Assistant Branch Manager

COMPANY PROFILE

Del-One Federal Credit Union (Del-One) is a member-owned, financial cooperative and has been a part of the community for over 65 years. The mission of Del-One focuses on helping members to live a better financial life. Del-One staff work as member advocates; learning about their needs and wants and helping them to find ways to reach their financial goals. Del-One is more than just a full-service financial institution with 15 branch locations throughout Delaware. It is a place where members are treated like family, are encouraged to discuss their goals and where they will receive assistance in creating and building their own financial success stories.  

Del-One is currently the largest credit union in the state and strategically positioned to deliver on the organization’s brand promise of providing value to its membership through innovative product development and exceptional service. Del-One continues to create compelling career and professional development opportunities up and down the organization recognizing the success of the credit union is driven by the engagement and strength of the team.  

POSITION PURPOSE

Primary duties include cultivating an effective sales and service culture by coaching branch staff and by recognizing and rewarding your staff for their achievements. Serve a fundamental role in the day-to-day support for the branch sales and service efforts and provide support to the Branch Manager’s community involvement, volunteerism, and business development efforts by acting as a joint Ambassador of the organization. 

The Assistant Branch Manager fosters a member centric culture in accord with credit union values, policies and guidelines in which all employees may perform their best work in a team environment. Leads and coaches staff to an exceptional member experience, handles customer questions, concerns, and complaints as escalated by branch staff or as needed, utilizing department specified tools and protocols.

Responsible for assisting with the direction and administration of Branch operations. Understands, interprets, explains, and applies policies and procedures and communicates clearly to staff. Ensures that established policies and procedures are followed. Oversees the provision of a full range of services to members and prospective members. Ensures that members are promptly and professionally served. Acts as Branch Manager as necessary. Trains, directs, and assists in supervising Branch staff. Performs various Branch functions as required.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

Assumes responsibility for assisting in the supervision of Branch operations. 

• Develop new customer relationships and expand and retain existing relationships by proactively identifying financial needs of the credit union’s members and present all appropriate product and service options by working cooperatively with appropriate internal business partners. 

Provides consultative services to Members regarding credit union products and services and ensures that team members are providing consultative services by assessing the Member's needs, addressing their concerns and gaining agreement.

• Ensures that operations are conducted in accordance with established Credit Union policies, legal and regulatory requirements, and audit standards. Provides suggestions for improved effectiveness. 
• Ensures Branch security. Assists with opening and closing the building in accordance with set hours. Tests security equipment as assigned. Assists with vault responsibilities. 
• Ensures that the Branch balances all transactions at the close of each day. Proofs Tellers, runs related reports, and balances the vault at the end of each day. Provides assistance to Tellers and MSRs as needed. Completes month end certification of all cash items and negotiable instruments. 
• Assists with MSR functions. Performs duties related to loan processing, certificates of deposit, IRAs, and processing death and disability claims. Handles direct deposit functions and safe deposit boxes. Assists in opening new member accounts and with loan closings and disbursements. 
• Promotes Branch business development and seeks to broaden member base. Actively cross-sells Credit Union products and services through support of community development activities and initiatives
• Acts as a Loan Officer; processing and approving member loans within established policies and limits. 
• Completes required reports and records and ensures that Branch functions are properly documented. 
• Assists with implementing changes to established policies and procedures within the Branch. 
• Complies with all Credit Union policies and procedures including those related to Bank Secrecy Act regulations.

Assumes responsibility for establishing and maintaining effective coordination and working relations with Branch personnel. 

• Provides assistance, direction, and supervision as needed, including guidance for Member Advocates.
• Reviews and monitors the work of Branch personnel. Provides suggestions and support as necessary. 
• Assists with orientation of new employees and staff training sessions. Ensures that personnel are well trained in all phases of their respective jobs. Performs cross training as necessary. 
• Assists with determining appropriate staffing levels and scheduling employees. 
• Assists with tracking individual progress and conducting performance appraisals. Formulates and implements corrective actions as needed. 
• Maintain thorough knowledge of all procedures affecting branch activities to complete appropriate action as required by circumstance.

Assumes responsibility for establishing and maintaining effective, professional business relations with members. 

• Ensures that members' requests and questions are promptly and courteously resolved. Answers members’ questions or refers appropriately. Verifies deposits and provides payoff and bluebook quotes. 
• Ensures the members are informed of Credit Union services, products, and policies. Cross-sells services. 
• Ensures that the Credit Union's professional reputation is maintained. 

Assumes responsibility for related duties as required or assigned.

• Replaces Branch Manager as necessary. Assists with personnel functions as assigned. 
• Ensures that work area is clean, secure, and well maintained. 
• Assists with weekly audits if the TCD, ATM, and coin machine. 
• Assists with the weekly ordering and receiving of branch cash shipments. 

PERFORMANCE MEASUREMENTS

• Branch services are efficiently and effectively delivered in accordance with established Credit Union policies and standards. 
• Good business relations exist with members and their questions and problems are promptly resolved. 
• Good working relations exist with Branch staff. Assistance is provided as needed. 
• Required reports and records are accurate and timely. 
• Management is appropriately informed of area activities and of any significant problems. 

QUALIFICATIONS

EDUCATION/CERTIFICATION: 

• Associate degree or equivalent experience  

REQUIRED KNOWLEDGE:  

• Thorough knowledge of Credit Union products, services, and policies 
• Understanding of financial terminology and calculations  
• Understanding of Teller and Member Service Representative functions 
• Proficiency in Microsoft Applications 

EXPERIENCE REQUIRED:

• One to three years of related operations experience required 

SKILLS/ABILITIES:    

• Strong interpersonal and communication (verbal and written) skills 
• Proven track record at successfully identifying and pursuing business development opportunities including coaching and management of branch staff.
• General knowledge of the functions of other departments and those that directly support branch sales, service and operations.
•  Moderate mathematical skills 
•  Well organized 
•  Able to operate related computer applications and basic business equipment 
•  Good marketing skills 
• Good supervisory abilities 

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

REPETITIVE MOTION: Movements frequently and regularly required using the wrists, hands, and/or fingers 

TALKING: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly 

AVERAGE VISUAL ABILITIES: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery 

AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary information 

PHYSICAL STRENGTH: Medium work; exerting up to 50 lbs. occasionally, and/or up to 20 lbs. frequently, and 10 lbs. constantly 

WORKING CONDITIONS

NONE: No hazardous or significantly unpleasant conditions 

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

REASONING ABILITY:

• Ability to apply logical or scientific thinking to define problems, collect data, establish facts, and draw conclusions 
• Able to interpret a variety of technical instructions and can deal with multiple variables 

MATHEMATICS ABILITY: 

• Ability to compute discount, interest, profit, and loss; commission markup and selling price; ratio and proportion and percentage 
• Able to perform very simple algebra 

LANGUAGE ABILITY:  

• Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias 
• Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style 
• Ability to conduct training, communicate at panel discussions and to make professional presentations 

INTENT AND FUNCTION OF JOB DESCRIPTIONS

Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well constructed job descriptions are an integral part of any effective compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.