Job summary
Consumer Finance Underwriter and Operations ManagerResponsible for directing and managing staff on completing tasksPrimary functions include supervising the processing and underwriting
Job seniority: mid-to-senior level
Responsibilities
• Manages consumer finance application pipeline using the related origination system.• Overseeing applications for vehicle financing or home equity installment financing from consumers and supervising the preparation of necessary initial disclosures.• Supervise processes/reviews of documentation, assist in obtaining third-party documentation and validations, prepare credit packages for approval or denial, oversee and prepare closing documents, and request/approve funding for approved financing transactions.• Underwrite and approve or deny all consumer applications in accordance with program guidelines and credit policy.• Review and respond to quality control findings and implement process and procedural changes as necessary.• Advises clients and consumer Account Executives on UIF's consumer finance programs and solutions.• Follow up with on-board closed consumer finance transactions to Bank/ Servicing after transactions fund and manage follow-up for proper lien placement documentation using available technologies.• Assist in servicing functions as needed including collections, payoffs, Lien Releases, and repossessing delinquent consumer transactions.• ordering and reviewing Vehicle insurance commitments, valuations, and other related functions.• Assist with Strategic Initiatives & Vehicle Finance Division, SVP, in the leadership and development of the multistate vehicle finance division and other development initiatives as needed.
Requirements
• High school diploma or equivalent required.• Bachelor's Degree in business or related field desired.• 5+ years' experience with operational and closing management of consumer finance products and services, including vehicle financing processing/closing/servicing required.• Previous supervisory or management experience in banking/lending is required.• 3+ years' experience consumer underwriting required.• Experience working with Vehicle financing required.• Maintain and foster positive relationships with customers, team members, and business partners.• Complete all assigned training promptly.• Provide professional communication in both oral and written expression.• Excellent organizational, time management & and analytical skills.
Key Skills Needed
• Understanding of Religious, cultural, and ethnic sensitivity.• High degree of accuracy and attention to detail.• High degree of dependability.• High degree of confidentiality.• Strong customer service.• Strong Leadership and Management skills.• Able to manage and problem-solve effectively.• Ability to understand complex loan origination and core banking software.
