Mark Smallwood

Seasoned Branch Manager and Licensed Loan Originator with more than 35 years of experience in consumer finance, branch operations, and lending oversight. Proven leader with a strong track record of building profitable branches, managing portfolio performance, and developing high-performing teams while maintaining regulatory compliance. Extensive background in consumer lending, credit analysis, risk-based decision-making, and loss mitigation, with residential mortgage origination performed in a supporting capacity.

Known for long-term customer relationships and strong community presence.

Branch Manager / Licensed Loan Originator at First Financial Credit (2009-11 – Present)

• Lead daily operations of a high-volume consumer finance branch, ensuring profitability, portfolio quality, and customer service standards are consistently met
• Manage, train, and mentor branch staff; assign daily responsibilities and monitor performance against operational and lending goals
• Oversee consumer loan originations, approvals, and portfolio performance across multiple lending products
• Ensure lending practices, disclosures, and documentation remain compliant with applicable regulations and internal policies, minimizing operational and compliance risk
• Maintain active Kentucky Mortgage Loan Originator license; originate residential mortgage loans as part of overall branch services
• Build and sustain long-term relationships with customers, referral partners, and the local community

Branch Manager at Central Financial Services (2000-01 – 2009-12)

• Directed full branch operations, including lending, collections, staffing, and profitability management
• Maintained consistent branch performance during periods of organizational change and policy transitions
• Ensured adherence to internal lending policies while balancing revenue growth and portfolio quality objectives
• Recruited, trained, and supervised branch personnel to support operational success and customer service standards

Branch Manager (Assistant Manager, 1990 – 1992) at Kentucky Finance (1992-01 – 2000-12)

• Advanced from Assistant Manager to Branch Manager through demonstrated leadership and strong performance
• Managed a multi-million-dollar consumer loan portfolio, including auto loans, personal loans, consolidation loans, and indirect auto financing
• Held responsibility for loan approvals, denials, and overall credit quality
• Earned life insurance license and recognized as a top-producing agent in the region
• Played a leadership role during branch transition following company acquisition

– Somerset Community College (1988-01 – 1990-12)

– Laurel County High School (1985-01 – 1988-12)