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This job was posted by https://illinoisjoblink.illinois.gov : For more information, please see: https://illinoisjoblink.illinois.gov/jobs/12211892

Position Summary:

Responsible for the origination and relationship management of a sound and growing Indirect Lending Program that will provide maximum profitability to the bank within risk tolerance established by loan policy. This high contact position requires the ability to initiate and develop prospective and current client relationships through a proactive and professional sales approach.

Primary Responsibilities:

1. Builds and maintains a strong portfolio of dealer relationships within the NWB and affiliate markets.
2. Understands market competition, industry trends and regulations, and vitality of the dealer portfolio.
3. Implements and coordinates systems and software needed for success of the Indirect Lending Program. This includes working with external vendors and internal departments (IT).
4. Maintains a heightened awareness of opportunities to grow the business by identifying specific sales and account management strategies to for each dealer with intent to increase loan volume and market share.
5. Identifies strategic initiatives that align with Northwest Bank objectives for loan growth, income, and expansion of the indirect lending program in the Auto and Motorcycle and RV Industries.
6. Manages the quality of credit underwriting of the Indirect Lending Program to meet the established and expected credit risk philosophy of Northwest Bank.
7. Directs the Indirect Lending Team to ensure daily operations are timely, accurate, and compliant.
8. Actively identifies and mitigates regulatory, reputational, operational, and credit risks.
9. Handles escalated issues related to complex loan decisions.
10. Completes continual assessment of lending process and delivery system to identify process improvements.
11. Develops a competent, high performing Team through leadership, training, and timely evaluation.
12. Designs and generates reporting that is provided to Leadership in a consistent, accurate, and timely fashion to analyze results and identify activity warranting special attention within the Indirect Lending Program.
13. Builds an effective network of internal and external relationships to acquire new prospects and expand existing relationships to enhance the customer experience and identify successful cross sale opportunities throughout Northwest Bank.
14. Shares an on call rotation with the Indirect Loan Officer.
15. Manages the collection process up to and including repossession and disposal of repos.
16. Demonstrates strong communication skills with external customers with problem resolution as the focus.
17. Assists customers with payments, insurance quotes and payoffs.
18. Ensures compliance with all Bank policies and procedures and all applicable state and federal banking laws, rules and regulations including Bank Secrecy Act and Anti Money Laundering to assist management in monitoring for suspicious activity, money laundering, or other illegal customer activity.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Competencies:

To perform the job successfully, an individual should demonstrate the following competencies. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Leadership: Knowledge and skills in leading a department to align with the strategic vision of the bank and achieving such through empowerment, collaboration, communication, team building and mentoring.

Bus ness Acumen/Financial Management: Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.

Business Development: Utilizes networking, product and industry knowledge and customer service skills to achieve and exceed approved budget; proactively initiates new contacts; Uses persistence and persuasion to overcome objections; Upholds highest level of customer satisfaction; Maintains accurate records and submits needed information promptly.

Communicator: Superior interpersonal and project management skills, oral and written communication and ability to anticipate and guide the impact of effective internal and external communication strategies on the organization.

Innovation: Continual creative thinking leading to the offering of new ideas to support brand recognition and organization initiatives.

Judgement and Problem Solving: Superior analytical and management skills and the ability to objectively ascertain solutions focused on organizational success.

Technical: Thorough knowledge of banking products; thorough understanding of consumer and indirect lending rules and regulations.