What are the responsibilities and job description for the SVP-Market Manager position at Citizens Alliance Bank?
Position: Senior Vice President/Market Manager
Department: Lending Department
Classification: Exempt Salaried
Job Grade: Officer
Revision Date: 1/13/2021
Position Summary
The Market Manager will make the necessary decisions to improve branch profitability and growth through greater market share. Promote goodwill for the bank through active participation in community organizations and events. Do all the above in accordance with the Bank’s operating and lending policy and procedures. Actively engage in identifying new referral sources and customer prospects within their specific Market and surrounding communities and involve other Lenders. Provide additional marketing and sales development support, training and mentoring to these same Lenders. They will assist in directing and managing the daily operations of the branch, either directly or through their Branch Manager.
Directs and manages the day to day strategic priorities and related communications associated with Lenders and Lending Administration personnel. Individual is responsible for administration and coordination of the Bank’s sales and customer development activities, including customer prospecting and referrals efforts. Promotes and leads bank sales initiatives and programs, including new business niches and lines of business. This individual will be required to effectively balance their day to day management and supervisory duties with also managing and maintaining an individual loan portfolio.
Market Managers are expected to meet and/or exceed Citizens Alliance Bank’s customer service levels as well as the over-all goals of the organization.
Essential Functions:
To perform this job successfully, an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
- Assist with oversight of daily operations of the branch, specifically lending functions and the interaction between lending and operations personnel.
- Develop new business by contacting prospects and customers for banking services and products; responsible for cross-selling bank products and services, along with managing assigned portfolio of bank customers.
- Maintain a determined level of personal production and actively pursue new loan and deposit relationships.
- Perform primary lending function within branch in accordance with Bank lending policies and procedures; Deal with loan customer requests, including collecting and analyzing financial and related data to reach credit decisions; establishing and negotiating terms in the extension of credit, including costs, fees, and repayment and collateral terms.
- Oversee the branch building administration and maintenance; ensure branch office is maintained in clean, efficient, and profitable manner.
- Motivate and monitor lending performance in reaching sales and service goals by creating a positive and productive work environment.
- Provide sales and service leadership, including coaching, training, and mentoring to lending staff.
- Implement and ensure all operational audits, including bank policies and procedures are being adhered to; responsible for taking prompt corrective action on internal/external branch audit findings.
- Coordinate and supervise location specific vendors and service providers, including payment approval and invoice coding of monthly office expenses directly or through designated subordinates.
- Respond to daily correspondence regarding bank office matters and/or bank customers or direct such matters to appropriate bank personnel for answering.
- Conduct job performance interviews with Lending Officers and Loan Administration personnel, including the development and tracking of individual employee development goals and objectives.
- Responsible for overall performance of lending and loan administration employees and departments at the branch.
- Compliment and reward good employee performance and encourage individual improvement through outside schooling or job enlargement.
- Maintain complete confidentiality regarding sensitive customer and proprietary information.
- Ensures branch lending personnel are adhering to the Bank’s service delivery standards.
- Maintain good public relations with customers and the community. Assume community leadership and service responsibility with focus on the Community Reinvestment Act.
- Manage difficult situations with customers and provide them with a resolution, information, or additional options. Ensure that quick and proper response to all reasonable customer requests.
- Perform as a team member in allocating and coordinating the workflow.
- This position requires a valid Driver’s License.
- Assign the workload of the SVP/Market Manager’s direct reports, ensuring they are properly trained to perform their duties, evaluate their performance, and recommend any disciplinary action if necessary.
- Assist the human resources department in staffing their branch/market which includes interviewing, hiring, promoting, and terminating.
- Ensure proper coverage and staffing for all direct reports which includes reviewing and approving time off requests and timesheets.
- All employees are expected to exemplify and follow our core values.
- Regular attendance and punctuality when reporting to work.
- Travel for trade and industry schools and seminars as needed.
- This position may require installation of a Multi-Factor Authentication (MFA) app on an employee’s personal mobile device. THE MFA apps are used to authenticate a user’s identity to the system for security purposes.
- Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures.
- Perform other duties as assigned and requested.
Core Values
Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest.
Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.
Finds A Way - This simply put, is nothing more than attitude. It’s a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.
Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.
Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.
Education and Experience
Required - High School diploma or GED, Etc.
Required – 10 to 15 years of progressive commercial and agricultural lending experience.
Required – 5 to 10 years of progressive management and leadership experience and responsibility.
Required - Continuing Education to maintain job knowledge and proficiency.
Preferred - 5 to 10 years of customer service experience.
Preferred - Proficiency in Microsoft Office Suite, familiarity with loan documentation and boarding software.
The employer has the right to revise this position description at any time. The position description is not a contract for employment.
Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.
Licenses & Certifications
Preferred- Supervisor Certification
Skills
Preferred- Professionalism
- Relationship Building
- Ability and willingness to learn new skills
- Management Skills.
- Flexibility in work environment
- Communication Skills.
- Business Acumen.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
