RAC Underwriter I

Truist • Gastonia, NC

10d

About The Position

The position is responsible for achieving asset quality objectives, underwriting standards via credit and loan originations, internal sales and marketing, profit objectives, volume and growth goals for the center. This is the initial line in ensuring we manage Risk per Truist expectations.

Requirements

• Associate’s degree, or equivalent education and related training or experience
• Proficient written and verbal communication skills
• Good interpersonal skills
• Strong organizational skills and time management
• Ability to multitask in a fast paced environment and manage tasks efficiently
• Ability to work independently during periods of limited supervision
• Ability to work flexible schedules including weekends and evenings
• Demonstrated proficiency in basic computer applications, such as Microsoft Office software products

Nice To Haves

• Bachelor’s degree in Business or related field, or equivalent education and related training or experience
• Credit underwriting experience
• Knowledge of the automotive finance industry
• Bilingual

Responsibilities

• Responsible for making quality credit decisions in a fast paced environment.
• Comply with all stated guidelines, policies and procedures as well as all State and Federal rules and regulations.
• Perform internal and external sales and marketing to present our Value Promise to effectively develop profitable Dealer Client Relationships.
• Assist Loan Processing teammates to ensure efficient and compliant funding procedures.
• Visit assigned Dealer Clients independently or jointly with Relationship Manager to develop stronger relationships to enhance volume.
• Review all early payment defaults and document findings. In addition, follow-up with dealership personnel on any fraudulent items (e.g. straw purchases, missing options).
• Provide a high level of customer service to customers and clients in support of our Perfect Client Experience (PCE) initiatives.
• Maintain application approval rates at an acceptable level as set by corporate standard.
• Other Critical Tasks and Duties assigned, including, but not limited to documentation of marketing activities in client relationship management.

Benefits

• All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.
• Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates.
• Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays.
• Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Associate degree
• Number of Employees: 5,001-10,000 employees