Job Description

JOB DESCRIPTION

POSITION: ASSISTANT BRANCH MANAGER 

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DEPARTMENT

Operations

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REPORTS TO

Branch Manager

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SUPERVISE

N/A

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WORK SCHEDULE STATUS

Full-Time, Non-Exempt

Monday, Wednesday, Thursday 09:00AM-5:00PM

Tuesday 09:00AM-7:00PM

Friday 09:00AM-05:30PM

Work hours are subject to change as needed by company management

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Job Purpose

Manages the daily operations of the Branch; proactively reviews daily level of staff coverage; monitors and approves daily expenditures.  Analyzes and originates, approves or denies, recommends counteroffer and up-selling opportunities for loans.  Assists Branch Manager with service to existing and potential customers.

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I. ESSENTIAL DUTIES

• Provides service to customers and prospective customers seeking loans.  Extends credit to individuals through a variety of loan programs.  Represents the company in the community and develops and promotes additional business.
• Obtains applicable, required licenses to sell insurance products that are offered by the branch to customers.
• Proactively reviews daily staffing levels to insure level of coverage sufficient to provide quality customer service while controlling unnecessary expense.  Monitors actual hours worked to insure proper utilization of staff.
• Provides service to internal and external customers as needed.  Approves exceptions to policy as authorized by Manager based on nature of exception, customer retention needs and related factors.  Resolves product service, and policy related problems for customers with exceptional timeliness, accuracy and professional courtesy.  Originates, reviews and approves loan applications; reviews approved loans for possible up-selling, denied loans for possible counteroffer and settled loans for completeness of documentation.
• Responsible for the sale of company products and services.  Places inside sales calls to increase customer base.  Responsible for the retention and maintenance of existing accounts as well as developing awareness of other sales/service activities.
• Assists Branch Manager with administrative work for existing and potential customers; completes reports, initiates contact with customer as Manager’s direction to acquire additional financial information and communicate/resolve problem situations.
• Monitors and approves monthly expenses, verifying expenses against corresponding entries in annual business plan and documenting variances.  May assist Manager in preparation of annual budget.
• In manager’s absence, coordinates functions and daily operational issues through communication with Regional Manager.
• 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.
• Additional duties and responsibilities may apply.

II. EDUCATION/QUALIFICATIONS

• High school diploma plus either completions of an Associate’s Degree (or two years of college course work) in a discipline such as personnel management, business, accounting, marketing, finance, administration, economics; or recent successful (within past three years) completion of a lending training program or other closely aligned course of study.  Four years of related experience in a sales/and/or financial services industry can be substituted for the college degree or completion of the lending training program.
• In addition to the educational requirements listed above, incumbents must have an additional three years of related experience in a financial services, insurance or sales industry.
• Outstanding interpersonal, problem solving and organizational skills required at time of hire and ongoing to resolve problems for customers, to interact effectively with all levels of employees and all type of customers, both internal and external and to successfully utilize financial, human and technological resources to meet established business goals.
• Must possess excellent written communication skills to compose professional, error free correspondence, together with sufficient personal computer skills to compose such correspondence and format various reports utilizing PC software.
• Obtaining applicable insurance license is required.

Company Description

Who is Mariner Finance? Founded in 2002 by a group of leading experts in the consumer finance industry, Mariner Finance was established to provide customers with creative, flexible, and convenient lending options. At the core of Mariner Finance is the principle that superior customer service is the driving force behind building lasting relationships.