Job Description

Position Summary: 

The Assistant Vice President of Banking Product Manager is responsible for the strategic oversight, marketability, and 
profitability of the Bank’s consumer and small business banking products. This role will develop and recommend product pricing, features, positioning, and performance goals to support growth and profitability across all banking channels. The AVP will work closely with cross-functional teams to ensure products meet customer needs, align with market trends, and comply with regulatory requirements. 

Job Duties/Responsibilities: 

Product Strategy & Lifecyle Management

• Manage the full lifecycle of deposit and loan products, including development, pricing, positioning, and 
  performing analysis. 
• Monitor industry trends, customer feedback, and competitor offerings to ensure products remain relevant and 
  competitive. 
• Recommend new product offerings or modifications to existing products based on market demands.

Profitability & Pricing Strategy

• Conduct profitability analyses and recommend pricing strategies to optimize margins and market competitiveness. 
• Collaborate with finance, operations, and retail team to define revenue targets and manage product-related costs. 
• Track and report key performance indicators (KPIs) for each product line. 

Cross-functional Collaboration

• Partner with marketing, retail lending, compliance, and operations to develop and launch product campaigns, 
  internal training, and external communications. 
• Work with IT and digital banking teams to support product implementation and enhancements across digital 
  channels. 
• Ensure product documentation and disclosures are accurate and compliant. 

Customer & Market Insight

• Lead initiatives to gather customer insights through research, surveys, and frontline feedback. 
• Identify emerging customer needs and propose solutions that align with strategic goals. 
• Act as a subject matter expert (SME) on all consumer and small business products. 

Operational & Compliance Responsibilities 

• Ensure adherence to all regulatory and compliance standards, including the Bank Secrecy Act (BSA) and Anti Money Laundering (AML) requirements. 
• Maintain a secure and confidential work area, protecting sensitive customer and bank information. 
• Demonstrate a strong commitment to Community Bank & Trust – W. Georgia’s Mission, Vision, and Values 
  through daily interactions, customer engagement, and ethical decision-making. 
• Travel as needed between branches and to customer sites for meetings, product training, or support. 
• Serve as a visible representative of the Bank at community events, supporting business development and brand 
  reputation. 
• Perform all other duties as assigned. 

Required Skills/Abilities: 

• Experience working in community-focused banks or regional financial institutions. 
• Familiarity with core banking systems and CRM tools. 
• Ability to drive cultural change and build high-trust teams. 
• Strong understanding of consumer and small business banking products and services. 
• Excellent communication, strategic thinking, and relationship-building skills. 
• Demonstrated commitment to community involvement and outreach. 

Education and Experience:

• Bachelor’s degree in business administration, Finance, Marketing, or a related field required. MBA or similar 
  advanced degree is a plus. 
• 5 + years of banking experience, with at least 3 years in product management or product development

Physical Demands and Work Environment:  

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. 

While performing the duties of this position, the employee is regularly required to communicate. The noise level in the work environment is usually moderate. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Onsite work environments are climate controlled. 
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Note: 

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. 

This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an “at-will” relationship. 

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