Retail Branch Manager (Kiln Creek)

Overview

The objective of this role is to manage and lead a branch office and its teammates to meet and exceed all operational, customer experience, and revenue growth objectives. The Branch Manager is responsible for the execution of the C&F Customer Experience strategies driven by our Focused on You brand to benefit customers, shareholders, C&F teammates, and the community.  Branch Managers have high personal accountability for account, loan, and deposit growth driven by new customer acquisition with concentration in small business.  Branch Managers are also accountable for growing and retaining key current customer relationships.

Responsibilities

Acquire and Retain Business and Personal Banking Relationships (50%)      

Engages in business development activities leveraging existing customer base and solicitation of new business prospects. Specific activities include:

Market Research and Analysis:

• Conduct thorough market research to identify trends, opportunities, and prospects.
• Analyze competition and market conditions to develop strategies for business growth.
• Builds relationships with key centers of influence in the community.

Client Relationship Management:

• Develop and maintain strong relationships with new and existing clients.
• Conduct thorough research on the financial needs and goals of clients and prospects.

Lead Generation:

• Generate leads through various means, including networking, outbound calling, online research, internal reporting, and referrals to gain meetings.
• Build and maintain a robust pipeline of potential clients using C&F tools and processes.
• Initiate outbound calls to existing and potential clients to identify financial needs.

Productive Teamwork Across the Franchise:

• Builds collaborative, results-oriented relationships with prioritized internal partners

Sales and Proposal Development:

• Prepare and deliver effective sales presentations and proposals.
• Negotiate terms and close deals with clients.

Strategic Planning:

• Create and implement strategic plans, promotional strategies, and activities to achieve revenue and growth objectives.
• Identify key business opportunities and potential partnerships.

Product/Service Knowledge:

• Stay up to date with the organization's products or services to effectively articulate their value to clients.
• Understand industry trends and how our offerings can address market demands.

Report Management:

• Manage the branch's budget and expenses to ensure profitability.
• Monitor and report on financial performance, including tracking deposits, loans, and expenses.

 Deliver a Superior Team Customer Experience (20%)

• Develops new deposit and loan business, provides a superior level of customer relations, and promotes the sales and service culture through coaching, guidance, and staff motivation.
• Role models all elements of the C&F Customer Experience; uses C&F Customer Experience strategies to acquire new customers as well as retain and deepen current customer relationships.
• Teaches, coaches, and holds direct reports accountable for performance of all C&F Customer Experience strategies: C&F Service Experience, C&F Service Recovery, C&F Relationship Review, C&F Active Site Leadership, and C&F Risk Management
• Serves as a leader in the business community by taking an active role in civic organizations, networking groups, and volunteerism for the purpose of strengthening the brand and growing the Bank.

Recruit, Develop, and Retain Branch Team (15%)

• Partners with Recruiting team to identify, acquire, grow, and retain top talent.
• Minimizes turnover of high performing talent.
• Conducts weekly coaching and feedback to direct reports to assess performance strengths and opportunities, identify root causes, and generate subsequent action plans to ensure accountability and skill development.
• Provides informal/on-the-spot coaching to recognize skilled behaviors and improvements as needed.
• Manages and oversees the rotation of branch staff to ensure that all team members retain a high standard of job knowledge, and participate in all branch activities, including transactions, sales, advising customers and marketing programs/events.
• Monitor and track daily behaviors and progress toward sales goals and branch metrics.
• Fosters a team problem solving/collaboration environment.
• Conducts annual performance assessments with each direct report in a timely manner.
• Develops actionable Personal Goal Plans (PGP) for each direct report.
• Actively maintain talent management/succession plan; proactively identify candidates as business need dictates and collaborate with Human Resources to develop.
• Recognizes/rewards top performers based on performance and demonstrated behaviors. 

Manages Risk/Protect all Stakeholders (15%)

• Ensures individual and team knowledge/execution of all operational policies and procedures.
• Manages non-credit losses, including teller differences, and out of balance situations.
• Achieves minimum satisfactory audit rating on Pre-Audit Review and formal internal audit.
• Owns monthly operational activity processes (BICR).
• Manages past due loans and customer overdrafts to minimize loss exposure.
• Adheres to the Bank’s information security policies and manages customer and Bank information appropriately.
• Identifies and mitigates risks associated with the branch's operations.
• Implements security measures to protect against fraud and security breaches.

• Facilitates risk management/security meetings monthly.

Qualifications

Education and Experience:  High School diploma or GED is required; bachelor’s degree is preferred, preferably in finance, banking, or a related field; a combination of experience and education will be considered. 2 years of successful management experience required.

Knowledge, Skills, and Abilities:  

• Strong interpersonal, organizational, time management, and communication skills, including business writing, presentation skills, and public speaking.
• Business and consumer credit skills, including balance sheet/financial statement analysis strongly preferred.
• Negotiating skills.
• Results-orientation.
• Demonstrated ability to be effective in business community networking, prospecting, and leadership.
• Ability to communicate effectively with people at all levels.
• Proven ability to acquire new customers to include prospecting, gaining meetings, and closing.

Travel

Must be able to travel to all Bank locations, including subsidiaries. Must maintain reliable independent transportation for commuting and business-related travel. Ability to provide your own transportation is required for this role.

Physical demands:  

Employee may experience the following physical demands for extended periods of time: view computer monitors, keyboarding, sitting, motion of fingers/hands/wrists, and standing/walking; occasional lifting, carrying, pushing or pulling up to 20 pounds.

Work Environment:

Work is performed onsite in an operational office environment. During and after-hours presentations at off-site locations may be required.

Note:

This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA).  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization.  

Equal Employment Opportunity Statement -- C&F is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.

Travel