Kayla Puhala
Dillsburg,PA
Summary
Branch Manager experienced in credit, collections, and underwriting management. Achieved significant growth by transforming a $2.5 million office into a $9 million operation and consistently exceeding branch goals. Focused on mentoring team members, fostering collaboration, and enhancing operational efficiency.
Overview
1
1
Certification
17
17
years of professional experience
Work History
Branch Manager II
MARINER FINANCE LLC
Carlisle, PA
11.2016 - Current
- Executed daily analysis of applications to ensure compliance with creditworthiness standards.
- Mentored branch staff in developing comprehensive write-ups for current and prospective customers during morning meetings, leveraging branch and individual KPIs to improve customer engagement.
- Assessed pay stubs, W2s, tax documents, and bank statements to improve branch compliance, expose fraudulent activities, and elevate profits.
- Enhanced branch profile by $6.5 million since 2016 by mentoring and managing two staff personnel.
- Attained 96% overall current status by utilizing strategic problem-solving methods to minimize delinquency.
- Reduced loss mitigation by streamlining legal documentation submission and assessing repossession cases for accounts overdue by over 30 days.
- Implemented follow-up strategies for potential charge-off accounts, contributing to increased yearly profitability.
- Conducted negotiations with external settlement firms to mitigate client debts.
- Boosted first lien position to 52% within auto-secured loans, minimizing risk through collateral.
- Developed strategic collaborations with three new auto dealers to elevate unit sales and revenue.
- Led branch operations, ensuring compliance with regulatory standards and company policies.
- Developed and implemented effective sales strategies to enhance customer engagement and drive revenue growth.
- Delivered comprehensive supplementary insurance options including life, disability, involuntary unemployment, AD&D, and Car Club.
- Achieved $6 million in outstanding revenue, leading to promotion to Branch Manager II in March 2021.
Assistant Branch Manager
MARINER FINANCE LLC
Harrisburg, PA
07.2012 - 11.2016
- Established and sustained relationships with four auto and three retail dealers in development program, generating over 200k in additional branch revenue.
- Assisted in developing branch operational strategies to enhance customer service and drive sales growth.
- Conducted spot checks during relief assignments to ensure accuracy of daily tasks for three employees.
- Established relationships with four auto and three retail dealers in development program, generating over $200k in additional branch revenue.
- Conducted spot checks during relief assignments to ensure accuracy in daily job duties over seeing three employees.
- Implemented training programs to enhance staff performance and ensure compliance with company policies.
Account Representative
MARINER FINANCE LLC
Harrisburg, PA
07.2009 - 07.2012
- Validated applications and directed them to appropriate approval levels for timely processing.
- Managed loan bookings and closures, ensuring compliance with company policies.
- Increased customer satisfaction ratings through proactive and actionable resolutions to questions, concerns, or challenges.
- Developed tailored financial solutions to meet client needs and enhance satisfaction.
- Ensured adherence to company policies while managing loan bookings and closures.
- Completed validations and directed applications to the appropriate approval level.
- Scanned supporting loan documents and completed file checklist to ensure project completion.
- Enhanced customer satisfaction ratings by resolving questions and concerns proactively.
Education
High School Diploma -
Northern High School
Dillsburg, PA06-2006
Skills
- Loan Origination
- Loan Closing
- Credit Analysis
- Documentation verification
- Document verification
- Risk mitigation
- Collections
- Payment Processing
- Legal documentation
- Sales
- Training and Mentorship
- Contract Negotiation
Certification
- Accident and Health Insurance License
- Certified Public Notary
Awards
Presidents Club Winner: 2018 and 2019
Timeline
Branch Manager II
MARINER FINANCE LLC
11.2016 - Current
Assistant Branch Manager
MARINER FINANCE LLC
07.2012 - 11.2016
Account Representative
MARINER FINANCE LLC
07.2009 - 07.2012
High School Diploma -
Northern High School