Branch Lending and Operations Manager I

Happy State Bank - a division of Centennial Bank • Amarillo, TX • 3d ago

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. Generally, branch size is less than $30 mm 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.

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

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

Observe and assist 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.

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

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

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

Resolve customers complaints and/or problems. This duty is performed weekly, about 5% of the time.

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

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

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

Originate 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.

Work 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.

Originate and manage consumer and light commercial portfolios. This duty is performed weekly, about 5% of the time.

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

Evaluate 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.

Approve 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.

May be required to work an alternative location within the region or market. 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.

Completes required BSA/AML training and other compliance training as assigned.

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 polici

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