BRANCH MANAGER St. Thomas

Job description

Branch Manager – St. Thomas, US Virgin Islands
Job Code: OL - 110 | Department: Sales and Distribution
Reports To: Market Manager | FLSA Status: Exempt
Band: Operational Leaders

Job Summary
The Branch Manager is responsible for the effective management and performance of a retail branch.

This includes ensuring compliance with institutional policies, procedures, and regulatory requirements, while achieving business strategies and performance goals.

Essential Responsibilities


+ Grow the branch portfolio by participating in business planning, identifying and coordinating products/services, executing marketing initiatives, and performing sales activities.

+ Promote and cross-sell financial products and services, supporting organizational efforts to build and retain customer relationships.

+ Collaborate with commercial teams to manage loan delinquencies and review overdraft reports.

+ Control operational costs and drive income growth to improve business results.

+ Oversee account overdraft decisions (excluding commercial accounts).

+ Manage, coach, and monitor branch personnel to ensure compliance with policies, procedures, and regulations.

+ Recommend and implement measures to optimize branch operations.

+ Monitor sales, financials, and operational performance metrics.

+ Expand the personal lending portfolio by reducing disbursement time and promoting cross-selling of services like Cash Management and Merchant Services.

+ Develop and maintain relationships with commercial and personal clients through outreach visits.

+ Ensure service effectiveness and operational efficiency aligned with client needs.

+ Motivate and lead staff to achieve peak productivity; evaluate individual and team performance in line with sales culture.

+ Support the administration of the OSS program, ensuring compliance with its requirements.

+ Lead staff meetings, communicate business goals, and encourage team participation in problem-solving.

+ Foster a positive work environment that supports training, development, and incentive programs.

+ Promote continuous learning and a culture of quality improvement.

+ Lead the implementation of the Total Quality Program, ensuring achievement of quality standards and compliance indicators.

+ Oversee audits and investigations in collaboration with Product, Risk, Quality Management, and Branch Operations teams.

+ Ensure full compliance with all applicable laws and regulations, including BSA, TIS, TIL, and CRA.

Independence of Judgment
This role involves identifying, defining, and resolving moderately complex problems, and implementing policies and strategies within established operational guidelines.

Supervisory Responsibilities
Direct supervision of the Branch Sales Assistant Manager and Branch Team.

Competencies

+ Strong management and leadership skills

+ Sales and marketing expertise

+ Excellent communication and presentation abilities

+ Strategic thinking and problem-solving

+ Customer service orientation

+ Knowledge of banking laws, products, services, and credit policies

+ Computer literacy (MS Office)

+ Business analysis and reporting skills

+ Team-building and coaching capabilities

+ Administrative and clerical knowledge

Impact of Errors
Errors may affect job retention, business objectives, organizational reputation, and client relationships.

They may also result in legal and financial consequences.

Interpersonal Communication
This role requires frequent interaction with internal and external clients across diverse backgrounds.

Physical Demands
Reasonable accommodations may be made for individuals with disabilities.

The role requires sitting, standing, walking, data entry, reaching, handling, talking, and hearing.

Some duties may occur outside a typical office setting.

Education
Bachelor’s degree in Business Administration, Finance, or a related field preferred.

Experience / Minimum Requirements


+ At least 5 years in a supervisory or management role within banking or financial services

+ Knowledge of banking regulations (KYC, BSA, AML)

+ Ability to develop and execute retail branch strategies

+ Proficiency in MS Office

+ Strong sales and service orientation

+ Excellent interpersonal and teamwork skills

+ Ability to analyze data and present actionable insights

+ Familiarity with competitor products and services

+ Proven ability to supervise, coach, and motivate staff

+ Strong written and verbal communication skills in English

+ Flexibility to work holidays, weekends, and travel as needed

Equal Employment Opportunity Employer

Required Skill Profession

Other General