Indirect Lender

Essential Duties

• Represent the Bank to the customer in a courteous and professional manner.
• Furnish prompt, efficient, and accurate service.
• Build relationships with auto dealers to increase loan volume for the Indirect Department
• Keep up with the auto industry changes and make sure City Bank stays competitive in the Indirect market
• Underwrite Indirect loan applications sent in by auto dealerships
• Collect on past due Indirect loan accounts
• Service and maintain Indirect loans
• Customer support of Indirect loans
• Aid Indirect Lending Doc Prep to help expedite the funding process on Indirect loans
• Give attention to detail and provide excellent communication skills
• Maintain work area in a clean, neat, and professional environment
• Participate in training sessions as required by supervisor
• Interview loan applicants to obtain and analyze financial and other relevant information in order to determine the creditworthiness of each applicant and the merit of the individual request
• Establish and negotiate terms under which credit will be extended, including costs, repayment methods and collateral requirements
• Collect and analyze interim information on outstanding loans under servicing responsibility
• Collect accounts with an acceptable level of past dues
• Visit customer businesses for inspection of plant facilities
• Advise customers, when appropriate, on business management or financial affairs
• Serve as contact for customers of non-loan related services
• Develop customer base through an active solicitation of prospective and existing clients with an emphasis on selling bank products
• Approve loans utilizing individual lending authority as provided in loan policy
• Develop material for and make recommendations to Loan Committee on requests above individual authority requiring Committee approval
• Counsel with and assist in the training and development of other loan officers as requested
• Provide input to officers on loan requests as to credit quality, structure and pricing

Qualifications

• High school diploma or equivalent
• Minimum 2 years of experience in a similar position
• Strong interpersonal and communication skills
• Ability to work independently and as part of a team
• Knowledge of banking regulations and practices
• Proficiency in Microsoft Office Suite

Skills

• Excellent customer service skills
• Strong analytical and problem-solving abilities
• Ability to work under pressure and meet deadlines
• Knowledge of loan underwriting and servicing
• Ability to build and maintain strong client relationships

Benefits

• Paid vacation and sick leave
• Health insurance
• 401(k) plan

Pay

• $50,000 - $60,000 annually

Schedule

• Full-time