The Consumer Loan Assistant Manager will assist with planning, directing, and organizing the activities of the Consumer Loan Center (CLC), including fulfillment of strategic objectives and goals and support branch direct and dealer indirect portfolio performance. Help maintain quality control underwriting guidelines, policies and procedures. The Assistant Manager will also be expected to regularly spend some time functioning as a Loan Officer for a select group of dealers and/or branches.
Essential Duties and Responsibilities (Other duties/projects may be assigned):
Plans, directs, and organizes workflow of staff to ensure most efficient use of resources are appropriately allocated and required deadlines/commitments are routinely met.
Provides direct and indirect reports with proper tools and authority to execute their assigned functions and develops skills of staff through goal-setting, coaching, problem resolution, delegation, training, counseling, and performance management.
Directly supervise the department Support Staff. Assists management and works collaboratively with Human Resources to recommend staffing levels and approves personnel actions such as hiring, terminations, promotions, transfers, training and development of staff, timely performance reviews and salary increases, in accordance with legal and acceptable Bank personnel practices.
Oversee centralized underwriting processes by reviewing loans for completeness as needed to support underwriting decisions, ensuring quality control standards are met, and ensuring adherence to underwriting guidelines, policies and procedures. Make recommendations for changes to policies and procedures as needed.
Approve loan requests above and outside of the Consumer Loan Officers' authorities and decision requests within approved lending limits. Make presentations and recommendations to department manager or Credit Administration on all requests above lending limit, or with exceptions outside authority. Make recommendations for Consumer Loan Officers' lending authorities.
Assist the department manager monitor and analyze all aspects of portfolio performance including yield, growth, new loan volume, delinquency rates, charge-off rates, credit quality, credit grade mix, loan term mix, types of desirable and acceptable collateral, loan to value ratios, and product mix for both Direct and Indirect loans. Make recommendations to manager to adjust underwriting, policies, procedures, and/or loan pricing and terming to achieve portfolio objectives. Implement approved changes and monitor results.
Initiate and pursue ways to develop business, improve quality of service, and increase productivity. Provide input for and/or implement policy and procedure changes.
Select, develop, configure, and maintain software systems provided by third party vendors utilized in the consumer lending process and make recommendations to manager.
Coordinate and monitor CLC's business development activities and results to achieve indirect consumer lending portfolio objectives and goals.
Participate in operating and project budgets to achieve results within those budgets.
Maintains current knowledge of banking and lending rules and regulations and assures compliance with all bank policies and procedures, as well as applicable state and federal regulations.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Provides an exceptional level of quality service for internal and external customers and responds to customers' needs, questions and concerns in an accurate, effective, and timely manner. Set performance standards for staff in this regard.
Exhibits professional and effective listening, verbal, written and presentation communication skills (group meetings, correspondence, reports and email), with the ability to read, write, speak and understand English well.
Strong management / leadership skills are required to motivate and develop a high performance work team and monitor workflow and schedules; employee development, performance management, training, and employee counseling skills are essential.
Strong analytical reasoning, problem-solving, attention to detail, organizational, data review and time management skills, with the ability to accurately manage multiple assignments, goals, reporting requests and staffing schedules, ensuring priorities are set and commitments and deadlines are met, with minimal direction and supervision.
Proficient in tax return and financial statement analysis. Able to analyze complex borrowers' financial statements.
Thoroughly understands and applies principles, procedures, requirements, regulations, and policies, related to assigned areas of oversight, in a multi- state environment.
Takes independent action, operates as a pro-active self-starter, acts on opportunities, and recognizes opportunities for and encourages operational efficiencies.
Demonstrated ability to quickly focus on key issues and make decisions under pressure of time constraints.
Ability to work successfully in a production environment where volume, efficiency and accuracy are required.
Unquestionable integrity in handling sensitive and confidential information required.
Proficient knowledge and use of MS Office products (Word, Excel, Outlook) and retrieval of data, with the ability to adapt to and learn new products and technologies quickly.
High School Diploma or equivalent required. Bachelor's degree in Business Administration and Management strongly desired.
5 years' progressively responsible and recent experience in consumer lending, or related lending experience, which includes a minimum of 2 years in a supervisory and/or management role, within a financial services industry required.
Equivalent combination of education and/or comparable experience may be considered.
Climate controlled office environment.
Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions, and frequent employee and customer contacts and interruptions during the day.
Work requires regular attendance, punctuality and adherence to agreed-upon schedule with willingness to work a flexible schedule, which may include rotating Saturdays and extended hours, as needed.
Work may involve the constant use of computer screens, reading of reports, and sitting throughout the day.
Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile which often requires dexterity of hands and fingers with repetitive wrist and hand motion.
Typically sitting at a desk or table; intermittently standing, stooping, bending at the waist, kneeling or crouching to file materials.
Occasional lifting 10 - 15 lbs. (i.e., loan files, boxes).
Travel Time: 10 15% travel may be required for business development and customer meetings; willingness to travel to other branch, customer, and dealer services locations when needed; valid driver's license, proof of insurance, and access to reliable transportation; or the ability to access and utilize an alternative method of transportation, when needed, to carry out job-related essential functions.
The above statements are intended to describe the general nature and level of work being performed and are not an exclusive list of all qualifications for this position.
Heritage Bank is an Equal Opportunity Employer
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, disability, or any other basis protected by applicable law.
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If you need assistance completing the online application, please email: HBRecruiting@HeritageBankNW.com.
##Street:435 E. George Hopper RD
Heritage Financial Corporation