Citizens LPO in Albuquerque is converting to a full service branch!

We are seeking an experienced Full Service Branch Operations Manger II. The successful candidate will know both loans (consumer and commercial) and deposit operations.

We require, Satisfactory credit, basic skills test, reference and criminal background checks.

Please see below for the job description with other requirements.

Department: Albuquerque

Reports to: Branch Administration Manager

Supervises: Universal Bankers

Summary:

Duties and Responsibilities:

Responsible for the growth and development of a full-service facility to ensure branch profitability. Develops, manages, and maintains deposit and loan growth objectives to help meet the Bank’s strategic goals. Establishes mutually beneficial customer relationships through business development activities. Manages overall operations of branch office.

• Branch Operations

· Manages overall branch operations to ensure prompt, accurate, and dependable customer service.

· Directly supervises branch staff and coordinates staffing needs for the branch.

· Support Universal Bankers and new account functions, operating a teller drawer and/or new accounts desk as needed.

· Responsible for maintaining branch security systems.

· Maintains overall branch compliance with established policies and procedures.

· Responsible for ensuring branch facilities – building, equipment, and appearance are maintained to bank standards.

· Assist customers in resolving any problems or issues promptly and effectively.

· Manage and oversee all branch procedures and transactions, which include overrides, audits, balancing, approve checks, review large items and ensure individual teller and vault limits are within policy.

2. Loan Processing and Support

· Responsible for loan preparation process from beginning to end. This includes verifying that a complete loan application is received; pulling credit bureaus; verifying income; and verifying collateral values. Followed by preparation of loan requests for Lending Officer’s signature and ordering necessary documentation, i.e., flood certifications, ordering appraisals and/or market value reports, and ordering title insurance.

· Requesting loan documents from Credit Administration and verifying that said documents are accurate and in compliance with loan regulations prior to loan closings.

· Schedule loan closings with customers.

· Obtain all pertinent loan documentation and fees at closing.

· Filing/recording of collateral liens after closings and properly preparing for booking loans.

· Assist the Lender in clearing any pending items related to the loan after closing.

· Responsible for processing a variety of consumer and commercial loans.

· Verifying that loan documents are accurate and in compliance with commercial and consumer loan regulations prior to loan closings.

· Arrange for and handle loan closings with customers where possible.

· Obtain all pertinent loan documentation and fees at closing.

· Filing/recording of collateral liens after closings and properly preparing for booking loans.

· Initial set-up of construction loan files including review of approval documents, contracts, commitment letters, construction loan agreements, budgets, draw schedules, etc., and establishes necessary controls to properly monitor progress of construction and disbursement of funds including customized spreadsheets to track Loan to Value, equity contributions, costs, disbursements, change orders, and remaining funds available.

· Check project tracking to ensure it is reconciled as appropriate to the loan system.

· Verify all necessary documentation is received prior to disbursement of draws.

· Communicate with commercial lender, builders, and others in order to resolve disputes and problems.

· Assist in maintain department procedures, production and maintenance of appropriate reports, audit and compliance follow-up.

· Responsible for monitoring and clearing items that remain on the Loan Exception report with an emphasis on any critical exceptions over 30 days.

· Responsible for posting decisions on Lender’s daily NSF report.

· Responsible for contacting designated customers on daily past due report for collection of loan payments.

· Monitor maturing loans report and process renewals prior to loan maturity.

3. Administrative Support and Operational Support

· General management of the Commercial Lender’s telephone calls, meetings, appointments, conventions, correspondence, incoming mail, & handling of customers.

· Reviews status of projects and activities for the Commercial Lender. Maintains pending file to enable proper follow up and assure timely completion.

· Schedules appointments, provides information to callers, composes and types correspondence, reads and routes incoming mail and performs other administrative and clerical duties

4. Business Development

· To meet established goals by promoting products and services to existing and new customers that are beneficial to the customer’s needs, offer assistance and provide information. Follow up as necessary.

· Calls on existing and prospective customers to build mutually beneficial customer relationships.

· Provides and maintains a professional business-like atmosphere within the branch office.

· Implements marketing activities to build customer base and explore opportunities for promoting bank products & services.

5. Compliance and Asset Quality

· Maintains branch operational procedures.

· Oversees branch regulatory compliance.

· Reviews and monitors daily branch reports, including new accounts openings, overdrafts, and loan delinquency reports.

6. Management duties & responsibilities:

· Responsible for the overall performance of the branch staff.

· Supervises the quality and quantity of staff work and other related activities; manages adequate staff coverage; controls overtime.

· Develops annual staff workplans to support the bank & department’s objectives.

· Conducts periodic quarterly & annual reviews with employees on workplan progress.

· Guides and assists in development of staff to include training and other personnel development as needed.

7. Operational Excellence

· Maintains efficiencies by prioritizing workload and completing assigned tasks in a timely fashion.

· Maintains desired level of accuracy and knowledge on all aspects of banking.

· Provides accurate and timely service.

· Handle all transactions in accordance with the bank’s established policies and procedures

Other duties as assigned. Qualifications

Bachelor’s Degree in business or related banking certifications and a minimum of 3 years banking experience, preferably with a combination of branch management and operations preferred. Prior supervisory experience preferred with the proven ability to effectively lead a team. Must be a self-starter with strong interpersonal skills. Experience in consumer lending and in developing mutually beneficial customer relationships preferred. Requires strong sales prospecting skills and communication skills with the ability to read and write routine reports and business communications.

Candidate must have a proven ability to manage a deposit portfolio with a thorough knowledge of deposit products and key regulations.

Management experience with the ability to supervise and motivate staff preferred. Must have the ability to make decisions and handle a variety of situations within the branch. Experience in managing a branch facility preferred.

Active community involvement for this position is encouraged and will be considered favorably.

Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to speak and hear effectively in communicating with customers and employees, stand long periods of time, use hands to operate office machines and computers. Good vision is also required for close work and long distances. Occasional lifting up to 10 lbs. is required. Must be able to wear a mask while in the workplace in accordance with federal and state requirements. This position may qualify for telework.

Equal Employment Opportunity Employer/M/F/Disability/Veteran

Job Type: Full-time

Pay: From $57,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Employee discount
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Tuition reimbursement
• Vision insurance

Schedule:

• Monday to Friday
• No nights
• Weekends as needed

Work Location: In person