About this role
Position Summary:
The Branch Manager I is the leader of the branch, fully accountable for operational excellence, compliance, staff development, and client satisfaction. Building on the full scope of responsibilities mastered at the Assistant Branch Manager II level, this role adds complete accountability for branch growth, profitability, community presence, and strategic execution. Serves as the primary representative of Coastal States Bank in the community, ensuring delivery on Core Values: Character, Commitment, Service, Trust, and Community.
Position Focus Areas:
Client Experience & Service Excellence
- Model CSBs Core Values in all decisions and interactions.
- Ensure staff deliver meaningful client conversations to uncover needs.
- Resolve escalated client issues, ensuring positive outcomes and retention
Operational Proficiencies
- Oversee all branch operations: teller, TCR, ATM, vault, and security processes.
- Ensure daily tasks are completed: NSF decisions, non-post review, wire approvals.
- Maintain full accountability for audit cycles and corrective actions.
- Support loan origination (consumer, HELOC, small business) with accuracy and compliance.
- Manage Treasury Management referrals and collaborate with TM officers.
- Monitor and support outbound calling programs; ensure team follow-through.
- Provide staff supervision, coaching, and performance management.
- Use training checklists and proficiency scorecards to evaluate staff readiness.
- Manage staffing schedules and ensure coverage for branch and market needs
Branch Operations & Compliance
- Serve as final decision-maker for all branch operations, compliance, and client service.
- Hold accountability for branch performance metrics including deposits, loans, and profitability.
Client Service & Relationship Management
- Drive branch portfolio growth through acquisition and deepening relationships.
- Represent CSB at community events and networking opportunities.
- Build partnerships with Treasury Management, Commercial, and Mortgage teams.
Team Leadership & Development
- Lead staff development and training in products, services, lending, and compliance.
- Conduct timely performance evaluations and set development plans.
- Mentor high-potential staff for succession planning.
Strategic Execution
- Act as a visible leader in the community, building relationships to expand branch visibility.
- Lead branch-level business development, networking, and external calling efforts.
- Represent CSB at community and market events, positioning the branch as a trusted financial partner.
- Develop and execute the branch business plan aligned with bank goals.
- Monitor branch performance metrics and adjust strategies to meet objectives.
- Support and reinforce a sales and service culture that aligns with CSBs strategic priorities
Critical Success Factors:
- Client Focus: Provides exceptional, proactive service to every client.
- Operational Accuracy: Consistently maintains proficiency standards for balancing, reporting, and compliance.
- Teamwork: Actively contributes to branch success and peer support.
- Adaptability: Manages multiple priorities with professionalism and efficiency.
- Values-Driven: Demonstrates CSBs Core Values of Character, Commitment, Service, Trust, and Community daily.
Position Focus Areas:
Client Experience & Service Excellence
- Model CSBs Core Values in all decisions and interactions.
- Ensure staff deliver meaningful client conversations to uncover needs.
- Resolve escalated client issues, ensuring positive outcomes and retention
Operational Proficiencies
- Provide full oversight of tellers, ATM, TCR, vault, accounts, and branch operations.
- Ensure daily completion of NSF decisions, non-post reviews, partner email responses, and wire approvals.
- Maintain accountability for all branch audits (monthly, semi-annual, annual) and corrective actions.
- Originate and oversee consumer loans, HELOCs, and small business loans.
- Support Treasury Management referrals and coordinate with TM, Commercial, and Mortgage teams.
- Drive outbound calling efforts; ensure staff follow-up and conversions.
- Manage staffing schedules and coverage for branch and market needs.
- Conduct staff evaluations, training, and development using scorecards and checklists.
Lending Proficiency & Production
- Demonstrate mastery in all lending products: consumer, HELOC, and small business.
- Actively originate loans while coaching staff to recognize and refer credit opportunities.
- Ensure compliance with lending policies, regulatory requirements, and documentation standards.
- Drive loan production goals; monitor performance and adjust strategies as needed.
Branch Growth & Profitability
- Hold full accountability for branch profitability, including revenue growth and expense control.
- Develop and execute branch business plans aligned with market objectives.
- Monitor performance metrics and ensure achievement of deposit, loan, and profitability goals.
- Balance operational excellence with growth and profitability targets.
Team Leadership & Development
- Lead, mentor, and hold staff accountable for sales, service, and compliance.
- Provide advanced coaching in lending, Treasury, and business development.
- Identify and develop high-potential employees for leadership succession.
- Foster a high-performance culture with clear goals and accountability.
- Participate in new accounts, maintenance, teller functions, and any other tasks as needed to support the team.
Business Development & Market Engagement
- Act as a visible leader in the community, building relationships to expand branch visibility.
- Lead branch-level business development, networking, and external calling efforts.
- Partner with Treasury, Commercial, and Mortgage teams to deliver comprehensive client solutions.
- Represent CSB at community and market events, positioning the branch as a trusted financial partner.
Qualifications
Critical Success Factors:
- Client Focus: Provides exceptional, proactive service to every client.
- Operational Accuracy: Consistently maintains proficiency standards for balancing, reporting, and compliance.
- Teamwork: Actively contributes to branch success and peer support.
- Adaptability: Manages multiple priorities with professionalism and efficiency.
- Values-Driven: Demonstrates CSBs Core Values of Character, Commitment, Service, Trust, and Community daily.
Preferred Education/Experience/Software:
High school diploma or equivalent required; some college preferred. Knowledge of basic math. Minimum of 5 years of progressive retail banking, cash handling experience, account servicing, HELOC origination and processing, treasury solutions, and business banking is preferred. Proficient with use of technology, including banking systems that include Premier UI, Mantl, Verafin, CheckFree (preferred by not required).. Experience in leading and mentoring peers. Detail oriented with strong organizational and critical thinking skills. Comfort with digital banking tools and ability to educate clients on their use. Knowledge of a wide range of Microsoft Office software applications is preferred.
Training:
Complete all compliance, audit, and leadership training on schedule. Ensure adherence to BSA, AML, KYC, and privacy standards
Additional Requirements:
The responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies. Proficient in operating computers and calculators with accuracy and efficiency. Must have excellent customer relation skills. Ability to prioritize and manage multiple responsibilities effectively. Strong communication, coaching, and community engagement skills.
Work Environment/Physical Demands:
Professional regulated office environment with adherence to compliance, security, and operational standards. While performing the duties of this position, the team member is regularly required to operate standard office equipment. The team member is frequently required to communicate and perceive. The position is primarily stationary and not substantially exposed to adverse environmental conditions and requires sedentary work such as exerting up to ten pounds of force 5% of the time and a negligible amount of force approximately 95% of the time.
* This position description has excluded the marginal or peripheral functions that are incidental to the performance of primary functions. Duties, responsibilities and activities may change at any time with or without notice. This position description does not create an employment contract, implied or otherwise, other than an at will employment relationship.