Branch Manager

Position Summary

The Branch Manager is responsible for overseeing all daily operations of the branch, ensuring excellent member service, regulatory compliance, achieving growth and profitability goals, and supervising staff. In smaller branches, the Branch Manager may also play a hands-on role in transactions, marketing, and member education. The ideal candidate brings both management experience and hands-on branch operations skills.

Key Responsibilities & Essential Functions

Operations & Compliance

• Manage daily branch operations including teller functions, member transactions, cash handling, vault and ATM oversight.
• Ensure compliance with federal/state regulations (e.g., NCUA, BSA/AML, CTR/OFAC, UDAAP), internal policies, audit and exam findings.
• Oversee risk management, internal controls, and segregation of duties; prepare and present operational, financial, and exception reports.
  
  

Member Service & Growth

• Ensure high levels of member satisfaction; serve as escalation point for complex issues.
• Promote and cross-sell products such as loans, deposits, and electronic services.
• Identify opportunities for new member acquisition and participate in community outreach initiatives.
  
  

Business Development & Budget / Targets

• Work with leadership to set revenue, expense, net income, loan, deposit, and other performance targets.
• Monitor branch metrics versus goals and take corrective actions as needed.
• Develop and manage the branch's budget and control operating expenses.
  
  

Supervisory / Personnel Management

• Recruit, hire, train, mentor, and evaluate branch staff; handle disciplinary actions if needed.
• Conduct performance management, coaching, and professional development.
• Create staffing schedules, approve leave, and foster a positive team culture with cross-training.
  
  

Loans & Credit Functions

• Oversee consumer or small-business loan origination, underwriting, and review within delegated authority.
• Monitor delinquency, collections, and charge-offs; coordinate with recovery teams.
• Present large loan requests or exceptions to credit committee or board.
  
  

Financial Reporting & Analysis

• Analyze branch financial performance including net interest income, non-interest income, and expense ratios.
• Identify opportunities for cost savings, process improvements, and revenue enhancements.
• Participate in financial forecasting, long-range planning, and capital planning as needed.
  
  

Community / Stakeholder Relations

• Represent the branch within the local community, particularly in education or school networks.
• Collaborate with central teams on branding, policy decisions, and product rollouts.
  
  

Required

Education & Required / Preferred Qualifications

• Bachelor's degree in Business, Finance, Accounting, or related field (or equivalent experience).
• 5-7 years progressively responsible experience in financial services, including branch operations and staff supervision.
• Knowledge of credit union or banking regulatory environment (NCUA, BSA/AML, etc.).
• Strong leadership, communication, and interpersonal skills; proficiency in financial analysis and budgeting.
  
  

Preferred

• Experience managing a small branch or small-scale institution.
• Lending/underwriting experience (consumer or small business).
• Marketing/community outreach experience, especially in education sectors.
• Credit union certifications (CUNA) or digital/fintech product experience.
  
  

Skills & Competencies

• Strategic thinking, execution, and problem-solving under ambiguity.
• Strong communication and relationship-building skills.
• Leadership, team-building, conflict management, coaching, and motivating staff.
• Member-focused with high standards of service, integrity, and ethical practices.
• Adaptability, time management, and multitasking in dynamic environments.
  
  

Working Conditions / Environmental Demands

• Standard branch office environment with occasional physical tasks (lifting cash boxes, servicing vault/ATM).
• Mostly standard business hours; occasional evenings or weekends for events or emergencies.
• Local travel for community engagement, vendor visits, or events.
• Sensitive handling of confidential member and financial information.
  
  

Success Metrics / Key Performance Indicators (KPIs)

• Achievement of budgeted net income, revenue, and expense targets.
• Growth in deposits, loans, and member count.
• Loan quality, delinquency, and charge-off metrics.
• Member satisfaction, retention, and complaint resolution.
• Staff productivity, cross-sell metrics, and operational accuracy.
• Compliance with audits, exams, and internal controls.
• Community engagement and brand presence in local networks.
  
  

Salary & Benefits

• Salary: $50,000 base, up to $65,000 annually through performance-based incentives.
• Benefits: 401(k), flexible schedule, paid time off, parental leave, professional development assistance, referral program.
• Work Location: In-person