ESSENTIAL FUNCTIONS:
• Manages all aspects of retail banking including personnel, sales, service, operational efficiency, product development, technology, and compliance.
• Develops and executes a deposit strategy to achieve growth goals in terms of deposit growth and cost of funds.
• Leverages branch network to support organizational lending efforts.
• Monitors current trends in the banking industry and assesses market conditions to implement retail banking strategy to gain and sustain the Bank's competitive edge.
• Evaluates current retail banking products and services for opportunities to improve, change or expand the portfolio.
• Creates annual budgets and periodic reforecasts for deposit balances, fee income, and operating expenses. Provides weekly deposit cash flow projections.
• Manages ATM fleet including purchase, installation, operations, and compliance.
• Drives and analyzes the branch system footprint and profitability.
• Reviews and controls the branches operating costs to maintain cost control.
• Assesses, recommends, and implements marketing plans to meet retail banking strategic objectives.
