Arizona Central Credit Union Ranked Top 10 Credit Unions in AZ for 2024
"Ranking Arizona: Top 10 credit unions for 2024" AZBIGMEDIA
Arizona Central Credit Union offers a comprehensive benefits package, including medical, dental, vision, 401k with up to 6% match, an employee assistance program, and much more.
Role: This position will work closely with lending staff to make credit decisions based on credit union lending policy and cultivate a strong lending pipeline. The ability to build and maintain strong dealer relationships is critical for success. Summary of Essential Job Functions and Responsibilities:
Develop, train and monitor underwriters to ensure safety and soundness. Recommend policy and procedure updates as needed.
Direct, motivate, and manage the performance of department personnel; administer performance evaluations and recommend appropriate personnel actions. Ensure prompt loan decisions, processing and funding of loans, resulting in department goals and objectives being met.
Take escalated/supervisor calls.
Review, analyze, and underwrite indirect loan applications including retail and third-party referrals. Review credit applications, credit reports, calculate applicable ratios (i.e. Debt ratios, loan-to-value) evaluate borrower circumstances and determine loan decision based on policies and guidelines.
Gather required information & documentation from dealer, member, or 3rd party partner and prepare loan for booking (Funding) by entering required data in systems.
Follow set procedures when booking loans in the core system, disbursing loan proceeds, ensuring daily funded totals are in balance.
Foster positive and productive relationships with dealers and other third parties, in person and on the phone.
Participate in quality control of loan files, verify accuracy of documentation, and assist funding with collecting pending conditional items as needed.
Make decision to approve, counteroffer, or deny loan requests that are outside of credit union lending guidelines but within policy.
Authorize release of collateral on existing loans, changes in loan terms, waivers of payments, due date change, etc.
Review, analyze and create various lending reports. Utilize performance analytics to evaluate dealerships volumes, participation, current and on-going relationships.
Work with dealerships to correct outlying portfolio performance and/or establish appropriate corrective action to rectify dealership or vendor performance.
Hours:
Monday - Friday 9:00am - 5:30pm, some weekends and holidays
Rotating Saturdays
Remote work is available after 90 days (Hybrid).
Frequent travel to auto dealerships to build and maintain relationships is required
Knowledge, Skills and Abilities:
Five to eight years of similar experience in indirect lending, sales, and supervising others.
One to two years of building and maintaining strong dealer relationships.
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