ANB Bank hires individuals who provide excellent customer service and buildmeaningful relationships with our customers and within our communities. ANBis committed to rewarding our team members who strengthen our company andculture. ANB offers competitive compensation and a comprehensive benefitspackage for this position.

　　Anticipated Date of Application Window Closure: 02/16/2024 (or until filled)Hiring Pay Range: $60,000.00 - $65,000.00 per year

　　Benefits Package Offered (Subject to Eligibility Requirements)

　　Paid Vacation, Sick, and Holiday TimeDiscretionary Annual Bonus and 401(k) MatchCompany Subsidized Medical, Dental, and Vision Insurance Available forEmployee, Employee +Spouse, Employee +Child(ren), and Employee +FamilyHealthcare and Dependent Care Flexible Spending AccountHealth Savings Account and Limited Purpose Flexible Spending Account for HighDeductible Health Plan (HDHP)Company Provided Employee Life, Employee AD&D, and Long-Term DisabilityInsuranceSupplemental Life Insurance for Employee, Spouse, and Child(ren)Supplemental AD&D Insurance for Employee and SpouseShort-Term DisabilityEmployee Assistance ProgramTuition Assistance ProgramProfessional Development ResourcesEmployee Banking ServicesFree Employee Parking

　　Summary

　　Manages the day-to-day activities of the branch with regard to personnel;internal sales and service; security; daily operations; and compliancewith applicable regulations, policies, and procedures. Responsible forcollaborating and coaching branch personnel to provide the highest level ofcustomer service and effective promoting and selling of products andservices; for the generation and maintenance of retail loans to consumer andsmall business clients; and ensuring that retail loans are in compliancewith the bank's policies, procedures, and applicable laws and regulations.

　　Qualifications

　　To perform this job successfully, an individual must be able to perform eachessential duty satisfactorily. Reasonable accommodations may be made to enableindividuals with disabilities to perform the essential functions.

　　Essential Duties and Responsibilities

　　Directly supervising the Universal Bankers at the assigned Branch. Responsiblefor daily work schedules, hiring, training, cross-training, goalsetting and development, performance evaluation and disciplinary counselingof this staff.Managing customer relationships, handling customer problems andcomplaints, resolving issues to improve overall service to bank customers.Instilling a sales culture through consistent training and development ofemployees.Reviewing and approving the daily overdraft report.Monitoring branch operations and profitability. Helping attain internalperformance objectives for branch business volume, deposit and loan growthand monitoring branch budget to include income and expense control.Managing promotional campaigns and product initiatives for the assignedbranch.Consistently developing employees to prepare for career advancement.Actively involving the branch in the community.Monitoring documentation for new account openings, wire transfers, etc.Interviewing retail loan applicants to determine their needs and advise themof various credit products. Requesting specific information necessary for loanunderwriting.Taking applications for Consumer Loan products; recommending the bestproduct to meet the customer's needs, discussing rates, and payment schedules.Analyzing the creditworthiness of the customer by pulling credit reports,ordering appraisals, analyzing collateral, and applying sound lendingpractices and procedures as outlined in the Sturm Bank Group Credit Manual.Conducting loan closings, including the review of documents, repaymentschedules, insurance and lien holder requirements, method of payment,and cross-selling of bank products and services.Presenting the loan to appropriate management for approv l, however theBanking Officer is fully responsible for the credit quality of loans produced.Actively calling and seeking new prospective clients for the bank.Fostering many complex and sophisticated bank relationships through thecross-selling of products and services, requiring teamwork with CashManagement, Private Banking, Commercial Banking, and InvestmentManagement & Trust.Ensuring that the appropriate information necessary to finalize incompleteloan packages is collected.Communicating as required with Supervisor to advise of any underwritingproblems.Responsible for working with customers in the loan portfolio that are past dueon payments to make arrangements for payment and ensure collection. Inaddition, this position may work the past due accounts for the OverdraftProtection accounts.Responsible for preparing a package of documents, including a 2nd reviewrequirement, and submitting them to the Adverse Action department in LoanAdministration. Once the adverse action forms are generated by LoanAdministration, the Branch Manager is responsible for reviewing andapproving the forms and mailing the forms to the applicant in accordance withthe Equal Credit Opportunity Act (ECOA).Responding to telephone and written inquiries concerning policy,procedure, and program guidelines in a timely manner.Staying abreast of any changes in loan underwriting provisions.