** Indirect Retail Account Rep.**

**Job Category****:** Member Loan Center **Requisition Number****:** INDIR001731 Showing 1 location **Job Details**

**Description**

APGFCU Your Community Credit Union! For over 80 years, APGFCU has shared our financial experience and provided valuable products and services to build stability and financial independence, one member at a time. We are looking for those who want to join this movement and become a part of a growing organization. We offer competitive pay and great benefits.

**Summary****:**

Reporting to the AVP of Member Loan Center, the candidate will assist in growing the indirect retail programs by: 1) initiating and building strong relationships with existing and new indirect retailers and partners; 2) proactively developing and implementing effective operational and sales tactics in support of the strategic plan; and 3) serving as liaison between the credit union and indirect retail partners to create engaged relationships which result in active promotion of APGFCU products and services. Ensures sales orientation is consistent with the credit union philosophy of people helping people.

**Essential Duties and Responsibilities:**

**Business Development/Sales:** Builds strong, loyal partnerships via face to face contact on an established meeting frequency. Ensures the APGFCU relationship adds value to the partners lending options. Requires routine evaluation and communication of partner statistics, including loan volume; book to received ratio; and risk rate. Ensures consistent, personal and professional service is provided in order to build loyal partnerships. Responsible for developing and recommending new indirect retail partners for APGFCU. Responsible for specific, measurable goals for shares, loans, credit life/disability insurance, cross selling and referrals based on credit unions strategic plan.

**Marketing:** Provide operational insight to effectively contribute to marketing and promotional plans to leverage business development opportunities within the retail, auto and manufactured home industry. Implement marketing plans to promote a positive relationship between indirect retail partners and the membership. Collaborate with marketing to develop collateral material to effectively represent and promote the credit union indirect programs.

**Program Maintenance:** Maintains a dynamic program that adapts to shifting market conditions. Continuously gathers data, conducts informal research, and communicates findings regarding internal and external lending programs. For the credit union to maintain a competitive edge this candidate must establish and recommend program and pricing adjustments based on the market and retain current volume by utilizing established reports to include internal data and external data. Candidate must establish, prepare, and maintain files, records, and reports necessary to conduct business.

**Service:** Provide consistent courteous, personal, and professional service. Develop strong loyalty by maintaining open dialog, oral and written, with partners.

**Loan Service:** Increase loan volume by actively and appropriately cross-selling loan products to meet goals established. To protect members and the Credit Union, promote credit life and disability insurance. Proactively interview members and review debt held at other financial institutions for transfer to Credit Union. Skills should demonstrate strong knowledge of individual member, use of common sense and credit union philosophy of people helping people. Review loan denials for possible alternative recommendations for approval. Courteously communicate denials to members and offer alternative solutions and counseling as appropriate. Knowledge and skills will be maintained by keeping abreast of all policies and procedures through regular training.

**Additional:** Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures as related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable).

**Qualifications:**

**Education:** Minimum High School education with additional specialized training equivalent to two years college. Experience may be credited in lieu of education.

**Experience:** 3 to 5 years financial institution lending products and services. 3 years of auto industry and finance experience. 3 years of successful sale experience in a business to business selling environment.

**Knowledge, Skills, and Abilities:** Knowledge of federal credit union laws, a background in the indirect lending industry, the knowledge of credit underwriting and risk based pricing. Candidate must present strong negotiating and decision making skills, have the ability to resolve disputes and be able to work under stressful situations. Interact in a professional manner with finance department personnel as well as retail, auto and manufactured home management i.e. GM and/ or park owner. Candidate must be able to work independently, have excellent communication skills; and have the ability to handle a fast paced environment. Demonstrate ability to seek out and seize opportunities and take initiative with little or no direction. Demonstrate ability to effectively utilize a consultative sales approach including superior listening and problem solving skills. Proficiency with computers and office applications such as Excel, Word, and Micro soft office.

**Schedule:** The ability to work a flexible schedule to accommodate the schedules of our partners, including evenings, weekends, and holidays.

**Business Travel:** Requires approximately 90% travel to local partners. Must maintain and operate motor vehicle to accomplish assigned duties, and operate vehicle in safe manner in accordance with applicable laws and maintain a valid drivers license.

**Physical Demands:** The physical demands described here are representatives of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to walk, drive, sit, and talk or hear. The employee is occasionally required to stand; use hands to finger, handle, or feel objects, tools, controls; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl; and taste or smell.

The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

*APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability to Protected Veteran status. Please use the attached link to view the EEO law poster*

APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities, including persons with disabilities. If you need a reasonable accommodation for any part of the employment process, please send to the Human Resources Department and let us know the nature of your request and your contact information. Reasonable accommodations are considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodations will be responded to from this e-mail address.

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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the