This position is responsible for the complete supervision and operation of the branch office in the most profitable and efficient manner by adhering to all Company policies, standard operating procedures, and regulatory requirements.
The Branch Manager II (BM II) supervises trains, evaluates, and coordinates all activities of the branch staff engaged in making all loans and collections of delinquent customer accounts.
The Branch Manager II also serves as the Branch Mortgage Loan Originator and must have extensive product knowledge to identify needs, make proposals and close mortgage loans with existing customers and prospects. This position is responsible for the direct contact with borrowers during the loan origination process, which may include soliciting, negotiating, quoting rates or terms, acquiring, arranging and making mortgage loans. Operates within delegated authorities for lending limits and loan pricing and accurately completes documentation for mortgage products minimizing exceptions.
The BM II is responsible for hiring and developing a staff that meets its highest potential, and constantly strives to improve abilities, initiative, judgment, dependability, and enthusiasm while valuing personal integrity. This position administers all branch personnel management including hiring, terminations, performance reviews, salary administration, and conflict resolution with direction from the Regional Operations Director.
The Branch Manager II exemplifies the best customer service and takes every opportunity to strengthen the Company’s public relations image with community affairs. This person develops and assures that branch growth and profitability goals and objectives are met, and maintain contact with customers, merchants, and community to encourage and develop new business.
The BM II is ultimately responsible for all loans and recovery through personal contacts of the most seriously delinquent customers.
The BM II assures that all cash drawer safeguards are maintained, as well as maintaining accurate records and reports. This person is capable of performing all duties required of all other branch employees and may be called upon to fill in for absent branch personnel. They approve consumer loans and sales finance contracts within assigned credit limits and are responsible for the daily delegation of solicitation, calling upon sales finance dealers, and overseeing other business development.
The BM II is ultimately responsible for all daily solicitation, delinquency control, profitability, cash control, processing of loans and sales finance applications, correspondence, completion of loan documents, and oversees all functions of the branch.
The BM II must develop a thorough knowledge of Company policies and procedures and develop and maintain technical skills such as: operate standard office equipment, computer terminal, copiers, and calculators, be able to handle and count cash, and type accurately and proficiently.
The BM II must be able to organize and prioritize work to meet deadlines for themselves and their employees.
EDUCATION AND EXPERIENCE:
Must be able to read, write, speak, and understand English well.
Minimum of 1 to 2 years experience as a Branch Manager in financial services or related field dealing with customers.
Must have a high school diploma or GED.
Ability to meet current licensing requirements of various federal and state regulators and insurance companies.
Must have, or be capable of quickly obtaining and retaining certification of a licensed Mortgage Loan Originator nationally and in Louisiana.
Must possess a valid driver’s license and have access to the use of and ability to operate a personal automobile.
Must successfully complete the 1st Franklin Financial training courses and be willing to continue to meet company training educational requirements.
Must attend company “Effective Personnel Management" training courses, including but not limited to, training in the areas of Sexual Harassment, Harassment, discrimination, intimidation, hostile work environment and hiring practices, and comply with all policies and procedures regarding such training.
Interested parties are not considered to be applicants unless they are asked to fill out a 1st Franklin Financial employment application.
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1st Franklin Financial Corporation has been engaged in the consumer finance business since 1941, particularly in direct cash loans and sales finance loans. The business is operated through 108 branch offices in Georgia, 39 in Alabama, 41 in South Carolina, 31 in Mississippi, 20 in Louisiana and 6 in Tennessee. In August of 2008, the company had aproximately 1100 employees.
As of August 2008, the resources of the Company were invested principally in loans which comprised 69% of the Company's assets. The majority of the Company’s revenues are derived from finance charges earned on loans and other outstanding receivables. Remaining revenues are derived from earnings on investment securities, insurance income and other miscellaneous income.