Branch Lending & Operations Manager

Branch Lending & Operations Manager I

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 include:

• Observing and assisting with overall operations at branch locations.
• Ensuring customer satisfaction with bank products and services.
• Observing and assisting all branch employees with daily activities to ensure compliance with Federal and Bank regulations, policies and procedures.
• Calling on potential customers and introducing the Bank's products and services.
• Visiting with existing customers to obtain potential business referrals.
• Working with customers to determine mutually acceptable and beneficial lending arrangements.
• Resolving customer's complaints and/or problems.
• Developing new product recommendations to generate additional business.
• Developing and maintaining business relationships with customers.
• Communicating with existing customers regarding their deposits to determine if they have additional needs.
• Originating consumer loans:
  Interviews, receives loan applicants, gathers information and processes preliminary documents on loan requests.
• Working with the Regional Team in resolving personnel issues such as interviewing, assisting with hiring branch staff and helping to determine staffing needs.
• Originating and managing consumer and light commercial portfolios.
• Ensuring lending operations are conducted in accordance with established policies and procedures and are legally compliant.
• Evaluating and verifying loan applications and credit criteria, including computing debt ratios, verifying employment and income. Approving loans within limits of authority and notifying applicants of loan decisions. Requesting additional information if required.
• May be required to work an alternative location within the region or market.
• The ability to work in a constant state of alertness and in a safe manner.
• Completing required BSA/AML training and other compliance training as assigned.
• Performing 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;…