Branch Lending & Operations Manager III

Centennial Bank•Rockwall, TX

42d

About The 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 credit-worthiness, 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 Bank's 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.

Requirements

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.
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 person-to-person 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.
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.
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.
Registered with Nationwide Mortgage Licensing System
Advanced: 10-Key
Intermediate: Alphanumeric Data Entry, Contact Management, Spreadsheet, Word Processing/Typing
Basic: Accounting, Presentation/PowerPoint
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, decision-making, 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

Responsibilities

Responsible for observing and assisting with overall operations at branch locations.
Analyzing effectiveness and efficiency of branch operations.
Ensuring customer satisfaction with bank products and services.
Observes and assists all branch employees with daily activities to ensure compliance with Federal and Bank regulations, policies and procedures.
Calls on potential customers and introduce the Bank's products and services.
Visits with existing customers to obtain potential business referrals.
Works with customers to determine mutually acceptable and beneficial lending arrangements.
Works with customers regarding resolutions of complaints and/or problems.
Develops new product recommendations to generate additional business.
Develops and maintains business relationships with customers.
Communicates with existing customers regarding their deposits to determine if they have additional needs.
Originates consumer loans: Interviews, receives loan applicants, gathers information and processes preliminary documents on loan requests.
Resolves complaints and/or problems.
Works with the Regional Team in resolving personnel issues such as interviewing, assisting with hiring branch staff and helping to determine staffing needs.
Originates and manages consumer and light commercial portfolios.
Ensures lending operations are conducted in accordance with established policies and procedures and are legally compliant.
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.
May be required to work an alternative location within the region or market.
The ability to work in a constant state of alertness and in a safe manner.
Completes required BSA/AML training and other compliance training as assigned.
Perform any other related duties as required or assigned.