Branch Lending & Operations Manager I

GENERAL DESCRIPTION OF POSITION

The Branch Lending and Operations Manager I is responsible for observing and assisting with overall operations at branch locations to ensure policy and procedures are being followed and report recommendations to administrative officers. This position is responsible for processing loan data and credit information, analyzing and evaluating creditworthiness, and setting payment terms.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Responsible for observing and assisting with overall operations at branch locations. This duty is performed daily.

2. Analyzing effectiveness and efficiency of branch operations. This duty is performed daily, about 10% of the time.

3. Ensuring customer satisfaction with bank products and services. This duty is performed daily, about 10% of the time.

4. Observes and assists all branch employees with daily activities to ensure compliance with Federal and Bank regulations, policies and procedures. This duty is performed daily, about 10% of the time.

5. Calls on potential customers and introduce the Bank's products and services. This duty is performed weekly, about 5% of the time.

6. Visits with existing customers to obtain potential business referrals. This duty is performed weekly, about 5% of the time.

7. Works with customers to determine mutually acceptable and beneficial lending arrangements. This duty is performed weekly, about 5% of the time.

8. Works with customers regarding resolutions of complaints and/or problems. This duty is performed weekly, about 5% of the time.

9. Develops new product recommendations to generate additional business. This duty is performed weekly, about 5% of the time.

10. Develops and maintains business relationships with customers. This duty is performed weekly, about 10% of the time.

11. Communicates with existing customers regarding their deposits to determine if they have additional needs. This duty is performed weekly, about 5% of the time.

12. Originates consumer loans: Interviews, receives loan applicants, gathers information and processes preliminary documents on loan requests. This duty is performed daily, about 10% of the time.

13. Resolves complaints and/or problems. This duty is performed as needed.

14. Works with the Regional Team in resolving personnel issues such as interviewing, assisting with hiring branch staff and helping to determine staffing needs. This duty is performed as needed, about 5% of the time.

15. Originates and manages consumer and light commercial portfolios. This duty is performed weekly, about 5% of the time.

16. Ensures lending operations are conducted in accordance with established policies and procedures and are legally compliant. This duty is performed as needed.

17. Evaluates and verifies loan applications and credit criteria, including computes debt ratios, verifies employment and income. Approves loans within limits of authority and notifies applicants of loan decisions. Requests additional information if required. This duty is performed daily, about 5% of the time.

18. Approves loans within limits of authority and notifies applicants of loan decisions and requests additional information if required. This duty is performed daily, about 5% of the time.

19. Completes required BSA/AML training and other compliance training as assigned. This duty is performed daily.

20. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.

21. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

High school or GED, plus specialized schooling and/or on the job education in a specific skill area; e.g. data processing, clerical/administrative, equipment operation, etc., plus 5 years related experience and/or training, and 12 to 18 months related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions, and procedure manuals; ability to write routine reports and correspondence. ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization. Ability to read, analyze, and understand general business/company related articles and professional journals; ability to speak effectively before groups of customers or employees. ability to write reports, business correspondence, and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Registered with Nationwide Mortgage Licensing System

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Advanced: 10-Key

Intermediate: Alphanumeric Data Entry, Contact Management, Spreadsheet, Word Processing/Typing

Basic: Accounting, Presentation/PowerPoint

RESPONSIBILITY FOR WORK OF OTHERS

Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include but not limited to interviewing, hiring and training employees; planning, assigning and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems.

Supervises a small group (3-7) of employees, usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised, or closely related work, a portion of the time. Content of the work supervised is of non-technical nature, but presents numerous situations to which policies and precedents must be interpreted and applied.

WORKING CONDITIONS

Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

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

Moderate diversity, low physical. Work activities which allow for a moderate amount of diversity in the performance of tasks which are not as varied as those positions with high-level diversity and decision-making.

While performing the functions of this job, the employee is regularly required to stand, walk, sit, use hands to finger, handle, or feel, stoop, kneel, crouch, or crawl, talk or hear; frequently required to reach with hands and arms; and occasionally required to climb or balance. The employee must occasionally lift and/or move up to 50 pounds; frequently lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision; and color vision.

ADDITIONAL INFORMATION

-Three plus (3+) years working in a Bank environment gaining knowledge of general operations and experience in consumer lending required
-Must be registered with Nationwide Mortgage Licensing System
-Must have working experience in customer service and teamwork
-Must be able to develop relationships with branch managers and all bank employees
-Must be able to lead a team and manage difficult situations
-Must have knowledge of applicable federal laws and regulations, state laws and regulations, and bank policies and procedures
-Must have knowledge of regulatory and compliance issues
-Must have strong analytical, decision-making, and problem solving skills
-Must have the ability to look at situations from several points of view and determine a solution
-Must have the ability to balance multiple tasks and projects simultaneously within a limited time frame
-Must have excellent oral and written communication skills, and be attentive to details
-Must have strong organizational, interpersonal, communication, and customer relations skills

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)