Consumer & Indirect Lender

At INTRUST Bank, People Come First. Guided by strong character qualities—such as respect, compassion, humility, positivity, and initiative—we work to support one another, serve our customers, and strengthen our communities. Here, your career matters. You’ll find an environment where you’re encouraged to grow, empowered to lead at any level, and supported as you build a meaningful career with a trusted organization. Job Summary: Uses knowledge, independent judgment, and strong analytical skills to underwrite, evaluate, and decision indirect and consumer loan applications in compliance with established lending policies, procedures, and credit guidelines. Examines and authorizes approvals or denials for appropriate indirect and consumer loan products, ensuring decisions reflect sound credit quality and balanced risk management. Cultivates, maintains, and enhances new and existing relationships with auto dealerships participating in the INTRUST Indirect Lending Program, supporting program growth and effective dealer engagement. Coordinates loan closings, provides expertise to assist in the implementation of new processes or procedures, and cross sells consumer and small commercial loan solutions as appropriate. Promotes an environment of teamwork within the department and across the bank. Represents INTRUST Bank in all they do in the community and is focused on the development of new business relationships. Must maintain strict standards of confidentiality and perform duties in a manner supporting INTRUST’s Character Qualities. Essential Functions: All expectations described in the job description’s essential functions are necessary to be successful in this role, performed with or without a reasonable accommodation. Evaluates and renders decisions on indirect and direct consumer loan applications, balancing sound credit quality, risk management, and loan growth considerations.Applies applicable credit policies and procedures using experience, judgment, and delegated authority to approve, deny, recommend, or escalate loan requests and policy exceptions as appropriate.Communicates with applicants, auto dealers, and internal partners to obtain required information, explain credit decisions, and outline approval conditions, stipulations, or documentation requirements.Develops, maintains, and enhances relationships with participating and prospective auto dealerships in support of the INTRUST Indirect Lending Program, which may include overnight stays in regional areas.Works directly with dealer partners to promote program awareness, support dealer engagement, and strengthen mutually beneficial business relationships.Monitors dealer performance, including delinquency trends, title completion, funding quality, application activity, approval performance, and other program-quality metrics.Ensures accurate loan documentation, funding, lien perfection, and compliance with established procedures.Maintains working knowledge of applicable consumer lending laws, regulations, credit policies, and internal procedures to support compliant lending practices.Assists bankers and internal partners with consumer loan products, customer communication, credit structure, and lending-related questions.Supports departmental goals, loan growth, portfolio quality, customer service, and effective risk management, both individually and as part of the team. Education and Experience: Bachelor’s degree preferred. Three to five years in banking or finance, or underwriting of lending products preferred. Experience in sales and business development related field. Required Skills and Knowledge: Pleasant demeanor and a commitment to excellent customer service. Knowledge of consumer lending regulations. Experience making credit decisions and managing a loan portfolio. Excellent written and verbal communication skills. Must have excellent sales skills, including strong interpersonal skills. Ability to work independently. Ability to speak effectively to customers and dealers regarding sensitive inquiries about lending decisions. Excellent analytical and judgment skills. Highly motivated and team oriented. Required Licenses and/or Certifications: Nationwide Mortgage Lending System (NMLS) Registered or ability to meet qualifications for registration. Physical Demands: Long periods of time will be spent viewing personal computer, sitting, standing and walking. Occasional lifting up to 25 lbs. Must be able to hear and speak clearly both face-to-face and over the phone. Must be able to use hands to key information and handle objects. The physical demands necessary for this role should be performed with or without a reasonable accommodation. Working Conditions: Normal office conditions. Position will require some travel to visit dealer partners and prospects. This job description summary is not intended to be an employment contract, nor is it intended to state or imply these are the only activities to be performed by the employee occupying this position. Employees will be required to follow any other duties as assigned or requested by their supervisor. INTRUST Financial Corporation and its subsidiaries, including INTRUST Bank, are Equal Opportunity Employers whose policy is not to discriminate unlawfully against any qualified employee or applicant for employment on the basis of protected military or veteran status, disability, race, color, religion, sex, age, national origin, pregnancy, genetic information, sexual orientation, gender identity, or any other classification protected by applicable local, state or federal law; except where an individual’s protected category constitutes a bona fide occupational qualification.