Indirect Dealer Lending Specialist

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?

Our "people helping people" philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU.

PAY RANGE

BENEFITS

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company's 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here.

IMPACT YOU'LL MAKE:
As an Indirect Dealer Lending Specialist at BECU, you'll be at the heart of our auto and RV financing operations-ensuring that every loan is processed with precision, care, and member-first service. You'll be the trusted bridge between dealerships and our members, helping them navigate the lending process with confidence and clarity. Your expertise in loan documentation, quality control, and compliance will directly shape the financial journeys of our members, while your insights will help refine and elevate our lending practices. This is your opportunity to make a meaningful impact-where your attention to detail, communication skills, and passion for service will help drive BECU's mission forward.

Please Note**: This role will require occasional travel to Tukwila Financial Center.

WHAT YOU'LL DO:
* Champion Compliance and Protection: Uphold BECU's standards by ensuring all responsibilities align with our competencies, regulatory requirements, and information protection protocols.
* Master Lending Regulations: Stay informed on federal and state regulations related to Consumer and Indirect Dealer Lending, and understand how various departments collaborate with Indirect Lending.
* Ensure Document Accuracy: Audit incoming loan applications and supporting documents from dealers, input accurate data into our systems, and route materials for underwriting and funding.
* Validate Loan Integrity: Review loan documentation thoroughly to confirm completeness, accuracy, and compliance with lending policies.
* Facilitate Loan Interviews: Conduct engaging interviews with dealers and members to gather all necessary information for loan funding.
* Drive Process Improvements: Share ideas and recommend enhancements to streamline loan processing, underwriting, and disbursement workflows.
* Manage Financial Reporting: Maintain and review accounting reports, reconcile GL accounts, and track service levels with precision.
* Deliver Exceptional Service: Provide prompt, courteous support to members and dealerships, resolving issues with empathy and follow-through.
* Lead Quality Control Calls: Connect with members post-purchase to validate dealership information and gather feedback on their buying experience.
* Document for Audit and Strategy: Record quality control call details to support audits and inform dealership relationship strategies.
* Conduct Background Checks: Verify applicant information, including fraud alerts and credit bureau data, to ensure secure and responsible lending.
* Recommend Credit Exceptions: Collaborate with underwriting and management to suggest credit exceptions that align with policy and member needs.
* Analyze Credit and Collateral: Interpret credit scores, validate income, and confirm that pledged collateral serves the Credit Union's best interest.
* Validate APR and Buy-Downs: Use tools to confirm APR accuracy, calculate buy-downs, and manage related documentation and payments.
* Contribute to Product Development: Join technical project teams to help shape new Credit Union products and services.
* Support as Needed: Take on additional duties that align with your strengths and support team success.
This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU'LL GAIN:
BECU is looking for a detail-driven, service-oriented professional who thrives in a fast-paced environment and is passionate about helping others. If this sounds like you, here's what you'll gain:
* A role where your precision and care directly impact member satisfaction and financial success.
* Opportunities to collaborate with dealerships and members, building strong relationships and trust.
* A chance to grow your expertise in auto and RV lending, compliance, and credit analysis.
* A supportive team environment that values your ideas and encourages innovation.
* Exposure to technical project teams and product development initiatives.
* A workplace that prioritizes your professional development and celebrates your contributions.

QUALIFICATIONS:

Minimum Qualifications:
* Associate's degree in business or equivalent work or educational experience.
* Minimum 1 year of data entry experience with a high degree of accuracy.
* Minimum 1 year of experience with loan processing at BECU or another financial institution.
* Full-time availability with flexibility for additional hours as needed.
* Occasional travel.

Desired Qualifications:
* Experience in indirect dealer funding environment.
* Ability to handle multiple tasks by prioritizing responsibilities and maintaining attention to detail.
* Verbal and written communication skills for effective customer service.
* Math, PC, and organizational skills.

JOIN THE JOURNEY
Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.