Marine & RV Underwriter II (remote)
ESSENTIAL DUTIES AND RESPONSIBILITIES
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. Underwrite direct and indirect loan requests, while demonstrating a clear understanding of major technical aspects of lending and basic knowledge of Marine and RV credit and finance.Assist Marine and RV Underwriter I teammates with more complex deals and training as needed.
2. Obtain necessary financial and credit information to develop applicable understanding of personal financial condition, cash flow and business operations.
3. Develop a clear and concise assessment of risk in order to underwrite Marine and RV transactions that are complex in nature and pose proportionally higher credit risks. Clearly document justification for decisions.
4. Manage the retail portfolio of dealer and broker clients nationwide, ensuring the portfolio meets the key performance measures for quality, profitability and growth; work to ensure individual performance measures are met or exceeded.
5. Develop and assist with implementation of marketing strategies to effectively promote Recreational Lending products to assigned dealer base.
6. Prepare loan applications for review and concurrence when above individual lending authority.
7. Ability to review and evaluate Marine and RV collateral using personal knowledge and professional databases / industry websites.This includes developing familiarity with relevant manufacturers, knowledge of frontend / backend products and services, and pertinent titling.
8. Notify Marine and RV management of competitive changes in the Marine and RV industries.
9. Provide high touch service to internal and external clients.This includes both written and verbal communications and the documentation of sales calls within Salesforce tool on a weekly basis.
10. Identify Integrated Relationship Management (IRM) opportunities to cross-sell additional bank products to dealers and retail clients.
QUALIFICATIONS
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. Bachelors degree in a Business-related field, or equivalent education and related training, or experience
2. Five years of experience in indirect / direct credit underwriting and / or management or equivalent experience in the Marine and RV industry.
3. Moderate understanding of analysis and review of business and personal financial statements
4. Highly proficient analytical and problem-solving skills
5. Good verbal and written communication skills
6. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products
7. Ability to work overtime and flexible hours as needed.This includes evenings and weekends.
Preferred Qualifications :
1. Marine and / or RV direct / indirect lending experience
2. Knowledge of Marine and / or RV industry
3. Proficiency in review of Marine Surveys
4. Good knowledge of bank operations, systems, compliance and regulatory issues
5. Completion or enrollment in an established management or career development program
OTHER JOB REQUIREMENTS / WORKING CONDITIONS
Sitting / Standing / Walking / Bending / Lifting
þSitting (if checked, indicate frequency)
Constantly (More than 50% of the time)
Standing (if checked, indicate frequency)
Choose an item.
Walking (if checked, indicate frequency)
Choose an item.
Bending (if checked, indicate frequency)
Choose an item.
Lifting (if checked, indicate pounds)
Choose an item.
þVisual / Audio / Speaking
Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.
þManual Dexterity / Keyboarding
Able to work standard office equipment, including PC keyboard and mouse, copy / fax machines, and printers.
þAvailability
Able to work all hours scheduled, including overtime as directed by manager / supervisor and required by business need.
þTravel (Must select one)
Minimal and up to 10%
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 position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred 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 full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays.
Apply Now
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. Underwrite direct and indirect loan requests, while demonstrating a clear understanding of major technical aspects of lending and basic knowledge of Marine and RV credit and finance.Assist Marine and RV Underwriter I teammates with more complex deals and training as needed.
2. Obtain necessary financial and credit information to develop applicable understanding of personal financial condition, cash flow and business operations.
3. Develop a clear and concise assessment of risk in order to underwrite Marine and RV transactions that are complex in nature and pose proportionally higher credit risks. Clearly document justification for decisions.
4. Manage the retail portfolio of dealer and broker clients nationwide, ensuring the portfolio meets the key performance measures for quality, profitability and growth; work to ensure individual performance measures are met or exceeded.
5. Develop and assist with implementation of marketing strategies to effectively promote Recreational Lending products to assigned dealer base.
6. Prepare loan applications for review and concurrence when above individual lending authority.
7. Ability to review and evaluate Marine and RV collateral using personal knowledge and professional databases / industry websites.This includes developing familiarity with relevant manufacturers, knowledge of frontend / backend products and services, and pertinent titling.
8. Notify Marine and RV management of competitive changes in the Marine and RV industries.
9. Provide high touch service to internal and external clients.This includes both written and verbal communications and the documentation of sales calls within Salesforce tool on a weekly basis.
10. Identify Integrated Relationship Management (IRM) opportunities to cross-sell additional bank products to dealers and retail clients.
QUALIFICATIONS
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. Bachelors degree in a Business-related field, or equivalent education and related training, or experience
2. Five years of experience in indirect / direct credit underwriting and / or management or equivalent experience in the Marine and RV industry.
3. Moderate understanding of analysis and review of business and personal financial statements
4. Highly proficient analytical and problem-solving skills
5. Good verbal and written communication skills
6. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products
7. Ability to work overtime and flexible hours as needed.This includes evenings and weekends.
Preferred Qualifications :
1. Marine and / or RV direct / indirect lending experience
2. Knowledge of Marine and / or RV industry
3. Proficiency in review of Marine Surveys
4. Good knowledge of bank operations, systems, compliance and regulatory issues
5. Completion or enrollment in an established management or career development program
OTHER JOB REQUIREMENTS / WORKING CONDITIONS
Sitting / Standing / Walking / Bending / Lifting
þSitting (if checked, indicate frequency)
Constantly (More than 50% of the time)
Standing (if checked, indicate frequency)
Choose an item.
Walking (if checked, indicate frequency)
Choose an item.
Bending (if checked, indicate frequency)
Choose an item.
Lifting (if checked, indicate pounds)
Choose an item.
þVisual / Audio / Speaking
Able to access and interpret client information received from the computer and able to hear and speak with individuals in person and on the phone.
þManual Dexterity / Keyboarding
Able to work standard office equipment, including PC keyboard and mouse, copy / fax machines, and printers.
þAvailability
Able to work all hours scheduled, including overtime as directed by manager / supervisor and required by business need.
þTravel (Must select one)
Minimal and up to 10%
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 position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred 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 full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays.
Apply Now