Branch Manager - Colorado Springs, United States - ANB Bank

Description

ANB Bank has financial strength embodied in over $3 billion in assets and ranks in the top 8% of banks nationwide by size and is a true community bank with an unwavering commitment to excellence.

The Bank helps each of its communities prosper through investment, sponsorship, philanthropy, and employee volunteerism. It is a passion ANB has for banking that makes the difference.

ANB Bank hires individuals who provide excellent customer service and build meaningful relationships with our customers and within our communities.

ANB is committed to rewarding our team members who strengthen our company and culture. ANB offers competitive compensation and a comprehensive benefits package for this position.

Hiring Pay Range:
$60, $65,000.00 annualized

The hiring pay range for this position is commensurate with the level of relevant experience and education.

This position may be eligible to receive an additional $2,080.00 per year if designation is approved under the Spanish Communication Assistant Program.

Health & Wellness Benefits (Subject to Eligibility Requirements)

Minimum 4 Weeks of Paid Time Off (PTO)
11 Paid Holidays
Medical, Dental, and Vision Insurance
Health Savings (HSA), Flexible Spending (FSA), and dependent care spending accounts
Company provided Life, AD&D, and Disability Insurance with supplementation options
401(k) plan with discretionary company match and profit sharing
Discretionary annual bonus and employee referral incentives
Employee Assistance Program (EAP)
Tuition Reimbursement Program
Spanish Communication Assistant Program Incentive
Employee banking products

Summary

Manages the day-to-day activities of the branch with regard to personnel; internal sales and service; security; daily operations; and compliance with applicable regulations, policies, and procedures.

Responsible for collaborating and coaching branch personnel to provide the highest level of customer service and effective promoting and selling of products and services; for the generation and maintenance of retail loans to consumer and small business clients; and ensuring that retail loans are in compliance with the banks policies, procedures, and applicable laws and regulations.

Essential Duties and Responsibilities

Directly managing the Branch Supervisor and the Universal Bankers at the assigned Branch.

Responsible for daily work schedules, hiring, training, cross-training, goal setting and development, performance evaluation and disciplinary counseling of this staff.

Managing customer relationships, handling customer problems and complaints, resolving issues to improve overall service to bank customers.
Instilling a sales culture through consistent training and development of employees.
Reviewing and approving the daily overdraft report.
Monitoring branch operations and profitability.

Helping attain internal performance objectives for branch business volume, deposit and loan growth and monitoring branch budget to include income and expense control.

Managing promotional campaigns and product initiatives for the assigned branch.
Consistently developing employees to prepare for career advancement.
Actively involving the branch in the community.
Monitoring documentation for new account openings, wire transfers, etc.
Interviewing retail loan applicants to determine their needs and advise them of various credit products. Requesting specific information necessary for loan underwriting.

Taking applications for Consumer Loan products; recommending the best product to meet the customers needs, discussing rates, and payment schedules.

Analyzing the creditworthiness of the customer by pulling credit reports, ordering appraisals, analyzing collateral, and applying sound lending practices and procedures as outlined in the Sturm Bank Group Credit Manual.

Conducting loan closings, including the review of documents, repayment schedules, insurance and lien holder requirements, method of payment, and cross-selling of bank products and services.

Presenting the loan to appropriate management for approval, however the Banking Officer is fully responsible for the credit quality of loans produced.

Actively calling and seeking new prospective clients for the bank.

Fostering many complex and sophisticated bank relationships through the cross-selling of products and services, requiring teamwork with Cash Management, Private Banking, Commercial Banking, and Investment Management & Trust.

Ensuring that the appropriate information necessary to finalize incomplete loan packages is collected.
Communicating as required with Supervisor to advise of any underwriting problems.

Responsible for working with customers in the loan portfolio that are past due on payments to make arrangements for payment and ensure collection.

In addition, this position may work the past due accounts for the Overdraft Protection accounts.

Responsible for preparing a package of documents, including a 2nd review requirement, and submitting them to the Adverse Action department in Loan Administration.

Once the adverse action forms are generated by Loan Administration, the Branch Manager is responsible for reviewing and approving the forms and mailing the forms to the applicant in accordance with the Equal Credit Opportunity Act (ECOA).

Responding to telephone and written inquiries concerning policy, procedure, and program guidelines in a timely manner.
Staying abreast of any changes in loan underwriting provisions.
Expanding customer base through marketing, networking, and sales calling. Solicits the business of non-borrowing customers as well as loan customers. Maintaining product knowledge to generate credit, deposit and fee business.
Participating in community involvement activities to enhance Banks visibility, image and reputation.

Delivering the quality of service as defined by department standards Embodies the Companys Mission, Vision, and core set of Values.

Monitoring building maintenance and coordinating necessary repairs with property manager.
Identifying, mitigating, and preventing fraud risks.

Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position.

This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008.
Other duties may be assigned.

Education and/or Experience

4+ years related experience and/or training; or equivalent combination of education and experience.
2+ years of experience in primarily consumer loans with limited experience in commercial lending required. Likely portfolio size of approximately $5MM to $10MM consisting mostly of consumer credits.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Equal Opportunity Employer/Affirmative Action/Minorities/Female/Disabled/Veteran

ANB Bank is committed to providing Equal Opportunity in Employment. The Bank is continually trying to improve recruitment, employment, development and promotional opportunities for its employees.

Our selection decisions are based on job-related factors and not on the basis of age, race, sex, color, religion, national origin, disability, sexual orientation, veteran status, pregnancy, marital status, genetic information, gender identity, or any other status protected by federal, state, or local law.

ANB Bank complies with the Equal Pay for Equal Work Act. ANB Bank requests that Applicant not disclose its wage rate history to ANB Bank.

If ANB Bank for any reason comes into possession of Applicants wage rate history, ANB Bank will not rely on it in determining a wage rate.

ANB Bank requests that applicant not provide information on age, date of birth or graduation date from any academic institution, including on resumes.

Anticipated Date of
Application Window Closure: 05/29/2024