Retail Small Business Director

Overview

Description

The Retail Small Business Director defines and executes the small business strategy across the retail footprint. The role sets the vision and roadmap for how retail attracts, serves, and deepens small business relationships, while leading a team of Business Lending Specialists who act as in market lending experts and producers. This position blends strategic leadership with field production support to deliver a consistent, scalable small business banking experience.

• Build the Retail small business strategy across lending, deposits, payments, treasury, and client acquisition.
• Develop a multi‑year growth roadmap outlining required capabilities, tools, training, and operating model improvements.
• Partner with Product, Credit, Regional Banking, Marketing, Digital, Operations, and Analytics to align retail and enterprise priorities.
• Create performance dashboards and routines to track results and drive continuous improvement.

• Lead and develop a team of Business Lending Specialists who serve as market‑based lending experts and producers.
• Set production targets, quality standards, and accountability routines.
• Oversee territory assignments, coverage models, and prioritization.
• Ensure specialists deliver strong lending advice, credit packaging, pipeline discipline, and partnership with district and branch leaders.
• Foster a performance‑driven culture focused on growth and client outcomes.

• Develop playbooks, routines, and training for branch teams.
• Partner with Market and District Leaders to strengthen production, build capability, and drive consistent execution.
• Maintain strong field presence through market visits, reviews, and targeted coaching.
• Bring frontline insights back into strategy, credit, and product improvements.

• Drive small business loan production via Business Lending Specialists and branch-based activity.
• Improve pipeline management, lead conversion, cycle times, and credit decision consistency.
• Partner with Credit to align underwriting, manage portfolio quality, and ensure strong risk practices.
• Grow full small business relationships across deposits and OCR natural-fit partners (merchant services, treasury, payments).

• Ensure compliance with all credit, operational, regulatory, and risk standards.
• Reinforce ethical sales practices and responsible growth.
• Maintain strong documentation and lending quality across activities.

• Serve as the coordination point between retail and enterprise partners for all small business matters.
• Represent retail in product strategy, credit policy, digital enhancements, and operational improvements.
• Build strong partnerships across the organization to simplify processes and enhance the banker and client experience.

• Bachelor’s degree in business, finance, or related field, or equivalent experience.
• 10+ years in retail banking, small business banking, business lending, or multi‑unit leadership.
• Proven experience leading large teams of customer‑facing producers.

• Experience developing and executing enterprise‑level strategies.
• Deep understanding of business lending, credit processes, and small business P&L drivers.
• Strong analytical and data‑driven decision‑making skills.
• Excellent communication, leadership presence, and change‑management ability.
• Ability to influence across levels and functions.

Exempt Status:
Yes (not eligible for overtime pay) / No (eligible for overtime pay)

Workplace Type:
Office

Our Approach to Office Workplace Type:
Certain positions outside our branch network may be eligible for a flexible work arrangement. We’re combining the best of both worlds: in‑office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter.

Specific work arrangements will be provided by the hiring team.

Compensation Range: $170,000-$350,000 Annual…