Indirect Dealer Lending Specialist

: As the nation's largest community credit union, we begin every day focused on delivering superior financial products and services for our 1.3 million members and more than $30 billion in managed assets. Our work has an economic impact as we support our members' financial goals. We are unapologetic about being devoted to our members and the communities we serve. Our business is guided by our people helping people philosophy - which includes our team members. BECU has been in business for more than 85 years, driven by unwavering core values and a dedication to improving the communities we serve. While we have a rich history, the future of our company, accelerated by business and technology transformation, is even brighter. There's never been a better time to work for BECU. To learn more visit becu.org/careers. PAY RANGE The Target Pay Range for this position is $24.13-$29.47 hourly. The full Pay Range is $18.75-$34.90 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company's 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here . SUMMARY The Indirect Dealer Lending Specialist is responsible for gathering and compiling in-process and completed dealer generated auto and RV loan document packets for Indirect Dealer Lending. This person is also responsible for completing a quality control document inventory checklist, accurately performing appropriate data entry tasks, processing and funding auto and RV loans, and forwarding all completed loan files to the Records department. The Indirect Dealer Lending Specialist is an Automotive Industry Financing Specialist and must have a thorough understanding of acceptable collateral types and their relative associated values. The Indirect Dealer Lending Specialist will interact with both members and dealerships, including discussing loan decisions and conducting interviews for loan requests. RESPONSIBILITIES

• Perform all responsibilities in accordance with BECU Competencies, compliance, regulatory and Information Protection requirements.
• Maintain thorough understanding of state and federal regulations pertaining to Consumer and Indirect Dealer Lending, how departments interact with the Indirect Lending department and all forms/documentation necessary for each type of loan made by the Indirect Lending department.
• Audit the completion and accuracy of the loan application and other supporting documents upon receipt from dealers, entering application details and loan structure into the computer system, routing the appropriate documents for underwriting and funding.
• Conduct proper review and control of loans, ensuring that documentation is complete and that all calculations are accurate and compliant.
• Conduct interviews to obtain all information necessary to obtain loan funding documents from dealers and/or members.
• Recommend changes to improve Indirect Dealer Lending loans, underwriting, and disbursement processes.
• Maintain and review accounting reports, including balancing to GL accounts and maintaining service level spreadsheets.
• Ensure that all members and dealerships receive prompt, efficient, and courteous service and that problems/complaints are resolved promptly and courteously, with follow through resolution.
• Conduct Quality Control confirmation calls with members, soliciting their feedback about the dealership buying experience and validating information provided by dealerships.
• Document individual Quality Control confirmation call information for use with Audit examinations, on-going Dealership Relationship, and lending program management.
• Perform background checks on applicants for membership/lending purposes, including certifying and validating credit bureau Fraud/Credit Alerts directly with members prior to granting credit.
• Recommend loan processing/credit exceptions to Consumer Loan Underwriting and/or Management, staying in conformance with lending policy, interest rates, and terms.
• Analyze and understand credit reporting and scoring, validate member/dealer provided income and certify collateral security interest is pledged and is in the Credit Union's best interest.
• Perform APR validation on loan contracts utilizing validation tools, documenting results, performing buy-down calculations, documenting quotes and collecting buy-down payments.
• Participate in technical project teams in the development of Credit Union products/services.

BASIC QUALIFICATIONS:

• Associate degree in business or equivalent work or educational experience required.
• Minimum 1 year of data entry with high degree of accuracy required.
• Minimum 1 year of experience with loan products and transaction processing at BECU or another financial institution required.
• Ability to lift 25 pounds, with bending and mobility to move large objects required.
• Occasional travel required.

PREFERRED QUALIFICATIONS:

• Experience in a dealer funding environment preferred.
• Full time hours required with additional hours as necessary.
• Ability to handle multiple tasks by prioritizing job responsibilities and pay attention to details.
• Verbal and written skills that allow you to effectively communicate and provide customer service.
• Math ability, PC skills and organizational skills.

EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.