Job Description

Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.

As a Dealer Sales Representative at Mountain America, this position will play a crucial role in representing our credit union professionally while promoting all indirect lending services to auto and RV dealerships. The Dealer Sales Representative is a key role in the growth and development for Indirect Lending and striving to be the best in the market. Responsibilities will extend to negotiating with dealer finance managers, collecting owed funds, resolving disputes, and ensuring compliance with applicable dealer agreements. This position involves fostering new business relationships, on-going dealer monitoring, and collaborating with local branches to enhance marketing efforts. Visit external dealership partners that are outside branches and/or corporate headquarters.

LOCATION

Off-site Montana

SCHEDULE

Full Time

To be effective, an individual must be able to perform each job duty successfully.

Sales & Business Development:

• Includes but is not limited to sales, onboarding of new dealerships, and management of dealers that submit applications for retail installment and commercial contracts for secured auto and recreational loans.
• Sell MACU’s program by demonstrating the value and benefits of products/services.
• Provide training on the documentation and overall funding process including specialty products e.g., commercial, lease, branded titles.
• Maintain and strengthen relationships with existing dealerships through effective marketing strategies.
• Develop schedules to ensure all preferred dealers are marketed to regularly and all other dealers are visited as necessary.
• Provide weekly marketing reports to management.
• Review and analyze weekly reports to maintain satisfactory yield and application efficiencies in each reporting market. Daily and Weekly action plans must be put in place to address areas where improvement is needed.
• Work closely with local branches to conduct marketing calls to dealerships in proximity, promoting our lending services effectively.
• Generate and implement ideas for marketing, sales and/or promotions to assist in dealer production.
• Collaboration with branch managers, SEG, marketing, and other internal stakeholders representing the credit union and department at ribbon cuttings, grand openings, and other credit union events.
• Assist with education of branch and department employees on the fundamentals of Indirect Lending, including preferred dealers in branch footprints.

Financial and Asset Management:

• Collect funds owed to the credit union by dealerships in accordance with dealer agreements e.g., payments for pay-offs or recourse.
• Monitors and analyze the performance of a dealership portfolio, including but not limited to delinquency, charge-offs, and missing titles by collaborating with internal and external stakeholders.
• Responsible to track and manage a monthly budget including but not limited to monthly mileage, marketing expenses, business lunches, etc. through a monthly expense report.

Problem Resolution:

• Address and resolve any feedback or issues that may arise with members, dealers, or branches in a timely and efficient manner.
• Adherence to policies, procedures and other artifacts including but not limited to rate sheets policies:

Other Duties:

• Perform additional duties as assigned by the management to support the overall goals and objectives of the credit union.

KNOWLEDGE, SKILLS, and ABILITIES

The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience

3 years of experience in the sales finance industry or related industry experience which consists of sales, credit, funding or underwriting.

Education

Four-year degree in business or an additional combined 3 years’ experience in finance, sales or lending.

Licenses, Certifications, Registrations

Driving (valid license)

Managerial Responsibility

This position will not have managerial responsibility.

Computer/Office Equipment Skills

• Intermediate skills with Microsoft Office Suite including Outlook, Word, PowerPoint, Teams and Excel
• Experience with analytical and reporting software preferred
• Demonstrated experience with Lending systems of record – preferred.

Language Skills

• Demonstrated ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations
• Demonstrated ability to document outcomes and present information in a manner appropriate for key stakeholders and all levels of the organization.

Other Skills and Abilities

• Ability to analyze financial data and contractual agreements and compile summaries for management.
• Demonstrated ability to resolve disputes and issues in a proactive and efficient manner that align with the Mountain America Credit Union behaviors.
• Ability to work both autonomously and collaboratively in a fast-paced environment.
• Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines.
• Adaptive to change, responds positively to altered circumstances or conditions
• Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc.
• Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies.
• Excellent inter-personal skills including the ability to lead and collaborate with ad-hoc teams
• Data analytics and data validation skills and proficiency in business data analysis (MS Excel, etc.)

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Ability to sit, talk and hear consistently.

Ability to stand, walk, and use hands to handle or reach occasionally.

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Weight Lifted or Force Exerted

Ability to lift up to 25 pounds occasionally.

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers, light traffic)

***This Job is not eligible to be performed in Colorado or Connecticut, either remotely or in-person.***

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Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.