RAC Lender I

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Regular or Temporary:

Regular

Language Fluency:  English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

The position is responsible for achieving asset quality objectives, underwriting standards via credit and loan originations, internal sales and marketing, profit objectives, volume and growth goals for the center. This is the initial line in ensuring we manage Risk per Truist expectations.

ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job.  Other duties may be performed, both major and minor, which are not mentioned below.  Specific activities may change from time to time.  
1. Responsible for making quality credit decisions in a fast paced environment.
2. Comply with all stated guidelines, policies and procedures as well as all State and Federal rules and regulations.
3. Perform internal and external sales and marketing to present our Value Promise to effectively develop profitable Dealer Client Relationships.
4. Assist Loan Processing teammates to ensure efficient and compliant funding procedures.
5. Visit assigned Dealer Clients independently or jointly with Relationship Manager to develop stronger relationships to enhance volume.
6. Review all early payment defaults and document findings. In addition, follow-up with dealership personnel on any fraudulent items (e.g. straw purchases, missing options).
7. Provide a high level of customer service to customers and clients in support of our Perfect Client Experience (PCE) initiatives.
8. Maintain application approval rates at an acceptable level as set by corporate standard.
9. Other Critical Tasks and Duties assigned, including, but not limited to documentation of marketing activities in client relationship management.

Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Associate’s degree, or equivalent education and related training or experience
2. Proficient written and verbal communication skills
3. Good interpersonal skills
4. Strong organizational skills and time management
5. Ability to multitask in a fast paced environment and manage tasks efficiently
6. Ability to work independently during periods of limited supervision
7. Ability to work flexible schedules including weekends and evenings
8. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products

Preferred Qualifications:
1. Bachelor’s degree in Business or related field, or equivalent education and related training or experience
2. Credit underwriting experience
3. Knowledge of the automotive finance industry
4. Bilingual

General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.

Truist supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Truist is a Drug Free Workplace.

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