Branch Manager

POSITION SUMMARY

The Branch Manager plans, controls, supervises, and coordinates Credit Union services and activities of the branch office. Contribute to NBCU’s achievement of the goals outlined in its strategic plan by effectively leading the branch staff, managing the operations, and creating an effective sales and service culture in the branch. Identify branch business, and member service, opportunities.

AUTHORITY AND REPORTING RELATIONSHIP

The Branch Manager supervises and directs the work of all branch employees. The Branch Manager reports to the Vice President of Retail Service & Branch Administration.

AMOUNT OF INDEPENDENT ACTION OF THE POSITION

Approval may be required when solution is not within normal policies and procedures. The Branch Manager may make exceptions to policy as appropriate and within authority.

ESSENTIAL FUNCTIONS

• Supervise and assist in the coaching, training and the development of branch staff.
• Assist branch staff in solving member problems, serving as an operational reference.
• Oversee and approve the scheduled work hours and breaks for all branch staff.
• Oversee the investigation of teller losses, and institute corrective action as necessary.
• Oversee and assist in the job training of new staff; provide general performance input.
• Open and close the branch office ― and execute daily operations in accordance with credit union policies and procedures.
• Actively participate in a sales and service culture consistent with the Credit Union's business plan goals and encourage other staff members to meet or exceed sales goals, as necessary.
• Support credit union member relations through on-going customer contact, quality customer service, and superior product knowledge.
• Research and resolve member questions, problems and concerns by way of telephone, written correspondence or in person.
• Maintain a mastery of the credit union’s current operating system for financial transactions.
• Handles the opening/closing of accounts, CDs, IRAs, safe deposit boxes, etc.
• Place appropriate holds on all checks in accordance with applicable policies and regulations.
• Execute Chex Systems and OFAC inquiries.
• Process stop-payments on member checks.
• Process check orders, and print starter checks.
• Promote and demonstrate electronic account information delivery systems to new members.
• Respond to all ATM outage issues and notify VP of Operations in a timely manner as issues arise.
• Verify weekly branch cash and ATM shipments.
• Balance and verify receipt of incoming cash orders for the branch. Balance and add cash to ATM.
• Audit ATM and Vault as well as cash drawers, on a monthly basis, according to policy.
• See to the accurate completion of required audit logs.
• Approve and disburse authorized debit and credit funds to members.
• Execute annual branch staff performance evaluations.
• Ensure that branch staff is adhering to all security procedures, and that building maintenance issues are reported and corrected.
• Provide notary services to members, as needed.
• Maintain a cash drawer, so to facilitate assisting tellers when the branch is busy.
• Utilize pre-approval platform in order to promote and cross-sell loan products and services.
• Initiate auto, home, personal loans and lines of credit; assist borrowers with the loan application process.
• Analyze credit history of applicants and determine loan repayment capabilities.
• Negotiate credit terms, such as costs, loan repayment methods and collateral specifications.
• Approval authority within Loan Policy limits and is granted at the discretion of the Vice President of Lending. Management approval is required when solution is not within normal policy limits.
• Comply with the Credit Union’s SAFE Act Policy and procedures.
• Comply with Truth in Lending (Regulation Z), Equal Credit Opportunity (Regulation B), and all applicable lending regulations.
• Attend meetings and seminars related to the Credit Union's operations and branch-related supervisory duties.
• Compliance with Bank Secrecy Act, OFAC and USA PATRIOT Act including Member Identification Program, member due diligence, identifying high risk accounts, reporting suspicious activities to Supervisor or BSA Officer. Comply with USA Patriot Act when identifying loan applicants. Ensure all checks disbursed to vendors comply with OFAC regulations. Accurate completion of CTR and Monetary Instrument log.

QUALIFICATIONS

• High school graduate or GED.
• Minimum of two (2) years cash-handling experience is required.
• Minimum of two (2) years of customer service experience is required.
• Minimum of two (2) years of supervisory experience is required.
• Prior experience working in banking strongly preferred.
• Prior teller experience is preferred.
• A minimum of 1-2 years of experience in consumer and/or mortgage lending is preferred.
• Knowledge in Real Estate Settlement Procedures (Reg. X), Truth in Lending (Reg. Z), and Equal Credit Opportunity (Reg. B) is preferred.
• Intermediate skills related to Microsoft Office applications.
• Mathematical aptitude.

COMPETENCIES

• Strong leadership skills and the ability to motivate others are necessary.
• Positive, professional business relationships within the credit union.
• The ability to work independently and take-on additional projects as assigned.
• The ability to meet deadlines.
• Strong organizational skills.
• Excellent oral and written communication skills.
• A strong commitment to achieving personal growth and success.

BENEFITS SUMMARY

• Paid holidays; closed on Sundays
• Paid vacation, earned sick/personal time, paid bereavement leave, paid family/medical leave, short term/long term disability
• Medical/dental insurance, vision plan (effective 1st of month after date of hire)
• Medical deductible reimbursement program
• Group term life/AD&D insurance; supplemental voluntary life/AD&D insurance (effective immediately)
• Safe Harbor 401(k) plan provides up to 3% matching contributions, and an additional 3% safe harbor company contribution once you have met the plan eligibility requirements.
• Tuition assistance (up to $4500/yr; approval required), employee referral program ($250 referral bonus per referral; approval required)
• Benefits are subject to change, and subject to employee eligibility requirements. Please contact Human Resources for current information.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

New Bedford Credit Union (NBCU) is an equal opportunity employer. NBCU prohibits discrimination and harassment of any type and affords equal employment opportunities to employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. It is the policy of NBCU to not discriminate against applicants and individuals with disabilities and, when needed, to provide reasonable accommodations to applicants and employees who are qualified for a job, with or without reasonable accommodations, so that they may perform the essential job duties of the position. If you need accommodation to perform the essential functions of your position, please contact Human Resources directly.