Impress employers and recruiters.
Choose from hundreds of resume examples.
Impress employers and recruiters.
Choose from hundreds of resume examples.
Tailor your resume to this Indirect Lending Underwriter/Credit Analyst role.
Rezi rewrites your resume against Arrow Bank NA's job description. Free.
Tailor your resume to this Indirect Lending Underwriter/Credit Analyst role.
Rezi rewrites your resume against Arrow Bank NA's job description. Free.
Don't guess if your resume is good enough.
See how it scores against the Indirect Lending Underwriter/Credit Analyst posting at Arrow Bank NA — free, in seconds.
Don't guess if your resume is good enough.
See how it scores against the Indirect Lending Underwriter/Credit Analyst posting at Arrow Bank NA — free, in seconds.
About the Role
The Indirect Lending Underwriter/Credit Analyst is responsible for originating Indirect Loans, ensuring loan decisions adhere to lending policy, and meeting compliance and regulatory requirements. This role utilizes sound judgment to approve loans representing acceptable risk and develops relationships with dealers to foster strong working partnerships.
Responsibilities
- Approve, counter-offer, or decline Indirect Loan applications within individual lending authority and according to policy.
- Analyze applications and credit reports; perform financial history review and repayment source analysis to determine applicant’s ability and willingness to repay.
- Develop dealer relationships by maintaining regular phone and occasional personal dealer contact with assigned accounts to develop and retain new and existing dealer business.
- Monitor individual and dealer performance and review with management to maintain proper integration with department goals.
- Respond to Indirect Loan customer inquiries or requests for information.
- Provide periodic reports to management; share knowledge and expertise with other members of the Indirect Lending team as appropriate.
- Participate actively in community as designated by Company Community Service Requirements.
Requirements
- Bachelor’s degree in business administration or equivalent experience required
- 6 years experience in Consumer Lending required
- Must be able to sit for prolonged periods of time and walk/stand for brief periods of time.
- Must be able to repetitively use a telephone and computer mouse and keyboard.
- Ability to lift/move up to 15 lbs.
Skills
- Excellent interpersonal communication skills to communicate approvals, declines, and negotiate counteroffers while maintaining strong business relationships
- Sharp risk assessment capabilities to analyze credit profiles, collateral valuations, and debt-to-income ratios while ensuring strict compliance with internal policies and lending regulations
- Strong problem-solving skills to evaluate marginal applications and craft creative counteroffers that mitigate portfolio risk while capturing viable business
- Strong organizational and mathematical skills
- Solid sales and negotiation skills a plus
- Knowledge of current lending regulations, automobile industry, indirect lending products/services preferred
- Excellent communications skills, written and verbal; ability to communicate with customers, co-workers, management, and community/business leaders
Location
- Latham, New York
- Glens Falls, New York
- Utica, New York
Work Type
- Hybrid
Experience Level
- 6 years experience in Consumer Lending required
Education Level
- Bachelor’s degree in business administration or equivalent experience required
Salary/Compensations
- $65,000 - $82,000 a year
Benefits
- Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays
- Medical, Dental, and Vision Insurance and Flexible Spending Plan
- Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership
- Education and Tuition Reimbursement
- Employee Assistance Program for our employees and their immediate family members
About the Company
- As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans.
- We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms.
Equal Opportunity
- We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes.