CarBucks Credit Support Specialist I

First Bank•Greenville, SC

4d•Onsite

About The Position

Provides assistance to the Credit team, focusing on the management of the application process for dealer financing requests and managing the pipeline to meet closing deadlines. Acts as a liaison between the client, sales team, and Credit Managers, while providing outstanding customer service. The role contributes to a customer-focused environment, aiming to make each customer interaction the best possible experience, thereby supporting the credit officers’ goals of maximizing sales productivity and customer service effectiveness.

Requirements

1-2 years’ experience in an office environment and/or customer service.
Good Keyboarding skills.
Must possess exceptional organizational skills, the ability to prioritize, be detail-oriented and take initiative.
Thorough working knowledge of office practices and procedures.
Ability to operate office machines, such as photocopiers and scanners, facsimile machines, voice mail systems, and personal computers.
Must be computer proficient with Microsoft application skills, including Excel.
Ability to classify documents and file for future retrieval.
Ability to maintain the highest level of confidentiality.
Excellent listening and verbal and written communication skills and the ability to interact professionally in a collaborative environment with a diverse group of internal and external contacts.
Ability to comprehend and adhere to operational controls, including compliance to all required policies and all Federal and State banking regulations, including compliance to the Bank Secrecy Act/Anti Money Laundering (BSA/AML) and Office of Foreign Asset Control (OFAC) and USA PATRIOT Act programs.

Nice To Haves

Demonstrated fluency in Spanish and English a plus
Financial industry experience preferred.

Responsibilities

Assist the Credit Team.
Support dealer financing requests from the application to closing.
Manage the application process to ensure that the credit request meets all conditions for closing, as well as perform other elements of application management, as required.
Familiarize new dealers with company policies and documentation standards, and follow-up to obtain documents in a timely manner.
Obtain the appropriate registration documents, such as dealer license, registration, and tax ID number.
Research, verify and document the validity and status of the dealer’s insurance records, contact information, bank references, Articles of Incorporation, and Uniform Commercial Code (UCC’s).
Access and review the credit report, and research, resolve or report any inconsistencies identified.
Ensure that all loan documentation is complete, accurate, verified, and complies with company and regulatory policy.
Scan and upload documents, and assemble and compile applicant folders in support of the lending request.
Utilize company software and established processes to track and update receipt of customer financial and loan documentation.
Ensure appropriate data has been keyed and is maintained within the electronic system.
Keep borrowers and Credit Managers informed of loan status, from the time of application through closing.
Answer questions and advise customers regarding loans and transactions.
Communicate with dealer applicants to obtain business and financial data and to assist in completing applications.
Maintain effective communication with the Credit Managers and set and maintain proper expectations to all parties.
Ensure all legal documentation is filed and process dealer account activation.
Perform contracting tasks, such as drafting legal credit resolutions and contracts, collaborating with the Bank to create new dealer accounts, and facilitating signatures and supporting documentation.
Log all contract information into company software.
Maintain security and compliance controls to protect against fraudulent activity and unnecessary risk and ensure customer confidentiality.
Participate in records maintenance and audits in accordance with company policies and regulatory requirements in order to manage operational risks and identify areas for improvement.
Participate in ongoing professional / educational development opportunities in order to stay current on financing standards, products, initiatives, and trends.
Maintain knowledge of the automotive industry, state requirements, and documentation standards.
Maintain a working knowledge of basic UCC and other state regulations and procedures.
Stay abreast of changes in documentation standards.
Enhance productivity and demonstrate advanced proficiency by adapting to new technology and acquiring new technical skills through training.
Prepare various reports that involve gathering data, summarizing information, and compiling into appropriate formats.
Review status of production pipelines with Credit Managers for prioritization of workload.
Manage relationships with other areas of the Bank and company to ensure optimal customer satisfaction.
Work cross-functionally with internal partners and external agents to resolve financing issues.
Open, sort, and route incoming mail/email to the proper applicant folder.
Answer correspondence and prepare outgoing mail.
Operate office machines, such as photocopiers and scanners, facsimile machines, voice mail systems, and personal computers.
Contribute to a customer-focused environment and consistently surpass customer expectations.
Answer incoming office phone calls.
Field customer/dealer inquiries through phone and email.
Communicate with customers, employees, and other individuals to answer questions, disseminate or explain information and address complaints.
Review files, records, and other documents to obtain information to respond to requests.
Supply information that requires knowledge of functional organization and procedures.
Serve as an information resource regarding critical policies and procedures.
Accurately identify needs through meaningful conversations and promote solutions with minimal supervision.
Escalate complex inquiries to management.
Perform basic amendments to customer files, such as “change of address,” payoff requests, account changes, a line of credit increases, adjustments, and terminations.
Handle confidential information with discretion, while adhering to strict policy guidelines.
Train other staff members to perform work activities, such as using computer applications.
Recommend improvements in workflow and procedures, as appropriate.
Perform other office duties and special functions as delegated or requested by management.
Work well with others.