Community Branch Manager - Loan Officer

The Community Branch Manager serves as a trusted financial partner, team leader, and community advocate. This role is responsible for driving branch performance through relationship-based sales, responsible lending, operational excellence, and team development. The Manager leads by example to deliver personalized banking solutions that strengthen local families, businesses, and the communities we serve.

The ideal candidate demonstrates strong experience in consumer and residential mortgage lending, working knowledge of small business banking, a proactive sales mindset, and a deep commitment to community engagement and regulatory compliance.

Requirements

Responsibilities:

Community Engagement & Relationship Development

• Develop and maintain strong relationships with customers, local businesses, civic leaders, and community organizations.
• Actively represent the Bank at networking events, chamber meetings, financial literacy workshops, and community initiatives.
• Serve as a financial advisor to customers by identifying needs and recommending responsible solutions.
• Promote financial education and community involvement consistent with the Bank's mission and values.
• Maintain visibility within the local market to strengthen brand presence and drive deposit and loan growth.

Sales Leadership & Responsible Lending Growth

• Drive growth in consumer loans, residential mortgage products, and small business banking relationships.
• Manage the full lending lifecycle including prospecting, application, underwriting collaboration, closing, and portfolio follow-up.
• Maintain strong knowledge of credit analysis fundamentals, debt-to-income calculations, collateral evaluation, and risk mitigation.
• Ensure all lending practices comply with regulatory requirements including fair lending and consumer protection standards.
• Coach staff on referral generation, relationship expansion, and solution-based selling.
• Monitor branch sales goals, pipelines, and performance metrics.

Customer Experience & Relationship Excellence

• Cultivate a welcoming, service-driven branch culture focused on relationship retention and customer satisfaction.
• Proactively resolve customer concerns with professionalism and urgency.
• Ensure consistent delivery of high-touch, community-focused service.
• Leverage digital banking tools to enhance customer convenience and engagement.
• Promote online and mobile banking adoption while preserving personalized service.

Team Leadership & Talent Development

• Lead, coach, and develop branch staff.
• Conduct performance management, goal setting, coaching sessions, and annual reviews.
• Foster a culture of accountability, integrity, and teamwork.
• Support recruitment, interviewing, onboarding, and retention of branch staff.
• Provide ongoing training in sales, compliance, operational accuracy, and customer service standards.
• Model ethical behavior and uphold the Bank's core values at all times.

Branch Operations & Compliance Oversight

• Oversee daily branch operations including balancing, cash controls, security procedures, and audit readiness.
• Ensure compliance with all applicable regulations including:
• BSA/AML (CIP, CDD, EDD, CTR, SAR)
• OFAC/Sanctions screening
• Reg CC, Reg E, Reg Z
• Fair Lending & UDAAP
• Maintain strong internal controls and fraud prevention practices.
• Review operational reports, exception items, audit findings, and performance dashboards.
• Collaborate with Retail Operations, Deposit Operations, and Lending teams to ensure seamless service.
• Ensure proper documentation, record retention, and adherence to internal policies.

Required Skills & Abilities:

Relationship & Sales Leadership

• Strong business development and consultative sales skills.
• Ability to build trust across diverse customer segments.
• Results-oriented with the ability to meet growth targets responsibly.

Credit & Lending Expertise

• Solid understanding of underwriting principles and credit risk assessment.
• Experience reviewing financial statements and small business documentation preferred.
• Knowledge of secondary mortgage market basics and documentation standards.

Operational & Regulatory Acumen

• Strong knowledge of branch procedures and internal controls.
• Audit-ready mindset with attention to documentation accuracy.
• Understanding of fraud prevention and risk mitigation best practices.

Digital & Technological Proficiency

• Comfortable leveraging core banking systems and lending platforms.
• Familiarity with online/mobile banking solutions.
• Ability to interpret performance dashboards and production reports.

Leadership & Communication

• Proven ability to motivate and develop team members.
• Strong conflict resolution and decision-making skills.
• Clear, professional written and verbal communication.

BEHAVIORAL EXPECTATIONS

• Demonstrates integrity, professionalism, and ethical conduct in all interactions.
• Treats customers and coworkers with respect, fairness, and courtesy.
• Maintains a calm and professional demeanor during high-volume periods or challenging situations.
• Supports Arthur State Bank's commitment to teamwork, accountability, and community service.
• Adheres to attendance, reliability, and workplace conduct standards.

Education and/or Work Experience Requirements:

• High school diploma or equivalent required. Associate's or Bachelor's degree in Business, Finance, or related field preferred. A combination of relevant education, retail banking leadership experience, and demonstrated lending performance will be considered.
• 5+ years of retail banking experience with progressive leadership responsibility.
• Demonstrated experience in consumer and residential mortgage lending.
• Small business lending experience preferred.
• Strong working knowledge of banking regulations and compliance expectations.
• Active involvement in community organizations preferred.
• Ability to travel locally for business development and community engagement.

Physical Requirements:

• Prolonged periods of sitting and working at a computer.
• Frequent standing and walking within the branch.
• Regular use of hands and fingers for typing, writing, operating office equipment, and handling currency.
• Ability to operate standard office equipment including computers, phones, copiers, scanners, and cash handling equipment.
• Occasional lifting and carrying of items up to 25 pounds (coin bags, cash shipments, office supplies).
• Ability to communicate clearly in person and by telephone.
• Visual acuity sufficient to review documents, computer screens, and detailed financial information.

Working Conditions:

• Primarily works in a professional retail banking environment.
• Frequent interaction with customers and employees.
• May require early mornings, and evenings depending on branch operations/needs.
• Local travel required for community events, business development activities, and inter-branch meetings.
• Moderate noise level consistent with a public-facing financial institution.
• Must maintain a professional appearance consistent with Bank standards.

Compliance Statement:

This job description is intended to describe the general nature and level of work performed and is not an exhaustive list of all duties, responsibilities, or qualifications.


Duties may change based on business needs, regulatory requirements, or organizational priorities.