About the job

About the Company

Our client has been a trusted community banking partner for more than 30 years. They are dedicated to empowering individuals and businesses by fostering growth, enriching lives, and strengthening the communities it serves. As a steadfast companion throughout life’s journey, the bank’s commitment to financial empowerment propels the shared path to realizing dreams.

About the Role

The SVP, Relationship Banking is responsible for providing leadership, guidance, coaching, and team building to the entire retail team. This role will work to develop a department that effectively supports the sales and high growth culture of the bank and ensure superior customer experiences through our commitment to providing exceptional service. Utilizing a systematic approach, you will create staffing alignment through building a cross-functional team. This role is responsible for leading the bank’s acquisition efforts for deposits, treasury management and consumer lending through the development of innovative sales and service techniques, and products. You will work closely with commercial bankers, the marketing department, and the leadership team to develop strategies to acquire and retain new and existing customer relationships. And you will be responsible for improved bank performance, through planning, training, and delivery of all retail loan and deposit products, and customer service initiatives.

Responsibilities

RETAIL BANKING MANAGEMENT

• Mentor, develop, and provide leadership to retail banking staff in all locations for both depository and consumer lending products
• Lead staff to expand the customer base and bank profitability; assure retail area is actively deepening customer relationships through effective profiling, establishing a referral process, direct sales efforts, cross-selling and outbound contacts
• Integrate products and services with customers’ needs and actively participate in the community to market and promote bank products and services
• Develop and support a department that reinforces standards for service and excellence through training, motivating, and coaching
• Maintain knowledge of emerging technologies and trends in all aspects of retail/consumer banking
• Create retail department budget and monitor expenditures
• Set goals, track sales and productivity results both as a department and through each individual
• Coordinate operational activities, new products, upgrades, and software enhancements
• Make recommendations on product and service offerings based on marketplace and branch level needs
• Develop annual training initiatives for retail staff
• Oversee activities in the retail lending department (both real estate and non-real estate loans)
• Work with the chief credit officer to ensure the development and implementation of effective policies for consumer loan products and management of the organization’s consumer loan portfolio
• Work with ERM, compliance, and operations departments to ensure that all functions within the retail department adhere to the requirements of banking laws and regulations, to ensure that the bank operates in a safe, sound, and compliant manner and in such a way as to minimize risks of loss, both monetary and reputation
• Manage the staff within the department in accordance with bank policies and procedures as they relate to managerial expectations including such areas as interviewing, hiring, scheduling, performance evaluations, disciplinary action, and staff training

PRODUCT DEVELOPMENT & BRANDING

• Become well educated on all current retail products and services offered by the bank and work at identifying the marketable attributes of those products
• Work with senior leadership and appropriate sales staff members to further enhance or improve our product offerings to make them more attractive/marketable, wherever necessary or feasible
• Assist in the development of new products/services that will provide further differentiation for the bank
• Regularly evaluate the pricing and structure of all deposit products and treasury management services based on market analysis and extensive knowledge of the bank’s customer base
• Manage, monitor, and measure treasury management sales across the bank
• Develop workflows and processes that improve communication between operations, retail and commercial departments, increase efficiencies, and lead to an improved customer experience
• Participate in ongoing training opportunities to obtain a better understanding of the banking system and be able to better market the bank
• Continue to look for the differentiation and relevance for each product and service that is promoted by the bank
• Help create unique opportunities for visibility within our existing and new communities
• Work at identifying our niche markets and developing differentiation within those markets

Education + Experience

• High school diploma required; Associates/Bachelor’s degree preferred
• 7+ years of financial institution experience in retail/consumer lending and direct customer deposit; previous supervisory experience preferred

Knowledge, Skills & Attributes

• Mastered knowledge of related state and federal banking regulations and other bank operational policies
• Knowledge of bank policies and procedures along with bank products and services offered
• Exceptional organizational skills, with the ability to provide leadership and training for all employees
• Critical thinking with a focus on molding for the future
• Maintains confidentiality with a strong customer facing sales and service focus
• Exceptional oral, written, and interpersonal communication skills, with the ability to apply common sense to carry out instructions, instruct others, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees
• Thorough understanding of management procedures, including:
• The ability to plan department or bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures),
• Taking the initiative to organize various functions necessary to accomplish department or bank activities, effectively selecting, training, and developing employees
• Directing employees toward the desired objectives, including delegating, motivating, and resolving problems
• Controlling the function, including developing performance standards, measuring results, taking corrective action, and rewarding employees as appropriate
• Ability to work with limited supervision while performing duties