Commercial Branch Manager I

Love Where You Work • Riverton, UT

19h

About The Position

Responsible for receiving, reviewing, and evaluating commercial loan requests. Meets with applicants to explain credit policies and to obtain loan information and documentation. (See Commercial Loan Officer Job Description for full position purpose as a commercial loan officer). Responsible for directing and administering the operational efforts of the Branch. Ensures that established policies and procedures are followed. Oversees provision of a full range of services to members and prospective members. Ensures that members are promptly and professionally served. Trains, directs, and supervises Branch staff. ESSENTIAL FUNCTIONS AND BASIC DUTIES 1. Assumes responsibility for the effective and professional completion of assigned business loan functions. Effective and Efficient performance of Branch Operations. a. Interviews, takes applications, and processes preliminary documentation on business loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from members. b. Analyzes and evaluates loan requests and prepares written submission for consideration by the Commercial Loan Committee. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems. c. Assists in review of construction loan advances on commercial properties. d. Conducts property inspections as assigned. e. Follows-up on all matured loans. f. Assists in the collection of delinquent accounts. g. Supervise Branch operations h. Completes lending functions in accordance with established Credit Union policies and legal requirements. 2. Assumes responsibility for establishing and maintaining effective and professional business relations with members, trade professionals and Branch relations. a. Answers questions and resolves requests. b. Keeps borrowers informed of Credit Union loan policies and services. c.Continually seeks ways to improve Branch operations, productivity and to meet established goals. d. Maintains and projects the Credit Union's professional reputation. 3. Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management. a. Coordinates functions with related departments and branches and provides support as needed. b. Assists Commercial department personnel and provides support as needed. c. Keeps management informed of area activities and of any significant problems. d. Attends and participates in meetings and committees as required. Serves as a member of the Commercial Loan Committee. e. Completes required reports and records. 4. Assumes responsibility for related duties as required or assigned. a. Cross-sells Credit Union services. b. Stays informed regarding changes in lending standards and related legal requirements. c. Completes special projects as assigned. d. Ensures that work area is clean, secure, and well maintained. e. Works a regular and predictable schedule.

Requirements

• Bachelors degree in business or a related field, or an equivalent combination of training and work experience.
• Knowledge of Credit Union lending and collections programs, policies, and procedures.
• Familiarity with property management and maintenance procedures.
• Understanding of financial analysis and determination of credit worthiness.
• Three to five years of lending experience.
• Excellent communication and public relations skills.
• Strong analytical abilities.
• Solid interviewing skills.
• Ability to operate related computer applications and related business systems.
• Well organized with good attention to detail
• AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary information.
• REPETITIVE MOTION: Movements frequently and regularly required using the wrists, hands, and/or fingers.
• AVERAGE VISUAL ABILITIES: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.
• PHYSICAL STRENGTH: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally.
• Ability to compute discount, interest, profit, and loss; commission markup and selling price; ratio and proportion and percentage. Able to perform very simple algebra.
• Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias. Ability to prepare memos, reports, and essays using proper punctuation, spelling, and grammar. Ability to communicate distinctly with appropriate pauses and emphasis; correct pronunciation (or sign equivalent) and variation in word order; using present, perfect, and future tenses.

Nice To Haves

• Commercial Lending experience preferred.
• Real estate and origination background preferred.
• At least five years of management experience is preferred
• Capable of producing between $1M-$5M annually in new and refinanced commercial loans.

Responsibilities

• Assumes responsibility for the effective and professional completion of assigned business loan functions.
• Assumes responsibility for establishing and maintaining effective and professional business relations with members, trade professionals and Branch relations.
• Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Credit Union personnel and with management.
• Assumes responsibility for related duties as required or assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager