An Equal Opportunity/Affirmative Action Employer/Member FDIC
“As an organization and employer, we're defined by our people—neighbors helping each other for everyone's benefit.”
- ANNE REYNOLDS, VP, HUMAN RESOURCES AND CULTURE OFFICER
Interested in working with us?
BS&L was founded in 1912 as a mutually-owned, cooperative savings association, and while we’re now a full-service bank (still a mutual!) we continue to serve our three main stakeholders —our employees, our customers and our communities—with laser-like focus. We foster a culture of excellence and teamwork, actively respect, value, and support diversity and are proudly a Certified B Corporation™. We’re looking for employees who will share our passion for working in a fun and supportive environment, providing top-level service to our customers (who we tend to know) and leading our communities into a better future, while working hard, growing and advancing. We may be small, but we’re mighty. Sound like you?
If you would like to join our team, please email a cover letter and resume to areynolds@brattbank.com or mail to:
Brattleboro Savings & Loan | Attn: Anne Reynolds | PO Box 1010 Brattleboro, VT 05302
Branch Manager, Wilmington
HIRING RANGE $62,000 - $72,000 ANNUALLY
The Branch Manager is responsible for managing the day-to-day operations of the Wilmington branch as well as being the primary contact for consumer lending and business development. In conjunction with our Commercial Banking team, the Branch Manager will be responsible for increasing market share within Wilmington and surrounding communities, growing the banks’ customer relationships and managing the overall profitability of the office.
Primary Duties and Responsibilities:
- Establishes customer service standards with guidance from SVP/Senior Retail Banking and oversees the effective, efficient and friendly delivery of products and services to customers while always maintaining security procedures.
- Establishes sales goals for deposit services in conjunction with the SVP/Senior Retail Banking Officer. Ensures that deposit products are competitive.
- Responsible for the daily management, development, staffing, training and performance management of staff members.
- Develops new business with existing and prospective clients (in conjunction with the other departments of the Bank such as Mortgage and Commercial Banking) through outside sales calls and meeting with community leaders and other business members of the area.
- Works with SVP/Senior Retail Banking Officer in coordinating the development and implementation of ongoing programs including Customer Service initiatives, cross-selling programs, and deposit operational needs.
- Originates consumer loans. Refers mortgage and commercial clients to the appropriate teams.
- Identifies new cash management service opportunities and works with the SVP/Senior Retail Banking Officer to set up, train and support those business customers.
- Oversee the operation of the office by resolving problems with customers or staff that need immediate attention. Resolves any maintenance issues with the building with support of the appropriate Main office staff.
- Ensure operational processes and standard operating procedures (SOPs) are adhered to.
- Provides directions and support for staff when handling more complex retail transactions.
- Work collaboratively with key business and operational departments.
- Assists in maintaining and updating Retail’s key core processing platforms.
- Participates in a variety of civic activities contributing to the visibility of the Bank.
- Performs other duties and responsibilities as assigned.
Education, Skills and Experience Requirements:
- Bachelor’s degree in business or 5 years progressive banking experience including supervising staff.
- Three to five years of consumer lending and deposit services experience preferred.
- Sales experience in a goal-based environment preferred.
- Experience in leading, motivating and developing a team.
- Effective interpersonal and people management skills.
- Strong decision making and analytical skills.
- Demonstrates effective verbal and written communication skills.
- Possesses strong computer skills with the ability to work with multiple software programs.
- Community minded.
Commercial Credit Analyst, Brattleboro
HIRING RANGE $55,000 - $75,000 ANNUALLY
Under the direct supervision of the SVP, Senior Commercial Banking Officer, the Commercial Credit Analyst performs a variety of duties to support the Commercial Banking Officers in the determination of a Borrower’s credit worthiness and ongoing portfolio maintenance. Duties include analyzing and spreading borrower financial information, assessing collateral, performing industry comparisons, and stress testing. Typed comprehensive credit presentations will be performed that detail the findings of the information analyzed. The position will provide additional support as directed.
Primary Duties and Responsibilities:
- Works directly with the Commercial Banking Officers on new loan requests, renewals, and annual reviews.
- Prepares and presents comprehensive credit presentations for all new loan requests and annual relationship reviews for consideration by the loan officer, Senior Commercial Banking Officer, President & CEO, Loan Committee, and Board of Directors, as required.
- Thoroughly analyzes and presents business tax returns, personal tax returns, internal financial statements, and industry data, using the Bank's spreading templates. Adjust or create templates as necessary to fit individual loan requests.
- Analyzes and spreads financial statements to assess a borrower’s financial position and repayment capacity. Including, calculation of cash flow (stand alone and global), industry specific financial ratios, performance ratios, identification of trends, management quality, collateral analysis, and alternative repayment sources.
- Identifies potential areas of risk and risk mitigating factors, associated with repayment ability, industry trends, markets, collateral, or management experience.
- Assists with the ordering of appraisals and other collateral valuations. Maintains a working knowledge of appraisal valuation methods and concepts to review completed reports for accuracy and compliance.
- Attends internal and external joint meetings with Commercial Banking Officers and customers/prospects, as appropriate.
- Verifies financial packages for completeness. Follows up and collects current financial statements and information as necessary.
- Works with Commercial Banking Assistant to ensure files are complete and thoroughly documented.
- Ensures that underwriting is completed in conformance with Loan Policy and other established Bank policies.
- Assists in maintaining the accuracy and appropriateness of assigned credit risk ratings.
- Prioritizes to meet deadlines associated with closing transactions and timely completion of annual relationship reviews.
- Prepares reports for the commercial department, including monthly and quarterly reports for the Loan Committee and Board of Directors, and reports needed for commercial audits, as necessary.
- Participates in audits and loan review for the commercial department and interacts with auditors, as necessary.
- Performs scheduled internal monitoring reports for review at the Management Compliance Committee.
- Maintains a working knowledge of commercial loan documentation, processing practices, and relevant regulations.
- Maintains confidentiality of information obtained and utilized in the normal course of business. Uses discretion and tact when dealing with confidential and sensitive issues.
- Performs other duties and responsibilities including special projects as assigned by the Senior Commercial Banking Officer.
Education, Skills and Experience Requirements:
- Bachelor’s degree in business or 3+ years equivalent recent experience.
- Ability to understand accounting concepts, tax returns, economics, and financial ratios and concepts.
- Ability to write reports and business correspondence with a strong level of analytical/quantitative substance, and the ability to present these reports at meetings.
- Ability to solve practical problems and deal with a variety of variables in situations where only limited standardization exists.
- Exhibits strong organizational skills with the ability to plan, set priorities, multi-task, and meet deadlines in an environment where the potential for stress exists.
- Exhibits strong decision making and analytical skills.
- Capable of working in a team environment and independently as a self-starter with strong initiative.
- Proficient in Microsoft Office Suites, in particular; Word, Excel, and Outlook.
- Positive attitude and professional customer service required.
- Community minded.
