What are the responsibilities and job description for the Director of Retail Banking position at Central Bank?
Responsible for the strategic management and growth of the Retail Division. Scope of responsibilities typically include branch operations, sales and service of Retail products, marketing, Retail training, and compliance with regulatory requirements. Responsible for overseeing the success of the Retail banking function, including sales and financial goal achievement, bank deposit growth, product and service pricing/profitability, staffing and productivity, employee management, employee and customer retention, meeting budget goals, and contributing to the overall success of Retail department. Responsible for branch expansion plans including market studies, site selection, staffing, contractor management, etc. Maintains the necessary working knowledge to ensure compliance with federal and state laws, regulations, and organizational policies.
Manages all aspects of Retail banking including personnel, sales, service, operational efficiency, product development, technology, and compliance.
Executes Retail strategies through consistent and proactive leadership, coaching, planning and sales management.
Monitors current trends in the banking industry and assesses market conditions to implement Retail banking strategy and sustain the Bank’s competitive edge.
Develops and executes a strategy to achieve goals in terms of deposit growth and cost of funds.
Develops and recommends plans for expansion of programs, operations, and financial activities.
Creates annual budget and periodic reforecasts for deposit balances, fee income, and operating expenses.
Oversees performance of subordinate managers in the area of sales achievement, business development, and personnel management/development.
Manages deposit growth through deposit pricing, product development and management of promotional products offered.
Oversees the work of the Marketing Director and marketing department, reviewing, approving, or obtaining approval for major campaigns and budget expenditures.
Oversees the work of the Deposit Operations Department through regular collaboration with the Deposit Operations Manager.
Participates in community organizations/activities/events.
Enhances the image and protects the reputation of the Bank.
Responsible for overall operational soundness, compliance, and security of branch locations.
Ensures response to and implementation of changes driven by audits of all departments of the Retail division.
Communicates matters of potential audit or compliance risk to President & CEO.
,
Education and/or Experience
Bachelor’s degree or equivalent experience required; MBA preferred
12-15 years’ progressive bank management experience, with specific emphasis in Retail banking, administration, and operations
Project management experience
Technical Knowledge/Skills
Demonstrated strong financial analytical skills
Experience with branch profitability analysis and demonstrated ability to apply strategies for attaining profitability in Retail banking
Demonstrated leadership skills
Excellent interpersonal and teambuilding skills
Strong problem solving and consensus building skills
Demonstrates strong motivational, time management, multi-tasking, problem solving, presentation, and organizational skills
Ability to be detail oriented
Computer and Equipment Skills
Ability to operate teller and office equipment including computers, calculators/adding machines, telephones, voicemail, electronic typewriters, copy machines, fax machines, and security devices
Knowledge of spreadsheet and word processing software preferred
Communication Skills
Ability to read, write, and speak English
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals
Effective verbal and written communication skills
Ability to effectively present information in person to customers, clients, and other employees of the organization
Strong sales and interpersonal skills
Mathematical Skills
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals
Ability to compute rate, ratio, and percent
Manages all aspects of Retail banking including personnel, sales, service, operational efficiency, product development, technology, and compliance.
Executes Retail strategies through consistent and proactive leadership, coaching, planning and sales management.
Monitors current trends in the banking industry and assesses market conditions to implement Retail banking strategy and sustain the Bank’s competitive edge.
Develops and executes a strategy to achieve goals in terms of deposit growth and cost of funds.
Develops and recommends plans for expansion of programs, operations, and financial activities.
Creates annual budget and periodic reforecasts for deposit balances, fee income, and operating expenses.
Oversees performance of subordinate managers in the area of sales achievement, business development, and personnel management/development.
Manages deposit growth through deposit pricing, product development and management of promotional products offered.
Oversees the work of the Marketing Director and marketing department, reviewing, approving, or obtaining approval for major campaigns and budget expenditures.
Oversees the work of the Deposit Operations Department through regular collaboration with the Deposit Operations Manager.
Participates in community organizations/activities/events.
Enhances the image and protects the reputation of the Bank.
Responsible for overall operational soundness, compliance, and security of branch locations.
Ensures response to and implementation of changes driven by audits of all departments of the Retail division.
Communicates matters of potential audit or compliance risk to President & CEO.
,
Education and/or Experience
Bachelor’s degree or equivalent experience required; MBA preferred
12-15 years’ progressive bank management experience, with specific emphasis in Retail banking, administration, and operations
Project management experience
Technical Knowledge/Skills
Demonstrated strong financial analytical skills
Experience with branch profitability analysis and demonstrated ability to apply strategies for attaining profitability in Retail banking
Demonstrated leadership skills
Excellent interpersonal and teambuilding skills
Strong problem solving and consensus building skills
Demonstrates strong motivational, time management, multi-tasking, problem solving, presentation, and organizational skills
Ability to be detail oriented
Computer and Equipment Skills
Ability to operate teller and office equipment including computers, calculators/adding machines, telephones, voicemail, electronic typewriters, copy machines, fax machines, and security devices
Knowledge of spreadsheet and word processing software preferred
Communication Skills
Ability to read, write, and speak English
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals
Effective verbal and written communication skills
Ability to effectively present information in person to customers, clients, and other employees of the organization
Strong sales and interpersonal skills
Mathematical Skills
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals
Ability to compute rate, ratio, and percent
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