Top-tier health and wellness benefits, including comprehensive benefits packages
Enhanced mental health benefits through SunLife 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 In the role, you will be responsible for the following:
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 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 FirstOntario policies and procedures
Our inclusive work setting welcomes diversity and supports accessibility. If you require accommodation at any time during the recruitment process, please let us know.