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Direct Loan Officer- Indirect Auto Lending

Company: Nicholas Financial
Location: Tallahassee
Posted on: August 5, 2022

Job Description:

Job DescriptionThis position is responsible for soliciting new customers for direct loans and achieving the company's assigned minimum monthly volume hurdle requirement. Exercises discretion and professionalism in soliciting, processing and closing of all direct loans included but not limited to: composing correspondence, ensuring the safekeeping of internal/external customer files, maintaining accurate files and records, filing, typing reports, proposals, memos and letters. Handles, directs or screens incoming telephone calls. Responsible for handling matters of a complex and/or confidential nature. Duties & Responsibilities

  • First and foremost, this position solicits and processes the entire function of Consumer Loans from beginning to end.
  • Accurately and timely processes and files insurance policies: cancellations, renewals, etc. and updates customer accounts. Often contacts customers and insurance companies.
  • Accurately and timely processes and files dealer contracts: enters data into the NFI computer system, verifies accuracy of information from the contract to the data sheet, etc.
  • According to policy, accepts checks, money orders, etc. in the exact loan amount from customers and provides receipt.
  • Assists with credit applications: reviews credit applications for credit worthiness according to guidelines and pulls credit bureaus accordingly.
  • Assists Collector with collections: posts payments, communicates with customers (both on the phone and one-on-one) and places notes in NFI system regarding payment dates, etc. Advises Collector of developments.
  • Maintains compliance with industry regulations.
  • Screens phone calls, visitors, and incoming correspondence; personally responds to requests for information concerning office procedures, customer inquiries and requests.
  • Performs other related job duties/special projects as assigned.Competencies
    • Analytical – Synthesizes diverse information; collects and researches data.
    • Design – Demonstrates attention to detail.
    • Problem Solving – Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason when dealing with emotional topics.
    • Project Management – Completes projects on time.
    • Technical Skills – Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.
    • Customer Service – (internal and external) Manages difficult or emotional customer situations; responds promptly to customer needs; responds to request for service and assistance; meets commitments; solicits feedback to improve service.
    • Interpersonal Skills – Focuses on solving conflict, not blaming; maintains confidentiality; listens to others without interrupting; keeps emotions under control; remains open to others' ideas and tries new things.
    • Oral Communication – (one-on-one and telephone); speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions.
    • Written Communication – Presents numerical data effectively; able to read and interpret written information.
    • Teamwork – Balances team and individual responsibilities; exhibits objectivity and openness to others' point of views; gives and welcomes feedback; contributes to building a positive team spirit; puts success of team above own interests; able to build morale and group commitments to goals and objectives; supports everyone's efforts to succeed.
    • Visionary Leadership – Provides vision and inspiration to peers.
    • Change Management – Prepares and supports those affected by change.
    • Quality Management – Looks for ways to improve and promote quality; demonstrates accuracy and thoroughness.
    • Business Acumen – Displays orientation to profitability.
    • Cost Consciousness – Conserves organizational resources.
    • Diversity – Demonstrates knowledge of EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes a harassment-free environment.
    • Ethics – Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically upholds organizational values.
    • Organizational Support – Follows policies and procedures; supports organization's goals and values; benefits organization through outside activities; supports affirmative action and respects diversity.
    • Judgment – Displays willingness to decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process; makes timely decisions.
    • Motivation – Sets and achieves challenging goals; demonstrates persistence and overcomes obstacles; measures self against standard of excellence; takes calculated risks to accomplish goals.
    • Planning/Organizing – Prioritizes and plans work activities; uses time efficiently.
    • Professionalism – Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration regardless of their status or position; accepts responsibility for own actions; follows through on commitments.
    • Quality – Demonstrates accuracy and thoroughness; looks for ways to improve and promote quality; applies feedback to improve performance; monitors own work to ensure quality.
    • Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.
    • Safety and Security – Observes safety and security procedures; determines appropriate action beyond guidelines; reports potentially unsafe conditions; uses equipment and materials safely.
    • Adaptability – Adapts to changes in the work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays, or unexpected events.
    • Attendance/Punctuality – Is consistently at work on time.
    • Dependability – Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan.
    • Initiative – Volunteers readily; undertakes self-development activities; seeks increased responsibilities; asks for help when needed.
    • Innovation – Displays original thinking and creativity; meets challenges with resourcefulness; generates suggestions for improving work; develops innovative approaches and ideas.Qualifications
      • Education and/or Experience – High School Diploma or equivalent with some business school or junior college courses; plus 6 months experience in banking, finance or automotive credit; or equivalent combination of education and experience.
      • Language Skills – Ability to read and comprehend simple instructions, short correspondence, and memos; ability to effectively present information in one-on-one and in small group situations to customers, clients, and other employees of the organization.
      • Mathematical Skills – Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
      • Reasoning Ability – Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
      • Computer Skills – Knowledge of PC's, NFI software and related systems.
      • Other Qualifications – Maintains understanding of cash handling, credit reports and office procedures.EOE

Keywords: Nicholas Financial, Tallahassee , Direct Loan Officer- Indirect Auto Lending, Other , Tallahassee, Florida

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