Lending Specialist

Summary/Objective
Cultivate and enhance auto, RV, and motorsport indirect dealer relationships. Cultivate and enhance merchant partner relationships. Expected to develop and maintain a high level of service to an assigned territory leveraging the potential to further grow business. Underwrite consumer loans in accordance with established lending policies, procedures and consumer credit lending laws. Evaluate loan risk in order to mitigate loss to the credit union. Compile and update loan data and reports for management, including rate surveys. Organize Loan Growth and Performance Committee packages. Complete appraisal reviews. Professionalism, discretion, confidentiality and a positive attitude are absolute essentials of the position.

Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the following essential functions.

1. Effectively demonstrate our passion and purpose by helping members “Find Their Financial Sunshine.”
2. Expected to manage and maintain a high level of service of an assigned dealer territory with a purpose of growing the business.
3. Expected to manage and maintain a high level of service of assigned merchant partners with a purpose of growing the business.
4. Serve as primary contact point to assigned indirect dealers and merchant partners. Analyze information from dealers and merchants and make recommendations to improve quality and increase sales.  
5. Plan and organize daily work schedule to visit and/or call existing and potential dealer and merchant partners.
6. Share program guidelines, updates, monthly progress, and expectations with dealers and merchant partners. 
7. Assist Credit Management and VP Credit Administration with resolving dealer and merchant partner issues and chargebacks. 
8. Responsible for underwriting direct and indirect applications.
9. Evaluate loan risk in order to approve/decline credit minimizing risk or loss to the credit union.
10. Ensure compliance with underwriting policies; elevate risk issues and stay abreast of constant changes in policy and procedures.
11. Maintain exceptional quality while processing large number of consumer loan applications.
12. Gather and organize Loan Growth and Performance Committee meeting documents and packages.
13. Compile and complete monthly and quarterly rate surveys.
14. Compile and update loan reports monthly for management.
15. Complete appraisal reviews.
16. Significant travel is required for this role. 
17. Requires flexibility in work schedule, evening hours, weekend and holidays are required.
18. Represent and promote the credit union professionally and positively within the community.
19. Ability to handle confidential and sensitive information in a professional manner. 
20. Participate in staff meetings, seminars, and training.
21. Comply with the Bank Secrecy Act (BSA).
22. Complete special projects as assigned.

Competencies

1. Must be independent worker with strong time management skills
2. Excellent sales, negotiation, problem solving and analytical skills
3. Ability to thrive in a changing and fast-paced environment
4. Excellent verbal and written communication skills
5. Leverage dealer relationships to contribute to strategy and drive business results
6. Detail oriented
7. Ability to work in several computing platforms
8. High level of integrity
9. Team player
10. Valid Driver’s License

Supervisory Responsibility
This position has no supervisory responsibilities.

Work Environment
This job operates in and out of an office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.  Physical presence in the office setting is required.

Physical Demands
This position requires manual dexterity, the ability to lift and/or move up to 25 pounds. This position requires bending, stooping or standing as necessary.  

Position Type/Expected Hours of Work
Ability to work 40 hours; in a 7-day work week.  Periodic overtime may be required. 

Travel
Frequent travel to dealerships and merchant partners is required.

Required Education and Experience

1. Bachelor’s degree preferred (Business, Sales, or related).
2. One year related experience and/or training; or equivalent combination of education and experience.

Preferred Education and Experience 

1. Previous indirect dealer or consumer loan underwriting experience with a credit union highly desirable.

Additional Eligibility Qualifications

1. Multi-lingual capabilities to include Spanish are a plus.

Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.