Job Description

Job Description

Job Description

Salary: $94,000 - $115,000 DOE, bonus eligible

Under supervision of the President in conformance with established policies and procedures, the Retail Banking Officer is responsible for comprehensive management of the Bank’s Retail Department. The role’s primary objective is to ensure the efficient and effective delivery of products and services to customers while maintaining compliance with all relevant regulations, policies, and procedures. This person provides supervision, direction, and mentorship for the Bank’s retail banking staff with responsibility for promoting products and services and overseeing customer service at the branch level.

As a member of the Senior Management team, the Retail Banking Officer supports the President in strategic decision-making, risk management, goal setting and budget development. This person is responsible for effective coordination between departments to resolve escalated issues and serves as the direct liaison between each branch and Operations, Lending, IT, Finance, Risk and HR.

DUTIES AND RESPONSIBILITIES:

• Oversee all branch retail staff, ensuring appropriate training, evaluation, development, communication, and implementation of retail banking and customer service programs and procedures, as well as supervising daily activities including:
  • Identifying and scheduling training sessions in each branch.
  • Identifying personnel needs within each branch, assisting in the recruitment, selection, and training of new employees.
• Monitoring and evaluating the effectiveness of all branch programs, including conducting regular surprise audits of cash drawers and vaults.
• Ensure compliance with the Bank’s policies, procedures, standards, and regulations.
• Establish strategic planning parameters and monitor adherence to goals and objectives.
• Drives sales and service excellence by promoting a culture of customer-centricity and coordinating ongoing training around products and services, enabling retail staff to identify and meet unique customer needs.
• Administration of the core branch and digital operating system (CIF 20/20, Teller, 4|Sight, OnBoard Deposits, Banno, iTalk, iPay, Enterprise Payment Solutions, etc.) ensuring seamless interface with other systems and programs.
• Leads the implementation of system changes to support new products, ensure system integrity and recommend program changes for improved efficiency and effectiveness while maintaining superior customer service standards.
• Stay updated on changes in the Bank’s communities and local economies, monitoring and evaluating deposit products and services to make recommendations to remain competitive.
• Participates in conferences, social events, and business development activities.
• Provide supervision and leadership for Retail staff including coaching and mentoring, setting clear expectations, establishing transparent communication channels, monitoring performance, providing feedback, and fostering collaboration.
• Works directly with third-party service providers to ensure uninterrupted service and support.
• Support compliance management system, including Bank Secrecy Act/Anti-Money Laundering compliance, by completing and conducting ongoing training, reviewing and updating policies and procedures, ensuring completion of required customer due diligence, reporting suspicious activity to the BSA Officer, and communicating compliance expectations to retail staff.
• Prepare regular presentations for Senior Management and the Board of Directors.
• Collaborate with internal and external auditors to ensure policy goals are met and findings are promptly addressed.
• Assists with special projects and performs other duties as assigned.

QUALIFICATIONS:

• Minimum 10 years retail banking experience with an emphasis on and solid understanding of community bank business functions with a minimum of 5 years in a leadership role in operations management. Some operations experience preferred.
• Bachelor’s degree in business, finance, or related field, or equivalent knowledge gained through a combination of education and experience. Must have a comprehensive knowledge of financial service industry, products, operations, and procedures along with thorough understanding of business entity and ownership structures.
• Demonstrated successful track record with increasing responsibility and managerial duties.
• Previous experience with Jack Henry core solutions and related products including Xperience, and Synergy preferred.

  KNOWLEDGE, SKILL, ABILITY:

• High-level analytical skills to review and interpret complex laws, rules, and regulations.
• Strong, well-developed communication and interpersonal skills to deal effectively with staff and management.
• Technical proficiency with bank-specific knowledge, relevant software, data analysis, troubleshooting, information security, network administration, and project management tools.
• Sound financial and business acumen with the ability to make informed decisions utilizing high-level problem-solving and risk management skills.
• Self-starter with the ability to work independently, prioritize, and manage multiple responsibilities simultaneously.
• Detail-oriented with skill in monitoring internal controls and identifying potential issues.
• Inquisitive nature to drive continuous learning and improvement by asking questions, seeking deeper understanding, and exploring alternate approaches.
• Demonstrates a strong sense of ownership and accountability for responsibilities and outcomes by taking initiative, proactively identifying opportunities for improvement, seeing challenges through to resolution to consistently deliver results focused on excellence, attention to detail, and adding value to consistently exceed expectations.
• Effective leadership skills to inspire and motivate others, fostering collaboration. Ability to lead by example, communicate a clear vision, and empower team members to contribute their best efforts towards shared goals while encouraging open communication and cultivating a culture of trust with colleagues across departments.

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled, on-site, shared work area with moderate noise level. Normal hours are 8:00 am to 5:00 pm, Monday through Friday. Will be expected to work under time constraints and outside normal business hours as necessary to complete responsibilities.

REQUIREMENTS: The requirements essential to performing the duties and responsibilities of the job effectively and safely are as follows. Reasonable accommodations may be made to enable individuals with disabilities.

• Sensory abilities: visual acuity, hearing, touching, and speaking.
• Physical requirements: sitting or standing for long periods, fine and gross manipulation, walking, climbing/descending stairs, keyboarding, occasional lifting of standard office supplies and driving for bank business as necessary.
• Cognitive abilities: reading, writing, learning, retaining and recalling relevant information, focusing for long periods, handling moderate stress and interacting with others, working independently, basic and advanced mathematics, categorizing, visualizing conclusions, analyzing data, integrating information for decision making, problem-solving, and comprehension.
• Driver’s license: employee is required to possess and maintain a valid driver’s license for operating bank vehicles or personal vehicle on the bank’s behalf.

TRAVEL REQUIREMENTS: Although the primary work assignment will be in Bozeman, this position supports seven locations across Montana. Traveling between locations will be a large part of this position. You may be able to work from other American Bank locations or remotely from time-to-time with prior management approval. Travel will be required on as-needed basis, depending upon project demands as requested by management. The frequency may vary and could include domestic travel outside the state. Such temporary re-assignment will require the use of your personal vehicle for which American Bank will reimburse your incurred business-related mileage and expenses, in accordance with American Bank company polices at the current designated IRS mileage reimbursement rate.

SALARY GRADE: 14/15 DOE

STATUS: Full-Time, Exempt

BENEFITS: Comprehensive Benefit Package

The above statements are intended to describe and/or summarize the typical nature and level of work being performed by people assigned to this position; and are not intended to be construed as an exhaustive list of all responsibilities, duties, tasks, and skills required of personnel so classified. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.

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