Job Description
Job Description
We’re Hiring!
Atlanta, GA – Director of Retail Banking
Celebrating over 100 years in the community, Citizens Trust Bank remains committed to providing personalized service and financial solutions to meet the growing needs of our customers.
We are committed to our institution’s values of Integrity , Collaboration, Innovation, Service Excellence, Respect, Accountability, and Leadership, all of which are needed to continue our mission of empowering generations for financial success.
By joining our team, you can expect opportunities to enhance personal accomplishments and professional growth.
Interested in this position and meet the qualifications and requirements? Apply at www.ctbconnect.com . Questions? Contact us at 404-575-8262.
POSITION SUMMARY :
Responsibilities include but are not limited to the following :
Retail Banking Management
- Manages, directs, oversees, coordinates, and monitors the planning, development, implementation, production, sales goals, evaluation, and administration of all phases of Retail Banking, which include service, sales, operations, and financial center network
- Increases and manages customer retention, engagement, and cross-sales revenue generation
- Oversees, manages, and assists financial centers with meeting & exceeding established loan production and deposit growth goals; ensures a efficient and smooth lending delivery through all financial center channels
- Engages and coaches team members on the development of a cohesive team sales culture within the financial centers; ensures that team members are knowledgeable and understands how to effectively identify cross sales opportunities
- Coaches and provides lending and loan quality guidance and support to financial center leaders
- Engages financial center team to take ownership of achieving personal and banking center goals
- Cultivates relationships; leverages analytics for data-driven insights for customers’ needs and expectations
- Drives a positive customer experience and ensures that exceptional customer services is provided throughout the financial center network; oversees and manages difficult and emotional customer situations
- Collaborates with all business lines to develop strategies to identify business opportunities and mitigate possible threats
- Attends, participates, promotes and represents the Bank at business, professional, and community events, functions, meetings, organizations, associations, programs, and activities to support and broaden Bank’s image and visibility and increase business development and other related opportunities
- Plans and schedules proactive visits to existing and prospective customers; completes call, sales, and customer visits and reports; aggressively competes for loans, deposits, and other banking relationships, cross-sells all banking solutions; proactively reviews and evaluates customer deposit and other relationships; establishes effective and lasting business relationships; manages major customer relationships and new and existing referral sources
- Increases employee retention, meets regularly with direct reports to review job performance, expectations, and develop performance goals and objectives; develops career development strategies with direct report to foster professional growth development and mentor future company leaders; engages, monitors, and develops staff to improve performance and / or enhance capabilities; implements corrective actions plans
- Monitors and maintains training and support structures to ensure that all team members are highly trained and receive applicable and effective training needed to successful service customers and provide extraordinary customer service
- Conducts regular bank location visits, reviews and assessments; oversees and ensures the proper maintenance of centers, oversees center related projects and activities
- Reviews, updates, and develops policies, guidelines, and procedures for the Retail Banking Services to ensure compliance with State and Federal regulations and guidelines, and delivers customer service excellence; ensures that legal matters, security issues and daily operational functions are consistent and in accordance with the requirements of the regulators and sound banking practices
- Makes quality hiring decisions of sales and service-oriented talent to assist with the success of the organization
- Develops and implements a comprehensive strategic business and action plans, expectations, short and long-term goals and objectives for the Retail Banking Services, and drive volume growth and customer retention, and all its responsible functions to successfully increase growth and profitability and expand market share
- Develops, implements, monitors, and manages the annual budget for Retail Banking Services
- Oversees and improves overall efficiency, processes, and systems across the Financial Center network to ensure effective operations
- Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely
Customer Service and Sales Management
Provides extraordinary customer service and demonstrates excellent telephone skills with a genuine interest in serving customers and the ability to collaborate and build good cross-functional business relationships; ensures that all customer inquiries and requests are responded to in a timely and appropriate mannerDevelops and maintains a sales culture and sales focused environment within the financial center team that focuses on business relationship expansion, sales, referral sources, customer service excellence and retentionMonitors and assesses regularly to ensure that all customers consistently receive extraordinary customer service from all financial center team membersOversees and manages customer service survey and assessment programsConducts effective sales and customer service training classes; ensures team members understand how to identify cross sales opportunitiesEducates team on all banking solutions, services, and products offered by bankDevelops, updates, and implements appropriate award, recognition, and incentive programsIntroduces new banking solutions and services, expands business and growth opportunities, and increases banking relationshipsManages and tracks sales, production, and performance to objectives, goals, and expectationsCreates and develops performance measurements and monitoring tools and resourcesMonitors account statistics and qualifies internal sales leads to identify opportunities and create an effective sales strategy for the teamUtilizes resources, data, and relationships to prepare for business and relationship expansion callsReviews, evaluates, manages, and ensures appropriate delivery of consistent training to generate expected resultsCompletes competitive analysis, reviews, and monitors banking fees, rates and market trends to ensure that the Bank is serving the community to its highest levelOperations
Works closely with the Bank Operations to ensure effective financial center operations and customer service excellenceReviews, analyzes data, recommends, and implements new business, services and banking solutionsAssesses, identifies, develops, and implements internal controls and safeguards to minimize and eliminate bank losses, fraud, risks and exposureMonitors, manages, and ensures that policies, procedures, and controls are followed and compliance and security related concerns are resolved effectivelyPrepares and develops reports, documents, and communicationPerforms cost saving assessments and implements effective changesCollaborates with management across business lines to help ensure retail banking successOther Duties
Maintains a sound and comprehensive working knowledge and understanding of all bank policies, procedures, guidelines, rules, expectations related to areas of responsibilities and banking solutions and services offered by the Bank, its subsidiaries, strategic alliances, third-party service vendors and competitorsDelivers excellent quality customer service consistently and adheres to response turnaround standardsMaintains professional and technical knowledge; stays abreast of all aspects of banking, business development, industry trends, laws and regulations, developments, practices, programs, products, and servicesLeads initiatives, adds value, supports the Bank’s vision, mission, core values, business principles, goals, and objectivesAdheres to all policies, procedures, expectations, laws, regulations and training requirementsExceeds all established position goals, objectives and expectations.Attends, assists and participates on bank committees and in community-related events, projects, and other activitiesDemonstrates consistent professional appearance, behavior, image, high level of integrity, ethics and consistently represents the CTB BrandManages other assigned functions and performs other duties and responsibilities as assignedQUALIFICATIONS :
Minimum seven years of proven regional retail branch management, sales, business development, consumer and small business lending, and operations experience in a banking environmentStrong credit and retail banking market knowledge, understanding, and assessment skillsBachelor’s degree in business administration, management, communication, finance or related fieldHighly resourceful team player with excellent presentation, interpersonal, relationship building, leadership, organizational, in-depth sales technique and sales coaching skills are essentialExcellent quality customer service, sales, and telephone skills with a genuine interest in serving customers and the ability to collaborate and build good cross-functional business relationshipsStrong analytical, technical, problem resolution, project management, strategic and critical thinking, research and negotiation skillsTechnology-savvy and proficient in using advanced Microsoft Office (Excel, Word, PowerPoint, etc.) and Google Suite, with the ability to implement innovative solutions; strong knowledge and understanding of the FIS Horizon core Banking systemExpert level written and verbal communication and diplomacy skills with the ability to communicate clearly, concisely, persuasively, informatively, tactfully and effectively work across all levels of the organizationOutgoing and trustworthy with the ability to effectively handle and maintain confidential matters and informationDemonstrated ability to use accurate and great judgment, discretion, and reasoning, as well as make sound business decisions, comprehend, and follows directions and instructionsDemonstrated ability to conduct and facilitate effective meetings, sales and customer service training classesAbility to work in a fast-paced, high performance and changing environment, and must be able to adapt to changeMust be able to demonstrate and maintain a positive composure and consistently demonstrate professional appearance, demeanor, image, and consistently represents the CTB BrandAbility to produce accurate and organized work with minimum supervisionMust be a self-starter who is self-motivated and directed with the ability to handle multiple tasks; goal oriented with the ability to produce quality results, meet all established goals, objectives, deadlines, and expectations; ability to comply with all bank policies, procedures, regulations, and lawsAmbitious with a strong work ethic and high integrity, positive behavior, ability to work both independently and as a part of a team in a collaborative environment; detailed-oriented with excellent time management and strategic planning skillsExceptional creativity with the ability to prioritize work and meet deadlinesMust be mature, flexible and energetic with a competitive and winning spiritAssertive and demonstrates initiative with the ability to work through situations and find win-win solutionsAbility to travel to all financial centers regularlyCitizens Trust Bank is committed to investing in our employees, cultivating a rewarding professional team and a results-oriented work environment that is based on respect, accountability, and high-quality performance. We offer competitive compensation and a comprehensive employee benefits package for our full-time employees. Our benefits package includes the following :
Medical, Dental, Vision and Prescription401(k) Retirement PlanLife InsuranceAccidental Death & DismembermentShort& / Long Term DisabilityFlexible Spending PlanPaid Time Off, Vacation and Holiday PayTuition ReimbursementEmployer Assisted Housing ProgramEEO / AA
Wholesale Membership ProgramWellness ProgramEmployee Assistant Referral Services (EAP)Legal Shield ProgramGroup Cancer & Accident Insurance ProgramsWorker’s Compensation ProgramFree Banking ServicesAwards and Recognition ProgramsTraining & Development Programs and much more