Branch Operations & Development Representative

About the position

The Branch Operations and Development Representative processes a wide range of financial transactions for customers, sells negotiable instruments, cross-sells Bank products, and suggests possible services. This position answers questions, builds relationships with customers, and handles all preparations for customers to begin receiving services.

Responsibilities

• Provides services to consumers and business accounts, including assessing customer needs and cross-sells appropriate products and services.
• Opens accounts including checking, savings, CDs, IRAs, and other products offered by the bank.
• Prepares new loan requests to submit to loan processing.
• Orders supporting documentation and ensures its arrival.
• Processes draw requests, loan payments, and transfers.
• Prepares loan package for shipping and booking.
• Performs loan origination, portfolio management, and processing.
• Tracks and monitors all required documents and packets.
• Closes and funds loans when required.
• Reviews completed LOM for accuracy and submits to loan operations.
• Participates in clearing collateral and credit exceptions.
• Reviews and verifies loan files are complete and meets established standards.
• Pulls maturity and past-due reports.
• Refers new business to company subsidiaries, such as insurance, mortgage, and brokerage.
• Connects with referrals made by other team members.
• Accompanies commercial lenders on calls to build and retain customer relationships.
• Resolves customer concerns and ensures effective long-term problem resolution.
• Provides ancillary services such as notary services.
• Responds to customer inquiries relating to products, rates, and services promptly and professionally.
• Supports and contributes to the attainment of branch goals.
• Maintains a positive, friendly, and professional attitude and appearance.
• Represents the Bank by attending, volunteering and participating in community, and networking events.
• 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.

Requirements

• Knowledge of a specialized field such as basic accounting, computer skills.
• Equivalent of four years in high school, plus specialized training equal to two years of college.
• 12 to 18 months related experience and/or training, or equivalent combination of education and experience.
• Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions.
• Ability to write routine reports and correspondence.
• Ability to effectively communicate information and respond to questions in person-to-person and small group situations.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Intermediate skills in 10-Key, Accounting, Spreadsheet, Word Processing/Typing.
• Basic skills in Alphanumeric Data Entry, Contact Management, Database.

Nice-to-haves

• One (1) year of loan documentation experience preferred.
• Knowledge of consumer and commercial loan applications (DecisionPro and nCino).
• Good understanding of financial institution products and services.
• Excellent proof-reading skills and attention to detail.
• Strong team player.
• Basic computer proficiency.