Dealer Finance CSR

Dealer Finance CSR – Harrisonburg Downtown Office. Directly support the indirect dealer finance lending team, assisting customers with dealer finance accounts or loan needs in a professional and courteous manner.

Responsibilities

• Directly support the indirect dealer finance lending team.
• Properly and efficiently assist customers with dealer finance accounts or loan needs in a professional and courteous manner.
• Perform various administrative and service‑oriented functions assigned to the Dealer Finance department.
• Develop, maintain, and grow relationships with customers and dealerships within the program as needed through service and support.
• Deliver a positive customer experience when working with borrowers, internal, or external partners.
• Ensure accuracy of loan documents and completion of loan packages.
• Assemble documents for loan packages and assist in the funding of loans.
• Enter loan information into appropriate systems, including any maintenance requests and uploading of loans.
• Verify all imaged documents are complete and valid.
• Post General Ledger items when necessary.
• Obtain and review current insurance information associated with the loans and collateral.
• Refer customers to the appropriate bank area when they seek to add additional products and services to their banking relationship.
• Promote and market the bank through strong customer service, meet quality standards, and communicate in a polite, effective, and professional manner.
• Assist in monitoring delinquencies within the Dealer Finance portfolio.
• Work with team members and assist in collection efforts of the department and portfolio with loans up to 45 days past due.
• Notify customers of delinquent accounts by mail, telephone, or other effective means when necessary.
• Monitor and review reports and reporting systems to assist lenders and the department in collection efforts, portfolio management, and dealer relationship management.
• Arrange for debt repayment or establish repayment schedules based on the customer's financial situation and follow up on any variances.
• Advise customers of any necessary actions and strategies for debt repayment.
• Communicate with borrowers to determine reasons for overdue payments and to review the account terms.
• Ensure any payments processed through collection efforts post correctly to the associated customer's account in a timely manner.
• Trace delinquent customers through various identified and available sources.
• Maintain a strong collaborative and coordinated strategic relationship with all other departments, including financial centers, administration, compliance, and internal audit.
• Develop, maintain, and utilize associated dealer services software currently in use or added in the future.
• Process transactions such as loan payments or any related customer transactions with dealer accounts.
• Create new CIF profiles and review existing customer CIF profiles to properly identify customers and review for accuracy and full relationship information.
• Assist with account CIF maintenance.
• Create loan charge‑off packages for review and approval and process associated transactions.
• Ensure filing of electronic liens on collateral associated with indirect dealer loans.
• Monitor and support team members in clearing loan exceptions.
• Answer telephone calls and assist customers with their questions and financial needs.
• Investigate and correct any errors associated with portfolio loans or servicing needs.
• Ensure adherence with all current and future compliance requirements.
• Resolve customer issues in a professional courteous manner at all times.
• Actively make sales referrals and encourage all market segments to use the PCB family of financial services.
• Perform other duties as may be deemed necessary to support Bank activities.

Competencies

• Ability to promote and market the bank through strong customer service and communication.
• Ability to adjust quickly to different work situations in a fast‑paced environment.
• Clear and professional oral and written communication with all levels of staff and external contacts.
• Maintain confidentiality at all times.
• Attention to detail to assure accuracy, detect errors, and follow through on corrections.
• Ability to utilize various software platforms.
• Knowledge and understanding of all applicable laws, regulations, and bank policies and procedures.
• Time management skills to complete assignments, prioritize multiple tasks, meet short deadlines, and maintain production despite frequent interruptions.
• Ability to establish and maintain cooperative and professional working relationships with employees, vendors, and customers.

Education

High School Diploma or equivalent.

Skills

• 2+ years of banking or dealer finance service experience (preferred).
• Experience in an office environment with administrative responsibilities.
• Critical thinking skills and attention to detail.
• Understanding of collection processes and related federal and state requirements.
• Ability to handle multitask situations and working environment.
• Strong verbal and written communication skills.
• Strong relationship‑building skills.
• Excellent time management skills and attentiveness to detail.
• Adequate computer skills; proficiency with Microsoft Word and Excel.
• Ability to work independently and complete projects using a team approach.

Pay

Hourly, pending experience.