SVP/Retail Banking

Job Description

Job Description

People make the difference at Citizens Independent Bank! The reason? Our employees embrace the core values of the bank : Honesty & Integrity

• Community Social Responsibility
• Exceptional Customer Experience
• Teamwork & Collaboration. We are looking for a dynamic and strategic SVP / Retail Banking to lead the Bank’s retail, mortgage and investment initiatives.

Position Overview :

The SVP / Retail Banking is responsible for managing and leading the Retail Banking Team, Mortgage, and Citizens Investment Services.

The position requires effective leadership and communications skills, knowledge of credit, deposit, and related products, business development skills, community involvement and networking abilities as well as coordination of the Retail Banking team to provide superior service to bank clients and bring in new loan and deposit relationships.

This position is responsible for the day to day operation of Retail Banking, including retention of current customers and the acquisition of new prospects.

As a member of the executive team, the SVP / Retail Banking assists in achieving long term profitability, growth and strategic objectives of the Bank.

Essential Functions :

• Manages Retail Branch Managers, Mortgage Manager and Investment Officer
• Directs and monitors branch operations, through subordinate managers, to insure that they meet organizational goals and objectives.

Monitors product delivery quality and takes action to resolve problems.

• Requires strong Teamwork and Collaboration skills, including knowledge and support of Business Banking, Loan Administration, Operations, Marketing, Finance, and Human Resources.
• Serves as the primary point of accountability for all Retail Banking operations.
• Develops a strong management team within Retail Banking, and assists in the evaluation of individual team member performance.
• Manages sales, production, and fee income generation activities to achieve Retail Banking goals through effective management of sales, service, retention, and referral opportunities.
• Develops and maintains strong relationships with consumer, mortgage, investment, and small business clients and the community.

Ensures client needs are consistently met in a professional manner by the entire Retail Banking team.

• Responsible for Retail Banking revenue and sales production goals.
• Leads staff to expand the customer base and bank profitability. Assures the retail area is actively deepening customer relationships through effective profiling, establishing a referral process, direct sales efforts, cross-selling and outbound contacts.
• Responsible for developing and executing strategic planning for all Retail Banking branches and departments.
• Develops and Executes Retail Procedures to ensure consistency of results.
• Maintains a strong understanding of the bank’s policies, procedures and services.
• Fundamentally understands mortgage underwriting, processing, products (fixed, ARM, Home Equity), secondary market, and servicing.
• Maintains a comprehensive understanding of investment / brokerage principles and industry trends.
• Actively participates in community organizations. Encourages colleagues to participate in community activities to enhance CIB’s Social Responsibility Core Value.
• Ensures that information is effectively communicated to team members and that business is conducted in accordance with such goals, policies, and procedures.

Oversees and communicates promotional campaigns and initiatives for the branch.

• Plays a positive role in the development and growth of assigned department staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff
• Performs personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment;

supervises the daily activities of the department including, but not limited to, effective delegation of assignments, and providing necessary coaching and training.

Qualifications :

• Bachelor’s degree in business, accounting, or finance discipline; or ten years equivalent work or education-related experience
• 7 10 years of progressively responsible experience in Retail Banking, including at least 5 years in a supervisory or managerial role
• Possess proactive sales and relationship management skills
• Requires a demonstrated ability to underwrite consumer and residential real estate loans and make sound loan approval decisions of up to an assigned lending limit
• Insurance and Investment licenses a plus
• Thorough knowledge of retail compliance, accounting, regulations, policies and procedures.
• Intermediate computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, Teams, PowerPoint);

spreadsheet applications (Excel) to organize data used for advanced data analysis; internet; and email, database management and record keeping.

• Effective oral and written communication skills among varying degrees of stakeholders.
• Proven effective management and analytical skills.
• Demonstrated ability to collaborate with various levels of stakeholders.
• Proven ability to manage competing priorities and manage time.
• Self-motivated with a high level of initiative, accountability and dependability.

Culture :

To be a successful Team Member you should believe that you can thrive within a culture that :

• Champions our goals and mission to be a high-performance community bank
• Embraces accountability We do what we say we will do
• Puts people first. Our customers, our employees, our families, our communities.
• Wants employees to have work that is rewarding and challenging
• Encourages employees to provide solutions that meet the needs of our customers
• Supports a work-life balance
• Looks to promote from within
• Supports ongoing employee education

Benefits :

• Rewarding and challenging work
• Work-life balance
• We strive to promote from within
• Employee education and training is vital
• Full benefits including medical, dental, vision, 401k with generous match, LTD and STD, employer paid life insurance, paid holidays and half-day off for birthday, generous PTO
• Conveniently located in St. Louis Park, Robbinsdale, Hopkins, and Plymouth
• Work for a community bank with 75 years of local banking history
• Opportunity to participate in fun community activities

Note : Job descriptions are not exhaustive lists of all skills, responsibilities or efforts associated with a job. They reflect principal elements essential for performing the job and evaluating performance.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the position.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities