German American State Bank - Branch Manager
Company: German American State Bank
Location: Rockton
Posted on: June 24, 2022
Job Description:
Job DescriptionWe are growing! Are you a professional Banking
Leader looking for an exciting opportunity to grow with our German
American State Bank Family? Well, look no further! APPLY NOW!
Organization Overview:German American State Bank was chartered on
January 21, 1907 and prides itself as being one of the oldest
community banks in the state of Illinois. German American State
Bank is committed to serving its communities of German Valley,
Seward, Pecatonica, Winnebago, and Belvidere with products and
services to help achieve the financial goals of our customers.
German American State Bank has grown from a single branch to now
operating four full service locations by opening its second branch
in Seward in 1983, followed by Pecatonica in 1999, Winnebago in
2005, and a loan production office in Belvidere in 2019. In 1986
with a foreword vision of the future of banking, German American
State Bank and State Bank of Davis merged to form Foresight
Financial Group, a multi-bank holding company. In addition to
German American State Bank and State Bank of Davis, the holding
company also is made up of State Bank Freeport, Northwest Bank of
Rockford, Lena State Bank, and State Bank of Herscher. Position
Summary:Responsible for the management of the assigned branch
facilities. Provides outstanding service and sales of all retail
and business banking products 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, meaningful relationships with customers, resolving
customer issues, engaging them to understand their financial needs
and providing thoughtful solutions. Generates leads and uncovers
new streams of revenue within existing relationships by engaging in
prepared calls on customers and prospects.Primary
Responsibilities:
- Develops, cultivates and grows customer relationships in target
markets by soliciting and assisting customers in their selection of
various accounts and financial services while cross-selling the
various Bank products and services; performs a thorough needs
assessment to understand and offer appropriate products and
services.
- Opens, maintains, and closes all types of accounts while
promoting business for the Bank by maintaining good customer
relations and referring customers to the appropriate staff when
necessary; reviews all loan and deposit documentation with
customers to ensure their understanding of products.
- Responsible for consumer lending by interviewing applicants,
gathering appropriate credit application information, explaining
loan products including rates, terms, and collateral requirements,
obtaining credit reports, underwriting loans in compliance with
Bank policies, procedures, and regulations, communicating final
credit decision to applicant, and closing the loan with the
applicant when applicable. Collect costs incurred on withdrawn or
denied applications.
- Review overdraft report daily and make return decisions.
- Manages and services a consumer loan portfolio; performs loan
servicing activities by pursuing the collection of any delinquent
account immediately and formulates actions plans to remedy
delinquent or past due loans.
- Follows up on any open documentation exceptions or tickler
items such as insurance and collateral exceptions.
- Maintains an in-depth knowledge of retail consumer and small
business products/services including all types of deposit accounts,
consumer loan products, IRA's, and cash management products and
ensures staff is knowledgeable and proficient in the sales of such
products.
- Calls on prospects and customers to generate new deposit and
loan opportunities for the Bank.
- Provides recommendations to and coordinates with Marketing and
Management on product development, pricing, promotion, advertising,
and merchandising. Recommends new products and consumer loan
programs and evaluates existing programs for greater profit
potential.
- Responsible for day-to-day operations of assigned branch
including managing the safety and security of the branch facility
and staff.
- Supervises, coaches, and sets performance standards; gives
ongoing feedback and conducts effective performance appraisals for
assigned staff if applicable.
- Provides and promotes excellent customer service with a
friendly demeanor, can-do attitude, and willingness to help at all
times.
- Establishes close working relationships with loan officers
(Mortgage, Commercial, Ag) and investment partner, referring
customers when appropriate to provide timely financial
solutions.
- Provides guidance to Personal Bankers, Universal Bankers and
Tellers with respect to regulations, documentation, procedures, and
product knowledge along with assisting with complex
transactions.
- Promotes and participates in a sales and service culture
consistent with the Bank's business plan goals by coaching and
educating retail staff on banking products.
- Ensures compliance with all Bank policies and procedures and
all applicable state and federal banking laws, rules and
regulations including Bank Secrecy Act and Anti Money Laundering to
assist management in monitoring for suspicious activity, money
laundering, or other illegal customer activity. Responsible for the
collection and verification of identifiable information in
accordance with the PATRIOT Act when opening new accounts.
- Participates in civic and community activities to generate
visibility and contact for the bank.
- Completes administrative tasks; supporting the Bank's goals and
values as assigned. 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, is
approachable and is a subject matter expert in their area of
expertise.Customer Service: Champions superior treatment of
customers by responding promptly to customer needs; Solicits
customer feedback to improve service; Responds to requests for
service and assistance; Meets commitments; and manages difficult or
emotional customer situations.Business Development: Strong ability
to utilize networking, product and industry knowledge and customer
service skills to achieve and exceed approved budget; proactively
initiates new contacts; Uses persistence and persuasion to overcome
objections; Upholds highest level of customer satisfaction;
Maintains accurate records and submits needed information
promptly.Problem Solving: Identifies and resolves problems in a
timely manner; Gathers and analyzes information skillfully;
Develops alternative solutions; Works well in group problem solving
situations; Uses reason even when dealing with emotional
topics.Initiative: Motivated and driven by achieving or surpassing
expectations, proactively identifying efficiencies, learning new
products and improving delivery of customer service.Adaptability:
Adapts to changes in the work environment; Manages competing
demands; Changes approach or method to best fit the situation; Able
to deal with frequent change, delays, or unexpected
events.Professionalism: Approaches others in a tactful manner;
Reacts well under pressure; Treats others with respect and
consideration regardless of their status or position; Maintains
Integrity; Accepts responsibility for own actions.Technical: Basic
PC/Windows, Microsoft Products, and Jack Henry knowledge. Self-user
and promoter of e-banking suite of services. Basic knowledge of
banking products, services, policies, procedures and regulations.
Basic knowledge of Bank Secrecy Act and all other relative
regulations and laws.Physical Demands and Work Environment: This
job operates in a clerical office setting. This role routinely uses
standard office equipment such as computers, phones, copy machines,
filing cabinets and fax machines. The physical demands described
here are representative of those that must be met by a Team Member
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. The Team Member must be able to legally
operate a motor vehicle. While performing the duties of this Job,
the Team Member is regularly required to sit or stand for extended
periods of time. Position Performance Standards:Meet annual loan
and deposit growth goals.Complete expected number of prospect calls
per month.Successfully execute retail initiatives and meet
initiative goals as agreed.Maintain exterior and interior branch
facilities ensuring a safe, pleasant work environment and positive
customer experience. Performance Weightings:30% Competencies70%
Position Performance Standards and Personal Goals Qualifications:HS
Diploma/equivalent required. Associates degree in communications or
business preferred. Minimum 2-3 years prior experience in a retail
banking role required. Must have a valid driver's license and the
ability to travel regionally, as needed.
Keywords: German American State Bank, Rockford , German American State Bank - Branch Manager, Executive , Rockton, Illinois
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