POSITION PURPOSEResponsible 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 customers and prospective customers. Ensures that customers are promptly and professionally served. Trains, directs, and supervises branch staff. Ensures quotas of branch transactions, loan volumes, expenses, and profitability are in line with Bank standards. Responsible for receiving, reviewing, and evaluating commercial loan requests. Meets with applicants to explain credit policies and to obtain loan information and documentation. Monitors and reviews construction and development loans. Maintains repossessed properties and assists in collections' activities. Serves borrowers and prospective borrowers promptly and professionally. Provides general Bank information and cross sells services.
ESSENTIAL FUNCTIONS AND BASIC DUTIESAssumes responsibility for the effective and efficient performance of branch operations.Supervises work scheduling and workflow of daily routine operations.
Ensures branch security.
Opens and closes the building in accordance with set hours and tests security equipment quarterly
Ensures that operations are conducted in accordance with established Bank policies and with legal and regulatory requirements
Supervises and assists with customer service functions.
Assists in New Accounts and on Teller line as needed.
Cross-sells Bank services.
Implement changes to established policies and procedures within the branch.
Assumes responsibility for maintaining proper cash controls.Ensures that all branch transactions are balanced at the close of each day.
Oversees individual accountability for the handling of cash and assists Tellers in resolving balancing problems.
Controls and handles daily deposits in accordance with established policies and procedures.
Periodically verifies cash in possession of Tellers and cash on the premises.
Effectively supervises branch staff, ensuring optimal performance.Provides leadership through effective objective setting and communication.
Directly supervises all branch personnel.
Ensures that high quality work and efficiency in operations are maintained.
Conducts sales coaching with all branch personnel according to Prosperity Sales philosophy
Determines work methods and flow through assigning, directing, coordinating, and reviewing tasks.
Conducts regular meetings with branch associates to inform and train.
Discusses areas needing improvement and changes in procedure.
Conducts weekly meetings with branch management staff to coordinate activities for the following week.
Ensures that personnel are well trained in all phases of their respective jobs.
Completes orientation of new associates in overall branch procedures.
Performs cross training as necessary.
Conducts security training.
Conducts Sales Training.
Ensures that personnel are effective and optimally used.
Determines appropriate staffing levels for proper utilization of human resources.
Tracks individual progress and conducts performance appraisals on each associate at least twice annually.
Formulates and implements corrective actions as needed.
Recommends promotions for associates as appropriate.
Provides leadership training to associates seeking management opportunities.
Approves all sick leave, vacation, overtime, and time sheets for each branch associate.
Keeps accurate payroll and attendance records.
Assumes responsibility for establishing and maintaining effective, professional business relations with customers.Ensures that customers' requests and questions are promptly resolved.
Handles customers' complaints.
Ensures that customers are informed of Bank services and policies.
Counsels customers regarding their financial needs and services requested.
Ensures that the Bank's quality reputation is maintained and projected.
Responsible for acquiring new business by performing sales calls.
Assumes responsibility for the effective administration of branch functions.Ensures that branch operations are well coordinated with accounting, loan processing, and credit functions.
Manages and oversees expenses.
Pursues cost-saving measures.
Continually seeks ways to improve branch operations and productivity and to meet established goals.
Prepares periodic branch activity reports and makes recommendations to management for improvements.
Ensures that proper maintenance and general housekeeping of the building, grounds, work areas, desks, and equipment is carried out, including snow and ice removal.
Ensures that adequate supplies, forms, and equipment are available for personnel.
Institutes prudent safety measures.
Keeps management informed of branch activities, progress toward established objectives, and of any significant problems.
Requests assistance when necessary.
Assumes responsibility for related functions as required or assigned.Fills in and performs duties in branch positions as needed.
Attends assigned training sessions and stays current on new operational procedures.
Assumes responsibility for the effective and professional completion of assigned commercial loan functions.Interviews, takes applications, and processes preliminary documentation on commercial loan requests.
Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customers.
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.
Assists in review of construction loan advances on commercial properties.
Conducts property inspections as assigned.
Follows-up on all matured loans.
Assists in the collection of delinquent accounts.
Completes lending functions in accordance with established Bank policies and legal requirement.
Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Bank personnel and with management.Coordinates functions with related departments and branches and provides support as needed.
Assists Commercial Lending personnel and provides support as needed
Keeps management informed of area activities and of any significant problems
Attends and participates in meetings and committees as required. Serves as a member of the Commercial Loan Committee.
Completes required reports and records.
SUPERVISORY RESPONSIBILITIES:- Lead and manage team through training, developing, and coaching associates on a consistent basis
- Encourage others to set challenging goals and high standards of performance
- Inspire associates to define new opportunities and continuously improve the organization
- Celebrate and reward significant achievements of associates
- Present logical and persuasive case for proposals and positions
- Assist team in addressing their individual strengths and development needs
PERFORMANCE MEASURESBranch services are efficiently and effectively delivered in accordance with established Bank policies and standards.
Current customer accounts are maintained or expanded, and additional ones solicited.
Good business relationships exist with customers and their questions and problems are promptly resolved.
Branch personnel are well trained and efficient, and their activities well coordinated.
Required reports and records are accurate and timely.
Management is appropriately informed of area activities and of any significant problems.
Suggestions are provided for improved efficiency or effectiveness in operations.
Good working relationships exist with branch personnel.
Assistance is provided as needed.
QUALIFICATIONSEDUCATION/CERTIFICATION: Associate degree in business or a related field, or an equivalent combination of training and work experience.
REQUIRED KNOWLEDGE: Thorough knowledge of Bank services and products.
Understanding of related legal and regulatory requirements.
Familiarity with Branch functions, policies, and procedures.
EXPERIENCE REQUIRED: At least five years of related experience in a financial institution, with a minimum of two years of supervisory experience.
At least five years lending experience.
Commercial Lending experience required.
Real estate and origination background preferred.
SKILLS/ABILITIES REQUIRED: Strong interpersonal, leadership, and supervisory skills.
Well organized.
Ability to operate related computer applications and related business equipment.
Attention to detail.
Ability to maintain an effective and efficient workflow.
PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITIONTalking:Especially where one must frequently convey detailed or important instructions or
ideas accurately, loudly, or quickly.
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.
(Almost all office jobs.)
WORKING CONDITIONSNone: No hazardous or significantly unpleasant conditions (such as in a typical office).
MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITIONReasoning Ability: Ability to apply logical or scientific thinking to define problems, collect data, establish facts, and draw conclusions. Able to interpret a variety of technical instructions and can deal with multiple variables.
Mathematics Ability: Ability to compute discount, interest, profit, and loss; commission markup and
selling price; and ratio, proportion, and percentage. Able to perform very simple
algebra.
Language Ability: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and
encyclopedias. Ability to prepare business letters, proposals, summaries, and
reports using prescribed format and conforming to all rules of punctuation,
grammar, diction, and style. Ability to conduct training, communicates at panel
discussions, and make professional presentations.
Monday - Friday: 8:00AM - 5:00PM
40 hours
