What are the responsibilities and job description for the Branch Manager position at Community State Bank?
Branch Manager – Job Description
- Manages overall branch operation and profitability.
- Has responsibility for training of personnel; reviewing and evaluating performance; and recommending salary adjustments, promotions, discharges and other personnel-related actions.
- Represents the financial institution to the community through good customer and public relations activities and community affairs.
- Establishes and helps to attain internal performance objectives for branch office business volume, deposits, loan portfolios and quality of audit reports.
- Directs financial institution personnel in activities to ensure prompt, accurate and dependable customer service.
- Opens and closes the branch; maintains and stays abreast of security policies and procedures.
- Supervises vault operations and procedures.
- Maintains knowledge of bank policies and procedures with respect to approving checks and overrides.
- Handles customer problems and complaints; counsels customers with special needs and requests.
- Ensures financial institution compliance with the Community Reinvestment Act and Equal Employment Opportunity regulations.
- Provides and maintains a professional business-like atmosphere within the branch office.
- Fulfill responsibilities under the Bank Secrecy Act and Anti-Money Laundering regulations. This includes identifying customers properly, initiating CTRs and SARs investigations as needed, utilizing OFAC records and maintaining appropriate records.
- Adheres to Bank’s policies and procedures and all Federal and State laws and regulations.
Due to the size of the institution the Branch Manager is an active loan officer and will have daily loan officer duties as well as those listed above.
Job purpose of Loan officer is to evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and methods of payments. Includes mortgage loan officers and agents, collection analysts, loan servicing officers, and loan underwriters.
Key duties of Loan officer:
- Review and update credit and loan files.
- Review loan agreements to ensure that they are complete and accurate according to policy.
- Compute payment schedules.
- Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans. Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
- Stay abreast of new types of loans and other financial services and products to better meet customers’ needs.
- Submit applications to credit analysts for verification and recommendation.
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
Education and Experience:
- Bachelor’s degree or a minimum of 15 years Banking experience
- Good Management and human resource skills
- Extensive background in financial institution operating policies and procedures, banking regulations (state and federal).
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