Auto Finance Credit Rep-Sr

Full-time - Mid Level

Remote - Tennessee, KY

Credit Intermediation and Related Activities

About the position

Huntington is looking for a Senior Auto Finance Credit Representative. This role involves approving, denying, and negotiating consumer auto credit applications, including the most complex cases, which are originated through auto dealers. The representative will develop relationships with dealers to ensure profitable and quality business growth, provide customer service to dealer staff and applicants, and ensure compliance with bank policies, procedures, and regulations. Additionally, the role includes cross-selling bank products, approving credit overrides, and making recommendations to improve dealer and loan performance. The representative may also manage related staff, such as underwriters, and will underwrite indirect auto consumer loans following credit policy, underwriting procedures, and loan structure guidelines. Other duties may be assigned as needed.

Responsibilities

• Approves, denies and negotiates consumer auto credit applications (including the most complex) originated through auto dealers.
• Develops relationships with dealers to ensure profitable and quality business growth.
• Provides customer service to dealer staff and applicants, ensuring compliance with bank policies/procedures and regulations.
• Cross sells bank products and approves credit overrides, making recommendations to improve dealer/loan performance.
• May manage related staff, such as underwriters.
• Underwrites indirect auto consumer loans following credit policy, underwriting procedures, and loan structure guidelines.
• Performs other duties as assigned.

Requirements

• High School Diploma
• Minimum of 3 years of administrative credit function or underwriting experience
• Must reside in Kentucky or Tennessee (remote position)

Nice-to-haves

• Bachelor's Degree
• Prime Auto underwriting experience
• Demonstrates a professional, personable and friendly communication style with a focus on customer service and an ability to interact with all levels of individuals on the phone and in person.
• Excellent written communication skills are required.
• Enjoys working independently and effectively in a deadline-driven, multi-task environment, with organization and attention to detail being imperative.
• Occasional travel required.