JOB SCOPE:Analyze credit applications submitted by dealerships; making sound credit decisions based on the applicant's credit worthiness and stability as well as the propensity to repay the obligation based on past performance. Ensure that the credit decisions are within the credit policies and adhere to all the laws and regulations applicable to the Bank.Develop and maintain dealership relationships by interacting with the personnel to establish and maintain partnerships that are beneficial to both the dealer and the Bank. Ensure that the relationships are profitable by enlightening the personnel to bank exceptions and acceptable guidelines for portfolio performance regarding efficiencies, delinquencies, repossessions and charge-offs.SKILLS REQUIRED:
- Bachelor's degree or equivalent experience.
- 3-5 years consumer lending experience
- Requires exceptional oral and written communication skills and sales skills
- Requires extensive knowledge of credit decisioning and ability to sell the decision to the customer
- General knowledge of business law as it pertains to Fair Credit practices and regulations that are applicable to third party lending
- Ability to reason and make independent decisions is an absolute necessity
- Proficient in Microsoft products, Word and Excel.
JOB REQUIREMENTS:Comprehensive understanding of all consumer credit disciplines including planning and development, sales, marketing, asset quality and regulatory standards, income/expense components, capital market sources, and current MIS/technology standards. Must be able to manage multiple operations and assemble/prepare human resources for continued profitable growth. Handles credits escalated from Consumer Lender I and Consumer Lender II.PRIMARY DUTIES:
- Prompt review and decision of credit applications
- Sale of decision to the customer (dealer)
- Interaction with the dealer to ensure profitable partnerships
- All duties must be completed in accordance with all Bank policies, procedures, and all regulatory requirements including ECOA/Fair Lending.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, gender identity, gender stereo typing, and age.Independent Bank is an EO/AA Employer M/F/Vets/Disabled