Branch Manager

Consumer Lending Services PositionPosition provides consumer lending services to customers. Responsibilities also include overseeing branch facilities and security issues.Duties And Responsibilities:Perform consumer lending duties by originating and/or renewing loans, performing thorough review and credit analysis of applicant/borrower's financial condition and ability to repay the loan, performing an evaluation of loan structure, assist to perform duties related to renegotiation of changes to loan, maintaining contact with individuals involved with loans in process, assist with administration of loans, and work with borrowers on collections of past dues and delinquent loans.Administer the loan to include overdraft monitoring, field audits and inspections, financial statement analysis, review and monitor compliance to the loan agreements. Perform periodic review of loan documentation and collateral evaluation.Contact and/or work with collectors to resolve past dues and delinquencies. Comply with the initiation of watch-listed credit that represents deterioration from the original repayment terms.Initiate current and potential customer contacts and participate in community organizations as a representative of the bank to enhance the bank's image. Attend manager/sales meetings to keep apprised of issues, concerns, and loan production/products, and to report on activities/calls.Responsible for the general maintenance of the branch and that the area is clear of all physical impediments for the safety and security of customers, employees, and the branch assets. Ensure that all security procedures are strictly followed.Effectively address and resolve customer inquiries and problems to ensure they are handled in an efficient and expedient manner. Responsible for ensuring compliance with the Division Security Program.Essential Functions:Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Maintain strict confidentiality of customer's personal and financial information.Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse compliance courses and achieve a passing score by due date.Adhere to First Security Bank's core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive 'can-do' attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs.Display excellent customer service with both internal and external clients. Embody First Security Bank's "Welcome" tenets:Warm – Demonstrate warmth; be genuine and approachableEngage – Engage with teammates and customers; be present in every interactionListen – Actively listen to employees and clientsConnect – Build relationships, connect with the community and teamsOpportunity – Seek out opportunities to serve othersModify – Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriateExperience – Create a true experience for the client by providing exceptional customer service on their financial journeyMust be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers.Support Community Reinvestment Act (CRA) through business development efforts.Position performs other duties as needed/assigned.Qualifications:Three years to five years of similar or related experience, including preparatory experience.A two-year college degree. An equivalent combination of education and experience may be considered on a case-by-case basis.Must possess current valid driver's license.Position is required to register and maintain current Mortgage Loan Originator registration with the National Mortgage Licensing System (NMLS) as required by law.Knowledge, Skill, Ability:Working knowledge of standard office equipment. Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications.Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques. Demonstrate soft phone skills by treating all customers in a polite and courteous manner. Understands and follows complex written and oral instructions.Customer Service: we are community inspired and pride ourselves on offering exceptional service to both our internal and external customers. We expect you, as an employee, to support our values and visions of Integrity, Service and Success.Teamwork: demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others.Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs.Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties; adhere to Bank policies and procedures regarding confidentiality.Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines. Demonstrate effective time management and prioritization skills to oversee and direct multiple projects simultaneously; must be able to prioritize and organize heavy workloads.Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations.Individual Responsibility and Accountability: Accept responsibility for own work performance; accepts responsibility for own actions and outcomes and does not blame others. Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. Conduct follow-through and meets commitments and agreements in a timely manner; relied upon others as a source of valid information.Mathematical Skills: Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis. Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy.Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation that reflect consideration for resources, constraints, and Bank values and goals. Understand cause and effect relationships, recognize similarities and differences in situations, and apply knowledge to help make effective decisions or to come up with new ways to accomplish a task. Define a result, set, or follow a course of action to achieve it, anticipate potential obstacles, and monitor progress to achieve desired result.Negotiation: Negotiate with, convince, or influence others to take a course of action to achieve a specific result. Use appropriate interpersonal styles and communication methods to gain acceptance of an idea, plan, activity, or product. Bring conflicts and disagreements into the open, when appropriate, and attempt resolution collaboratively through building consensus.Networking: Build networks of useful relationships necessary to achieve positive results. Know how organizations work; cognizant of different toles and positions of power and utilize this information to influence outcomes.Work Environment: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.Must be capable of up to 50% travel (e.g. 2 weeks or 10 days per month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities. Travel will be necessary to conduct the duties of this job, and the employee must have the ability to drive and have proper licensing.Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: climb, balance, stoop, kneel,