Position Summary:

The Chief Retail Officer directs and oversees bank performance through managing the mortgage lending, marketing, and retail delivery function of the bank. Promotes a sales and service culture through coaching, guidance, and staff motivation. Establishes individual, department and branch goals, along with performance standards. Ensures all bank and regulatory policies and procedures are followed consistently. Ensures that customer experience is aligned with strategic plan and brand/core values.

As a member of various committees within the bank, this position is responsible to make recommendations to such items as retail deposit and lending product mix, funding strategy, marketing promotions, actions to achieve plans, and the like.

This position is part of Prevail Bank’s executive management team. In that role, this position will be part of the team that helps determine the bank’s long-term direction, policies and procedures, and addresses other strategic issues.

Duties and Responsibilities

Responsible for setting and meeting goals within the Retail Deposit, Retail Lending, and Marketing Departments.

Coaches, motivates, and develops managers within the Retail and Marketing Departments. Conducts employee performance evaluations of direct reports creating accountability through performance measurement against objectives, using the review process to build motivation and commitment.

Provide guidance to direct reports in setting goals for their staff members.

Ensures training and development of retail staff occurs on bank protocol, operational processes, policies and procedures. Making certain all retail staff understand the role of relationship sales and cross sell opportunities within the bank.

Responsible to oversee the overall mortgage loan origination function. This would include working alongside the VP of Mortgage Lending to develop goals and actionable items.

Facilitate regular team meetings focused on sales, service, and product training.

Responsible for assuring that the retail area is actively deepening customer relationships through direct sales efforts, cross-selling and outbound contact efforts.

Develop strategies to achieve organizational goals.

Assist with defining the marketing needs by branch. Will help define ways to improve brand image and marketing plans.

Assist with aligning marketing efforts with the Retail goals and working in conjunction with both departments to execute a well-developed strategy.

Must understand marketing and advertising in a community bank. This includes developing budgets, understanding the optimal media and market research, completing competitive analysis and the like.

Participate and remain actively involved in community-wide initiatives, including but not limited to volunteering and business networking.

Participate in special projects or assignments as necessary.

Perform other duties as required to fulfill the responsibilities of the position.

Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies.

Comply with bank standards for attendance and hours of work.

Qualifications

Education/Experience:

Four-year degree in business, economics, finance or related field; or equivalent combination of education and experience.

At least seven years of senior management experience at a financial institution. Pertinent experience includes Retail Lending (consumer and mortgage) and Retail Deposit.

Skills and Abilities:

Adaptability:

Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.

Attention to Detail:

Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.

Change Management:

Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.

Customer Orientation:

Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.

Oral/Written Communication:

The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.

Professionalism:

Project a positive image of the bank to all internal and external customers.

Time Management:

Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.

Team Player:

Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank.