Indirect Lender I

Responsible for establishing and maintaining effective relationships with dealership partners. Develops new business and expands existing relationships with owners, General Managers, Finance Managers and other staff. Evaluates and approves/declines credit decisions according to policy.

Major Duties and Responsibilities

Description

• Serves in an outside sales function as the main liaison with dealerships to create profitable relationships.
• Performs sound lending decisions based upon underwriting and documentation requirements.
• Accepts dealer loan applications from various sources, such as fax, internal, etc., being utilized from the dealers. Evaluates loan applications utilizing the organization’s lending matrix.
• When appropriate and necessary, contacts the Finance Manager (or the appropriate contact at a particular dealer) and communicates the credit decision.
• Reviews, counsels and assists in approving/declining loans for other departmental staff, as necessary.
• Assists in ongoing training of other loan staff, particularly in areas of expertise.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Knowledge and Skills

Experience

Two to Five years of similar or related experience, including time spent in preparatory positions.

Education/Certifications/Licenses

A high school degree or GED is required.

Interpersonal Skills

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating and/or advising others on matters of significance.

ADA Requirements

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled private work area with minimal noise.

Compensation: Actual compensation figures are based on a number of factors including work experience, relevant skills and training, and if applicable, licenses or certifications. In addition, First Heritage offers a very strong benefits package as well as multiple position levels to allow growth and earnings potential.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising the highest level of discretion on both internal and external confidential matters.