Branch Lending Manager

State Bank of Southern Utah•Santa Clara, UT

About The Position

The Branch Lending Manager leads a lending team, grows a quality loan portfolio, and supports the community served by the branch. The manager coaches and develops lending personnel, builds trusted relationships that create business opportunities, guides lending strategy, evaluates loan requests, coordinates loan closings, and helps borrowers achieve their business goals. Working closely with branch leadership, the manager drives results while maintaining a positive and involved community presence. The role implements branch lending strategies aligned with loan-production goals and the Bank’s broader strategic plan. It partners with the Branch Operations Manager on branch priorities, personnel needs, customer service, and community involvement, while following the Bank’s credit policies, operating procedures, risk-management practices, and regulatory requirements. The manager also fosters a culture of service, ethical decision-making, collaboration, and shared accountability. Alongside team leadership, the Branch Lending Manager actively develops and manages a high-quality small-business and other loan portfolio; prospects for business; analyzes, recommends, and makes lending decisions within assigned authority; originates construction, consumer, and commercial loans; and coordinates loan closings. The position builds relationships with customers, business owners, professionals, and referral partners, provides responsive service, and connects borrowers with technical assistance when appropriate. Community involvement is an important aspect of the position. The manager is expected to live in or near the branch’s community, understand the local market, maintain an active and constructive community presence, participate in local organizations and events, represent the Bank positively, and identify meaningful ways for the Bank and its employees to contribute.

Requirements

Bachelor’s degree in business or a related field.
Demonstrated ability and initiative to develop a quality small-business loan portfolio that provides excellent borrower service and builds profitable relationships for the Bank.
Strong supervisory, coaching, and employee-development skills.
Ability to lead independently, establish priorities, and achieve goals with limited supervision.
Genuine desire to be active in the community and represent the Bank well.
Ability to communicate clearly and professionally in person, in writing, and by phone.
Ability to read and understand lending and legal documents.
Strong computer skills, including proficiency with Microsoft Excel and Word.
Ability to live in or near the community in which the branch is located.
Ability to successfully complete required credit and background checks.

Nice To Haves

Knowledge of the St. George and Washington County market.
Progressively responsible experience across multiple loan types.
Record of profitably managing a high-quality loan portfolio.
Demonstrated success prospecting, generating leads, closing business, and consistently meeting or exceeding production goals.
Established and verifiable referral network that includes business owners, professionals, and other centers of influence.
Strong knowledge of loan documentation, credit analysis, applicable laws and regulations, and systems used to prepare loan analyses.

Responsibilities

Implement branch lending strategies that support loan-production goals and the Bank’s broader strategic plan.
Partner with the Branch Operations Manager on branch-wide priorities, personnel needs, customer service, and community involvement.
Follow the Bank’s credit policies, operating procedures, risk-management practices, and regulatory requirements.
Foster a culture of service, ethical decision-making, collaboration, and shared accountability.
Coach and develop lending personnel.
Develop, maintain, and profitably manage a high-quality portfolio of small-business and other loans.
Build a network of business owners, professionals, and referral partners that generates recurring lending opportunities.
Prospect for new business, pursue appropriate markets, and help the branch achieve established loan-volume goals.
Analyze loan requests and prepare written evaluations and recommendations.
Approve or decline loan applications within assigned lending authority.
Coordinate loan closings and help ensure documents are properly prepared and executed.
Originate construction, consumer, and commercial loans.
Stay current on deposit products and business and consumer lending solutions.
Meet with current and prospective customers, resolve concerns, and provide responsive, professional service.
Connect borrowers with appropriate technical assistance to strengthen their operations and future business plans.
Maintain an active, visible, and constructive presence in the community.
Participate in community organizations, activities, and events.
Build trusted relationships with customers, business leaders, professionals, and other centers of influence.
Promote the branch and its products in a way that reflects positively on the Bank.
Identify opportunities for the Bank and its employees to contribute meaningfully to the community.
Maintain a profitable, well-managed, high-quality loan portfolio and meet branch lending goals while maintaining sound credit and risk-management practices.
Work effectively with branch operations and leaders across the Bank.