Lending Specialist

FIRST CREDIT UNION•Chandler, AZ

1d•Onsite

About The Position

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the following essential functions. Effectively demonstrate our passion and purpose by helping members “Find Their Financial Sunshine.” Expected to manage and maintain a high level of service of an assigned dealer territory with a purpose of growing the business. Expected to manage and maintain a high level of service of assigned merchant partners with a purpose of growing the business. 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. Plan and organize daily work schedule to visit and/or call existing and potential dealer and merchant partners. Share program guidelines, updates, monthly progress, and expectations with dealers and merchant partners. Assist Credit Management and VP Credit Administration with resolving dealer and merchant partner issues and chargebacks. Responsible for underwriting direct and indirect applications. Evaluate loan risk in order to approve/decline credit minimizing risk or loss to the credit union. Ensure compliance with underwriting policies; elevate risk issues and stay abreast of constant changes in policy and procedures. Maintain exceptional quality while processing large number of consumer loan applications. Gather and organize Loan Growth and Performance Committee meeting documents and packages. Compile and complete monthly and quarterly rate surveys. Compile and update loan reports monthly for management. Complete appraisal reviews. Significant travel is required for this role. Requires flexibility in work schedule, evening hours, weekend and holidays are required. Represent and promote the credit union professionally and positively within the community. Ability to handle confidential and sensitive information in a professional manner. Participate in staff meetings, seminars, and training. Comply with the Bank Secrecy Act (BSA). Complete special projects as assigned.

Requirements

Must be independent worker with strong time management skills
Excellent sales, negotiation, problem solving and analytical skills
Ability to thrive in a changing and fast-paced environment
Excellent verbal and written communication skills
Leverage dealer relationships to contribute to strategy and drive business results
Detail oriented
Ability to work in several computing platforms
High level of integrity
Team player
Valid Driver’s License
Bachelor’s degree preferred (Business, Sales, or related).
One year related experience and/or training; or equivalent combination of education and experience.

Nice To Haves

Previous indirect dealer or consumer loan underwriting experience with a credit union highly desirable.
Multi-lingual capabilities to include Spanish are a plus.

Responsibilities

Cultivate and enhance auto, RV, and motorsport indirect dealer relationships.
Cultivate and enhance merchant partner relationships.
Manage and maintain a high level of service of an assigned dealer territory with a purpose of growing the business.
Manage and maintain a high level of service of assigned merchant partners with a purpose of growing the business.
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.
Plan and organize daily work schedule to visit and/or call existing and potential dealer and merchant partners.
Share program guidelines, updates, monthly progress, and expectations with dealers and merchant partners.
Assist Credit Management and VP Credit Administration with resolving dealer and merchant partner issues and chargebacks.
Responsible for underwriting direct and indirect applications.
Evaluate loan risk in order to approve/decline credit minimizing risk or loss to the credit union.
Ensure compliance with underwriting policies; elevate risk issues and stay abreast of constant changes in policy and procedures.
Maintain exceptional quality while processing large number of consumer loan applications.
Gather and organize Loan Growth and Performance Committee meeting documents and packages.
Compile and complete monthly and quarterly rate surveys.
Compile and update loan reports monthly for management.
Complete appraisal reviews.
Represent and promote the credit union professionally and positively within the community.
Participate in staff meetings, seminars, and training.
Comply with the Bank Secrecy Act (BSA).
Complete special projects as assigned.