Branch Manager w/ Commercial Lending

Key Responsibilities

• Supervise work scheduling and daily workflow.
• Ensure operations comply with Bank policies and legal/regulatory requirements.
• Oversee branch security, including opening/closing procedures and regular testing of security equipment.
• Actively solicit new business and customers.
• Supervise and assist with customer service functions; cross-sell Bank services.
• Maintain proper cash controls and ensure all branch transactions are balanced daily.
• Implement changes to established policies and procedures within the branch.
• Interview, take applications, and process preliminary documentation for commercial and consumer loan requests; discuss loan alternatives, credit criteria, interest rates, and documentation with customers.
• Analyze, evaluate, and approve loans within assigned limits; prepare submissions for higher approval if needed; identify and resolve credit information issues.
• Conduct property and collateral inspections as assigned.
• Follow up on matured loans.
• Aid in the collection of delinquent/problem loans, including completing Loan Watch Reports.
• Keep borrowers informed of Bank loan products, policies, and services.
• Meet with applicants whose loans are denied to explain reasons and alternatives.
• Complete lending functions with proper documentation in accordance with Bank policies and legal requirements.

Supervision of Branch Staff

• Provide leadership through effective objective setting and communication.
• Directly supervise all branch personnel, ensuring high-quality work and operational efficiency; assign, direct, coordinate, and review tasks.
• Conduct regular meetings with branch employees for training and updates; discuss areas for improvement and procedural changes.
• Hold weekly meetings with branch management staff to coordinate activities.
• Determine appropriate staffing levels and ensure optimal use of human resources.
• Track individual progress, conduct annual performance appraisals, implement corrective actions, recommend promotions, and provide leadership training.

Professional Business Relations with Customers

• Ensure prompt resolution of customer requests and complaints.
• Inform customers of Bank services and policies; counsel customers on financial needs and services.
• Maintain and project the Bank’s quality reputation.

Effective Administration of Branch Functions

• Coordinate branch operations with accounting, loan processing, and credit functions.
• Manage and oversee expenses; pursue cost-saving measures.
• Seek ways to improve branch operations, productivity, and goal achievement.
• Prepare periodic branch activity reports and make recommendations for improvements.
• Oversee maintenance and housekeeping of the building, grounds, work areas, and equipment, including snow and ice removal.
• Ensure adequate supplies, forms, and equipment are available.
• Institute prudent safety measures.
• Keep management informed of branch activities, progress, and significant problems; request assistance as needed.

Other Duties as Required or Assigned

• Serve as a representative for D.L. Evans Bank in the community.
• Attend required meetings and assigned training sessions; stay current on new operational procedures.
• Fill in and perform duties in branch positions as needed.
• Maintain security responsibilities.