Branch Manager

Job Description

The Branch Manager is responsible for directing and administering the operational and commercial lendingefforts of the branch.He or she ensures that established policies and procedures are followed and oversees the provision of a full range of services to customers and prospective customers. He or she is also responsible for receiving, reviewing, and evaluating commercial and consumer loan requests.The Branch Manager meets with applicants to explain credit policies and to obtain loan information and documentation, monitors and reviews construction and development loans, and helps with collection activities. He/she ensures that customers are promptly and professionally served andprovides general bank information; cross-sells services; and hires, supervises, trains, and assists staff when necessary. In addition, he/she is responsible for business development and marketing of existing and prospective accounts.

Qualifications

• High school diploma or GED required; Bachelor's degree in Business, Finance, or related field preferred
• At least five years of commercial lending experience required
• Active license number with the Nationwide Mortgage Licensing System and Registry or the ability to obtain such
• Supervisory experience preferred
• Understanding of financial analysis and determination of credit worthiness required
• Knowledge of Bank lending and collections programs, policies, and procedures required
• Proven track record of community/civic/trade organization involvement and business development
• Familiarity with property management and maintenance procedures preferred
• Highly trustworthy and security conscious
• Strong interviewing skills
• Excellent written and verbal communication skills
• Strong analytical skills
• Able to use financial calculator and related computer applications and business machines

Responsibilities

• Ensures that customers' requests and questions are promptly resolved
• Completes required reports and records accurately and promptly
• Maintains the professional reputation of D.L. Evans Bank
• Interviews, takes applications, and processes preliminary documentation on loan requests, discussing loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customers
• Completes lending operations in accordance with established Bank policies and legal requirements
• Informs customers of Bank loan policies and services
• Coordinates functions with related departments and Branches and provides support as needed
• Keeps management informed of area activities and any significant problems or concerns
• Attends and participates in meetings and committees as required
• Serves as a representative for D.L. Evans Bank in the community
• Analyzes and evaluates loan requests and approves loan within specified limits or prepares written submission for consideration by the Senior Lender, Regional Credit Officer, or Senior Loan Committee if over individual limit
• Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems
• Helps review construction loan advances on commercial properties
• Conducts property inspections as assigned
• Reviews loan reports to identified maturing or matured loans and is proactive in completing renewal paperwork or processing a decline
• Helps with the collection of delinquent accounts
• Establishes and maintains effective and professional business relations with customers and trade professionals
• Educates customers regarding bank products and services requested and how they can better serve their individual financial needs
• Meets with applicants whose loans are denied and explains reasons and alternatives
• Attends assigned training sessions and stays current on new procedures and policies
• Markets commercial loans and cross-sells other bank products and services
• Stays informed regarding changes in lending standards and related legal requirements
• Supervises work scheduling and workflow of daily routine operations
• Ensures that branch operations are conducted in accordance with established Bank policies and with legal and regulatory requirements
• Ensures branch security
• Provides leadership through effective objective setting and communication
• Ensures that personnel are well trained in all phases of their respective jobs
• Directly supervises branch personnel ensuring that high quality work and efficiency in operations are maintained
• Counsels customers regarding their financial needs and services requested

Company Description

D.L. Evans Bank is a community bank and has been since 1904. For many years, we have provided premier banking services to the residents of Southern Idaho and Northern Utah while fostering a working environment for our employees dedicated to teamwork and excellent customer service. D.L. Evans Bank is an Equal Opportunity Employer – veterans/individuals with disabilities. VEVRAA Federal Contractor. EOE/AA/Vets/IWD.

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• FSA
• 401(k)
• Employee Stock Ownership Plan
• Paid Vacation
• Sick Time
• Life Insurance
• Long-term Disability Insurance