Branch Lending Operations Manager III

GENERAL DESCRIPTION OF POSITION

The Branch Lending and Operations Manager III 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 $90 mm in deposits. The Branch Lending and Operations Manager III is responsible for processing loan data and credit information analyzing evaluating creditworthiness and setting payment terms.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Responsible for observing and assisting with overall operations at branch locations. This duty is performed daily.

2. Analyzing effectiveness and efficiency of branch operations. This duty is performed daily about 10 of the time.

3. Ensuring customer satisfaction with bank products and services. This duty is performed daily about 10 of the time.

4. Observes and assists 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.

5. Calls on potential customers and introduce the Banks products and services. This duty is performed weekly about 5 of the time.

6. Visits with existing customers to obtain potential business referrals. This duty is performed weekly about 5 of the time.

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

8. Works with customers regarding resolutions of complaints and/or problems. This duty is performed weekly about 5 of the time.

9. Develops new product recommendations to generate additional business. This duty is performed weekly about 5 of the time.

10. Develops and maintains business relationships with customers. This duty is performed weekly about 10 of the time.

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

12. Originates 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.

13. Resolves complaints and/or problems. This duty is performed as needed.

14. Works 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.

15. Originates and manages consumer and light commercial portfolios. This duty is performed weekly about 5 of the time.

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

17. Evaluates 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.

18. Approves 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.

19. May be required to work an alternative location within the region or market. This duty is performed as needed.

20. The ability to work in a constant state of alertness and in a safe manner. This duty is performed daily.

21. Completes required BSA/AML training and other compliance training as assigned. This duty is performed quarterly.

22. 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 9 to 10 years related experience and/or training and 2 years 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 persontoperson 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: 10Key

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 organizations 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 moderate size group 815 of employees but possibly smaller if difficult semitechnical work requiring considerable direction and assistance is involved. Plans directs and coordinates work makes decisions and performs personally the more difficult aspects of the same broad assignment.

Supervises the following departments: Not indicated.

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.

The noise level in the work environment is usually moderate.

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 low physical. Work activities which allow for a moderate amount of diversity in the performance of tasks which are not as varied as those positions with highlevel diversity and decisionmaking.

While performing the functions of this job the employee is regularly required to stand walk sit use hands to finger handle or feel stoop kneel crouch or crawl talk or hear; frequently required to reach with hands and arms; and occasionally required to climb or balance. The employee must occasionally lift and/or move up to 50 pounds; frequently lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision; and color vision.

ADDITIONAL INFORMATION

Nine plus 9 years working in a Bank environment gaining knowledge of general operations and experience in consumer lending required
Must be registered with Nationwide Mortgage Licensing System
Must have working experience in customer service and teamwork
Must be able to develop relationships with branch managers and all bank employees
Must be able to lead a team and manage difficult situations
Must have knowledge of applicable federal laws and regulations state laws and regulations and bank policies and procedures
Must have knowledge of regulatory and compliance issues
Must have strong analytical decisionmaking and problem solving skills
Must have the ability to look at situations from several points of view and determine a solution
Must have the ability to balance multiple tasks and projects simultaneously within a limited time frame
Must have excellent oral and written communication skills and be attentive to details
Must have strong organizational interpersonal communication and customer relations skills
May be required to work an alternative location within the region or market

Required Experience:

Manager