Branch Operations Manager

Position Overview:Branch Operations Manager

A Branch Operations Manager provides personalized financial solutions by assisting customers with daily banking needs, opening and maintaining accounts, and recommending appropriate products and services.

Core Responsibilities:

Business Growth and Relationship Management:

  • Establish a steady rhythm for SBA business progress within the market, covering a range of elements such as:
  • Organizing calls and monitoring outcomes
  • Client retention calls
  • New client prospecting
  • Engaging in telephone conversations as part of external outreach efforts
  • Networking events
  • Maintain and broaden a sophisticated COI base consisting of community and business influencers to boost referral generation
  • Accountable for sales-related activities, credit analysis, structuring loans correctly, packaging and submitting SBA loan requests, conducting client interviews, and assessing individual qualities
  • Foster and create innovative networks to expand the scope of business relationships

Credit and Lending Expertise:

  • Shows adeptness in interpreting financial tools and credit opportunities for businesses, including:
  • Structuring customized terms and offerings based on business needs, asset lifespan, and strategies for expansion
  • Examining financial statements and tax returns to determine applicant creditworthiness and risk
  • Aligning short- and long-term credit needs with business sales cycles and future growth plans
  • Providing guidance to clients regarding financial institution underwriting standards, SBA programs, and applicable governmental regulations
  • Coordinating with attorneys, loan closing specialists, and internal teams to ensure timely loan closing and funding
  • Balancing business objectives, customer expectations, and risk management requirements
  • Adhering to Seacoast Bank’s Code of Conduct and ethical standards
  • Mentoring and coaching new SBA lenders to support professional development
  • Ensuring compliance with bank policies and procedures, including BSA, AML, and OFAC requirements
  • Reviewing loan applications and collecting required documentation while following fair lending and ethical sales practices
  • Resolving customer concerns promptly and professionally, escalating issues when necessary

Qualifications and Experience:

  • High school diploma or equivalent required
  • College degree in a finance-related field preferred
  • Minimum of five years of directly related SBA lending experience preferred
  • At least 10 years of experience in business development and/or financial services
  • Strong written, verbal, and interpersonal communication skills
  • Proficiency in using desktops, laptops, tablets, smartphones, and Microsoft Office applications
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