Credit Risk Management Specialist I

GENERAL DESCRIPTION OF POSITION

The Credit Risk Management Specialist I is responsible for supporting daily operations related to Dealer Floor program. This role conducts second reviews of consumer and commercial loans involving adverse action. This position assists with general tasks within the Credit Risk Management department. The Credit Risk Management Specialist I utilizes consumer loan decision software, DecisionPro and LOS nCino.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Process daily activity of advances and payments related to Dealer Floor program. 

2. Prepare end of period reports related to Dealer Floor program. 

3. Provide customer service to established dealers.

4. Provide system training to new dealers.

5. Actively use and achieve proficiency in all aspects of the Dealer Floor program. 

6. Complete 2nd reviews on Consumer & Commercial adverse actioned loans. 

7. Prepare and mail applicable disclosures for credit pulls performed by the bank.

8. Utilize established processes, ensure proper compliance measures and action regarding Fair Credit, Regulation Z, and Regulation B compliance.

9. Completes required BSA/AML training and other compliance training as assigned.

10. The ability to work in a constant state of alertness and in a safe manner.

11. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 2 years related experience and/or training. 

COMMUNICATION SKILLS

Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

SOFTWARE SKILLS REQUIRED

Intermediate: 10-Key, Alphanumeric Data Entry, Word Processing/Typing

Basic: Accounting, Database, Presentation/PowerPoint 

WORKING CONDITIONS

Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level is moderate (business office with computers/printers, light traffic, etc.)

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations. 

Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

While performing the functions of this job, the employee is occasionally required to walk; continuously required to sit, use hand to finger, handle or feel, talk or hear; frequently required to reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision. 

ADDITIONAL INFORMATION

- Overtime may be required
- Basic Microsoft Excel experience
- Ability to multi-task and prioritize work load
- Strong verbal and communication skills
- High degree of accuracy and attention to detail
- Strong problem solving and decision-making skills