Dealer Finance CSR

DEALER FINANCE CSR HARRISONBURG DOWNTOWN OFFICE PRIMARY RESPONSIBILITIES

Primary Responsibilities include, but are not limited to:

• Perform various administrative and service-oriented functions assigned to the Dealer Finance department.
• Develop, maintain, and grow relationships with customers, and dealerships within the program as needed through service and support.
• Deliver a positive customer experience when working with borrowers, internal, or external partners.
• Ensure accuracy of loan documents and completion of loan packages.
• Assemble documents for loan packages and assist in the funding of loans.
• Enter loan information into appropriate systems including any maintenance requests and uploading of loans.
• Verify all imaged documents are complete and valid.
• Post General Ledger items when necessary.
• Obtain and review current insurance information associated with the loans and collateral.
• Refer customers to the appropriate bank area when they seek to add additional products and services to their banking relationship.
• Possess the ability to promote and market the bank through strong customer service, meet quality standards, and communicate in a polite, effective, and professional manner.
• Assist in monitoring delinquencies within the Dealer Finance portfolio.
• Work with team members and assist in collection efforts of the department and portfolio with loans up to 45 days past due.
• When necessary, notify customers of delinquent accounts by mail, telephone, or other effective means.
• Monitor and review reports and reporting systems to assist lenders and the department in collection efforts, portfolio management, and dealer relationship management.
• Arrange for debt repayment or establish repayment schedules based on the customers financial situation and follow up on any variances.
• Advise the customers of any necessary actions and strategies for debt repayment.
• Communicate with borrowers to determine reasons for overdue payments and to review the account terms.
• Ensure any payments processed through collection efforts post correctly to the associated customers account in a timely manner.
• Trace delinquent customers through various identified and available sources.
• Maintain a strong collaborative and coordinated strategic relationship with all other departments including critical related functions such as financial centers, administration, compliance, and internal audit.
• Develop, maintain, and utilize associated dealer services software currently in use or added in the future.
• Process transactions such as loan payments or any related customer transactions with dealer accounts.
• Create new CIF profiles and review existing customer CIF profiles to properly identify customers as well as review for accuracy and full relationship information.
• Assist with account CIF maintenance.
• Create loan charge off packages for review and approval in addition to processing associated transactions.
• Ensure filing of electronic liens on collateral associated with indirect dealer loans.
• Monitor and support team members in clearing loan exceptions.
• Answer telephone calls and assist customer with their questions and financial needs.
• Investigate and correct any errors associated with portfolio loans or servicing needs.
• Ensure adherence with all current and future compliance requirements.
• Resolve customer issues in a professional courteous manner at all times.
• Remain constantly aware of the bank's sales culture; actively makes sales referrals and encourages all segments of the market to use the PCB family of financial services.
• Other duties as may be deemed necessary to support Bank activities.

• Ability to promote and market the bank through strong customer service and communication.
• Able to adjust quickly to different work situations in a fast-paced environment.
• Must be able to communicate thoughts clearly and professionally, both orally and in writing, to all levels of staff; as well as external contacts.
• Maintain confidentiality at all times.
• Regard for important details to assure accuracy in all aspects of the job, detect errors and follow through on corrections and details.
• Ability to utilize various software platforms.
• Maintain knowledge and understanding of all applicable laws, regulations, and bank policies and procedures.
• Ability to manage time to complete assignments and responsibilities, prioritize multiple tasks, work efficiently, meet short deadlines, take direction, and maintain production despite frequent interruptions.
• Ability to establish and maintain…