VP Universal Banker

Legacy Bank•Farmington, AR

About The Position

The Universal Banker is a hybrid role combining day-to-day leadership of a banking center with junior-lender responsibilities. The position is accountable for outstanding customer service, deposit growth, strong branch operations and controls, staff coaching, and originating and servicing consumer and small business loans within established authority limits. The Universal Banker works with a high level of independence and partners closely with Retail Operations and the Lending team to support consistent execution of the bank’s culture, policies, and risk standards. The position reports to Retail leadership, with a dotted-line reporting relationship to Lending leadership.

Requirements

High school diploma or GED equivalent.
At least 7 years of progressive banking experience in retail banking or lending.
Prior management experience.
Knowledge of consumer and small business loan fundamentals.

Nice To Haves

Bachelor’s degree in finance, accounting, business, or a related area.
Prior consumer lending experience and exposure to small business lending or underwriting.
Prior branch management or assistant branch manager experience.

Responsibilities

Embrace the Legacy Culture and provide outstanding service to internal and external customers.
Oversee daily banking center operations, including teller and new account services, workflow coverage, scheduling, and customer issue resolution.
Maintain operational controls and follow security procedures.
Maintain knowledge of daily operations, including ATM/dispenser, vault, and teller balancing processes, and work or balance a teller drawer when needed.
Work with internal auditing staff to facilitate internal audits.
Partner with Facilities/Operations to maintain banking center premises, appearance, and readiness for customers and staff.
Work with consumer and small business loan applicants to originate profitable, policy-conforming loans within the bank’s desired markets and loan types.
Develop underwriting fundamentals and collateral knowledge, and collaborate with senior lenders on complex requests.
Service assigned loan relationships and support portfolio management, including past-due management and exception tracking consistent with bank goals.
Seek consumer and small business loan opportunities through calling efforts, referrals, community involvement, and other business development activities.
Follow bank policies and procedures, including BSA/AML, OFAC, CIP, privacy, fair lending/UDAAP, information security, and internal controls; escalate concerns appropriately.
Provide day-to-day leadership for banking center staff, including coaching, training, scheduling, and performance feedback and evaluations.
Perform other duties as assigned.