BRANCH MANAGER TRAINEE JOB DESCRIPTION

Account delinquency climbs when no one owns both the loan approval decision and the recovery conversation with the borrower. The Branch Manager Trainee holds both. Over a structured 15-month program, this role learns consumer lending operations from origination through collections, preparing to run a branch office independently. The trainee earns credit authority, manages policy exceptions, and develops the portfolio management instincts that a full Branch Manager carries daily.

As the Branch Manager Trainee, you are accountable for mastering consumer loan origination, customer retention, and branch operations under the guidance of an experienced Branch Manager, with a defined timeline toward independent leadership. You work directly within the branch team, coordinating with the District Manager on staffing, expense standards, and delinquency reporting while building the skill set required to own branch profitability.

Career Impact: Earning lending credit authority and completing a Branch Compliance Officer-level training track establishes a verifiable, market-recognized record in consumer finance that transfers across lenders and markets.

Business Impact: The Branch Manager Trainee directly affects loan portfolio growth and delinquency rates, two metrics that determine whether a branch meets its net income targets each month.

Growth Opportunity: The structured path from trainee to Branch Manager typically spans 15 months, after which you step into full P and L ownership, team leadership, and authority over exception approvals.

Company Value: The role includes community representation responsibilities and inside sales activity that give trainees external visibility well before they hold the Branch Manager title.

• Review and approve consumer loan applications using delegated credit authority to offer solutions that match borrower need.
• Manage policy exception approvals within authorized limits, weighing retention value against compliance risk on each case.
• Monitor branch delinquency standards and use account management practices to support customers in overdue status.
• Coordinate branch staffing levels and daily operational coverage with the Branch Manager to maintain service and expense targets.
• Develop subject matter expertise in personal loan products and present options to current and prospective customers.
• Assist in designing marketing strategies to grow the branch loan portfolio and increase profitability over defined periods.
• Represent the branch in the community by promoting financial products and maintaining business-to-business contacts.
• Complete weekly progress reports and track daily, weekly, and monthly goals in partnership with branch management.

• Bachelor's degree in business, finance, economics, management, or a related field, or equivalent work experience.
• Two or more years of customer-facing experience in consumer lending, financial services, or a closely related industry.
• Demonstrated ability to exercise credit judgment and resolve product, service, and policy obstacles under pressure.
• Effective written and oral communication skills, including professional correspondence and structured report formatting.
• Willingness to relocate for career advancement and ability to travel to surrounding branches as required.
• Valid driver's license, reliable transportation, and ability to pass drug, criminal, and credit background checks.
• Ability to obtain applicable state licenses to sell insurance products offered through the branch.

• Prior completion of or eligibility for Branch Compliance Officer (BCO) certification or equivalent compliance coursework.
• Bilingual proficiency in English and a second language spoken in the branch's primary service community.
• Demonstrated leadership experience in a branch, retail banking, or team-lead capacity.
• Internship or work experience specifically in personal loan origination or consumer collections.

• Loan portfolio growth rate, measuring net increase in active accounts under branch management.
• Delinquency rate as a percentage of total accounts, tracked against branch targets monthly.
• Policy exception approval accuracy, reflecting sound judgment within delegated credit authority limits.
• Customer retention rate on existing accounts, measured through inside sales call outcomes and account renewal.
• Progress report completion rate and goal attainment against daily, weekly, and monthly benchmarks.
• Typical tools: Loan origination platforms (commonly browser-based LOS systems) and office productivity suites (commonly MS Office).

• Base Salary Range: $38,000 to $52,000 annually, depending on location and prior experience.
• Bonus: performance-based incentive tied to branch loan volume and delinquency metrics.
• Equity: not typical at this level in consumer lending.
• Health Benefits: medical, dental, and vision coverage standard for full-time branch employees.
• PTO: 10 to 15 days annually, plus standard federal holidays.
• Common Perks: Mileage reimbursement, relocation assistance, and company-paid licensing and training costs.

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Background checks, including criminal history and credit history review, are a condition of employment for all candidates who reach the offer stage. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under applicable federal, state, and local law. Reasonable accommodations are available to applicants with disabilities throughout the hiring process upon request. Candidates must be authorized to work in the United States without sponsorship.

The Branch Manager Trainee owns the day-to-day execution of branch operations, reviewing and approving loan applications, managing policy exceptions, and coordinating with the District Manager to maintain service and expense standards. Working alongside the Branch Manager, the role builds community presence and supports business growth by delivering loan solutions that meet customer needs and sustaining existing accounts through proactive inside sales.

Key Responsibilities

• Review and approve loan applications using credit authority and product knowledge to offer appropriate loan solutions.
• Achieve individual and branch goals related to the sale of company products and services.
• Represent the company in the community by promoting and delivering products and services.
• Assist management in monitoring daily staffing levels to ensure quality customer service and expense standards.
• Manage approval of policy exceptions based on retention needs and related factors.
• Use problem-solving skills to resolve product, service, and policy-related obstacles for customers.
• Maintain existing accounts through inside sales calls to develop awareness of products and services.
• Assist the Branch Manager in managing multiple priorities, initiating customer contact, completing reports, and resolving issues.
• Provide leadership to branch team and coordinate daily operations with the District Manager in the manager's absence.
• Perform additional functions including collecting payments, processing loan applications, contacting customers for late payments, cashiering, and filing.

Required Qualifications

• Bachelor's degree or four years of related experience in Consumer Lending or Financial Services, or qualifying military rank.
• Valid driver's license and reliable transportation required, with willingness to relocate and travel to surrounding branches.
• Customer service experience, preferably in Consumer Lending or Financial Services.
• Effective written and oral communication skills and ability to compose professional correspondence and format reports.
• Demonstrated problem-solving and interpersonal skills in demanding situations.
• Proficiency in personal computer software for correspondence and reporting.
• Ability to obtain applicable licenses to sell insurance products offered by the branch.

Embedded within the branch team, the Branch Manager Trainee assists the Branch Manager in learning RMC's consumer finance business practices and preparing to manage a branch office independently. Working closely with management, the role completes a 15-month training program covering loan product expertise, marketing strategy, delinquency management, and business-to-business relationship development to support profitable branch growth.

Core Functions

• Complete a 15-month technical and soft skills training program in preparation for a Branch Manager role.
• Develop subject matter expertise in personal loan products and present solutions to current and potential customers.
• Assist in developing marketing strategies to increase the branch's loan portfolio and enhance profitability.
• Establish and build customer relationships through delivering exceptional service.
• Utilize account management practices to assist delinquent customers and report, manage, and maintain branch delinquency standards.
• Transport money and deposits to and from the bank and ensure proper open and close procedures are completed daily.
• Receive, track, and post all payments and fees to customer accounts in compliance with company policy.
• Process loan applications, close loans as directed, and manage all branch-to-customer communications via mail.
• Complete weekly progress reports and work with management to develop, communicate, and track daily, weekly, and monthly goals.

Qualifications and Experience

• Bachelor's degree, preferably in business, accounting, finance, economics, management, or marketing.
• Willingness to relocate for career advancement and ability to travel as required.
• Must pass drug screen and criminal and credit background checks.
• Valid driver's license and access to a dependable automobile with liability insurance coverage.
• Detail-oriented with strong organizational skills.
• Proficiency in Microsoft Office Suite products.
• Bilingual preferred.

Reporting to branch leadership, the Branch Manager Trainee mentors branch staff on banking solutions and advice-giving strategies while processing complex transactions related to investments and unsecured credit compliance. Partnering with advisory and frontline teams, the role maintains employee scheduling, resolves customer complaints, and drives team performance to help personal and small business customers achieve their financial goals.

Primary Duties

• Process complex branch transactions related to investments and unsecured credit compliance based on banking solutions and procedures.
• Liaise with partners to serve customers in a way that suits their financial needs.
• Support the execution of the branch plan and objectives.
• Mentor a dynamic team on offering banking solutions and advice-giving strategies to improve customer experience.
• Maintain employee scheduling while adhering to all policies, procedures, and guidelines of conduct.
• Assist advisory and frontline staff in efficient resolution of customer complaints within guidelines.
• Resolve operational issues by recommending improvements and sharing subject matter expertise.
• Improve team performance by providing ongoing feedback and ensuring performance management activities are completed.
• Promote open dialogue and encourage positive working relationships with other functions and teams.

Skills and Qualifications

• Undergraduate degree with over three years of relevant experience.
• Completion of Branch Compliance Officer (BCO) and IFIC or CSC Course.
• Expert in process, team, and risk management.
• Strong communication skills to liaise with customers, employees, and cross-functional teams.
• Proficiency in MS Office and internet applications.
• Committed leader with demonstrated experience in fast-paced environments and strong organizational and time management skills.
• Demonstrated ability to exercise discretion and diplomacy in matters of confidentiality.

Sitting at the intersection of branch operations and B2B sales leadership, the Branch Manager Trainee works with Branch Management to drive profitability through digital tools, inventory control, and team development across all aspects of branch performance. Operating across sales, warehouse, and customer-facing functions, the role learns to manage Profit and Loss targets, implement security standards, and maintain vendor and customer relationships in the electrical distribution industry.

Duties

• Work with Branch Management and branch personnel to drive profitability by utilizing company digital tools to maximize all aspects of branch performance.
• Provide leadership, motivation, direction, and training to branch personnel and take corrective actions as needed.
• Ensure branch personnel have the tools necessary to achieve the highest levels of sales potential.
• Learn to effectively manage the branch Profit and Loss (P and L) to meet or exceed total sales, net income, asset management targets, and expense budgets.
• Implement branch security and safety standards by conducting facility and asset inspections and taking corrective actions.
• Maintain and develop positive relationships with existing and prospective customers and vendors.
• Conduct and oversee inventory control procedures to ensure appropriate inventory levels are maintained.
• Remain knowledgeable about markets served, customers, vendors, and competitors.
• Fill in for other branch and warehouse roles and make deliveries as needed.

Experience and Qualifications

• High School Diploma or GED required, Bachelor's degree preferred.
• Valid driver's license required.
• Two or more years of related experience, including one or more years of leadership experience.
• Sales and operations experience in electrical distribution or similar B2B industry required.
• Experience developing and implementing sales strategies and managing Profit and Loss statements preferred.
• Experience building and managing teams.
• Strong negotiation, written, verbal, interpersonal, and presentation skills.
• Sales and service oriented, self-motivated, and dependable with excellent customer service skills.
• Proficiency in Microsoft Office and ERP systems such as Solar Eclipse.

A key member of the regional operations team, the Branch Manager Trainee leads field evaluations, drives revenue generation, and manages a Profit and Loss statement to prepare for full branch leadership upon completion of a six-to-nine-month training program. Collaborating across sales, service, and customer service functions, the role recruits and develops talent, maintains a service-focused team culture, and commits to continual operational improvement in preparation for independent branch management.

Functions

• Assume leadership of an entire operation upon completion of training.
• Lead field evaluations, address coaching opportunities, and support the development of branch personnel.
• Exemplify a service mindset to deliver customer retention results and inspire the team to deliver top-notch service.
• Drive revenue generation and growth by conducting daily check-ins of activities and holding teams accountable for results.
• Manage a Profit and Loss (P and L) statement and strategically balance expense margins while investing in growth.
• Recruit, select, and develop talent across sales, service, and customer service staff, including management roles.
• Accept constructive feedback and commit to continual improvement in operations and team performance.
• Relocate to an open location within the region after six to nine months of required training.

Background and Experience

• High School Diploma or equivalent required.
• Valid driver's license with a good driving record required.
• Ability to pass a drug screen and background check required.
• Ability to obtain applicable pesticide license or certification if required (company paid).
• Sales experience preferred.
• Ability to work independently in the field and interact effectively with clients.