Branch Manager

Position: Branch Manager

Hours of Work:

Saturday hours required seasonally and as business needs require

Full-Time, Exempt

To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business needs. Work hours will depend on the business hours of the time zone serviced.

Supervisory Responsibility: All Branch Personnel

Reports To: District Manager

In This Role, You Will:

Be responsible for leading a team, running a profitable operation, maintaining compliance and providing leadership in the branch. Specific responsibilities include consistently achieving annual growth goals, approving or denying loans consistent with credit authority, reducing loss rates in the branch, and ensuring compliance and implementation of policies and procedures.

Responsibilities and Essential Duties:

• Exercises lending authority when reviewing and approving applications and uses product knowledge in offering loan solutions that meet customer need.
• Manages the retention and maintenance of existing accounts, including lending and collecting, to achieve branch sales and delinquency targets/goals.
• Consistently and regularly coaches branch staff by providing actionable feedback in order to achieve branch goals, minimize turnover, and create a positive branch environment.
• Prepares and submits reports reflecting branch activity and growth as needed.
• Develops additional business by networking with local establishments, such as retail and automobile businesses, and building strong community relations.
• Implements internal branch auditing procedures, which properly control all negotiable items and company records held within the branch.
• Manages approval of exceptions to policy as authorized by management based on the nature of exception, retention needs, and related factors. Uses problem-solving skills to resolve product, service, and policy-related obstacles for customer.
• Exercises authority to ensure policies and procedures are met when monitoring/approving monthly expenses using annual business plan.
• Promptly investigates and thoroughly works to resolve customer and employee inquiries and complaints.
• Attracts high-quality and diverse talent, coordinates and interviews prospective candidates, and makes recommendations to management for vacancies.
• Participates in company meetings and professional development activities to keep abreast of current trends and changing environment to enhance competency.
• May perform additional functions depending on market demand and branch staffing in order to provide consistent quality customer service. Other functions include but are not limited to: collecting payments, completing and processing loan applications, contacting customers for late payments, cashiering, answering phones, photocopying, filing, etc.

Required Qualifications:

• Minimum of three (3) years of related experience in the Consumer Lending and/or Financial Services industry.
• Two (2) years of successful supervisory experience, or recent successful (within past three (3) years) completion of a lending training program (e.g., Mariner’s BMT program) or other closely aligned course of study. Additional, applicable years of experience may be substituted for supervisory experience.
• Bachelor’s degree in a discipline such as Business, Accounting, Finance, Administration, Economics; or military rank (e.g., E-4, W1, or O1 and above). Additional, applicable years of experience may be substituted for degree.
• Reliable transportation required.
• Excellent written and verbal communication skills with the ability to communicate effectively with customers and company personnel.
• Highly proficient in Microsoft Office or similar programs with knowledge of and the ability to learn financial services programs.
• Ability to complete essential duties/functions in a timely, accurate manner.
• Demonstrated problem-solving skills, project leadership skills, and interpersonal skills in demanding situations.
• Must obtain applicable, required licenses to sell insurance products that are offered to customers by the branch.
• Must perform work related tasks at the assigned branch location except in the event of an emergency as determined by the company in consultation, as necessary, with applicable regulatory agencies.

Preferred Qualifications:

• Bilingual fluency in Spanish/English.
• Has, in good standing, applicable, required licenses to sell insurance products offered to customers by branch.

Physical Demands:
While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; operate computer and phone systems; and talk or hear. The employee is occasionally required to move about the branch. The employee is required to be physically present in the office. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time of without notice.