Job Search Status
Open to workDesired start date: Immediately
Open To Work
THOMAS F. CIRONE
Consumer Finance
Hendersonville,NC
Work Preference
Summary
Dynamic Branch Manager with a proven track record at Federal Financial Services, excelling in business development and team leadership. Achieved a 300% increase in monthly funded loans while enhancing customer service and reducing delinquency rates. Skilled in P&L management and project execution, fostering strong partnerships to drive growth.
Overview
20
20
years of professional experience
Work History
Branch Manager
CAROLINA FINANCE
Mooresville
01.2023 - 01.2024
- Drive business growth and service goals, effectively managing daily branch operations while securing and cultivating auto dealer relationships throughout the region.
- Lead high-performing team of 7 (Collection Manager, Collectors, Marketing Rep, Buyer, etc.).
- Division of The South Financial Group; company has branches in North and South Carolina.
Branch Manager
NICHOLAS FINANCIAL
Kernersville
01.2020 - 01.2022
- Oversaw daily branch operations, directing team of 7 (Collections Manager, Loan Officer, Collectors, etc.); reported to the District Manager. Managed P&L.
- Trained/mentored staff that provided outstanding customer service; utilized SWOT analysis. Collaborated with District Manager, Regional VP, and Branch Manager peers to develop/execute collection and buying strategies.
- Selected Key Accomplishments:
- Generated new business with auto dealers throughout the region while reducing delinquencies by 2 bps and growing annual receivables by $1M+. Met/exceeded all KPI objectives (strong performance reviews).
- Consumer and auto loan company founded in 1986; ~70 branch offices throughout 15+ states.
Branch Manager
FEDERAL FINANCIAL SERVICES, INC.
Winston-Salem
01.2017 - 01.2019
- Promoted several times, and moved laterally, throughout successful tenure with the organization; managed 15 direct reports (Loan Officers, Collectors, Cashiers) from 2013-2016. Report to company President.
- Coordinated, with corporate, to liquidate branch portfolio and help restructure the org. into a single location.
- As Branch Manager, leadership responsibilities were diverse and included overseeing daily operations, developing, mentoring and directing staff (utilized SWOT analysis), ensuring exceptional customer service, analyzing system progress (loans), and coordinating with Repo Specialists (when required):
- Held Branch P&L responsibility. Frequently visit auto dealers to generate additional business.
- As Branch Manager (2013-2016), Recruited and developed high-performing sales team of 5 loan officers that delivered outstanding financial results while providing strong customer service:
- Managed operations for the company's largest Branch ($31M financing).
- As Special Projects Manager (2016-2017), helped liquidate several branches (Jacksonville, Atlanta, Nashville).
- Earlier career responsibilities included recruiting/training/placing Branch employees throughout the Southeast, co-designing/developing new dealer partner financing programs, opening new branch offices (in collaboration with corporate office), closing new loan business and securing dealer partners.
- Selected Key Accomplishments:
- Earned stellar annual reviews throughout career, consistently meeting and exceeding performance goals (i.e., revenue growth, delinquency/loss ratio, etc.).
- Reduced 2017 delinquency from 14.5% to 6.5% by training collections team.
- Increased monthly funded loans from 45 to 75 (2013-2016) by revitalizing dormant partnerships, mentoring Branch employees and directing daily operations; reduced month-end delinquency and P&L chargeoff by 5%/58%, respectively.
- Delivered 300% monthly Direct Consumer loan increase during 24-month period (2013-2015), $8M total branch outstanding increase during 12-month period (2013, from $23M-$31M) and total monthly company funded loan volume increase from 95 to 200 (2012/2013).
- Drove KPI goals in 2011/2012, achieving 9% Branch delinquency reduction (down to 3.5%), 350% monthly funded loan volume increase (to 35), and $4M total branch outstanding increase (from $1.5M to $5.5M).
- Increased monthly funded loan volume from 25 to 75 and total outstanding from $2.5M to $4.5M while reducing branch delinquency from 17.5% to 5.5% (as Mooresville Branch Manager).
- Sourced/identified/secured new dealer partners at beginning of career, nearly doubling partner base (to 100+) and delivering 45 funded deals per month (avg.).
- Company was established in 1995 and provides sub-prime automobile financing through automotive dealers and directly to consumers; 40+ employees in 7 Branch offices (3 states).
Special Projects Manager
FEDERAL FINANCIAL SERVICES, INC.
Winston-Salem
01.2016 - 01.2017
- Helped liquidate several branches (Jacksonville, Atlanta, Nashville).
- Company was established in 1995 and provides sub-prime automobile financing through automotive dealers and directly to consumers; 40+ employees in 7 Branch offices (3 states).
Branch Manager
FEDERAL FINANCIAL SERVICES, INC.
Winston-Salem
01.2013 - 01.2016
- Managed operations for the company's largest Branch ($31M financing).
- Company was established in 1995 and provides sub-prime automobile financing through automotive dealers and directly to consumers; 40+ employees in 7 Branch offices (3 states).
Marketing & Sales Manager
FEDERAL FINANCIAL SERVICES, INC.
Winston-Salem
01.2012 - 01.2013
- Company was established in 1995 and provides sub-prime automobile financing through automotive dealers and directly to consumers; 40+ employees in 7 Branch offices (3 states).
Branch Manager
FEDERAL FINANCIAL SERVICES, INC.
Fredericksburg
01.2011 - 01.2012
- Company was established in 1995 and provides sub-prime automobile financing through automotive dealers and directly to consumers; 40+ employees in 7 Branch offices (3 states).
Special Projects Manager
FEDERAL FINANCIAL SERVICES, INC.
Winston-Salem
01.2010 - 01.2011
- Company was established in 1995 and provides sub-prime automobile financing through automotive dealers and directly to consumers; 40+ employees in 7 Branch offices (3 states).
Branch Manager
FEDERAL FINANCIAL SERVICES, INC.
Mooresville
01.2008 - 01.2010
- Company was established in 1995 and provides sub-prime automobile financing through automotive dealers and directly to consumers; 40+ employees in 7 Branch offices (3 states).
Collection Specialist
FEDERAL FINANCIAL SERVICES, INC.
Winston-Salem
01.2006 - 01.2008
- Company was established in 1995 and provides sub-prime automobile financing through automotive dealers and directly to consumers; 40+ employees in 7 Branch offices (3 states).
Sales Representative
FEDERAL FINANCIAL SERVICES, INC.
Winston-Salem
01.2004 - 01.2006
- Company was established in 1995 and provides sub-prime automobile financing through automotive dealers and directly to consumers; 40+ employees in 7 Branch offices (3 states).
Education
BA - History
Georgian Court University
Lakewood, NJ01.1995
Skills
- Branch Operations
- Loans
- Team Training
- Leadership
- Partnership Development
- Project Management
- Risk Management
- Recruiting
- SWOT Analysis
- Sales
- Customer Service
- Budgeting
- Forecasting
- Financial Services
- P&L
- Business Development
Affiliations
Volunteer/Chairman, Finance Committee
Professional Development
Sales, Collections and Compliance Training
Timeline
Branch Manager
CAROLINA FINANCE
01.2023 - 01.2024
Branch Manager
NICHOLAS FINANCIAL
01.2020 - 01.2022
Branch Manager
FEDERAL FINANCIAL SERVICES, INC.
01.2017 - 01.2019
Special Projects Manager
FEDERAL FINANCIAL SERVICES, INC.
01.2016 - 01.2017
Branch Manager
FEDERAL FINANCIAL SERVICES, INC.
01.2013 - 01.2016
Marketing & Sales Manager
FEDERAL FINANCIAL SERVICES, INC.
01.2012 - 01.2013
Branch Manager
FEDERAL FINANCIAL SERVICES, INC.
01.2011 - 01.2012
Special Projects Manager
FEDERAL FINANCIAL SERVICES, INC.
01.2010 - 01.2011
Branch Manager
FEDERAL FINANCIAL SERVICES, INC.
01.2008 - 01.2010
Collection Specialist
FEDERAL FINANCIAL SERVICES, INC.
01.2006 - 01.2008
Sales Representative
FEDERAL FINANCIAL SERVICES, INC.
01.2004 - 01.2006
BA - History
Georgian Court University