Indirect Lending Buyer (Nevada)

Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.

Job Summary

Make lending decisions on dealer submitted credit applications in accordance to MACU lending guidelines, building and maintaining dealer relationships through marketing efforts. Provide quality service to members, dealerships, and Indirect Lending Staff members. Represent the credit union in a professional manner.

Job Description

LOCATION

Off-site Nevada

SCHEDULE

Full Time

To be effective, an individual must be able to perform each job duty successfully.

• Underwrites at an individual amount ($75,000) and a higher aggregate ($150,000 MACU debt) in all assigned vehicle financing. 
• Analyzes loan applications, credit bureau reports, collateral, member account information and other loan documentation in a timely and thorough manner to make consistent, sound lending decisions.
• Resolves a range of issues with a high degree of interpersonal skills.  Interactions involve gaining the agreement of others that are often difficult or stressful in nature.  Maintains confidentiality with others since information involves complex, detailed and often sensitive topics.
• Provides exceptional quality service to dealers, members and other MACU employees. 
• Requires a basic knowledge of government regulations, compliance issues and credit bureau terminology that includes credit bureau interpretations and fixes. 
• Provide exceptional service to assigned dealer partners through multi-mode communications. 
• Attains and possesses a working knowledge of the core system and loan origination systems.
• Maintains current knowledge of MACUs lending policies and loan origination processes from beginning to end. 
• Maintains mutually beneficial lending channels with vendors and merchants participating in our Automotive Indirect Lending Program.
• Maintains and expands a quality loan portfolio as outlined in the MACU loan policy statement.
• Performs other duties as assigned.

KNOWLEDGE, SKILLS, and ABILITIES

The requirements listed are representative of the knowledge, skills, and/or abilities required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience:

• 6 months of related underwriting experience in a fast-paced professional lending environment with a proven track record.

Education:

• Associates degree, or higher, from an accredited institution in business, marketing, finance, economics or related field, OR 2 additional years combined with experience time in a progressive underwriting financial setting.  Education will be verified.

Licenses, Certifications, Registrations

• Maintain MACU loan certification

Managerial Responsibility

• Has no managerial responsibilities

Computer/Office Equipment Skills

• Demonstrated skills with Microsoft Office Suite including Outlook, Work, PowerPoint, and Excel.
• Experienced with analytical and reporting software preferred.
• Demonstrated experience with Symitar, CUDL, Allegro, Lending 360 preferred.

Language Skills

• Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations
• Demonstrated ability to adjust communication content and style to meet the needs of the audience

Other Skills and Abilities  

• Ability to work both autonomously and collaboratively in a fast-paced environment.
• Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines
• Adaptive to change, responding quickly and positively to altered circumstances or conditions
• Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc.
• Able to skillfully negotiate a solution without damaging relationships
• Excellent inter-personal skills including the ability collaborate with ad-hoc teams
• Has a track record of obtaining set goals while acting with a clear sense of ownership

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit, talk and hear consistently

Ability to stand, walk, and use hands to handle or reach occasionally

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Weight Lifted or Force Exerted

Ability to lift up to 10 pounds occasionally

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers, light traffic)

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Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.