Indirect Lending Underwriter/Credit Analyst
About The Position
The Indirect Lending Underwriter/Credit Analyst originates indirect loans and ensures loan decisions comply with lending policy and applicable regulatory requirements. The role uses sound judgment to approve loans that represent an acceptable level of risk to the company and develops dealer relationships to support strong working partnerships. This is a hybrid position, with three work-from-home days per week and at least two scheduled days at a regional office in Latham, Glens Falls, or Utica, New York. The role includes evaluating loan applications, communicating decisions and counteroffers, managing dealer accounts, responding to customer inquiries, reporting to management, and participating in designated community service.
Requirements
- Bachelor’s degree in business administration or equivalent experience.
- Six years of experience in consumer lending.
- Strong organizational and mathematical skills.
- Excellent written and verbal communication skills, including the ability to communicate with customers, coworkers, management, and community and business leaders.
- Ability to sit for prolonged periods and walk or stand for brief periods.
- Ability to repetitively use a telephone, computer mouse, and keyboard.
- Ability to lift or move up to 15 pounds.
Nice To Haves
- Solid sales and negotiation skills.
- Knowledge of current lending regulations, the automobile industry, and indirect lending products and services.
Responsibilities
- Approve, counter-offer, or decline indirect loan applications within individual lending authority and according to policy.
- Analyze applications and credit reports, review financial history, and assess repayment sources to determine applicants’ ability and willingness to repay.
- Maintain regular phone contact and occasional in-person contact with assigned dealers to develop and retain new and existing business.
- Monitor individual and dealer performance and review it with management to support department goals.
- Respond to indirect loan customer inquiries and requests for information.
- Provide periodic reports to management and share knowledge and expertise with other members of the Indirect Lending team.
- Participate in the community as designated by company community service requirements.
Benefits
- Competitive compensation, with potential bonus and incentives.
- Paid vacation, sick time, and holidays.
- Medical, dental, and vision insurance.
- Flexible spending plan.
- 401(k), pension, and employee stock ownership retirement plans.
- Education and tuition reimbursement.
- Employee Assistance Program for employees and their immediate family members.
- Career development opportunities.
- Pleasant, inclusive work environment.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
