Branch Manager I​/Loan Officer

The Branch Manager I oversees the operation of the branch including managing resources and staff, delivering customer service and growing the location's revenues. They are also responsible for continually identifying, developing and maintaining a quality network of business and other relationships that serve as a recurring source of referrals for new lending opportunities.

• Leads, coaches and mentors branch staff to ensure service excellence and operational efficiency.
• Builds and maintains strong relationships with customers, local businesses, community organizations and other stakeholders to enhance the bank's presence and reputation in the community.
• Monitors branch performance metrics, such as deposit growth and loan volume, and takes proactive measures to address areas of improvement.
• Ensures compliance with banking regulations, policies and procedures and adheres to risk management and security protocols.
• Oversees the branch's operational activities, including cash management, transaction processing and security procedures, to maintain a safe and efficient work environment.
• Conducts regular staff meetings, performance reviews and training sessions.
• Originates, underwrites and processes consumer and business loans in accordance with bank policies, underwriting guidelines and regulatory requirements.
• Conducts thorough credit analyses of loan applications, including financial statements, tax returns, credit reports and collateral documentation, to assess creditworthiness and repayment capacity.
• Structures loan transactions and presents recommendations to management for approval, ensuring alignment with risk tolerance and credit policies.
• Provides exceptional customer service throughout the loan origination process, guiding customers through application, documentation and closing procedures with professionalism and responsiveness.
• Monitors loan portfolio performance, including delinquencies, defaults and credit quality trends, and takes proactive measures to mitigate risk and minimize losses.
• Builds and maintains relationships with realtors, builders, attorneys and other referral sources to generate leads and expand the bank’s portfolio.
• Maintains a professional relationship with internal customers; demonstrates strong interpersonal skills with the ability to work independently, as well as motivate to work as a team player to contribute to the success of the organization.
• Works cooperatively with Audit to conduct internal Branch audits.
• Fosters a positive work environment and promotes employee engagement and satisfaction.
• Completes annual required training within communicated time frames.
• Assumes additional responsibilities as needed.

Pay is commensurate with relevant experience.

• Bachelor's degree in Business Administration or related field preferred.
• Minimum of 3 years of Loan Officer and 5 years of banking experience preferred.
• Strong leadership, communication and interpersonal skills, with ability to motivate and inspire a team to achieve common goals.
• Excellent ability to define problems, collect data, establish facts, draw objective conclusions and interpret government regulations and legal documents.
• Ability to maintain confidentiality; handle sensitive information with discretion.
• Advanced knowledge of Microsoft Office (Word, Excel & Outlook) as well as lending software and core system.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Office Setting.
• Adequate vision for significant amount of computer work.
• Required to stand, walk and sit; talk and hear (both in person and by telephone); repetitive use of hands and fingers to handle or feel objects or controls; reach with hands and arms.
• Occasional lifting.