Sheffield Underwriter I
Sheffield Underwriter I
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Job Description
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Regular or Temporary:
RegularLanguage Fluency: English (Required)
Work Shift:
1st shift (United States of America)Please review the following job description:
Evaluate underwrite and contract retail loan applications under approved fraud loan processing policies for credit approval and facilitate the creation in the system of the correct loan promotion and loan documents for . Provide perfect client experience (PCE) to approved dealers necessary to build and maintain lending relationships within the risk guidelines of Sheffield and TRUIST. Assist dealers in all aspects of financing procedures policies and options. Effectively exhibit the perfect client experience behavior during outbound and inbound calls with external dealer/customer clients.Following is a summary of the essential functions for this job. Other duties may be performed both major and minor which are not mentioned below. Specific activities may change from time to time.
1. Process and decision credit applications and assess risk of applicants consistent with Sheffield Loan Processing policies and TRUIST. Underwrite consistent with our fraud processes applying override rules and adjudicating the correct promotions for the original equipment manufacturer (OEM) and approving credit under the correct advance rates.
2. Make sure all personal and dealer information is logged onto the system correctly and accurately with a high attention to detail.
3. Adjudicate credit decision within Sheffields service level agreement (SLA) time range of receipt of application or request additional information.
4. Field and service dealer/customer client questions relating to underwriting operational or procedural details including promotional offerings policies incentives lien perfection and other general information.
5. Provide various direct mailings of current programs to dealers as needed in an effort to develop relationships.
6. Carry out dealer penetration and relationship building campaign initiatives through teleconsulting dealer meetings and open houses.
7. Maintain working knowledge of the products that Sheffield finances and knowledge of manufacturers suggested retail prices (MSRPs).
8. Assist management and other departments on an as needed basis with periodic operational clerical regulatory and customer service initiatives which do not violate separation of duties principles.
9. Initiative dealer service call activities to allocated dealer group in accordance with departmental campaigns call goals and expectations of Sheffield.
10. Assist in managing fraud and mitigating Bank Secrecy Act/AntiMoney Laundering (BSA/AML) risk by following approved policies.
11. Follow underwriting and scorecard processes to include properly documenting accounts using the correct mitigating factors when adjudicating credit.
12. Correctly calculate longterm value (LTV) and advance rates under OEM approved guidelines.
Required Qualifications:
The requirements listed below are representative of the knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. High School diploma or equivalent
2. Strong decision making and organizational skills
3. Excellent verbal and written communication skills
4. Strong customer service skills
5. Demonstrated problemsolving skills
6. Ability to multitask
7. Ability to work effectively in a fastpaced environment
8. Demonstrated proficiency in basic computer applications such as Microsoft Office software products
1. Bachelors degree in business
2. Retail finance experience particularly indirect space
General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits though eligibility for specific benefits may be determined by the division of Truist offering the offers medical dental vision life insurance disability accidental death and dismemberment taxpreferred savings accounts and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by fulltime or parttime status) during their first year of employment along with 10 sick days (also prorated) and paid holidays. For more details on Truists generous benefit plans please visit our Benefits site. Depending on the position and division this job may also be eligible for Truists defined benefit pension plan restricted stock units and/or a deferred compensation plan. As you advance through the hiring process you will also learn more about the specific benefits available for any nontemporary position for which you apply based on fulltime or parttime status position and division of work.
Truist is an Equal Opportunity Employer that does not discriminate on the basis of race gender color religion citizenship or national origin age sexual orientation gender identity disability veteran status or other classification protected by law. Truist is a Drug Free Workplace.
EEO is the LawPay Transparency Nondiscrimination Provision EVerify
Employment Type
Full-Time
