Job Description
As a CREDIT PROCESSOR, this role will require you to follow a thorough process (review, research, analyze, audit, verify) of submitted automotive loan applications and adhere to basic tenets of sub-prime auto credit (ability to pay, stability, debt repayment history, deal structure & collateral). In addition, you will communicate and explain decision to appropriate individuals. Program eligibility and funding guideline verification procedures must comply with internal policies, fair lending practices, and other applicable state/federal laws. You will be required to meet set goals/targets for productivity, quality, customer satisfaction, and relationship management (between Underwriting and the Dealership Manager).
KEY AREAS OF RESPONSIBILITY
Work as a team member with the underwriting and sales staff to accomplish monthly loan volume objectives.
Ensure all contract and applicant information is accurate.
Follow-up with dealer clients on any outstanding stipulations, verifications, or documents needed to complete the processing of loans to ensure timely funding of contracts.
Conduct thorough customer interviews to validate information.
Assist Dealerships in managing dealer and customer fraud by ensuring thorough and proper verifications are being completed.
Escalate any potential problems that may result in fraud or losses to management.
Assist management to ensure Dealerships complies with company policies.
Assist with final analysis, verification, and funding of loans based on internal lending guidelines, fair lending practices and the ECOA (Equal Credit Opportunity Act).
Maintain confidentiality with sensitive financial and/or personal information.
Interact daily with underwriting, the Funding Manager, dealership personnel, sales team, and requested creditors to gather information needed to verify credit decisions.
QUALIFICATIONS
Knowledge of Consumer Auto Finance and/or underwriting experience highly preferred.
Exceptional delivery of customer service, interpersonal skills, presentation skills, and the embodiment of company core values.
Strong analytical, organizational, and time management skills.
High school graduate/GED. Bachelor's degree preferred; equivalent combination of education and experience may be substituted in lieu of degree.
Strong decision making, and negotiation skills.
Ability to calculate semi-complex mathematical equations, ratios, values and other related calculations.
Skill operating commonly used office technology such as MS Office, MS Outlook, web search and web-based services.
Strong desire to achieve and succeed.
Apply today and join our family!
Company Description
Ganas Auto provides affordable loans that help people with little-or-no credit history finance. It offers bilingual (English/Spanish) sales at 9 locations in Los Angeles, CA and convenient payment processing. We are always looking for team players to join our family in different departments such as sales, service centers, and corporate positions. We are a family, we support you to achieve all your goals and we empower our teams by focusing on continuous improvement, taking advantage of our technology and using it with the energy and passion that we are known by. Together we are CONFIANZA Together we are PASIÒN Together we are ORGULLO Together we are FAMILIA