Branch Manager / Loan Officer

Job Summary:

We are seeking a dedicated and dynamic Community Branch Bank Manager to lead and manage our small community branch located in Redwater, Texas. Someone who is familiar to the Redwater area and/or willing to move to the area. This role is ideal for a driven individual with strong leadership skills, a passion for customer service, and a solid understanding of banking operations. The Branch Manager will be responsible for overseeing all branch activities, including staff management, branch operations, customer relations, and building and managing a robust loan portfolio. The ideal candidate will be proactive, detail-oriented, and skilled at cultivating strong relationships within the local community.

Key Responsibilities:

Branch Operations:

• Oversee the daily operations of the branch, ensuring efficient and effective service delivery.
• Manage branch staff, providing leadership, coaching, and performance management to ensure high levels of employee engagement and productivity.
• Ensure compliance with all regulatory requirements, policies, and procedures.
• Maintain operational standards for security, cash handling, and customer transactions.
• Drive branch profitability by managing expenses and maximizing revenue opportunities.

Loan Portfolio Management:

• Build, grow, and manage a diverse loan portfolio, focusing on consumer loans, small business loans, and home lending.
• Assess loan applications, ensuring proper underwriting and risk management while meeting customer needs.
• Establish and maintain relationships with current and potential borrowers, providing guidance throughout the loan process.
• Ensure timely follow-up on loan delinquencies, collections, and renewals.
• Develop and implement strategies to increase loan volume and expand the portfolio while minimizing risk.

Customer Relationship Management:

• Foster strong relationships with customers, ensuring exceptional service and satisfaction.
• Act as the primary point of contact for any customer inquiries, concerns, or issues.
• Identify opportunities to cross-sell bank products and services that align with customer needs, including savings accounts, credit cards, and financial planning services.
• Build partnerships within the local community to enhance the bank’s presence and reputation.

Sales & Business Development:

• Actively seek out new business opportunities through networking, referrals, and community involvement.
• Promote and increase the branch’s visibility in the community through events, sponsorships, and partnerships.
• Drive sales goals for both deposit and loan products, meeting or exceeding monthly, quarterly, and annual targets.

Reporting & Financial Performance:

• Monitor and report on branch performance metrics, including loan growth, deposit activity, and customer satisfaction.
• Prepare regular reports for upper management on branch operations, financial performance, and progress towards business objectives.
• Ensure that all branch financial goals are met and maintain a strong financial position for the branch.

Qualifications:

• Education: Bachelor’s degree in Business Administration, Finance, Accounting, or related field (preferred).
• Experience: At least 5 years of experience in banking, with a minimum of 2 years in a managerial or leadership role. Experience in loan origination and portfolio management is highly preferred.

Skills:

• Strong knowledge of banking operations, loan products, and financial regulations.
• Excellent leadership, coaching, and team-building skills.
• Ability to analyze financial data and make sound business decisions.
• Exceptional communication and interpersonal skills.
• Proven sales and business development experience.
• Strong problem-solving skills and attention to detail.

Working Conditions:

• Full-time, in-office position with occasional evening or weekend hours as needed.
• The role may require occasional travel for community outreach and business development activities.

Job Type: Full-time

Pay: From $60,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Health insurance
• Life insurance
• Paid time off
• Retirement plan

Compensation Package:

• Bonus opportunities

Schedule:

• 8 hour shift
• Monday to Friday

Work Location: In person

Salary : $60,000