Credit Associate III

        Contact: Lisa Shieder Phone: 972-801-4001 Email: Send Email Now Fax: Not Available   Company Overview

Do you want to work for an American legend?

Harley-Davidson Financial Services (HDFS), a wholly-owned subsidiary of Harley-Davidson, Inc., offers a wide range of financial products and services to motorcycle enthusiasts and Harley-Davidson dealerships. Products available to consumers include financing on motorcycles, MotorClothes(tm), and parts and accessories; cycle insurance; and extended service plans for Harley-Davidson(r) motorcycles.

HDFS is an equal opportunity employer and offers exceptional training and advancement opportunities and an excellent compensation and benefits package with medical insurance that includes dental, vision and prescription cards, 401K plan, tuition reimbursement, and an employee stock purchase plan.

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Company: Harley-Davidson Financial Services, Inc Required Education: High School Job Type: FinanceRequired Experience: 3 to 5 years Base Pay: N/ARequired Travel: Not Specified Other Pay: Location: US-TX-Plano Employee Type: Full-Time Manages Others: No Relocation Covered: Not Specified Industry: Banking - Financial Services Reference ID: 1413-CAIII   Job Description

Department: Orientation

Position Summary

 

Under limited supervision the is responsible for making the most complex decisions on loans, and extensive analysis of business partner/customer’s file.  The may make decisions within the organization’s tolerances, based on complex information-gathering and analysis of the credit file.  The is expected to be a Production Lead, a Subject Matter Expert and a mentor for others and assist with identifying areas for continuous process improvement and training.  This position may occasionally require travel to represent HDFS at Harley-Davidson Dealer events.

  

Primary Responsibilities

Process the most complex credit applications with a maximum approved amount of up to 60k and total aggregate exposure of up to 85k Holds greater credit authority to negotiate loan structure with dealers regarding acceptable exception criteria which includes pricing, loan advance, debt ratio, down payment, dealer recourse and auto-decline override exceptions Manages communication with dealer customer regarding the most complex inquires via the telephone and/or electronic media.  Takes escalated calls from less senior originations associates Ability to analyze the most difficult/complex loans and use sound credit analysis skills Can facilitate classroom training for credit associates and flexible work staff Functions as a Subject Matter Expert and a mentor resource for others Uses effective time management to ensure customer service experience is satisfactory and meets expectations Backs up Origination teams as needed to support operational flexibility Researches, analyzes and resolves pending credit applications Protection of employees, customers and corporate information is everyone's responsibility at HDFS.  All employees must follow established physical, electronic and procedural safeguards, including policies regarding data protection, segregation of duties, use of passwords, and access to information based solely on business need.  In addition, any company-proprietary information (including but not limited to customer information) may not be transferred or transported outside of HDFS by employees upon leaving the company. It is the individual responsibility of every employee to maintain a current awareness and understanding of appropriate banking laws, regulations, internal policies and procedures, and to comply fully with those laws, regulations, policies and procedures. Performs other duties as assigned

Job Requirements

Job Requirements:

Experience/Knowledge/Other Skills

High School diploma 3-5 years of relevant experience Availability to travel and represent HDFS at H-D Dealer events Ability to handle large volume of highly complex credit applications and dealer customer inquiries Experience with loan origination systems preferred Ability to prioritize work flow to meet department objectives Flexible and open minded Strong decision making skills Possess excellent communication skills including ability to provide best in class customer service Ability to work in a team environment Detail oriented & highly organized Good problem solving skills Ability to work in a fast paced, time sensitive environment Confidentiality essential Courteous phone skills Customer service skills, internally & externally Maintain a solid attendance record, including tardiness Must be flexible in terms of work shifts and days Self starter Keyboarding/data entry skills with moderate speed and accuracy  Competencies Group Level: Individual Contributor

Communication Customer Focus Job Knowledge Quality/Continuous Improvement Teamwork

 

Reporting Responsibilities:

Reports to:  Manager, Underwriting- Origination 

 

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