Dealer Services Representative IJoin the Keesler Federal Credit Union team! Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include: Medical, dental, and vision insurance Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses Employee and Dependent Life Insurance 401(k) Retirement Plan with 100% match on the first 5% contributed by you Paid Leave Tuition Reimbursement and Competitive Scholarships Short-Term & Long-Term Disability Benefits Employee Assistance Program We currently do not sponsor work related visas.
Position: Dealer Services Representative IDepartment: Indirect Lending
Reports to: Funding Manager Indirect LendingFLSA: Non-Exempt
Summary:
Responsible for all activities required to process Indirect loans from application through closing. Provides exceptional member service to dealers and processes loans in a timely, accurate, professional, and courteous manner.
Supervisory Responsibilities: None
Essential Functions:- Process Indirect loan applications. Gathers all necessary loan documents, validates accuracy, and updates LOS as needed.
- Calculates income of an applicant prior to an indirect lending contract being funded.
- Verifies employment, residence, and insurance as necessary.
- Assists Indirect Dealers with loan payoffs.
- Conducts phone interviews with members as needed.
- Communicates with dealers on missing stipulations and documents and follows up with them as necessary.
- Reviews applications for tolerance rule variances. Routes to person of proper level of authority.
- Assists in handling incoming phone traffic, in a professional and courteous manner, and routes calls appropriately.
- Utilizes Opening Act and/or Symitar to open and process new accounts.
- Communicates all funding verification problems to Indirect Funding Manager or his/her designee as soon as issues are identified.
- Accurately interprets the Fair Credit Act and the Privacy Act as they apply to credit unions.
- Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC)
- Maintains knowledge of and adheres to Keesler Federal Credit Union's internal compliance policies and procedures. Takes responsibility to keep up to date with changing regulations, policies, and department procedures.
- Meets established service and production goals for the Indirect Lending Department.
- Assists in the development of new projects and/or process improvements for the Indirect Lending Department as needed.
Other Duties and Responsibilities:
Assists others to complete assignments to meet goals and objectives.
Receives mail and distributes duties assigned on a daily rotation.
Logs Contracts received duties assigned on a daily rotation.
Knowledge and Skills:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education: A high school education or GED.Experience and Other Requirements:
At least one year of contract processing experience. Must exhibit a basic comprehension or arithmetic competency and possess basic clerical skills, including operating a PC.Must possess the ability to meet established productivity standards. Must be familiar with the auto finance industry, consumer credit, and trend analysis/analytics. Prior experience in finance/credit related industry and funding preferred. Must possess an understanding of title/lien perfecting in the automotive industry. Knowledge of the credit application verification process and its related documents is required. Must possess knowledge and understanding of credit laws and regulations. Must possess basic understanding of the credit bureau, debt to income, data on credit application and verification process. Must possess the ability to read and understand credit applications and credit reports. Good oral and written communication skills, basic mathematical skills, good investigative and member service skills required. Accuracy and attention to details are required. Friendly attitude and excellent interpersonal skills with dealers and other employees are required. Must possess an on-going ability to keep abreast of changing department policies and procedures. Must display a willingness and ability to be cross trained throughout the department. Must maintain confidentiality and display dependability. Punctuality and attendance are critical to this position. Must possess the ability to balance and adjust to the workload daily. Bilingual helpful. Flexibility to work overtime, including occasional Saturdays is required. Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Computer Skills: Extensive use of personal PC required. Must be proficient in the LOS. Must be proficient in Microsoft Word, Excel, as well as use of internet and e-mail. Certificates, Licenses and Registrations: Completion of CUNA's CPD Online courses as assigned and/or required.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, stand and walk; use hands and fingers to handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is occasionally required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move up to 10 pounds.
Work Environment:
The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Extensive use of desktop computer is required. Extensive use of a telephone headset or handset is required. The noise level is that of a normal office environment. Declaration: The human resources department retains the sole rights and discretion to make changes to this job description. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities 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.
