Senior Dealer Finance Representative (Hamilton)

Why First Ontario? - Competitive compensation packages - Top-tier health and wellness benefits, including comprehensive advantages packages - Enhanced mental health benefits through Sun Life and TELUS Health - Exclusive banking benefits - Pension Plan - Up to $1000 per year towards professional development - Company-wide Employee Volunteer program (Blue Wave Program) - Employee and Family Assistance Program Job Overview The Senior Dealer Finance Representative with lending limits is responsible for reviewing dealer finance-generated credit applications and providing prompt service to dealerships. Role - Receive, process, and review all applications with special attention to near and non-prime applications from dealers through the loan system, referring any loans not approved by the system or within Letter of Authority to Manager, DFC or Delegate for their review/approval - Interpret rate sheets, and experience in pricing in a non-prime environment - Perform all duties including overrides within guidelines outlined in your "Letter of Authority" - Promptly manage relationships with dealerships; including handling all incoming calls and inquiries - Ensure all loans are secure prior to being advanced - Diligently complete daily tracking and follow up on pending deals - Conduct investigations and research as it is needed to support applications - Provide dealership correspondence in a timely manner - Communicate with members if any fraud warnings arise - Support team to ensure maximum efficiency in delivering member service - Adhere to policies and procedures at all times, as amended from time to time - Assist with cross training and job shadowing in all areas within the department - Consider health & safety as a primary concern to ensure the overall well-being of yourself and others - Perform other duties as assigned Required Skills and Qualifications - Completion of Grade 12 or equivalent - 5+ years Credit Union/other Financial Institution experience specific to dealer finance loans with a minimum of 1-2 years proven experience in non-prime lending; - Ability to interpret rate sheets, and experience in pricing in a non-prime environment - Competent knowledge of Microsoft Office Suite including Excel and equivalent banking and lending platforms. - Proven experience reviewing loans within assigned Letter of Authority including higher risk based lending limits - Work within established departmental hours including Saturdays and extended hours to meet Member service needs - Strong understanding of credit lending and loan proofing with experience in near and non prime lending - Must have superior interpersonal communication and negotiation skills - Inherently demonstrate a high level of integrity and trustworthiness - Must be able to work well with minimum supervision - Ability to effectively problem solve to find creative and beneficial solutions - Ability to work in a high volume fast paced environment while being flexible and adaptable to changing priorities - Be able to take action in difficult and challenging situations and deal with uncertainty - Ability to identify and mitigate enterprise risk factors and ensure compliance with applicable regulations, legislation and First Ontario policies and procedures Our inclusive work environment welcomes diversity and supports accessibility. If you require accommodation at any time during the recruitment process, please let us know. This posting is for an existing vacancy. #J-18808-Ljbffr Apply on Kit Job: kitjob.ca/job/2p14ds