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Position: Bank Manager/Lender
Physical Location: West Laurel Branch, 110 S 16th Ave, Laurel, MS 39440
Reports To: Market President
Working Conditions: Normal, no adverse or hazardous conditions
Job Grade: Officer
Job Group Category: Exempt
Work Hours: M-F 8 am-5 pm
Primary Purpose: (Summary of major reason this job exists)
Oversees the operation of a branch office. Exercises control over the functions of the office. Administers the operation of the branch with primary emphasis on deposits and customer service activities. Under general supervision, but in accordance with established lending policies and procedures, receives and reviews applications for consumer and commercial credit.
Principal Duties and Responsibilities:
Majority of duties performed, but not meant to be all inclusive or to prevent other duties from being assigned.
Provides personnel management for branch staff.
Manages overall branch office operations.
Maintains and stays abreast of security policies and procedures.
Responsible for maintaining office building, grounds, equipment, and fixtures.
Maintains knowledge of branch policies and procedures with respect to approving checks and overrides.
Handles customer problems and complaints; counsels customers with special needs or requests.
Establishes and helps to attain internal performance objectives for branch office business volume, deposits, and quality of audit reports.
Provides and maintains a professional, business-like atmosphere within the branch office.
Reviews staff members for formal performance evaluations and recommends salary adjustments. Counsels employees when needed. Coordinates staff training when needed.
Tests branch security equipment and investigates security issues when needed.
Solicits business from potential and existing customer (outside and inside bank location).
Interviews loan applicants and processes loan applications.
Analyzes applicant financial status and credit to determine feasibility of granting loan.
Prepares appropriate loan documentation and verifies loan agreements are complete and accurate according to bank policy.
Approves loans that meet established lending criteria and are within approved lending limits.
Manages a portfolio of consumer and commercial loans; may coordinate some collection efforts.
Represents the financial institution in public relations activities and community affairs.
Job Specifications: Knowledge, skills, and abilities normally required for competent performance in the job.
Bachelor's degree or equivalent work experience.
Two to three years of experience in a financial institution.
Knowledgeable of the Bank's retail and loan policies and procedures.
Knowledgeable of laws and regulations applicable to bank lending and operations practices.
Excellent interpersonal and customer service skills.
Good written, verbal and supervisory skills.
The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information or any other status protected under applicable local, state or federal nondiscrimination laws.