represent the bank at events and service clubs.

Skills

Communication

Computer skills

Interpersonal skills

Time management

Banking knowledge

Attention to detail

Problem-solving

Confidentiality

Education

High school diploma

Business-related training

Valid driver's license

Bondable

Job description

Job Summary

Branch Manager Our Branch Managers oversee the operations and sales functions of a branch while delivering superior customer service. You will lead your team in making sales calls, conduct trainings, process transactions and complete loan documents. All of these functions will be completed while utilizing your experiences to make sound decisions and ensuring established policies and procedures are followed.

Duties/Responsibilities

• Responsible for training, scheduling, and assigning work of subordinate branch personnel.
• Meet with branch staff regularly (both 1:1 and in group meetings) to organize sales efforts, communicate procedural/products changes, and resolve issues to optimize branch performance and employee engagement. Establish regular coaching opportunities with each team member to review goals and highlight further personal development.
• Ensure the Branch is open and ready to conduct business each business day. Delegate various operations duties to the branch staff while maintaining overall administrative responsibility.
• Assist customers seeking to apply for personal and business loans, including but not limited to:
• Interview applicants and explain loan programs and requirements.
• Collect financial and other pertinent data for submission to centralized underwriting.
• Inform prospective borrowers of loan commitment, proposal, or denial.
• Manage customer contact during application, underwriting, approval/denial process.
• Finalize loan closing, document signing, and funding with borrower.
• Provide loan portfolio management.
• Collection of borrower financial data, collateral inspections, or other items required for ongoing portfolio maintenance.
• Monitoring loan repayment activities and taking necessary action to collect from past‑due accounts.
• Provide such customer services as explaining savings and checking programs, opening new accounts, approving checks and transactions that tellers could not transact routinely, and dealing with difficult customers.
• Maintain working knowledge of both personal and business electronic banking products including internet/mobile services, cash management and electronic payment solutions.
• Ensure the Branch balances all transactions at close of each business day. Help tellers and others resolve balancing problems and authorize over/short adjustments. Conduct “surprise audits” as necessary to verify accuracy of teller balances.
• Ensure ATM’s are serviced and operational during business hours and are balanced each day.
• Collect bad checks taken at the Branch and delinquent overdrafts as well as losses resulting from ATM transactions.
• Make regular business development calls to solicit new business or improve services to existing clients.
• Join area service clubs and organizations and represent the Bank at functions and meetings.
• Responsible for general maintenance of the Branch, ensuring safety and security of customers, employees and branch assets by following and enforcing all security procedures.

Required Skills/Abilities

• Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.
• Solid word processing and computer database skills.
• Ability to navigate and learn new computer systems and websites.
• Good interpersonal skills with the ability to work with individuals and groups at all organization levels; ability to work independently and as part of a team.
• Ability to take initiative and prioritize tasks; good time‑management, organizational, problem‑prevention and problem‑solving skills.
• Knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including but not limited to the Bank Secrecy Act.
• Thorough knowledge of branch operations to coordinate daily branch functions and resolve employee and customer problems.
• Complete familiarity of the Bank’s savings, checking and lending policies and guidelines, as well as specific loan programs, qualifications, insurance, etc., to provide full savings and loan services.
• Strong analytical ability with active listening skills.
• Ability to work accurately with close attention to detail.
• Ability to maintain confidentiality of sensitive information.
• Ability to study and apply new information.

Education and Experience

• High school diploma or equivalent with additional business‑related training.
• At least five (5) years of progressively responsible experience within a financial organization to gain necessary experience and background knowledge to manage a full‑service branch and deal effectively with employee and customer relations matters.
• Possess a valid driver’s license.
• Must be bondable.

Physical Requirements

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at a time.

Each 22nd State Bank employee must comply with all federal and state regulations, policies, and procedures. This is to include all applicable governmental laws, rules and regulations relevant to their job including all Bank Secrecy Act regulations.