Branch Manager

Farmers State Bank; Wolcottville (IN); On-site; USD 55,000 - 85,000; Full time

Job summary

Farmers State Bank in Indiana seeks a Branch Manager to provide overall leadership to Branch Location staff, ensuring quality customer service and adherence to policies. Acts as a working manager, key decision maker, and community center of influence.

Responsibilities include overseeing branch operations, compliance, security, risk mitigation, lending activities, and staff development. The role entails community engagement, customer retention, and driving branch performance.

Qualifications

• Associates degree or equivalent and five or more years of related experience.
• Solid management, human resources, communication and credit skills.
• Background in financial institution operating policies and procedures, banking regulations, employee development and public relations.

Responsibilities

• Oversees overall branch operations.
• Ensures compliance with applicable laws, rules, regulations and policies.
• Maintain security procedures to protect branch staff and assets.
• Mitigate branch risk including fraud trends, scams and monetary trends.
• Represent the bank to the community through customer relations and civic involvement.
• Calls on current customers to retain and grow business; set internal performance objectives.
• Oversee and participate in consumer lending activity; interview loan applicants and assess creditworthiness.
• Establish terms for credit, including costs, repayment method, schedule and collateral requirements.
• Approve loans up to lending limit; serve as contact on larger loans.
• Monitor loan repayments and collect on past-due accounts.
• Provide a professional atmosphere and lead by example.
• Coordinate with Relationship Managers and Trust/Cash Management teams for new business.
• Review staff performance and conduct salary discussions; coach and train staff.
• Schedule staffing within hours; seek efficiency and cost reductions.
• Test branch security equipment and liaise with local law enforcement.
• Oversee account opening and personal banking transactions; conduct audits on teller drawers and safe deposit boxes.
• Train staff in Customer Acquisition and Growth (CAG) program and ensure re-certification.
• Collaborate with Facilities Manager and vendors on building/equipment matters.
• Perform other duties as assigned.

Skills

Management

Human Resources

Communication

Credit skills

Education

Associate degree

Job description

Description

Department: Branch

Reports to: Chief Administration Officer

Supervises: Branch Location Staff

Summary:

Provides overall leadership to Branch Location staff, ensuring quality customer service and adherence to bank policies and regulations. Acts as a working manager, key decision maker, and community center of influence.

Essential Job Functions:

• Oversees overall branch operations.
• Assures activity is done in compliance with all applicable laws, rules, regulations and policies.
• Stay abreast of robbery and physical security procedures to protect oneself, the branch, and the branch staff.
• Oversee and train on ways to mitigate risk at the Branch level. This includes but is not limited to fraud trends, current scams, monetary trends, legal documents etc..
• Represents the financial institution to the community through good customer relations and participation in civic or community affairs.
• Calls on and corresponds with current customers to ensure they are retained and satisfied. Establishes and helps to attain internal performance objectives for branch office business volume, deposits, loan portfolios and quality of audit reports.
• Oversees and participates in consumer lending activity.
• Interviews loan applicants and collects and analyzes financial and related data in order to determine the general credit worthiness of the prospect and the merits of the specific loan request.
• Establishes, and in some cases negotiates the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements.
• Approves loans up to his/her lending limit and serves as a contact officer on loans above this limit.
• Monitors loan repayment activities and takes necessary action to collect from past due accounts.
• Provides and maintains a professional, business-like atmosphere within the banking center. Sets example for other members of the team.
• Acts as a referral source for our Relationship Managers (or BDO’s), Trust Department, Cash Management, etc. Works in conjunction with those team members to develop new business in their community. May be called upon for joint calling efforts.
• Reviews staff members for formal performance evaluations and recommends salary adjustments. Counsels employees when needed. Coordinates staff training when needed. Continually coaches other members of the team for improved performance.
• Prepares or supervises the preparation of staffing schedules within allotted hours and restraints. Continually tries to identify ways to utilize our resources more effectively, and lower personnel costs.
• Tests branch security equipment and investigates security issues when needed. Maintains relationship with local law enforcement.
• Oversees and participates in account opening and other personal banking transactions. Sets example for customer service and CAG performance. Performs necessary audits on teller drawers, safe deposit boxes, and other branch operations.
• Trained on FSB’s Customer Acquisition and Growth program and able to perform duties aligned with the program. Ensures staff is trained in CAG, and participates in CAG re-certification process.
• Works with FSB Facilities Manager, vendors, suppliers and contractors relative to building and equipment matters.
• Performs other related duties as assigned.

Physical Demands and Work Environment:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the essential job functions of this position, the employee is regularly required to sit, stand, talk, hear, walk, use hands and fingers, handle or feel objects, and reach with hands and arms. This position requires regular use of a computer. The employee must be able to travel between branch locations on a regular basis. The noise level in the work environment is usually light to moderate.

Requirements

Job Requirements:

• Associates degree or equivalent and five or more years of related experience
• Solid management, human resources, communication and credit skills
• Background in financial institution operating policies and procedures, banking regulations, employee development and public relations