Branch Lending And Operations Manager I

Branch Lending and 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 $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 include:

• Observing and assisting with overall operations at branch locations
• Analyzing effectiveness and efficiency of branch operations
• 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
• Working with customers regarding resolutions of 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: interviewing, receiving loan applicants, gathering information and processing preliminary documents on loan requests
• Resolving complaints and/or problems
• 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
• Completing required BSA/AML training and other compliance training as assigned
• The ability to work in a constant state of alertness and in a safe manner
• Perform any other related duties as required or assigned

Qualifications to perform this job successfully include:

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

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.

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