Job Description

GENERAL SUMMARY:

The Assistant Manager must demonstrate proficiency in all aspects of Branch Management daily. The Assistant Manager is responsible for (1) managing the branch office during the Branch Manager's absence and (2) working with and for the Manager at all other times in operating the branch profitably, in compliance with Company policies and federal/state regulations. In this position an individual is "in training" to become a Branch Manager.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

1. Controls and monitors branch activities, as assigned, to ensure profitability and
achievement of budgeted objectives.

Extends credit (within established lending authority guidelines), using appropriate underwriting criteria, to customers (new, present, and former) Maintains satisfactory delinquency and charge off standards Maximizes efficiencies and the cost effectiveness of branch operations Prepares and maintains branch duty roster
2. Functions as Branch Manager in the absence of the actual Branch Manager. Performs relief management assignments, as directed

3. Demonstrates full familiarity with consumer loan investigation and approval process, including capability to reach correct lending decisions and define them. Closes consumer loans properly and finalizes transaction documents for filing per policy.

4. Helps to increase branch volume by generating new business sources and expanding current sources. Conducts on-site business development visits to dealers, as directed by the Branch Manager, with appropriate telephone follow-up.

5. Monitors compliance with all Company policies and applicable federal/state regulations

Ensures that Legal Logs are current Reports any policy/procedure deficiencies to the Branch Manager
6. Takes an active part in administering the branch's cash control operation

7. Maintains appropriate office appearance

8. Requisitions necessary office supplies and materials

9. Opens and Disburses incoming mail

10. Ensures courteous and efficient customer service

11. Solicits all eligible accounts on a regular basis

Takes all types of applications, in person and by phone, from potential customers Promotes and generates present borrower and former borrower applications Conducts mail solicitation programs Solicits portfolio acquisition opportunities
12. Works delinquent accounts to conclusion

Oversees delinquency and charge-off control programs that maintain division standard levels Works all potential charge-off to conclusion
13. Works with the Branch Manager in the supervision of the branch staff. Uses leadership skills and motivational techniques to maximize the productivity and job satisfaction of assigned employees.

Recommends, and carries out, training on an as needed basis. Develops employees to maximize potential and prepare individuals for promotion. Recruits and recommends the hiring of qualified employees As assigned, conducts employee meetings and coaching sessions Communicates standards of performance Assures consistent and fair treatment of all employees, working within Excel Finance policies and guidelines
14. Becomes familiar with all operational reports. As assigned, compiles information required by Company policy or for use in meetings, reports, etc., organizing the data in a format easily interpreted for decision-making.

15. Assists in leading Branch to achieve its annual Performance Plan

16. Perform other duties as assigned

COMPETENCY:

To perform the job successfully, an individual should demonstrate the following competencies:

Job Knowledge:

Competent in required job skills and knowledge. Exhibits ability to learn and apply new skills. Keeps abreast of current development. Requires minimal supervision.

Judgement:

Displays willingness to make decisions. Exhibits sound and accurate judgment. Supports and explains reasoning for decisions. Includes appropriate people in decision-making process. Makes timely decisions.

Initiative:

Must be proactive in soliciting eligible potential customers and current borrowers. Must work enthusiastically and productively with dealers. Must constantly be alert to opportunities to increase business in the branch, both from internal and external sources.

Decisions:

Must continually make decisions that will affect the lending and/or collecting of Company money.

Planning/Organizing:

Prioritizes and plans work activities. Uses time efficiently. Plans for additional resources. Integrates changes smoothly. Sets goals and objectives. Works in an organized matter.

Oral and Written Communication:

Speaks clearly and persuasively. Listens and gets
clarification. Responds well to questions. Writes clearly and informatively. Edits work for
spelling and grammar. Varies writing style to meet needs. Presents numerical data effectively.

QUALIFICATIONS:

Education/Experience:

High School or general education degree (GED) and 2-4 year of related experience and/or training; or equivalent combination of education and experience.

Skills:

Data Entry, phone answering, personal computer, 10-key, WPM 40 and Microsoft Office

Reasoning Ability:

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

Licenses:

None

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand, walk, and reach with hands and arms, and use hands to finger, handle, or feel. The employee is occasionally required to sit, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds.

Job Type: Full-time

Pay: From $14.00 per hour

Benefits:

401(k) Dental insurance Health insurance Paid time off Vision insurance
Work Location: In person