Senior Dealer Services Loan Officer

MULTIPLI FEDERAL CREDIT UNION•Jefferson City, MO

12d

About The Position

Role: Analyzing indirect loan requests and making credit decisions based on lending policy. Assist members with their consumer lending needs. Essential Functions & Responsibilities: Analyzes submitted indirect applications to determine the degree of risk involved in extending credit or lending money. Makes decision to approve, disapprove, or forward the loan request to higher levels for decision. Review upline application review from other indirect buyers. Make decisions to approve, decline, or forward for review based on policy. Communicate with dealer partners on applications needing more information to make an accurate determination of risk. Coordinates indirect schedule for weekends and holidays. Explain loan and account programs to members, evaluates their needs and recommends options. Follows current loans to ensure compliance with terms and coordinates with collections. Works in conjunction with loan support team to resolve funding delays. Participate in sales development activities. Performs other job-related duties as assigned. Performance Measurements: 1. Provide informed, prompt, and accurate service and support to all members and associates by accurately processing, decision making, and relaying loan decisions to members/dealers sometimes outside traditional operating hours. 2. Ensure all documentation is completed with a high level of accuracy. 3. Maintain a 60-day delinquency rate at or below 1.00% of loan portfolio. 4. Maintain a charge-off rate of no more than .35% of loan portfolio. 5. Analyze complex loan requests and make appropriate decision or recommendation. 6. Troubleshoot and resolve members and internal inquiries in a timely, friendly, accurate manner. QualificationsKnowledge and Skills:

Requirements

Five years to eight years of similar or related experience.
A high school education or GED.
Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation.
Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Responsibilities

Analyzes submitted indirect applications to determine the degree of risk involved in extending credit or lending money.
Makes decision to approve, disapprove, or forward the loan request to higher levels for decision.
Review upline application review from other indirect buyers.
Make decisions to approve, decline, or forward for review based on policy.
Communicate with dealer partners on applications needing more information to make an accurate determination of risk.
Coordinates indirect schedule for weekends and holidays.
Explain loan and account programs to members, evaluates their needs and recommends options.
Follows current loans to ensure compliance with terms and coordinates with collections.
Works in conjunction with loan support team to resolve funding delays.
Participate in sales development activities.
Performs other job-related duties as assigned.
Provide informed, prompt, and accurate service and support to all members and associates by accurately processing, decision making, and relaying loan decisions to members/dealers sometimes outside traditional operating hours.
Ensure all documentation is completed with a high level of accuracy.
Maintain a 60-day delinquency rate at or below 1.00% of loan portfolio.
Maintain a charge-off rate of no more than .35% of loan portfolio.
Analyze complex loan requests and make appropriate decision or recommendation.
Troubleshoot and resolve members and internal inquiries in a timely, friendly, accurate manner.