Area Sales Representative - Indirect Auto Lending

About the role

The Area Sales Representative (ASR) – Indirect Auto Lending plays a crucial role in driving indirect auto loan production while maintaining alignment with the bank's growth objectives, credit quality standards, and community-focused relationship banking philosophy.

Responsibilities

• Develop and maintain strong relationships with franchised and independent auto dealers
• Act as a local ambassador for the bank’s community-focused brand and service model
• Conduct regular in-market dealership visits to drive engagement and production consistency
• Identify, prospect, and onboard new dealer partners aligned with the bank’s credit culture
• Build and execute a strategic territory plan to increase loan volume and market share
• Leverage local networking, community presence, and industry connections to expand dealer relationships
• Meet or exceed established loan origination, volume, and profitability targets
• Maintain dealer production trends, credit quality, and portfolio performance
• Partner with internal teams to ensure efficient processing from application through funding
• Evaluate dealer-submitted applications and proactively address risk trends
• Collaborate with credit and risk teams to maintain strong portfolio performance
• Train dealership F&I teams on bank programs, processes, and submission expectations
• Provide guidance on deal structuring within established credit parameters
• Ensure dealers understand compliance requirements, including fair lending and documentation standards
• Work closely with underwriting, funding, servicing, and compliance teams to deliver a seamless experience
• Track and report dealer activity, pipeline, and production metrics
• Analyze territory performance to identify growth opportunities and risk exposure
• Maintain accurate and timely updates within CRM and reporting systems

Qualifications

• Bachelor’s degree in Business, Finance, or related field (or equivalent experience)
• 3–7+ years of experience in indirect auto lending, dealer sales, or automobile finance
• Proven track record of building and managing dealer relationships
• Strong understanding of indirect lending operations and credit fundamentals
• Familiarity with the local/regional dealer market
• Experience with loan origination and dealer management systems

Skills & Competencies

• Relationship-driven mindset aligned with community banking values
• Strong sales, negotiation, and business development capabilities
• Solid credit acumen and risk awareness
• Excellent communication and interpersonal skills
• Self-motivated with strong territory management discipline
• Ability to balance growth objectives with credit quality standards

Benefits

Presidential Bank, FSB offers a competitive benefits package that includes paid leave, health, dental, vision, disability, and life insurance as well as two retirement plans.

Pay

$85,000 - $95,000 annually

Schedule

Full-time