ASSISTANT BRANCH MANAGER
Sound Credit Union – Bellevue, WA
$22.00 - $27.50 an hour
The primary responsibilities of a Assistant Branch Manager are to assist members and employees with inquiries, requests, and/or problems in a friendly, respectful, courteous, and professional manner. Maintain branch surroundings that reflect the Credit Union’s commitment to providing a friendly, respectful, courteous and professional business environment for all Credit Union members. Contribute to member satisfaction and retention. Expand member relationships by identifying and meeting members' needs by effectively cross-selling all Credit Union products and services. Provide information on Credit Union services or policies and completes routine to complex member transactions with accuracy in accordance with Credit Union policy. Open new accounts; accept, review and process loans. Provide leadership and direction for the branch staff and activities in the absence of the branch manager. Assist/support training of new branch staff.
Directly supervise employees in the Branch. Maintain a highly motivated, well-trained staff. This position carries out supervisory responsibilities in accordance with the Credit Union’s established policies. Responsibilities include interviewing, hiring, and employee training; planning, scheduling, assigning tasks and establishing goals, and directing work; appraising performance in a timely manner as scheduled; rewarding, coaching, motivating, and advising employees; addressing complaints and resolving problems. Conduct monthly staff meetings.
Leaders of Sound Credit Union embrace our Brand Purpose. We recognize our actions strongly impact our Brand-led culture. Therefore, we commit to consistently serve as Brand Advocates by modeling desired behaviors to inspire others through being Supportive, Open, Unified, iNclusive, and by Doing the right thing.
Essential Duties & Responsibilities
To perform this job successfully, an individual must be able to perform the essential duties of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties.
Act as lead in the absence of the Branch Manager. Assist in directing the daily workflow in the MSR/UA area. Act as a resource for staff and members to answer complex questions and/or resolve complex problems that may arise. Audit cash sheets to ensure MSR/UA’s are not over their assigned drawer limits. Review and approve member transaction exceptions and provide overrides as needed. Authorize service fee refunds to members when deemed necessary. On a regular basis, perform cash audits.
Perform routine to complex member transactions including: deposits, withdrawals, cash advances, loan payments, transfers and check cashing. Sell money orders, cashier’s checks, and gift cards. Perform Shared Branching transactions. Accept requests for stop payments, wire transfers, perform file maintenance on accounts, order debit/credit cards and various other items. Provide members statements and check copies; assist members with statement reconciliation. Provide members with account status information, including current balances and accurate loan pay-offs. Assist members to resolve discrepancies and grievances. Provide accurate accounting of transactions by balancing and preparing daily balance sheet.
Open new accounts including: savings, checking, money market, certificates of deposit, business accounts, Individual Retirement Accounts (IRA’s), Health Savings Accounts (HSA’s), ESA/Trust/Estate/Rep Payee/UTTMA/Guardianship and Blocked accounts. Enroll or opt-out members for telephone banking, online banking, and E-statements, as applicable. Assist members with completing direct deposit/transfer forms, fraud and dispute forms. Place member check order/re-order, issue/reissue VISA check and VISA credit cards. Make changes to existing accounts, including name, addresses and other pertinent or confidential information.
Provide members with loan applications and any other forms necessary to transact business with the Credit Union. May accept, review and process completed loan applications including, VISA, Consumer and Home Equity. Interview loan applicants; evaluate background information including credit history, employment history, and debt-to-income ratio of applicant. Determine collateral needs and payment plans for approved loans. Cross-sell payment protection, Guaranteed Asset Protection (GAP), and Mechanical Breakdown Protection (MBP). Assure that all conditions set for approval have been satisfied, and fund approved loans.
Control the vault which includes preparing and forwarding the order for cash to Loomis and Accounting. Verify cash received, fill MSR/UA cash orders, maintain full vault security and balance vault cash nightly. Assess the daily cash needs of the branch ensuring an adequate supply is on hand within vault limits.
Prepare, update and maintain daily/monthly Teller Statistic reports (i.e. Over/Short Report, Teller Transaction Report) and report findings to Branch Manager. Prepare other reports as requested by Management.
Update and maintain monthly reports, which include loans, payment protection, Guaranteed Asset Protection (GAP), and Mechanical Breakdown Protection (MBP) and Balloon Loan reports, as assigned.
Provide members with requested information regarding safe deposit box size, price, availability, rules and regulations. Open and close safe deposit boxes by completing contracts and obtain required signatures. Assist authorized members with entrance to safe deposit box. Assist branch manager with regular audits of safe deposit boxes.
Perform routine transactions involving Individual Retirement Accounts (IRA’s) and Health Savings Accounts (HSA’s), which include opening new accounts, making withdrawals, and closing accounts.
Knowledgeable about Power of Attorney laws and procedures.
Obtain a NMLS license, as assigned.
Audit Visa gift card inventory; replenish supply as needed.
Audit CD reports and Account Cards for accuracy and proper completion.
Assist with the completion of Operations Certification quarterly and ensure proper completion.
Provide overrides to staff and approve checks and wires within authority level.
Update and maintain Branch Audit Book and rotate retention files.
May train staff in the functions of new accounts, IRA’s, HSA’s, Certificates of Deposit and accepting loan applications as needed or assigned.
Serve as a Notary Public and Signature Guarantee, as assigned.
Maintain an appropriate level of supplies for member use in the lobby, as well as teller inventory supplies.
Prepare, update and maintain Certificate Audit report.
Perform MSR/UA Essential Duties and Responsibilities regularly.
Track and maintain visitor badge log for the branch, on a daily basis.
Provide high priority to member satisfaction; act in accordance with Sound Credit Union’s Brand expectations.
Report to work on time, as scheduled and abide by Sound Credit Union’s Personnel Policy concerning attendance.
Maintain intra/interdepartmental work flow by providing information to, and cooperating with co-workers and working on variety of special department projects as needed.
Stay current with operational changes and required trainings.
Experience: Two years successful work experience as a Member Service Representative III or equivalent position at another financial institution. New accounts experience is required. Lending, sales and leadership experience preferred. Two years or more experience in a management role or demonstrated experience in a leadership position required.
Education/Training: High School Diploma or equivalent. Two years of college or Bachelor’s degree preferred.
License or certificate: Must be bondable.
In place of the above requirements, the incumbent may possess any combination of relevant education and experience which would demonstrate the individual’s knowledge, skill, and ability to perform the essential duties listed above.
Knowledge, Skills & Abilities
The individual in this position should possess the following knowledge, skills, and/or abilities.
Knowledge of new account principles, savings, checking, money market, certificates of deposit, business accounts, Individual Retirement Accounts (IRA’s), Health Savings Accounts (HSA’s), ESA/Trust/Estate/Rep Payee/UTTMA/Guardianship and Blocked accounts.
Knowledge of the fundamentals of lending, and loan collection concepts and practices.
Strong background in operations and new accounts principles.
Provide effective and inspiring leadership and direction to the Credit Union by embracing, endorsing, and demonstrating the Leadership Execution and Accountability Principles (LEAP).
Ability to effectively present information to the Board of Directors, management and groups of people.
Ability to attain or have knowledge of local, state, and federal laws and regulations applicable to industry.
Knowledge of the Credit Union industry and its operating practices.
Knowledge of financial institution procedures, services and programs.
Advanced knowledge/understanding of the particulars of monetary transactions.
Excellent interpersonal and communication skills, including listening, oral, and written skills.
Proficient computer and typing skills, with intermediate knowledge/skills using Microsoft Office Suite.
Ability to work independently and as a team member while using discretion in decision making and sound judgment in problem solving.
Ability to work effectively, accurately, efficiently with a high degree of attention to detail.
Ability to organize and prioritize multiple projects and responsibilities while working in a fast-paced, deadline-oriented environment.
Ability to be flexible and responsive in order to provide the highest quality of service to internal and external members.
Must possess and exhibit a high degree of professionalism, maturity, and patience.
Requires the ability to read, write, communicate, and interpret information accurately in English.
Ability to add, subtract, multiply, and divide using whole numbers, common fractions, and decimals.
Ability to define problems, collect data, establish facts, and draw valid conclusion. Ability to interpret a variety of technical instructions.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential duties of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties.
Requires the ability to operate, repetitively at times, a personal computer and calculator. Also requires ability to operate multi-line telephone, printer, facsimile and photocopier.
Requires the ability to concentrate and consistently produce accurate work.
While performing the duties of this job, the employee is frequently required to sit for up to 4 hours at a time; use hand to find, handle, or feel, reach with hands and arms; and talk or hear.
The employee is occasionally required to stand, walk, stoop, kneel, crouch, or crawl.
The employee must lift and/or move up to 30 lbs., as needed.
Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
The work environment characteristics described here are representative of those an employee encounters while performing the essential duties of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties.
Duties are performed in an office environment but may also require traveling to other facilities using employee's personal transportation.
The noise level is moderate.
The physical exertion is moderate.
There are frequent employee/member contacts and interruptions in person and via the telephone during the day.