Indirect Sales Rep - North Georgia in Atlanta, Georgia at INDEPENDENT BANK

JOB SCOPE:

Develop and maintain dealership relationships by interacting with the personnel to establish

partnerships which are beneficial to both the dealer and the Bank, Ensure that the relationships

are profitable by educating the dealer personnel to bank exceptions and acceptable guidelines

for portfolio performance regarding efficiencies, delinquency, repossession and charge-off

numbers. (70%)

Analyze credit applications submitted by dealerships; make sound credit decisions based upon

the applicant’s credit worthiness, stability and propensity to repay the obligation based on past

performance. Ensure that the credit decisions made are within the credit policies and adhere

to all laws and regulations applicable to the Bank. (30%)

JOB REQUIREMENTS:

· Bachelor’s degree or equivalent experience.

Comprehensive understanding of all consumer credit disciplines including planning and

development, sales, marketing, asset quality and regulatory standards, income/expense

components, capital market sources and current MIS/technology standards. Must be able to

manage multiple operations and assemble/prepare human resources for continued profitable

growth.

PRIMARY DUTIES:

· Interaction with the dealer to ensure profitable partnerships

· Sale of credit decisions to the customer (dealer)

· Prompt review and decision of credit applications

· All duties must be completed in accordance with all Bank policies, procedures

and all regulatory requirements including ECOA/Fair Lending

SKILLS REQUIRED:

· Requires exceptional oral and written communication and sales skills

· Requires extensive knowledge of credit decisioning and ability to sell decision

to dealership personnel

· General knowledge of business law as it pertains to Fair Credit practices and regulations

that are applicable to third party lending

· Ability to reason and make independent decisions is an absolute necessity

· Basic computer skills are required

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities