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. Generally, branch size is less than $30mm in deposits. The Branch Lending and Operations Manager I is responsible for processing loan data and credit information, analyzing, evaluating credit-worthiness, and setting payment terms.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Responsible for observing and assisting with overall operations at branch locations. This duty is performed daily.
Analyzing effectiveness and efficiency of branch operations. This duty is performed daily, about 10% of the time.
Ensuring customer satisfaction with bank products and services. This duty is performed daily, about 10% of the time.
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.
Calls on potential customers and introduce the Bank's products and services. This duty is performed weekly, about 5% of the time.
Visits with existing customers to obtain potential business referrals. This duty is performed weekly, about 5% of the time.
Works with customers to determine mutually acceptable and beneficial lending arrangements. This duty is performed weekly, about 5% of the time.
Works with customers regarding resolutions of complaints and/or problems. This duty is performed weekly, about 5% of the time.
Develops new product recommendations to generate additional business. This duty is performed weekly, about 5% of the time.
Develops and maintains business relationships with customers. This duty is performed weekly, about 10% of the time.
Communicates with existing customers regarding their deposits to determine if they have additional needs. This duty is performed weekly, about 5% of the time.
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.
Resolves complaints and/or problems. This duty is performed as needed.
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.
Originates and manages consumer and light commercial portfolios. This duty is performed weekly, about 5% of the time.
Ensures lending operations are conducted in accordance with established policies and procedures and are legally compliant. This duty is performed as needed.
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.
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.
Completes required BSA/AML training and other compliance training as assigned. This duty is performed daily.
The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.
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 specificskill 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
