Consumer Loan Officer Trainee - Reliable Credit Association Master

The Consumer Loan Officer Trainee (CLOT) is a non-exempt employee that performs customer service and collection duties, investigates, and...Knowledge, Skills, and Abilities:

College degree preferred.  May consider 2+ years of industry related experience,  

     and/or a combination of education, related experience, and/or training.

Commitment to continuous learning with the ability to develop process, people, leadership, and management skills as a participant in our development program (if, and/or when program is available).

Ability and desire to interact with a diverse customer base.

Ability and desire to learn and accurately apply applicable laws and regulations required   within the finance/credit/banking industry.

Ability and desire to learn, effective credit underwriting, including approval, denial, and counteroffer of originating direct consumer loans and purchasing retail installment contracts from primarily automobiles dealers.

Ability and desire to learn, effective negotiation and marketing skills

Critical and inquisitive thinking, analytical skills, and attention to detail to draw out           information and aide decision making.

Solid understanding of the economics and risk elements related to financing.

Ability to analyze and interpret financial data.

Effective decision-making and negotiating skills.

Ability and desire to learn and accurately apply applicable laws and regulations

Ability and desire to learn and navigate multiple tasks, systems, and situations while working under pressure to meet deadlines. and to read and interpret manuals and guidelines.

Organizational and time management skills.

Professional verbal, written and interpersonal communication skills.

Teamwork/Rapport building skills.

Basic computer skills, including a general proficiency using Microsoft Office programs.

Incumbents are required to obtain any necessary insurance licensing prior to      

consummating loans with optional ancillary products.

Willingness to be part of a development program with initial focus on our Credit Officer position. The Credit Officer position requires (1) sound loan and contract credit approval judgment, (2) being comfortable and effective in negotiating the purchase price of a retail installment contract from primarily automobile dealers, and (3) being comfortable and effective with inside and outside marketing to primarily automobile dealers.  

Bilingual (Spanish/English) is a plus.

Work Environment and Physical Demands:

The work environment and physical demands 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.

While performing the duties of this job, the employee is regularly required to sit. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and readily and effectively communicate.  The employee must occasionally lift and/or move up to 15 pounds.  Vision abilities required by this job include ability to effectively see within an office environment, which may include long term computer exposure, and to adjust focus accordingly.   

The duties of the job are primarily performed in an office environment.  There is some exposure to noise in the work environment, which is usually mild to moderate. The (insert job title) may at times require a limited amount of time doing outside sales primarily at automobile dealerships.

Disclaimer Language

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification.  They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Employees may be required to perform duties outside of their normal responsibilities from time-to-time, as needed.

Reliable Credit Association, Inc. is an equal opportunity employer that strives to create a diverse workforce and an inclusive culture.