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Analyze information received from credit applications and credit reporting agencies to make prudent credit decisions
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Maintaining/exceeding established standards and targets while adhering to all credit policies, procedures and guidelines
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Escalate with recommendation those credit applications that exceed discretionary limits and established guidelines
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Assessing credit worthiness of prospective customers and approving / recommending credit terms and limits appropriate to the customer's requirements on Consumer \& Commercial accounts
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Establish dealer relationships by building rapport through telephone contact
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Ability to take initiative and work in a team environment to deliver excellent customer service in meeting turnaround times by processing requests
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Flexible, reliable, conscientious and able to follow directions
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Perform due diligence in support of all credit applications
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Negotiate terms and conditions of loan decisions with dealers within established approval/exception guidelines
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Sound knowledge of assessing and reviewing financial statements to ensure credit worthiness vs acceptable level of risk by interpreting and applying the corporation's credit and operational risk management strategies
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Promote and provide a high standard of service to dealers and other areas within the company/adhering to service standard guidelines
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Support both inbound and outbound calls with a focus on providing professional customer service related to consumer/commercial applications, programs, rates and vehicle residual values to maintain positive relationships
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Maintain good channels of communication with all business units including interaction with senior leadership team
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Contribute to operational improvements to streamline procedures/processes and enhance service
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You possess strong analytical and problem-solving skills.
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You are an innovative thinker with strong ability for strategic vision.
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You have the ability to analyze credit data to determine the degree of risk involved in extending credit.
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You achieve required credit quality and productivity by ensuring all queues are worked to acceptable service levels.
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You have knowledge of consumer finance and banking environment.
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You have an ability to work under pressure and make decisions in a fast-paced environment.
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You have excellent negotiation skills.
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You have a strong work ethic.
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You ensure credit center office cooperation with other departments to maximize efficiency within the company.
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You possess customer relations skills.
