Assistant Branch Manager

Heights Finance Corporation Chattanooga, TN
Heights Finance Corporation is a leading consumer finance organization located in the Midwest with over 100 branches in six states. We are currently seeking a motivated, dependable, team oriented individual to join our team in the position of Assistant Branch Manager in our Chattanooga, TN location.

Heights Finance team members enjoy working in a growth-oriented company within an exciting industry, in a diverse work environment that offers great advancement opportunities, competitive salary and a comprehensive benefits package.

The Assistant Branch Manager will assist the Branch Manager in all aspects of branch performance including lending, collecting, control and profitability. This position will help in managing the branch operations and team members in the absence of the Branch Manager.

Some of the essential responsibilities are as follows:

Assist the Branch Manager in all aspects of branch performance:

* Process loan applications and closing of loan, ensuring that all information is complete on the application and accurate before proceeding

* Process and fund RIC applications

* Make lending decisions within guidelines set by the Branch Manager

* In the absence of the Branch Manager, supervise and coordinate activities of branch team members

* Manage relief assignments in other branches at the request of your District Manager

* Assist with the training of new team members and identify training opportunities for the branch team members while serving as an industry expert for existing team members

* Complete bankruptcy and repossession paperwork, ensuring all necessary information is complete and is compliant with corporate policy and state/federal laws

* Initiate reports for the Branch Manager including but not limited to matured account reports, charge off projections, customer credit limits, paid ahead accounts and CILA reports regarding judgments and repossessions

Business Development by Growth of Receivables:

* Actively present invitations for additional loan/fund resources to customers on new and/or renewed loan opportunities by sourcing the best loans (reviewing debts/assets)

* Generate loan applications by phone route or counter solicitation which results in loan closings

* Promote credit insurance products and ancillary products that are offered by Heights Finance Corporation according to our OPT In policies, procedures and guidelines

* Executes new customer growth by assisting Branch Manager in developing and maintaining a consistent Customer Referral Program for individual and dealer relationships

* Conducts face to face dealer calls on a regular basis as defined by your manager

* Adheres to credit policies and loan approval authority limits

Proactively Manages Delinquency by:

* Handling delinquent accounts with a sense of urgency

* Reviews the account to identify patterns, problems and resolves issues on a timely basis

* Negotiates payments with the goal of bringing account current and preventing charge off status

* Coaches on credit counseling and fact finding techniques to capture key information that locates customer (credit bureaus, skip traces, co-signers, references, etc.)

Job Requirements:

* 1-2 years consumer lending experience or related experience

* Prior collections experience/prior sales experience preferred

* Strong organizational skills. Strong written and oral communication skills. Ability to delegate, motivate and accomplish predetermined goals

* Working knowledge of MS Office is required and Gold Point Systems software experience (preferred)

* Maintain/obtain state insurance license

Chosen candidate will be required to successfully complete drug, background and credit screenings.

Education/Experience: BS/BA and/or High School Diploma and equivalent work experience and 1 to 2 years' experience in consumer lending industry/related experience or a combination thereof

Heights Finance Corporation is pleased to be an Equal Opportunity Employer. We value the diversity of our employees and the benefit it brings to our company.