Junior Auto Finance Specialist

Position Purpose and Objectives:  

 

The Jr Auto Finance Specialist (Jr AFS) will work directly with both existing and prospective members. In this role, you will cultivate relationships and build trust by presenting our competitively priced loan products and delivering high-quality service. You will engage with members confidently, discussing the benefits of our offerings and providing tailored solutions in a dynamic call center environment. This position is ideal for individuals who thrive in a fast-paced, results-driven setting where achieving goals is integral to success. As a Jr Auto Finance Specialist, you will support our Auto Finance Specialist team by managing member inquiries, processing loan applications, and gathering essential documentation. Your proactive approach in conducting outbound calls to applicants will ensure timely progression of deals and facilitate a seamless transition from approval to funding.

 

Major Duties and Essential Functions

 

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following.  Other duties may be assigned.

• Understand that success is built on member satisfaction and devote himself/herself to guarantee satisfaction of members.
• Field and address inbound calls with urgency regarding loan applications, providing essential support and information to facilitate a smooth and efficient application process.
• Assist in the processing of loan applications, including collecting and verifying applicant information, vehicle details, and necessary documentation.
• Collect and upload documentation related to the application to include purchase orders, titles, proof of insurance, proof of income, CarFax reports, and proof of identification.
• In the absence of the Auto Finance Specialist due to PTO, Jr AFS will step in to manage the pipeline and process applications, ensuring that volume and production levels remain unaffected.
• Determine member needs by asking questions and listening to responses; Proactively discuss and refer additional products to internal partners.
• Meet established monthly objectives.
• Conduct outbound calls on a pipeline of approved applications to expedite the funding process and ensure timely loan closures.
• Work with Auto Finance Coordinator to ensure timely and accurate execution of loan processing.
• Work collaboratively with internal and external partners.
• Review declined applications for opportunities to overturn decision and present to Lending Management when there is merit in moving a deal forward.
• Understand the terminology of the automobile business and keep abreast of technological changes in the products.
• Enter and update auto loan application information into the loan origination system, ensuring data accuracy and completeness.

 

Positions directly supervised: N/A

Specific knowledge, skills, and abilities required for this position:

• Ability to convey benefits of products to drive sales while maintaining a focus on member satisfaction
• Must be goal-oriented
• Must have strong listening skills and excellent verbal communication skills
• Problem solving competence with a strong attention to detail
• Must have the ability to multitask, prioritize, and adapt to a constantly changing environment
• Proficient computer ability including Windows PC Navigation skills
• Strong desire to learn in a fast-paced environment
• Must be a TEAM player and be able to help and rely on others

 

Education and Experience:

High School diploma or equivalency and at least two (2) years Credit Union experience, automotive industry, F&I and/or sales experience. Stable career with previous employers. Must be customer oriented, self-motivated team player with effective communication skills. Must be computer literate and able to type a minimum of 30 wpm. Work experience with or in car dealerships a plus. Bilingual candidates (Spanish/English) are beneficial. Experience in a consumer lending role, or other sales-related experience. Must have a proven track-record of setting and meeting/exceeding personal and departmental goals.

 

Physical Activities and Requirements of this Position

CATEGORY	DESCRIPTION
Finger Dexterity	Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.
Grasping	Using fingers and palm on an object.
Talking	Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
Repetitive Motions	Movements frequently and regularly required using the wrists, hands, and/or fingers.
Average Hearing	Able to hear average or normal conversations and receive ordinary information.
Average Visual Abilities	Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.
Sedentary Work	Sitting part of the time.  Exerts up to 10 lbs. of force occasionally.

 

Working Conditions of this Position

DESCRIPTION

Few.  No hazardous or significantly unpleasant conditions except during construction wearing a hard hat is required.

 

Mental Activities and Requirements of this Position

Reasoning Ability:  The ability to use common sense or logic.
CATEGORY	DESCRIPTION
Detailed	Ability to apply common sense understanding to carry out detailed instructions and to deal with problems involving many variables.
Mathematical Ability:
Basic	Ability to perform basic math skills including adding, subtracting, multiplying, and dividing two digit numbers; operations with units such as inch, foot, yard; ounce, pound (or their metric counterparts), and square footage; ability to understand appraisals, compute rent rates and lease expiration times.
Language Ability:  The level of ability required to communicate and understand written and oral language.
Typical	Ability to use passive vocabulary of 5,000-6,000 words; read at a moderate rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation.  Ability to write complex sentences, using proper punctuation, and using adjectives and adverbs.  Ability to communicate in complex sentences, using normal word order with present and past tenses and good vocabulary.  Ability to read, analyze and interpret general business periodicals, professional journals, correspondence, and procedure manuals.  Ability to effectively present information and respond to questions from groups of managers, guests, vendors and the general public.

Compliance requirement

The responsibilities contained within this job description remains compliant with Bank Secrecy Act / Anti-Money Laundering, Office of Foreign Assets Control and USA PATRIOT Act as they apply to the duties of the position.

 

Disclaimer

The information in this job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job, which may vary on the department or the assignment. The actual essential duties, responsibilities and qualifications may vary by department, reporting structure and other business needs. No inference should be drawn that a specific job duty, responsibility or qualification is non-essential by its absence from this description.