Retail Leader

Organization Overview:

State Bank of Davis has proudly served our community since 1928 and has a passion for our role as a community bank offering full service banking and lending services for individuals, families and businesses. State Bank of Davis is a subsidiary bank of Foresight Financial Group, Inc.

Position Summary:

The Retail Leader is responsible for leadership of the consumer services area, providing sales and service of all retail bank products. Provides outstanding service and sales as well as provides input and support to the marketing efforts of such products. Coaches retail staff to meet business development goals. Develops new and maintains long-lasting customer relationships, resolves customer issues by providing thoughtful solutions. Generates leads and uncovers new streams of revenue within relationships customer and prospect relationships. Member of Asset/Liability and Marketing Committees.

PRIMARY RESPONSIBILITIES/DUTIES:

1. Leadership and management of the Retail department, including the teller CSRs and Personal Bankers, (to include consumer loans at a future date), providing strategic direction and day to day support.
   1. Hold one-on-one coaching sessions with retail staff.
   2. Identify the training needs of retail staff for appropriate referrals to other areas of the bank.
   3. Complete annual reviews according to the annual schedule and in a timely manner
   4. Meet or exceed annual objectives as established in the strategic plan
2. Elevate and Maintain High Level of Customer Service per the SBD Customer Service Standards
   1. Ensure customers receive a warm welcome each time they come to the bank.
   2. Hold semi-monthly all Team Member Staff/Sales meetings.
   3. Work with the Commercial area to develop synergies in the services provided to overlapping relationships.
3. Responsible for the marketing and promotion of all new and existing consumer products including development and revisions to assist bank with meeting the fee income goals.
   1. Participate in the monthly Marketing Committee meetings
   2. Routinely conduct market research of competitor’s products and services.
   3. Review current products to ensure customer satisfaction.
   4. Future expectations include adding consumer lending products and goals to the retail Team Members.
4. Serve on ALCO as representative for the deposit products.
   1. Provide market analysis of current rate promotions within established market area.
   2. Provide deposit balances and maturity projections for the bank.
   3. Recommend changes to fees or products to ALCO for approval.
   4. Recommend changes to rates, product and service fees as needed to ensure financial goals are being met.
5. Additional Responsibilities
   1. Assist in the Bank’s annual strategic plan preparation and budget process, forecasting line items for the Retail area.
   2. Meet or exceed all individual sales goals, while assisting the Bank to meet profitability and strategic plan goals.
   3. Participate in community affairs, professional organizations and projects to increase the Bank’s visibility in the community and directly benefit the Bank.
   4. Undertake special projects and/or assignments relating to the Retail Department and the Bank.
   5. Other duties as assigned
   6. Comply with the Bank’s Secrecy Act (BSA) rules and regulations.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Competencies:

Leadership: Provides strong leadership, sets a good example, skilled decision maker, motivator, encourager.

Customer Service: Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.

Business Acumen/ Financial Management: Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.

Communicator: Effective written and oral communication skills, speaking clearly, effectively listening, and clearly writing.

Technical: Proficient with Microsoft Office (Outlook, Word, Excel). Knowledge of banking products, services, policies, procedures, and regulations. Advanced proficiency in PC usage and applicable banking platforms.

Physical Demands and Work Environment:

This position operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, copy machines, filing cabinets and fax machines. Occasional lifting of 25-50 pounds may occur. The physical demand described here is representative of those that must be met by staff to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position requires manual dexterity. While performing the duties of this position, the employee is regularly required to sit or stand for extended periods of time.

Performance Standards:

Accurate processing and documentation of new accounts, customer transactions, and maintenance.

Meet or exceed retail annual goals.

Ensure all compliance and regulatory requirements are met.

Uphold Customer Service Standards

Performance Weightings:

30% Competencies

70% Position Performance Standards and Personal Goals

Qualifications:

• High School diploma or equivalent required; business or finance degree preferred
• 5+ years technical experience in banking, including a thorough knowledge of account opening procedures and regulations a plus