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. Process and decision credit applications to include some larger dollar request, as needed, and assess risk of applicants consistent with Sheffield Loan Processing policies. 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. Make sure all loan application, customer, dealer and collateral information is logged into the loan origination system correctly and accurately.
2. Make credit decision within Sheffield's service level agreement (SLA) time range of receipt of application and other pertinent data, as needed, to properly ascertain the risk.
3. 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.
4. Provide various direct mailings of current programs to dealers, as needed, in effort to develop relationship.
5. Carry out dealer penetration and relationship building initiatives through tele-consulting, visiting dealer meetings and open houses.
6. Maintain working knowledge of the products that Sheffield finances and knowledge of manufacturer's suggested retail prices (MSRPs).
7. Assist in the development, implementation and execution of new policies, procedures and processes related to loan processing.
8. Assist management and other departments, on an as needed basis, with periodic operational, , regulatory, credit research, fraud research and other projects , which do not violate separation of duties principles.
9. Represent Sheffield at various trade shows, dealer open houses and dealer meetings.
10. Assist in managing fraud and mitigating Bank Secrecy Act/Anti-Money 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 long-term value (LTV) and advance rates under OEM approved guidelines.

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. High School diploma or equivalent
2. Three years of retail finance experience particularly related to underwriting loans for a dealer network
3. Strong decision making and organizational skills
4. Excellent verbal and written communication skills
5. Strong customer service skills both to internal and external clients
6. Demonstrated problem-solving skills
7. Ability to work effectively in a fast-paced environment
8. Ability to multi-task and take on projects to assist the department with initiatives
9. Ability to understand larger loan request and underwrite the request in a timely fashion
10. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products

Preferred Qualifications:
1. Bachelor's degree
2. Advanced computer skills
3. Sales effectiveness