The key to success pawnshop - his staff!

 

The key to success pawnshop - his staff!

Lombard activities - a complex and at the same time, in  the proper construction of the case, profitable and justify a job. In order to take a strong position in a competitive market, Lombard, use the golden rule: "Cadres decide everything."

 

Мы хотим дать вам советы о том, как правильно выбрать ломбард специалистов о том, что искать и как начать.

 

First of all, let's talk about recruitment, what specialists are needed in a pawnshop. If you're just going to open a pawn shop, you should write a business plan for pawnshop, to study law. In this issue, of course, can not do without high-class professionals, who will give you the results you expect. The next step - to hire staff in a pawnshop. First of all you need to hire a director (manager of the pawnshop), chief accountant and cashier - appraisers.

 

Director (Managing pawnbroker)

The responsibilities of the Director pawnshop includes:

 

-         Finding a place for a successful pawn office;

-         Opening of new offices Lombard (here and work with regulatory authorities and procurement of the necessary technical materials and tools);

-         Work to increase the growth of credit portfolio departments and care for its preservation;

-         Director of the pawnshop must be directly involved in improving your credit products in pawnshop;

-         Director of the pawnbroker must keep working with security agencies to ensure the safety of the Lombard branch, as the financial, physical and technical;

-         The solution of everyday problems and life support pawnshop.

 

In order for a candidate able to cope with a task before him, he must have some experience in the pawn shop and have the specific knowledge and skills. And so, the requirements for candidates for the post of director of the pawnshop. First of all, we should pay attention to the professional requirements to the head of pawnshop, namely:

 

-         candidate for the post of director of the pawnshop must have completed higher education (the educational and qualification level of specialists, MA);

-         contender for the position Director of the pawnshop shall be obliged to undergo training and pass an examination for compliance with professional knowledge of the requirements for a model training program managers, drawn in the direction of the financial institution and approved by the Financial Services Commission. Course Length - not less than 72 hours;

-         have not less than 5 years of general experience of work;

-         over the past five years not to be a leader, chief financial officer or chief accountant of the financial institution, declared bankrupt, been subjected to the procedure of compulsory liquidation, or with respect to which has been used measure the impact of the supervisory authority in the form of removal from the leadership of the financial institution and the appointment of an interim administration.

-         have no outstanding criminal convictions for premeditated crimes, crimes in the sphere of economic and service activities, and not to be denied the right to hold certain posts or practice certain activities;

-         Of course, if you do not have experience in the pawn business, you need to put the experience required to open or redemption of pawn shops;

-         He must have theoretical knowledge and practical experience in evaluating credit products pawnshop. So often well in this position to handle people who have gone from the cashier - the appraiser of precious metals at a pawn shop to the head office (if it is a large pawn shop). When it comes to Pawnshop, a candidate must have experience in auto loans.

-         plus for a candidate will be experienced in other segments of the loan (in our experience the most successful and effective as a director of the pawnshop are the candidates with the experience of not less than 400 - 500 borrowers);

-         If you choose a director with experience in the management of the pawnshop, look at his knowledge of the network program pawnshop, the experience of its management and control processes. But if your candidate has worked in large pawn shops, such skills he may not be, since these companies often have special IT department;

-         plus for your candidate is to have a driver's license and his car (but it also affects his pay) because they need to be mobile;

-         it should have a good memory, high communication skills, good vision;

-         Your candidate has experience in the construction of staff in Lombard personnel department.

 

Just think about what's important for people in such positions. Its main features - a crisp, high organization, mobility, commitment, ability to find common ground in any situation. Give priority to family men, with good occupational history, presence of positive recommendations from previous places of work and residence permit in the region in which you are opening a pawnshop.

 

Wages Director pawnshop in Kiev in November 2009. ranges from 6,000 to 18,000 UAH.

 

It depends on many factors:

 

-         amount of Lombard offices;

-         delivered sales plan ;

-         set by Development Plan (the opening of new offices Lombard);

-         existing experience in the pawn shop (pay attention to what experts in the big pawn has a great experience, but their salary is not less than 12 thousand UAH)

-         number of loan products for your Pawnshop (gold / silver / cars / antiques)

-         wages depend on the professional experience of the candidate, for example:

 

Professional Experience

Estimated salaries Director Pawnshop

1.

Experience as a director of the pawnshop over 4 years + experience working in senior positions in other segments of the credit

From 10 000-18 000 UAH

2.

Experience as a director of the pawnshop at least 2 + years of experience in senior positions in other segments of the credit

From 8 000-10 000 UAH

3.

Experience working in a pawn shop as a head of Lombard Department in large pawnshops

From 5 000-7 000 UAH

 

The same should be said that it is often practiced by the total wages Director pawnshop, which consists of a fixed rate or interest and bonuses.

 

Chief Accountant of the pawnshop

 

As in any other company the role of the chief accountant at a pawn shop is just as important.

 

A candidate for the position of chief accountant pawnbroker shall:

 

·        Have full or basic higher education (educational-qualification level of specialists, master's, bachelor's degree);

·        Undergo training and pass an examination for compliance with professional knowledge of the requirements for a model training program chief accountants, drawn in the direction of the financial institution and approved by the Financial Services Commission. The duration of a refresher course - not less than 72 hours;

·        have experience of working in management positions related to financial and accounting activities, or work experience in the financial services markets in positions related to financial and accounting activities - at least two years, in particular, the financial services markets - not less than one year;

·        over the past five years to be a leader, chief financial officer or chief accountant of the financial institution, declared bankrupt, consisting in the process of forced liquidation, or which has been applied to measure the impact of supervisory authority, in the form of removal from the leadership of the financial institution and the appointment of an interim administration;

·        have no outstanding criminal convictions for premeditated crimes, crimes in the sphere of economic and service activities, and not to be denied the right to hold certain posts or engage in certain activities.

·        the last experience in a pawnshop, a candidate for the post of chief accountant, shall be not more than two years ago, because the standards and laws changing.

 

Please also note, the main characteristics for the chief accountant of the pawnshop must be scrupulous (even if you have trouble with such people), attention and most importantly, he should cause you to trust. When choosing a chief accountant of the pawnshop, consider what courses and seminars he attends, he is always aware of the latest legal news. His credit history and its condition at the time of recruitment are also important. Salaries of chief accountant at the pawn shop in Kiev in November 2009. ranges from 5,000 to 12,000 UAH.

 

A cashier is an appraiser (accepter) in a Lombard

 

When you have a director of the pawnbroker and the chief accountant, you should hire a cashier - appraisers. Criteria to largely depend on the type of loan products for your pawnshop. They may be appraisers: home appliances, gold, precious stones, antiques, silver, clocks, universal estimators. In an auto Lombard there is not position a cashier is an appraiser, there is a manager of auto crediting and credit officer.  Appraiser  - a cashier yet can meet under the name accepter in a Lombard,  frequent it is synonyms.

 

The duties of the cashier - the appraiser include:

 

·        assessment of jewellery (and / or household appliances, watches, precious stones)

·        reception, registration, storage, and cash loans secured by jewellery and \ or home appliances, watches, precious stones;

·        design of relevant documents and prepare reports.

 

Do not be afraid to present to the cashier - the appraiser demands, because he» face" and an instrument of your pawnshop. And so the requirements for candidates for the cashier position - the appraiser to a pawn shop:

 

·        assessment of a certificate of precious metals;

·        experience of working in a pawnshop on the cashier's office, assessor. Sometimes even a little experience working in a pawnshop (3-4 months). Will be a big plus for the candidate;

·        knowledge of the PC;

·        knowledge of the Lombard system of programs;

·        experience working with documents;

·        experience working with people, and high communication skills.

 

When selecting a candidate for the cashiers - the appraiser is important that in addition to his responsibilities included communication with the customer and, therefore, he should be able to win. It is up to the cashier - the appraiser, who works on the point of separation depends on Lombard presence or absence of regular customers. On how it communicates with the cashier - the appraiser, as far as available information allows for a loan on the degree of professionalism and courtesy will depend on the client comes to you again (to recommend to a friend) or more of you do not apply. If there are little days for your client to the return of mortgage sum, an experimental cashier is an appraiser of Lombard, for example,  can him call and remind. Also, not every client is safe for the pawnshop, the clerk -  value must sort out the situation in time. It is also better if the cashier - the appraiser will be a family man. Important are the physiological factors: the absence of chronic conditions, eyesight, etc. Some pawn shops in the one department in order to save take a cashier - the appraiser. But does this economy, we need to understand. Standard timetable for the Lombard office anywhere from 8:00 to 20:00. What kind of performance will be a man, if it will work every day so many hours? Moreover, in his absence, the Lombard will not work. Therefore, you should take to one separation is not less than 2 cashiers - appraisers who will work in shifts (typical graphs 3 \ 3 or 4 \ 2). It should be noted that these companions should not be relatives, among them should be a clear chain of command, and a friendly attitude towards each other. This is a small team, do not forget about this when selecting candidates. Wages cashier - the appraiser in Kiev in November 2009. depends on the presence or absence of a certificate of precious metals and assessment of the presence or absence of experience in the pawn shop. And the range from 2500 to 4000 UAH.

 

The result of the foregoing, we conclude that the quality of recruitment the staff to the shop depends on its effectiveness. Therefore, you should contact the professionals who know the secrets of successful recruitment, have established contacts for the true recommendations data and understand the subtleties and specifics of staff in a pawn shop. In addition to the above positions relevant experts in the pawn shop is head of security for the pawnshop, the pawnshop store manager, security guard Lombard offices, etc.