Indirect Lending Credit Officer

Nusenda-Credit-Union; El Paso (TX); In loco; USD 55.000 - 75.000; Tempo pieno

Vantaggi offerti da questo lavoro

Health and wellness options

401(k) matching contributions

Professional development

Descrizione del lavoro

Nusenda Credit Union is seeking an Indirect Lending Credit Officer to evaluate loan quality by underwriting indirect consumer loans in accordance with policy and guidelines. You will work with auto dealerships to clear underwriting conditions and ensure that members and dealerships receive market-leading service.

The role requires 1–5 years of related experience and an Associate's Degree, with open availability Monday–Friday 11:00 AM–8:00 PM and Saturdays 12:00 PM–8:00 PM.

Competenze

• 1–5 years of related experience.
• Associate's Degree in business or related field.
• Knowledge of underwriting guidelines and lending policies.

Mansioni

• Evaluate loan quality by underwriting indirect consumer loans in accordance with policy and guidelines.
• Work with dealerships to clear underwriting conditions and required documentation.
• Ensure that members and auto dealerships receive market-leading service with emphasis on credit quality and market share growth.
• Review and determine approval of indirect loans submitted to Lending Authority.
• Decide loan applications and communicate decisions to relevant staff and external vendors.
• Adhere to underwriting procedures and validate required documents.
• Build and maintain relationships with internal and external contacts via phone and email.
• Provide consultative feedback to increase product knowledge and understanding of decision conditions.

Conoscenze

Underwriting indirect loans

Credit risk assessment

Dealership relations

Customer service

Formazione

Associate's Degree

Descrizione del lavoro

Nusenda Credit Union is dedicated to excellent member service, care for our community, and being a great place to work. We strive to make a positive difference in the lives of our members and the communities we serve to help them achieve their financial goals. Diversity, equity, and inclusion are part of our culture and values.

As an employer of choice, we invest in people and their careers. Our competitive employee benefits include several health and wellness options, competitive 401(k) matching contributions, professional development, and tuition assistance and more!

Thank you for your interest in joining the Nusenda team!

We are currently seeking an Indirect Lending Credit Officer to join our organization. As the Indirect Lending Credit Officer, you will be responsible for evaluating loan quality by fully underwriting, identifying, assessing, and reporting credit risks in all indirect consumer loan types in accordance with credit union policy and guidelines. You will work with dealerships to clear underwriting conditions and/or stipulations while understanding required documentation for making a well-educated underwriting decision. You will ensure that the credit union’s members and auto dealerships are provided a market-leading service relationship with an emphasis on both credit quality and increasing market share by enhancing dealer relationships and providing best-in-class service.

To thrive in this role, you should have One to Five years of similar or related experience and an Associate's Degree.

What You'll Do:

• Evaluate loan quality by fully underwriting, identifying, assessing, and reporting credit risks in all indirect consumer loan types in accordance with credit union policy and guidelines.
• Work with dealerships to clear underwriting conditions and/or stipulations while understanding required documentation for making a well-educated underwriting decision.
• Ensures that the credit union’s members and auto dealerships are provided a market-leading service relationship with an emphasis on both credit quality and increasing market share by enhancing dealer relationships and providing best-in-class service.

What You'll Need:

• One to three years of similar or related experience.
• Associate's Degree in business or related field.

Key Skills and Experience:

• Review and determine approval of indirect loans submitted to the Credit Union.

Decisions loan applications within the Lending Authority and communicates decisions with Member Experience staff and/or external vendors.

Ensure adherence to established underwriting procedures and policies to include validating required documents.

Build and maintain relationships with internal and external contacts through daily and follow up communication by phone, email etc.

Provide consultative feedback to increase product knowledge, identify opportunities, and increase understanding of decision conditions to enhance member service.

We are searching for candidates who have open availability Monday through Friday, 11:00 AM to 8:00 PM; Saturdays, 12:00 PM to 8:00 PM. Availability to work holidays as business needs require.

Nusenda Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.