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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