Branch Manager

Lumesse; Owosso (MI); On-site; USD 70,000 - 110,000; Full time

Job summary

Horizon Bank in Owosso, MI is seeking a Branch Manager to oversee daily operations, including service, sales, personnel management and risk controls. The role drives growth across all business lines, coaches tellers and advisors, ensures policy compliance, and delivers exceptional customer service while protecting bank assets.

Strong leadership and strategic decision-making are essential. Join a team focused on customer success, cross-sell opportunities and risk management with opportunities for

Qualifications

• Bachelor’s degree in finance or business preferred.
• 3+ years’ management experience with supervision in retail or financial services; banking experience preferred.
• 3+ years’ sales experience. Sales management preferred.
• Exhibit excellent sales skills with a high level of customer service orientation.
• Experience managing appropriate risk and making sound decisions.

Responsibilities

• Grow deposit and loan balances across all business lines.
• Lead hiring decisions and provide coaching to advisors.
• Ensure branch operates within policies and controls.
• Provide weekly and quarterly reports as directed.
• Coordinate training for new hires and development needs.
• Lead team members to meet sales and service goals.

Skills

Leadership

Sales management

Customer service

Risk management

Decision making

Financial analysis

MS Office

Education

High School diploma or GED

Bachelor’s degree in finance or business preferred

Tools

Microsoft Office

Job description

A Branch Manager demonstrates accountability for all aspects of branch operation including service, sales, personnel management, and risk management. Is responsible for developing and supporting new business opportunities across all business lines of the bank. Adapts to changing business needs. Makes timely, informed decisions that take into account the facts, goals, constraints and risk.

Accountable for growth in core deposits and loans to meet or exceed budgeted financial results and efficient, effective management of the branch. Supervise tellers and customer service representatives to ensure customers receive Exceptional Service and Sensible Advice. Provide guidance to avoid bank losses and ensure that established policies and procedures are followed.

Principal Accountabilities

• Seek opportunities for growing all business lines of the bank to increase deposit and consumer loan balances.
• Assist in budget planning; communicate regularly with District Manager; develop strategic initiatives to achieve goals.
• Expert knowledge of bank products and services.
• Provide sales coaching to all advisors on a consistent basis. Lead team members to meet or exceed defined sales goals and service expectations.
• Is proactive in identifying current and future cross-sell and sales opportunities in all business lines and Retail. Monitor sales reports and daily sales activities to identify needs.
• Provide management with weekly, monthly and quarterly reports as directed.
• Partner with Retail Management and District Manager to make hiring decisions.
• Coordinate training with Branch Training for new hires and in conjunction with performance and developmental needs.
• Lead team members to meet or exceed defined sales goals and service expectations.
• Demonstrate commitment to coaching, retaining, developing, and supporting a diverse workforce.
• Prepare and conduct scheduled performance evaluations. Address and document performance issues timely and in accordance with established procedures.
• Manage advisor branch schedule to ensure adequate and effective coverage to meet the needs of the customers. Manage time off requests and approve weekly timecards.

Service

• Accountable for monitoring advisors’ behaviors within the team to ensure professional and responsive delivery of service to customers whether in person, through a drive up facility, on the phone or through other electronic delivery channels.
• Maintain professional appearance of branch to ensure a welcoming and inviting atmosphere.
• Provide continued and timely training, coaching and guidance to all branch advisors to meet the service standards of the Company.
• Promptly address customer concerns. Identify any issues requiring a service recovery plan, take a leadership role in providing direction or personally offer corrective action and follow up to ensure customer satisfaction.
• Coach and educate advisors on potential risk exposure and mitigate risk with effective use of risk management tools.
• Accountable for ensuring periodic testing of controls, documentation and reports are completed and submitted timely.
• Conduct reviews of advisor behaviors and documentation to ensure adherence to internal controls. Conduct audits and initiate corrective actions if needed.
• Ensure and validate required training is completed and documentation signed and submitted per company policy.
• Confirm that initial and periodic training on security procedures at the branch is completed, including emergency action plans.
• Manage the safety and security of the branch and routinely monitor security systems.
• Verify vendor authenticity for access control.

Compliance

• Accountable for ensuring adherence to company policies and procedures as well as all applicable regulations.
• Conduct periodic audits of behaviors and work output to identify and correct areas of non-compliance.
• Ensure and validate branch advisors complete and apply all required compliance training.

Qualifications & Skills

• High School diploma or GED required; Bachelor’s degree in finance or business preferred
• 3+ years’ management experience with supervision in retail or financial services; banking experience preferred.
• 3+ years’ sales experience. Sales management preferred.
• Exhibit excellent sales skills with a high level of customer service orientation. Display a friendly and personable demeanor and a high degree of integrity.
• Experience managing appropriate risk and making sound decisions.
• Strong leadership skills, excellent interpersonal skills, and a demonstrated attention to detail. Experience with complex math functions with capacity to analyze credit and financial information.
• Ability to effectively respond to customer needs and willing to solicit feedback to improve service.
• Ability to present information with diplomacy and tact.
• Strong knowledge of Microsoft Office software applications.

Core Competencies

• Results Driven
• Organizational Agility
• Manage & Measure Work
• Strategic Agility
• Manage Through Systems

Physical Requirements

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA).

Physical Demand:

Percentage of Time:

Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others.

75% - 100%

Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the branch.

75% - 100%

Constantly operate a computer and other office machinery such as calculator, copy machine, printer and telephone

75% - 100%

Regularly move about the branch to access areas such as teller line, service desks and vault

50% - 100%

Able to remain in stationary position

50% - 100%

Able to grasp, move and sort forms and papers.

75% - 100%

Occasionally position self to reach heights between floor and 6’

<25%

Able to lift up to 50 pounds at times.

<5%

Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer.