Job Opportunities API

Description JOB SCOPE : Develop and maintain dealership relationships by interacting with the personnel to establish partnerships which are beneficial to both the dealer and the Bank, Ensure that the relationships are profitable by educating the dealer personnel to bank exceptions and acceptable guidelines for portfolio performance regarding efficiencies, delinquency, repossession and charge-off numbers. (70%) Analyze credit applications submitted by dealerships; make sound credit decisions based upon the applicant’s credit worthiness, stability and propensity to repay the obligation based on past performance. Ensure that the credit decisions made are within the credit policies and adhere to all laws and regulations applicable to the Bank. (30%) JOB REQUIREMENTS : · Bachelor’s degree or equivalent experience. Comprehensive understanding of all consumer credit disciplines including planning and development, sales, marketing, asset quality and regulatory standards, income/expense components, capital market sources and current MIS/technology standards. Must be able to manage multiple operations and assemble/prepare human resources for continued profitable growth. PRIMARY DUTIES : · Interaction with the dealer to ensure profitable partnerships · Sale of credit decisions to the customer (dealer) · Prompt review and decision of credit applications · All duties must be completed in accordance with all Bank policies, procedures and all regulatory requirements including ECOA/Fair Lending SKILLS REQUIRED : · Requires exceptional oral and written communication and sales skills · Requires extensive knowledge of credit decisioning and ability to sell decision to dealership personnel · General knowledge of business law as it pertains to Fair Credit practices and regulations that are applicable to third party lending · Ability to reason and make independent decisions is an absolute necessity · Basic computer skills are required Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities