Qureos Mentor

Everwise Credit Union

<div>Job Description:
Position Summary :
The Supervisor, Indirect Funding, oversees the daily operations of the indirect funding team, ensuring accurate, efficient and compliant processing of indirect loans. The incumbent will serve as a liaison that collaborates with external dealership partners, underwriters, and internal departments to resolve concerns and issues while also assisting the funding team, providing guidance and direction to meet departmental and organizational objectives.
Primary Responsibilities &amp; Duties
Manage the daily workflow of business through the funding department. Assist the Funding Manager with leading, managing, training, and developing the Indirect Funding team to meet departmental and organizational objectives. Act as a liaison with dealerships, building and maintaining relationships to facilitate loan origination and resolve issues. Ensure accurate and efficient onboarding, funding, file maintenance and documentation on all Indirect loans. Monitor and audit funding activities to ensure established credit union policies and procedures are met. Ensure stipulations and conditions of loans have been reviewed and are acceptable by credit union guidelines. Review documents for potential fraud; communicate suspected fraud and/or discrepancies to Management and appropriate credit union leaders. Interact with dealers, members, and/or credit union staff to obtain missing or invalid information and documentation to complete funding processes. Partner with the Funding Manager and Operations Specialist to enhance system functionality and user experience within the Loan Operating System. Configure Indirect dealers in department systems including programming in the LOS. Maintain dealer files and assist with regular due diligence on active dealers, and update dealer information and contacts as they change. Responsible for maintaining and updating Everwise documents and communication to dealers within Dealertrack, Route One and App One systems. Process and maintain the Indirect monthly reserve payouts, charge backs and paid loans to dealer partners. Responsible for creating and distributing monthly Repo Report to Indirect department. Assist and work closely with other business units on collection of outstanding vehicle titles, delinquent loans, loan servicing issues, fraud files and other issues as needed. Assists Indirect Lending staff with keeping the loan origination system functioning as expected. Assumes additional responsibilities as assigned to assist with the growth of the credit union and the Indirect Lending department.
Knowledge/ Skills:
<ul><li>Strong interpersonal and communication skills.
</li><li>Proficient in Microsoft Office Suite and data entry.
</li><li>Strong problem-solving skills that involve multiple variables.
</li><li>Ability to effectively present information and engage with clients in person and over the phone.
</li><li>Ability to perform efficiently while working under deadlines and time constraints.
</li><li>Strong leadership and people management skills with the ability to lead difficult conversations utilizing tact and discretion.
</li></ul>Minimum Requirement
<ul><li>High School Diploma, GED or equivalent certification.
</li><li>2+ years of experience in Indirect Funding or comparable experience in a related field and knowledge of financial services.
</li><li>Leadership experience preferred.
</li><li>A thorough understanding of consumer lending regulations such as the Equal Credit Opportunity Act (Regulation B) and Truth in Lending (Regulation Z).
</li></ul>Everwise is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.</div>

Supervisor, Indirect Funding

<div>Job Description:
Position Summary :
The Centralized Underwriter is responsible for reviewing and evaluating all consumer loan applications to determine risk levels and formulate credit decisions. The incumbent will apply underwriting principles and guidelines to make informed decisions and manage risk effectively to formulate credit decisions for consumer loan applications.
Primary Responsibilities and Duties:
<ul><li>Review, analyze and evaluate loan applications for completeness and accuracy utilizing departmental policies and strategies.
</li><li>Assess risk factors associated with applicants and determine eligibility for credit to protect credit union assets.
</li><li>Collaborate with branch employees to gather additional information as needed.
</li><li>Responsible for making sound lending decisions based upon Everwise&rsquo;s underwriting and documentation requirements.
</li><li>Communicate underwriting decisions to the originating loan officer and provide rationale on credit decisions when necessary.
</li><li>Personal lending limit may vary according to experience, quality of loan decisions, and product type.
</li><li>Responsible for maintaining a professional relationship with Retail Branches and MCC team by providing prompt, courteous, and quality service.
</li><li>Ensure compliance with company policies, regulatory requirements and accountable for understanding and applying government laws and regulations and Everwise&rsquo;s policies and procedures relating to the Anti-Money Laundering Regulations including but not limited to the Bank Secrecy Act (BSA), US PATRIOT ACT and OFAC.
</li><li>Assumes additional responsibilities as necessary for the growth and advancement of the credit union.
</li></ul>Knowledge/Skills:
<ul><li>Ability to comprehend detailed instructions.
</li><li>Strong analytical and problem-solving skills
</li><li>Excellent communication and interpersonal skills
</li><li>Ability to work well with others in a team environment.
</li><li>Proficient in Microsoft Office Suite
</li><li>Strong organizational, prioritization and time management skills. Ability to perform efficiently while working under deadlines and time constraints.
</li></ul>Minimum Requirements:
<ul><li>High School diploma or GED
</li><li>3+ years lending and/or financial experience required
</li><li>Variability of shifts may include weekday, evening or weekend hours.
</li><li>Hybrid position with expectation to work in office a minimum of 1 day per week.
</li></ul>Everwise is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.</div>

Centralized Underwriter

Join Everwise Credit Union and explore 2   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

Everwise Credit Union

About Company

Supervisor, Indirect Funding

Centralized Underwriter