Banking Center Manager/Loan Officer

EOE M/F/Vets/Disability Affirmative Action Employer

JOB SUMMARY: This position is responsible for developing new business, underwriting, structuring, and the closing of loans, as well as, maintaining and servicing an existing portfolio. Represents the bank in local community through active participation in community affairs and participates in marketing all of the banks products and services. This position oversees the management within the banking center (BC) and ensure that growth and profitability goals are met.

ESSENTIAL JOB FUNCTIONS:

• Clearly understand the banks growth and development goals and the key indicators that measure success. Support, communicate and reinforce these goals with team members.
• Establish and implement an ongoing program of growth and business development to meet production and profitability goals for the BC.
• Establish and implement the BC marketing plan that targets growth in loans, deposits and fee income.
• Establish and maintain a culture of Service Excellence.
• Educate BC team members about products and services.
• Develop and present an annual budget for the BC that supports growth and profitability.
• Ensure that proper expense controls are in place.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products & services.
• Develop and manage a personal loan portfolio:
  • Negotiate rates, fees, terms and a structure that mitigates risk and maximize profitability.
  • Present credits for approval to appropriate levels of authority.
  • Maintain credit quality and compliance.
• Supervise, coach and mentor other lenders as assigned, providing training and encouraging growth and development along with approving their request up to your individual authority.
• Be responsible and accountable for all past due and loan exceptions within the BC.
• Be responsible and accountable for the entire loan portfolio of BC to ensure early identification of problems loans.
• Be responsible and accountable that policy, procedure, compliance, and regulatory requirements are followed on all loan and deposit activities within the BC.
• Daily review and approve all overdrafts within assigned authority, including those overdrafts exceeding other officers authority within the BC.
• Participate in community organizations, events and activities to enhance the banks image and develop additional business and referral sources, encouraging BC team members to do the same.
• Maintain a professional and cohesive team atmosphere throughout the BC.
• Assist tellers with serving customers providing necessary approvals and overrides.
• Oversee FSRs and their job responsibilities, to include development, training and scheduling.
• Oversee all aspects of BC security and Business Continuity (COPE).
• Assist with maintaining exterior of building such as trash clean up, lawn care, watering, flag, by notifying Facilities Manager of any needs or issues.
• Help maintain the interior of building such as lighting, seasonal decorating, open house, & bank special promotions.
• Effectively work and cooperate with management, co-workers and customers.

MINIMUM QUALIFICATIONS FOR CONSIDERATION:

• Bachelor Degree in Finance or related field preferred.
• Experience in Financial Lending/Management or related area providing a working knowledge of financial lending and business management.
• Proficient computer skills including experience with Windows Applications, MS Office, especially Word and Excel, 10 key and typing.

KNOWLEDGE, SKILLS, AND ABILITIES:

• Ability to maintain a high degree of confidentiality.
• Strong verbal and written communication skills.
• Strong interpersonal skills: able to work well with a wide range of people.
• Strong coaching skills and ability to manage staff effectively.
• Strong organizational and time management skills.
• Demonstrate dependability through good attendance and adherence to timelines and schedules.
• Strong follow through on projects and deliverables.
• Strong analytical skills.
• Strong problem-solving skills.
• Demonstrate resourcefulness and ability to take initiative in development and completion of projects.
• Strong sense of customer service.
• Strong proficiency in pc applications.
• Able and willing to continue business and human resources knowledge development.

PHYSICAL REQUIREMENTS:

This work is sedentary and requires the following physical activities:

• Sitting for long periods of time; occasional bending, squatting, kneeling, stooping; good finger dexterity and feeling; frequent repetitive motions; talking, hearing, and visual acuity.
• Frequent lifting (up to 10 pounds of paper supplies or minor office equipment).
• Driving to client locations and other sites as needed.

WORKING CONDITIONS:

• Normal office environment.

SALARY:

• Negotiable based on experience

NOTE: The above statements are intended to describe the general nature and level of work performed by an employee in this position. These statements are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of employees in this position.