Retail Banking Manager

Retail Banking ManagerMerchants Bank has an opening for the leadership position of Retail Banking Manager. This position can work out of any of the following locations: Winona St. Charles Rochester MNThis position provides strategic leadership and operational oversight for all retail banking activities for the Winona St. Charles and Rochester markets. This role is accountable for driving customer experience excellence managing retail deposit relationships and ensuring consistent adoption of processes and procedures within Merchants Banks risk management framework. The position is responsible for achieving both short-term and long-term profitability goals aligned with shareholder return Retail Banking Manager fosters a culture of transparency collaboration and equitable treatment creating a welcoming environment for all stakeholders while supporting employee growth and career development. This role ensures consistency in customer experience across all branches oversees retail banking activities and maintains compliance with regulatory requirements. The individual represents Merchants Bank as a top business leader in the responsibilities include:Leading and managing retail banking operations including teller services deposit accounts and consumer lendingDriving customer relationship management retention and growth strategiesCoaching and developing Universal Banking Managers and their teams to deliver exceptional service and meet performance goalsPromoting community engagement and business development initiatives to strengthen the Banks presenceEnsuring adherence to all internal policies procedures and regulatory standards while maintaining ethical practices and confidentiality.5 years experience in retail banking and leading and managing a team required. Excellent communication skills are required. Must have the ability to handle sensitive and confidential situations. Merchants Bank offers competitive wages and benefits for our full-time employees including health dental life disability and vision insurance; flexible spending accounts 401(k) and ESOP retirement plans; bonus plan; paid time off; tuition reimbursement; and a variety of voluntary supplemental insurance options. Pleaseclick on Apply Now or apply in personat any Merchants Bank location. Questions can be emailed to Bank is an Equal Opportunity Employer of women minorities protected veterans and individuals with Duties:Strategic Leadership & CultureRepresent the Bank as a top business leader in the exceptional customer experience a culture of transparency communication and strategic and enforce the One Merchants culture and core equitable treatment and a welcoming environment for all Banking OperationsLead and manage all retail banking activities in the defined market : Train coach and mentor tellers on procedures compliance and customer large transactions or exceptions beyond teller adherence to bank policies security protocols and regulatory for fraud suspicious activity and escalate issues as with complex customer inquiries or in during peak times to help with Accounts:Provide guidance on deposit products and services. Coach bankers to identify customer needs and recommend appropriate solutions. Handle escalated inquiries or complaints related to deposit all account activities comply with bank policies and federal Lending:Deliver and oversee consumer credit products across assigned bankers on lending practices and product creditworthiness and make sound lending accurate loan documentation and adherence to loan portfolio collect on loans when necessary and meet lending customer confidentiality and regulatory retail teammates consistently meet established standards for timely and professional interactions across all customer channelsLobby Drive-Up Telephone Email and Mailby monitoring performance identifying service gaps and implementing targeted improvement plans. Provide ongoing oversight and coaching to drive measurable enhancements in service delivery and customer closely with branch staff to maintain accurate timesheets uphold scheduling standards and prevent overtime supporting operational efficiency and policy adoption of defined processes and procedures within the risk management retail deposit relationship management retention and profitability aligned with shareholder ROI & Staff DevelopmentSupervise Universal Banking Managers and their ensure successful new hire onboarding for UBMs UBs & ongoing coaching and mentoring to Universal Bankers Lead Tellers and comprehensive knowledge of all products and services and ensure retail staff are trained and equipped to deliver accurate information and exceptional customer proficient in and train staff on various retail software policies and procedures specific to retail with collaboration and approval from the Director of Retail & Director of Teller Administration. Will also be held accountable to communicate and train staff on all polices and a collaborative communicative and customer-focused work with Director of Retail Director of Teller Administration and Risk Management on fraud prevention and Voice of the Customer feedback and coach to necessary Engagement & Business DevelopmentMaintain visibility and involvement in civic and community the Bank professionally in public and community and participate in business development efforts to grow customer -involvement - and encouragement of retail staff involvement - in community/bank eventsCompliance & GovernanceParticipate in various compliance meetings to learn about current findings and share suggestions for improvement. Expected to educate retail teammates on lessons to timely completion of all required compliance training for self and team monitoring progress and providing support to maintain 100% adherence to regulatory adherence to all internal policies procedures and ethical standards and confidentiality in all Support & PerformanceOversee execution of marketing campaigns within all branch locations including management of lobby signage and promotional materials to maintain compliance and enhance customer with branch facilities management ensuring operational readiness and resolving maintenance issues promptly to support a safe and efficient customer to a positive work environment and outstanding customer attendance and training strategic goals and recommend process in internal committees project teams and strategic :5 years experience in retail banking required. 5 years experience in leading and managing a possess high degree of ability/aptitude in financial analyses. College degree or equivalent business experience. Other areas critical to the position are: sales ability/customer orientation confidentiality and interpersonal communication. Preferred experience includes roles as Teller Deposit Services and Consumer be required to obtain insurance license to sell credit life and disability insurance. Must possess strong computer have excellent customer relations skills and demonstrate ability to consistently display a positive and professional image at all times when representing Merchants Bank. Must be skilled at handling sensitive and confidential customer and employee Demands:While performing the duties of this job the employee is regularly required to sit and stand and must possess a negligible amount of strength for lifting carrying etc. Requires average ability in finger dexterity to operate various business equipment such as computers calculators copiers Conditions:Travel to all Merchants Bank branch locations within defined leadership territory is required. May require branch opening and closing shift coverage. Predominately inside working environment; however will be required to meet and assist customers outside the Bank that will involve various working conditions. No environmental hazards such as chemicals. May be asked to assist in certain activities relating to collections that would expose individual to outside Bank environment on a limited :This position reports directly to the AVP/Director of Retail with leadership collaboration and bank performance guidance from the Market & Regional President team. Must conduct self in a manner that will ensure a harmonious office climate and enhance overall branch performance.