BRANCH MANAGER

JOB SUMMARY

Accountable for the day-to-day activities of the branch. Ensures that all policies and procedures are carried out effectively. Maintains communication between the staff and upper management. Provides support, training, and guidance to the staff. THE FIRST DUTY OF A MANAGER IS TO PRODUCE A SATISFACTORY PROFIT.

REPORTING RELATIONSHIPS

The Manager position oversees 1 to 4 employees within their location.


DUTIES & ESSENTIAL JOB FUNCTIONS

The manager must make sure that all daily duties of the branch and staff are completed every day. Efficiency is maintained by training employees continuously on company policy and procedures. Ensures all Federal, State, and Local laws are in compliance and that best ethical standards are followed. The manager provides leadership necessary to motivate employees and creates and maintains a high degree of branch production by meeting and exceeding company standards involving loans, collections, and expense control. The Manager must maintain consistent growth in accounts and receivables through retention of customers and effective advertisement. As needed, special reports may have to be prepared. By controlling the assets, proper credit extension, collection routine, thorough follow-up, and handling of past-due customers, the manager will create and maintain a successful and profitable branch.

OTHER FUNCTIONS AND RESPONSIBILITIES

1. Ensure that all personnel are at work on time and manage those employees time throughout the day, by effectively coaching your staff.
2. Ensure that all reports and records are prepared by the branch and assure that the required reports reach the home office and district supervisor complete, accurate, and ON TIME. Acknowledge receipt of all correspondence from the home office requiring an answer the day that it is received.
3. Trains all employees on how to properly perform all functions of a loan office, to include: take and process an application, how to properly work the counter and take payments, how to properly enforce the contract with customers, how to properly make collection calls, and how to properly close a loan. The manager should do these very important tasks better than anyone else in the office.
4. Approve and close all New, FB, and Dual loans.
5. Approve and close all increases on loans of established accounts.
6. Handle, approve, and close all delinquent loans (30 days or more past due).
7. The manager, along with the assistant manager(s) and CSR, will make sure that all delinquent work is completed each day by 2:00 pm and that all of the customers' records are filed in the proper fireproof cabinets at closing time.
8. Make certain that the office is kept neat and orderly at all times.
9. Recommends and handles all legal procedures taken against customer.
10. Refund any fees or charges made in error even if the amount due is only one cent. Make the refund immediately upon discovery. Any insurance cancellation funds must be promptly and systematically made to the customer in the prescribed manner.
11. Distributes Life, Accident and Health, Auto, and Fire Insurance claims to customers. Also, receives all claims from customers and files weekly with the insurance carrier. Maintains proper insurance claims records and reports on insurance claims register located in branch stat book.
12. Directs all calls from attorneys, newspapers, reporters, etc. to the home office.
13. Verifies cash monthly by balancing cash drawers and maintaining cash count records.
14. Exercises some ownership in judgment when making decisions affecting the branch and its personnel, control of assets, and credit decisions.
15. Approves all supply requisitions.
16. Properly handle all customer inquiries and disputes.
17. Protects all customer information making certain all customer information is properly accounted for at all times and is stored securely each day before closing the office.
18. It is the branch personnel's responsibility to consistently achieve company production standards.

EXPECTATIONS

All branch managers must know and understand that nothing less than the following expectations is acceptable:

1. Minimum loan business profit standard must be met in their office each month.
2. Credit must be extended per policy in a manner that does not result in unacceptable losses.
3. Collection routine must be worked per policy in a manner that does not result in sub-standard operations and/or unacceptable losses.
4. Minimize expenses. Make sensible decisions that provide your branch to be efficient and profitable.
5. All Sunset Managements policy and procedures must be followed.
6. All laws and regulations must be followed.
7. Prepare, motivate, and retain all branch employees.

REQUIRED

Previous manager experience in the finance industry a plus.


PHYSICAL REQUIREMENTS/WORK ENVIRONMENT

The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Work is primarily sedentary in nature; no special demands are required.