Branch Manager- Lake Norden

Bankstar Financial•Brookings Township, SD

26d•Onsite

About The Position

The Branch Manager leads the operations, performance, and growth of the Lake Norden branch, providing strategic direction and hands-on management of staff, customer relationships, and financial results. The position oversees retail banking and lending functions, originates and manages multiple loan types, and ensures sound credit decisions and compliance with bank policies. The Branch Manager drives business development, develops employees, represents the bank in the community, and supports the organization’s goals, mission, and values. This role oversees the daily operations of a full-service branch, including retail banking, teller services, deposit operations, and consumer lending. It shares accountability with the Market President for budgets, sales goals, financial results, customer satisfaction, and minimizing operational losses. The Branch Manager also manages lending activities and portfolios, makes credit decisions within assigned authority, and presents or recommends loans to the credit committee as appropriate. The position supervises Lake Norden bank employees, recruits and participates in hiring, establishes performance standards, conducts evaluations, and develops staff. It maintains customer relationships, promotes a positive service culture, supports community and business development, and ensures compliance with applicable banking regulations and internal policies. Travel is as needed. The core schedule is Monday through Friday.

Requirements

Bachelor’s degree in business, finance, or a related field, or equivalent.
At least 3 years of experience in loan operations, loan processing, or a related banking function, or an equivalent combination of education and experience.
Effective verbal and written communication skills.
Ability to collaborate across departments and build strong relationships with staff, customers, and vendors.
Strong customer-service skills.
Ability to work collaboratively and contribute to team success, including within a small team or with external partners.
Planning, organization, problem-solving, and decision-making skills; ability to complete tasks accurately, prioritize work, and adapt to changing demands with minimal supervision.
Adaptability and a positive attitude toward new ideas, processes, and procedures.
Accountability, reliability, and ability to make independent decisions.
Critical-thinking skills, including evaluating information and using sound judgment to develop or recommend solutions.
Proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.

Responsibilities

Work with Human Resources to recruit and attract qualified candidates and participate in hiring and selection.
Set performance standards, conduct regular performance evaluations, and manage compensation in conjunction with Human Resources and the bank’s salary administration program.
Provide leadership and direction for the Lake Norden branch and oversee efficient daily operations.
Oversee retail banking functions, including teller services, deposit operations, and consumer lending; delegate responsibilities and manage staff performance.
Establish branch goals aligned with the bank’s strategic objectives and collaborate with the Market President on annual budgets, sales goals, and performance targets.
Share accountability for financial results, customer satisfaction, and minimizing operational losses.
Lead business development by calling on customers, prospecting for new relationships, strengthening existing relationships, and supporting in-branch sales initiatives, campaigns, and community involvement.
Originate, analyze, underwrite, and service agricultural, commercial, and consumer loans.
Interview loan applicants, assess financial needs, evaluate creditworthiness and risk, verify application information, and establish appropriate loan terms consistent with bank policies and guidelines.
Refer customers to the residential mortgage department when appropriate.
Make credit decisions within assigned lending authority and present or recommend loans to the credit committee as appropriate.
Negotiate loan terms, oversee loan participations with other creditors, and ensure timely and accurate loan disbursement.
Manage the loan portfolio by maintaining current credit files, monitoring loan performance, and ensuring compliance with lending policies and objectives.
Conduct financial analysis, review operating statements, and perform on-site visits to assess collateral, borrower operations, and management capability.
Review customers’ financial needs and recommend appropriate loan and banking solutions; provide high-quality service and ongoing relationship support.
Lead, coach, and develop staff, ensuring training in customer service, sales, operations, and bank products and services.
Foster teamwork, employee morale, accountability, and exceptional service quality.
Promote the bank’s core values, mission, and purpose, and cultivate a positive work environment and strong service culture.
Collaborate with department leaders to support alignment, communication, and operational success.
Participate in community and business development activities to enhance the bank’s reputation, identify prospects, and strengthen community relationships.
Ensure compliance with applicable regulations, including Community Reinvestment Act requirements.
Complete required training in a timely manner.
Ensure activities comply with applicable federal and state regulations, including TILA, RESPA, ECOA, and other relevant lending laws.
Adhere to BSA, AML, and CIP requirements as applicable to the role.
Maintain confidentiality of customer information and follow privacy and security guidelines.
Follow internal policies, procedures, and secondary market guidelines for loan processing and documentation.