JOB DESCRIPTION

SUMMARY OF JOB FUNCTION

The Assistant Manager is primarily responsible for the supervision of customer service personnel and oversight of branch operations under the direction of the Branch Manager. Must be able to complete all Branch Manager duties during periods of time while the Branch Manager is absent from the office. As a NON-EXEMPT employee, you are expected to work the number of hours required to get the job done possibly working over 40 hours in the week. Any hours worked over 40 during the Saturday thru Friday pay week are paid as overtime (1 & ½ times the hourly rate). The position requires extensive proficiency in all phases of office administration, training/supervising/disciplining staff, communication with managers and Corporate Office personnel, communication with local dealers, outside sales, as well as maintaining a portfolio of accounts with limited lending authority.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Must be able to complete all Branch Manager duties during extended periods of time while Branch Manager is absent: pulls/reads and understands all branch reports including account promises, repossession, all delinquency, etc.; must be able to perform all aspects of the branch deposit including posting mail and counter payments, balancing the cash drawer and completing the deposit.
• Responsible for a portfolio of accounts: aggressively manages portfolio and participates in business development, makes effective sales calls on new and existing dealers, acquires new dealer agreements, generates application flow resulting in new contracts, meets and exceeds business generation goals.
• Effectively solicits and closes Indirect and Direct (where licensed) loans in accordance with volume goals; includes credit investigation, customer interview, collateral valuation, etc.
• Ensures the daily workflow is coordinated to include the timely distribution of the delinquent call list: 30-day delinquency, skip tracing, small claims, repossession disposition, field calls, etc. Must consistently meet and exceed the delinquency goals.
• Must be able to perform all aspects of branch administration: creation of new contract files, inputs customer contracts, verification of all pertinent documentation, responsible check signing, etc.
• Handle all Branch Manager functions during absences with regards to branch delinquency and administration meetings, reviews reports, makes delinquency decisions, addition of VSI, etc.
• Maintains compliance with industry regulations to include the Fair Debt Collection Practices Act (FDCPA), Dodd-Frank Act, and other federal and state regulations.
• Responds to customer issues when necessary.
• Cross-sells NFI products and services.
• As required, assists with the general housekeeping of the Branch.
• Performs other related job duties and special projects as assigned.

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

• Problem Solving – Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason when dealing with emotional topics.
• Delegation – Delegates work assignments; matches the responsibility to the person; gives authority to work independently; sets expectations and monitors delegated activities; provides recognition for results.
• Leadership – Honest; exhibits confidence in self and others; inspires and motivates others to perform well; effectively influences actions and opinions of others; accepts feedback from others; gives appropriate recognition to others.
• Oral Communication – (one-on-one and telephone); speaks clearly and persuasively in both positive and negative situations; listens to get clarification; demonstrates group presentations; responds well to questions.
• Written Communication – Writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; present numerical data effectively; able to read and interpret written information; and have great attention to detail.
• Ethics – Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically upholds organizational values.
• Judgment - 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.
• Dependability – Follows instructions, responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary (nights and/or weekends) to reach goal.

QUALIFICATIONS:  To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability to perform the essential functions

• Education and/or Experience – High School Diploma or equivalent with at least 2 years of business school or junior college courses; plus 2-5 years experience in banking, finance or automotive credit; or equivalent combination of education and experience.
• Language Skills – Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations; ability to write reports and business correspondence; ability to effectively present information and respond to questions from groups of managers, clients, customers, employees, and the general public.
• Reasoning Ability – Ability to define problems, collect data, establish facts, and draw valid conclusions; ability to interpret an extensive variety of technical instructions and deal with a variety of abstract and concrete variables.
• Computer Skills – Knowledge of PC’s, NFI software and related systems.
• Other Qualifications – Ability to effectively mentor and train others; understanding of the acceptance of loan payments to include cash handling.
• WPT – Wonderlic Personnel Test score of at least 27
• Credit – Positive credit history

PHYSICAL DEMANDS AND WORK ENVIRONMENT

• Ability to operate normal office equipment as required performing the essential job functions: keyboard, telephone, copier, facsimile, credit bureau, calculator, Loan Origination System, Servicing System, and other systems/software that the company utilizes as part of its overall population.
• 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 sit; use hands to finger, handle or feel and talk or hear; stoop, kneel and reach.  The employee is frequently required to reach with hands and arms.  The employee is occasionally required to stand; walk and crouch.  The employee must occasionally lift and/or move up to 20 pounds.  Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision and ability to adjust focus.
• The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  The noise level in the work environment is usually moderate.

DISCLAIMER

This job description is only valid as of the date it was created.  Please contact the Director of Human Resources to obtain the latest version.

Nicholas Financial, Inc., (NASDAQ: NICK), is a publicly traded subprime auto finance company, established in 1985, that specializes in purchasing and servicing auto loans made by franchised and independent auto dealers, via a network of company owned and operated branch offices. Also, please check out our Website at: nicholasfinancial.com