Job Information
BNC National Bank Indirect Lending Underwriter/Admin II (Bismarck, ND) in Bismarck, North Dakota
About BNC National Bank
We are not just colleagues, we are a TEAM. We care about YOU! At BNC National Bank, you will gain valuable career knowledge and skills while enjoying outstanding benefits, generous paid time off, and a positive work environment.
BNC National Bank employees work together to have fun while making a positive impact within our local communities. We strive to provide professional and friendly service while exceeding the expectations of our customers, as well as our marketing and referral partners.
Indirect Lending Underwriter/Administrator II (BNC National Bank - Bismarck, ND Main Branch)
As the lead of our Indirect Lending team, you will manage the indirect lending portfolio by underwriting and making loan decisions based on BNC National Banks Indirect Lending Policy. You will also provide additional support with the administration and management of our existing indirect lending portfolio in addition to processing and funding of new indirect loans. You will provide friendly and efficient customer service that builds our customers trust and loyalty. You will work closely with and build relationships with all Finance and Insurance (FandI) staff at the auto, boat, and RV dealerships in which we have executed agreements with.
Pay
Minimum $60,000 annually
Salary depends on level of experience
Schedule
Full-time, exempt
Monday - Friday, alternating Saturdays
Wellness Benefits
- Generous Paid Time Off (120 hours per year)
- Paid Sick Time (48 hours per year)
- Medical, Dental, and Vision Insurance
- Health Savings Account, Flex Spending Account
- 401(k) w/Company Match
- Company-Paid Life and ADandD Insurance Policy
- Unum Supplemental Plans
- Employee Assistance Program
- FREE Gym Membership
Additional Benefits
- Paid Holidays
- Paid Volunteer Opportunities
- Premium Checking Account
- Discounted Consumer Loans
- Continuing Education Opportunities
Job Functions
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.
- Underwrite and analyze consumer loan applications submitted by the dealerships
- Make appropriate loan decisions based on BNC National Bank Indirect Lending Policy.
- Review loan documents for accuracy prior to loan setup and funding.
- Monitor and complete required documentation in pledged collateral (receive titles with BNC listed as Lienholder and complete UCC filings when necessary).
- Manage and administer the existing indirect loan portfolio by monitoring tickler items, collecting titles and insurance, monitoring past due loans and collections, and processing title releases related to loan payoffs.
- Provide training in all aspects of the indirect lending department to other staff members.
- Review underwriting completed by other indirect lending staff and provide recommendations for loan decisions.
- Ensure compliance with all applicable bank policies, procedures and regulatory statutes.
- Develop and maintain professional customer relationships,provide friendly and efficient customer service, and cross-sell services.
- Provide assistance to others as needed.
- Perform other duties as assigned.
Desired Experience, Knowledge and Abilities
- Previous Indirect Lending or Consumer Lending experience required (minimum of 3 years).
- Working knowledge of indirect lending products and services offered by FandI staff at dealerships preferred.
- Must be able to maintain a high degree of confidentiality.
- Considerable knowledge and understanding of credit and risk management, overdraft management, and pricing philosophy.
- Ability to make decisions that affect other people, the financial resources, and/or the image and reputation of the bank.
Essential kills
The requirements listed below are representative of the skills required of this position.
- Excellent verbal and written communication skills.
- Proficiency with Microsoft Office Suite and other standard software applications.
- Excellent interpersonal and customer service skills.
- Enjoy building relationships, collaboration, and teamwork.
- Excellent organizational skills and attention to detail.
- Strong analytical and problem-solving skills.
Education and Certification Requirements
- B.A. or B.S. in Business Administration, Accounting, Finance, or related field.
- Extensive directly-related work experience in lieu of education requirements may be accepted.
BNC National Bank is an Equal Opportunity Employer: women, minorities, the disabled, and veterans are encouraged to apply.