Assistant Branch Manager
UT Federal Credit Union, Knoxville, TN, United States
Summary
Supports the Branch Manager by overseeing the efficient operation of the branch, ensuring operational functions are being properly performed by staff in accordance with the established policies and procedures of the credit union. Mentors and coaches branch staff to ensure consistent quality service is provided to the membership. Performs specific lending, operational, and member service functions as delegated by the Branch Manager, including direct supervision of the branch staff. Assumes full responsibility for the operation of the branch during any absence of the Branch Manager.
Essential Duties and Responsibilities
Provides friendly, responsive service to all members; cultivates and maintains appropriate relationships with members and co-workers; abides by UT Federal Credit Union's Global and Departmental Service Standards and encourages teammates to do the same.
Responsible for all or part of the duties and responsibilities involved in scheduling and staffing, training, assignment of duties, and timely completion of duties in accordance with policies and procedures established by credit union.
Observes and monitors branch employees' adherence to service standards and provides feedback that builds on the strengths and minimizes the weaknesses of branch staff.
Works with the Branch Manager to set appropriate sales goals and coaches employees in effective use of sales skills.
Maintains thorough knowledge on all credit union products and services and related policies, procedures, and rules and regulations to serve as an escalation point for managing complaints, resolving problems, and answering questions.
Maintains the highest level of confidentiality with all member information.
Ensures that member financial transactions and member account file maintenance are performed efficiently, accurately, and in accordance with the established policies and procedures of the credit union.
Performs Medallion Signature Guarantee services and notary services, as requested by members.
Directs and monitors beginning of day and end of day duties, including processing night deposits, balancing cash and other daily transactions, and balancing and scanning checks.
Opens new memberships/accounts; adds shares, share drafts, certificates, and ancillary depository services to existing consumer accounts; adds owners, signers, and beneficiaries to existing consumer accounts.
Opens Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs).
Processes consumer loan applications, including:
Interviewing loan applicants and providing the necessary counselling on loan options, rates, terms, and collateral requirements
Gathering and verifying the required information for a credit application
Pulling and interpreting credit bureau reports
Underwriting and making loan decisions within established levels of lending authority
Preparing all necessary forms and documentation for loan products and add‑on services
Monitoring pending, approved, and denied loan files to ensure timely processing
Communicating loan decision and conditions to members in a timely manner
Offering ancillary services such as payment protection, Gap insurance, and extended warranties on all eligible consumer loans
Responsible for currency orders and shipments and ensures cash levels are in conformance with bond limits. Ensures all teller transactions are balanced daily.
Ensures that all internal audit policies and procedures are implemented and maintained to meet the requirements established by management and the internal audit program.
Assists with branch upkeep, including requesting supplies, preparing courier packages, scanning documents, properly preparing daily work for off‑site storage, and shredding appropriate documents.
Serves as acting manager in the absence of the Branch Manager, including supervision of Financial Consultants and managing branch operations. May act as an acting manager during Saturday shifts as needed.
Actively participates in branch and all‑staff meetings to maintain awareness of organizational issues and promotional campaigns; stays current on policies, procedures, and regulations.
Attends training classes to continuously increase job knowledge and overall performance; takes initiative for personal career development and seeks opportunities to learn new skills.
Supervisory Responsibilities
Directly supervises employees. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include training, planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
Performance Standards
Must have in-depth knowledge of all credit union services, operational policies and procedures, and be able to communicate this knowledge effectively to staff and members. Displays leadership ability plus a professional attitude and appearance at all times.
Minimum Requirements
Maintains the highest standards of ethical behavior.
Maintains a positive attitude with employees and members, and remains flexible while focused on accepted practices, policy, productivity and effectiveness.
Promotes awareness of the credit union mission and brand statement to the credit union membership.
Abides by the Service Standards established by the credit union.
Knowledge of financial products and services.
Demonstrated sales skills and ability to meet sales goals.
Has regular, predictable attendance.
Excellent verbal and written communication skills to communicate professionally.
Maintains a professional appearance in accordance with established dress code.
Technological skills and knowledge, including computer literacy.
Qualification Requirements
To perform this job successfully, an individual must be able to satisfactorily perform each essential duty. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Education and Experience
Associate's degree; plus one to three years' related experience in sales and lending services; or an equivalent combination of education and experience. Preferred minimum of six months in supervisory role.
Language Skills
Ability to accurately process account entries and transactions, write routine reports and construct basic correspondence to communicate professionally with members. Ability to speak effectively to members and employees of the organization. Ability to read and interpret basic forms, credit union documents, operating and maintenance instructions, and procedure manuals.
Mathematical Skills
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percentages.
Reasoning Ability
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving variables in situations. In certain circumstances, problem resolution may require considerable diplomacy while dealing with difficult people.
Certificates, Licenses, Registrations
Notary Public certification may be required.
Medallion Signature Guarantee certification may be required.
Physical Demands
The employee is regularly required to stand for extended periods; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee must be able to speak and hear distinctly. Specific vision abilities required: close vision, color vision, and ability to adjust focus. The employee may occasionally lift or move up to 30 lbs.
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Supports the Branch Manager by overseeing the efficient operation of the branch, ensuring operational functions are being properly performed by staff in accordance with the established policies and procedures of the credit union. Mentors and coaches branch staff to ensure consistent quality service is provided to the membership. Performs specific lending, operational, and member service functions as delegated by the Branch Manager, including direct supervision of the branch staff. Assumes full responsibility for the operation of the branch during any absence of the Branch Manager.
Essential Duties and Responsibilities
Provides friendly, responsive service to all members; cultivates and maintains appropriate relationships with members and co-workers; abides by UT Federal Credit Union's Global and Departmental Service Standards and encourages teammates to do the same.
Responsible for all or part of the duties and responsibilities involved in scheduling and staffing, training, assignment of duties, and timely completion of duties in accordance with policies and procedures established by credit union.
Observes and monitors branch employees' adherence to service standards and provides feedback that builds on the strengths and minimizes the weaknesses of branch staff.
Works with the Branch Manager to set appropriate sales goals and coaches employees in effective use of sales skills.
Maintains thorough knowledge on all credit union products and services and related policies, procedures, and rules and regulations to serve as an escalation point for managing complaints, resolving problems, and answering questions.
Maintains the highest level of confidentiality with all member information.
Ensures that member financial transactions and member account file maintenance are performed efficiently, accurately, and in accordance with the established policies and procedures of the credit union.
Performs Medallion Signature Guarantee services and notary services, as requested by members.
Directs and monitors beginning of day and end of day duties, including processing night deposits, balancing cash and other daily transactions, and balancing and scanning checks.
Opens new memberships/accounts; adds shares, share drafts, certificates, and ancillary depository services to existing consumer accounts; adds owners, signers, and beneficiaries to existing consumer accounts.
Opens Individual Retirement Accounts (IRAs) and Health Savings Accounts (HSAs).
Processes consumer loan applications, including:
Interviewing loan applicants and providing the necessary counselling on loan options, rates, terms, and collateral requirements
Gathering and verifying the required information for a credit application
Pulling and interpreting credit bureau reports
Underwriting and making loan decisions within established levels of lending authority
Preparing all necessary forms and documentation for loan products and add‑on services
Monitoring pending, approved, and denied loan files to ensure timely processing
Communicating loan decision and conditions to members in a timely manner
Offering ancillary services such as payment protection, Gap insurance, and extended warranties on all eligible consumer loans
Responsible for currency orders and shipments and ensures cash levels are in conformance with bond limits. Ensures all teller transactions are balanced daily.
Ensures that all internal audit policies and procedures are implemented and maintained to meet the requirements established by management and the internal audit program.
Assists with branch upkeep, including requesting supplies, preparing courier packages, scanning documents, properly preparing daily work for off‑site storage, and shredding appropriate documents.
Serves as acting manager in the absence of the Branch Manager, including supervision of Financial Consultants and managing branch operations. May act as an acting manager during Saturday shifts as needed.
Actively participates in branch and all‑staff meetings to maintain awareness of organizational issues and promotional campaigns; stays current on policies, procedures, and regulations.
Attends training classes to continuously increase job knowledge and overall performance; takes initiative for personal career development and seeks opportunities to learn new skills.
Supervisory Responsibilities
Directly supervises employees. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include training, planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
Performance Standards
Must have in-depth knowledge of all credit union services, operational policies and procedures, and be able to communicate this knowledge effectively to staff and members. Displays leadership ability plus a professional attitude and appearance at all times.
Minimum Requirements
Maintains the highest standards of ethical behavior.
Maintains a positive attitude with employees and members, and remains flexible while focused on accepted practices, policy, productivity and effectiveness.
Promotes awareness of the credit union mission and brand statement to the credit union membership.
Abides by the Service Standards established by the credit union.
Knowledge of financial products and services.
Demonstrated sales skills and ability to meet sales goals.
Has regular, predictable attendance.
Excellent verbal and written communication skills to communicate professionally.
Maintains a professional appearance in accordance with established dress code.
Technological skills and knowledge, including computer literacy.
Qualification Requirements
To perform this job successfully, an individual must be able to satisfactorily perform each essential duty. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Education and Experience
Associate's degree; plus one to three years' related experience in sales and lending services; or an equivalent combination of education and experience. Preferred minimum of six months in supervisory role.
Language Skills
Ability to accurately process account entries and transactions, write routine reports and construct basic correspondence to communicate professionally with members. Ability to speak effectively to members and employees of the organization. Ability to read and interpret basic forms, credit union documents, operating and maintenance instructions, and procedure manuals.
Mathematical Skills
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percentages.
Reasoning Ability
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving variables in situations. In certain circumstances, problem resolution may require considerable diplomacy while dealing with difficult people.
Certificates, Licenses, Registrations
Notary Public certification may be required.
Medallion Signature Guarantee certification may be required.
Physical Demands
The employee is regularly required to stand for extended periods; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee must be able to speak and hear distinctly. Specific vision abilities required: close vision, color vision, and ability to adjust focus. The employee may occasionally lift or move up to 30 lbs.
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