I was recently terminated from my position as an Assistant Manager from TitleMax. The state of Tennessee only allows loans up to $2500.00. When a customer comes into an office and qualifies for the maximum and takes only $1,000.00 they can come back to get an additional loan for the remaining $1500.00. I was initially trained in a TitleBucks office where the manager was no help in my training process. This was something we never covered. We had an online website that listed procedures, but how does one get the time to study those procedures. You make three call thrus a day, chase delinquent accounts and do the actual loans plus extensive marketing to make an office grow.
I was actually moved to a TitleMax office which was going to be closed if we did not bring our numbers up in sales and down in delinquencies. I was made an Assistant Manager before I was certified. We had only two employees in that office. It is a State Violation to exceed $2500.00. Sometimes a deferal in principle can affect the amount to be loaned on an add-on. This was never made clear with me. On the screen marked in red on the origional account it says in red letter Available and a dollar amount. I actually exceeded that amount and was given a Final Warning. I was never clear if I was doing this correctly. It is because of lack of training. I requested to speak with my District Manager privately to discuss possibly sharpening my skills. He went on vacation and I never got the chance to ask him to pair me up with someone to clear up some of my questions. Low and behold we never had our talk and I loaned over the state requirements by a little over a hundred dollars.
As an employee I brought that office off the charts with my marketing skills, I was always on time, worked well with the public and I was terminated. I take full responsibility for the mistake I made. I want to say also that while it was a mistake, it stems from the begining where I was not given fair treatment in my training process. I literally had filed a formal complaint against that manager who trained me because of this, I also filed a formal complaint because money came up missing from our main cash drawer and that manager had the only key, I was contstantly replacing money to keep from losing my job. I was conerned because most employees are offered certification within the first six weeks of employment. It was over a year before I became certified and the reason for that was because they let the previous manager and assistant go for lack of performance. They placed me with a young lady who is still the manager there that sent me on constant personal gofer runs. One day our new regional manager was in the area and she went Marketing while looking at motorcylces. This was after the district manager instructed us not to leave the office.
That manager also had her car detailed while she was out. I personally was overloaded with a work load because she was in slow gear and on her own agenda. A total control freak. The woman talked down to me a continuously said demeaning things to me in front of customers letting everyone clearly know she is the BOSS. Customers later brought it to my attention they had observed this and asked how I put up with it. I was a good worker, a hard worker and a team player. But across the board I was failed in proper training. It was my mistake for certain. But I feel that the district managers have so many stores to tend to that alot of things are never known.
I had just requested to become a manager of my own store when this happened and I also requested to speak with my district manager to help refine me, we never had the chance and I made a mistake that cost me my career.
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