Director, Retail Regional East

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JOB FUNCTION / SUMMARY:

Manages a region of Hancock Whitney branches by performing the following duties personally or through subordinate supervisors.

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Directs and coordinates branches or offices in implementing institutional policies, procedures and practices concerning granting or extending lines of credit, commercial loans, real estate loans and consumer credit loans.
• Oversees and directs activities of branches or offices to ensure profitability and operational efficiency.
• Contacts customers and business, community, and civic organizations to promote goodwill and generate new business.
• Works with customers to resolve account problem.
• Plans and directs the overall retail and operational activities within assigned branches.
• Exercises managerial control over functions of the assigned branches, including participation in the budget process, implementation of regional/local policy and explanation of company programs, policies and objectives.
• Establishes sales goals and strategies, and periodically assesses performance against set goals.
• Conducts sales calls or staff meetings to monitor success of goals and coach/assist as needed.
• Evaluates the effectiveness of branches through analysis of branch activity reports.
• Establishes service policies and standards for retail accounts in order to ensure customer satisfaction and loyalty.
• Accountable for maintaining corporate standards for regulatory compliance, lending and risk management policies, and internal financial and operational controls for all activities related to assigned branches.
• Coordinates with others within Retail Banking on long range planning.
• Extends credit to businesses and/or individuals through a wide variety of installment, and/or real estate loans.
• Implements lending policy to realize desired portfolio objectives in terms of type and size of loans, interest rates, and terms offered.
• As senior lender within the branches, supervises and works on problem loans, provides training to junior loan officers and restructures loans concerning workout situations to avoid or minimize losses.
• Manages and reports on overall loan growth, consumer loan growth, business/commercial loan growth, and mortgage production.
• Manages and reports on the branch’s “Credit Quality” including delinquencies, watch list loans, problem loans, work out and recovery.
• Maintains prescribed security controls to protect facilities against criminal and fraudulent operations and unnecessary risk or exposure.
• Represents the company in various civic and community functions to further enhance its image and develop additional business.
• Serves as management’s direct link to the assigned communities.
• Ensures alignment of the branch’s business development and marketing goals with Corporate goals.
• Reviews and recommends objectives, policies, and procedures for assigned branches.
• Plans for and recommends the expansion/contraction of banking facilities, increases in staff and changes in hours of business for assigned branches.
• Provides advice and guidance to Branch Managers and other subordinate personnel.

SUPERVISORY RESPONSIBILITIES:

Manages several subordinate supervisors who supervise a number of employees in the bank branches in the area of responsibility; Is responsible for the overall direction, coordination, and evaluation of these units; Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:

• Master's degree or equivalent; ten years of related experience and/or training; or equivalent combination of education and experience
• Language Skills:                                            
  • Ability to communicate effectively orally and in writing using the English language
  • Ability to read, analyze, and interpret general business periodica