Oversee the operations of bank branch with deposit and loan customers. Manage and lead team. Assist and advise individuals and businesses on a variety of products and services, including secured and unsecured loans. Maintain knowledge, communicate, and comply with all BSA and bank policies and procedures. Responsible for the performance of, but not limited to, the duties list below: 

Main Duties and Responsibilities

· Manage employees and lead day-to-day responsibilities

· Assist with customer service to ensure overall satisfaction; handle customer problems and complaints; counsel customers with special financial needs and requests

· Assist potential borrowers with completion of applications for installment loans and lines of credit; review submitted applications for accuracy and requirements; request additional information or detail as needed

· Responsible for the initial loan screening process and approving loans within approved limits; provide evaluation of potential borrower loan request(s) and make recommendations to Market President and/or Loan Committee when loan amounts exceed approved lending limits

· Communicate lending decisions to customers; follow rejection process and procedure when an applicant is denied

· Responsible for funding loans and dispensing proceeds

· Responsible for loan document review for signature and completeness; maintain notes and credit and lending records and files

· Develop and maintain customer relationships to become their primary financial consultant and assist customers in reaching their financial goals

· Maintain knowledge of bank products and services and be able to communicate their features and benefits and make recommendations; assist in opening new accounts; sell ancillary services when applicable

· Monitor NSFs and close repeat overdraft accounts

· Assist with branch audits

· Responsible for preparing and distributing branch reports to the Board

· Coordinate with various departments (Operations, Loan Operations, Compliance, Security, Accounting, other branches, etc.), as needed, in maintaining the proper operation of the branch and servicing customers 

· Stay updated on all policy, regulatory, and procedural changes

· Coach and train staff; lead team meetings as necessary

· Generate income through assigning appropriate rates, terms, and fees to loans 

Qualifications (all required unless otherwise specified)

Skills

· Advanced verbal and written communication skills

· Advanced interpersonal, customer service, and sales skills

· Proficient computer skills

· Thorough knowledge and understanding of lending products, banking industry rules and regulations, and the required documentation for obtaining a loan.

Behaviors

· Detail Oriented: Thorough, observant, and accurate

· Active Listener: Listen to understand, focus, and respond thoughtfully

· Trustworthiness: Honest, ethical, and transparent

· Accountability: Responsive, self-aware, and willing to take responsibility

· Professionalism: Present oneself and communicate with competency and respect

· Sound Judgment: Make thoughtful and well-reasoned decisions

· Stress Tolerant: Ability to manage stress and reactions

· Organization: Time management and prioritization

· Team Management: Effective delegation and task coordination

· Handling Conflict: Recognition of issues and emotions and navigating towards a resolution

· Mentorship and Development: Coaching team members and leading by example

Experience

· 2 years+ supervisory experience 

· 2 years+ customer service experience and/or sales experience 

· 1 year+ lending experience; already licensed, or able to be licensed, through the Nationwide Multistate Licensing System and Registry (NMLS)