Bank Vice President/Branch Manager

Company: Alliant Bank

Location: Moberly

Closing Date: 25/10/2024

Salary: £100 - £125 Per Annum

Hours: Full Time

Type: Permanent

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Job Requirements / Description

About Alliant Bank

Alliant Bank is opening a de novo branch in Moberly, Missouri. We are looking for a well-respected area business leader to take on the role of Bank Vice President and Branch Manager to engage and develop long-term banking relationships with area individuals and businesses.

Alliant Bank is a regionally owned community bank with $230 million in assets. Alliant Bank believes in autonomous branch management with local decision-making authority in fostering banking relationships in all the communities we serve. Our organization is agile, and we work diligently to make branch operations easy with competitive products and customer service solutions.

Position Overview

Key responsibilities include team leadership, meeting region and branch performance goals, managing all aspects of branch operations, maintaining a high level of service quality, producing accurate reporting, branch compliance, branch security, assisting with sales/marketing activities, and maintaining branch condition.

Preferred candidates will have previous lending experience, previous management experience, no existing employment contracts, no non-solicit contracts, and a deep network of business contacts and individuals to begin to build long-term relationships.

Position of Bank Vice President reports to Alliant Bank’s Chief Executive Officer and Chief Lending Officer.

Specific Duties

Team Leadership:

Consistently reads feedback and follows up with relevant training, mentoring, encouragement, and accountability for individuals on their team.
Completes reviews on schedule for each team member; ensures reviews and compensation are accurate, consistent and effectively communicate employee standing within the organization.
Ensures employees follow all branch policies/procedures and comply with banking regulations; participates in audits and certifications.

Branch Reporting & Performance Goals:

Consistently achieves branch goals for financial and operational performance.
Achieves branch goals for customer satisfaction, account openings, deposit growth, and loan originations.
Produces timely and accurate reviews of branch reports on financial performance, operations, compliance, and service quality.
Proactively keeps management informed of situations regarding personnel, customers, competition, and market trends that have the potential to affect future branch performance.

Branch Operations:

Successfully supervises the day-to-day operations of the Branch and ensures all team members have adequate skills and product knowledge.
Delegates responsibilities and performs scheduling to efficiently service customer requests and manage periods of heavy traffic at the branch.
Ensures team provides outstanding service that achieves high customer satisfaction and builds strong, long-term customer relationships.
Maintains the condition of branch building and equipment, including cleanliness, security, and maintenance.

Loan Origination:

Reviews and evaluates customer applications for loans, lines of credit, or lines of credit extensions; authorizes or recommends the approval of applications in accordance with established guidelines and policies.
Negotiates credit terms, such as costs, loan repayment methods, and collateral specifications consistent with financial institution policies and procedures, and to be competitive with current market rates.
Effectively directs and participates in the closing of approved loan agreements.
Achieves goals and objectives set for the volume of new and funded loans.
Achieves goals and objectives set for other bank services and referrals (account openings, cash management, other loan types, etc.).

Underwriting:

Analyzes credit history of applicants and determines loan repayment capabilities.
Performs detailed underwriting to accurately evaluate opportunities according to bank credit guidelines.
Provides approval and rate decisions for mortgage and home equity within bank response time goals.
As needed presents accurate loan approvals and analysis to the bank's credit committee that include all relevant information.
Effectively analyzes complex situations and finds creative ways to provide loans that meet client needs.

Customer Relationship Management:

Develops and maintains a strong relationship with borrowers and prospects by providing trusted advice.
Achieves goals and objectives set for number, type, and frequency of customer or prospect contacts.
Effectively consults with customers about their lending needs, including consulting customers about the risks, consequences, benefits of alternative lending solutions and explaining deficiencies to applicants when a loan is denied, while complying with compliance requirements.
Effectively addresses customer questions and concerns, provides timely follow-up on requests.

Portfolio Management / Loan Quality:

Ensures overall credit quality of the branch’s loan portfolio exceeds standards and loan underwriting is completed according to bank procedures and regulations.
Actively monitors loan covenants and credit quality of their loan portfolio.
Proactively upgrades and downgrades loans as needed, with the goal being no third-party downgrades from credit administration or auditors.
Performs regular due diligence including collecting all financial information, completing annual financial reviews required by loan policy, and making all required site visits.

Documentation & Compliance:

Acts in accordance with the laws, rules, regulations, and bank compliance policies applicable to their position.
Completes continuing education to stay current with changing lending rules and regulations.
Ensures all loan documentation and new account openings are completed according to bank procedures and regulations.

Community Involvement:

Encourages team involvement with important community, philanthropic, and civic events.
Expands branch network and sales opportunities by developing relationships with individuals and businesses throughout the community.

Additional Requirements:

Obtain a property and casualty insurance license within the first year of employment.

EEO Statement

Alliant Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including but not limited to recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Job Type: Full-time

Pay: $95,000.00 - $130,000.00 per year

Benefits: