Manages the lending, retail and operations of the branch office. Provides assistance to new and established financial institution customers, including cross selling of products and services. Responsible for the management and oversight of the branch loan portfolio, underwriting, lending compliance, quality assurance, collateral tracking and adherence to policies and procedures. Assists in providing quality loans for the financial institution by underwriting and evaluating loan applications, preparing, reviewing closing documents and closing qualified loans in a timely manner.
Major Duties & Responsibilities:
Manage all areas of the day-to-day activity of a branch.
Represent the branch to customers and the public in various community activities and organizations; market the institution’s products and services.
Meets and follows-up with applicants and secures the necessary information to underwrite the loan, conduct site visits if needed.
Participates in the Bank’s business development calling program.
Prepares decision package and presents loan requests to loan committee.
Look for opportunities to cross-sell banking products and services through interactions with customers while performing transactions or discussing services.
Responsible for a lending portfolio consisting of consumer, residential and commercial real estate and construction loans.
Expertise in loan products and services as well as regulatory guidelines. Ability to acquire, manage and communicate changing product information for all loan products.
Analyze, underwrite, prepare closing documents and close a variety of loan types, including but not limited to commercial loans, consumer loans and residential mortgages (construction, first and second mortgages).
Prepare underwriting and closing package for sale into the secondary market, ensuring compliance with all applicable secondary market standards.
Contact customers regarding delinquent accounts and pursuing collection of delinquent accounts if necessary. Conduct, in consultation with the President, all necessary collection or correction actions, as required.
Oversees the hiring, training, development and performance reviews of branch staff.
Ability to inform, educate and influence branch staff to support corporate goals and objectives. Talent for thinking strategically and acting as a facilitator.
Serves on Loan Committee and ALCO Committee.
Assist in coverage of personal banker area, including but not limited to; opening accounts, account maintenance, etc.
Other duties as assigned.
Competencies:
Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.
Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.
Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.
Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.
The ability to express thoughts and ideas in a clear and concise manner to a variety of audiences.
Project a positive image of the Bank to all current and potential customers.
Represent the Bank in a positive way in the community through volunteer opportunities and recognizing potential opportunities for the Bank.
Must understand the role of sales and customer service in a community bank environment.
Must be able to discover customer needs and be able to obtain new customer accounts, both loans and deposit accounts.
Education and Experience:
Bachelor’s degree in business or finance and three to five years of related experience.
Extensive knowledge of the institution’s policies, procedures, products and services.
Strong computer skills; ability to operate standard office equipment.
Excellent communication and human resources skills, as well as strong business development skills and experience.
Excellent attention to detail and ability to multi-task.
Strong public relation skills and membership in outside organizations.
From the beginning, we’ve been focused on helping members of our community thrive. Simply being your bank isn’t good enough. We want to be who you turn to when you need financing or when the club or organization you belong to needs to raise funds.
We are 100 percent local; our staff is made up of your family, friends and neighbors. This means we understand good things in life and the challenges you face, and we’re here to help any way we can.
