Portfolio Manager – Auto Lending at Credit Human in San Antonio, Texas

Job Description:

We are seeking a Portfolio Manager for the San Antonio Auto Lending Department.

This role is accountable for directing the Auto Lending office in originating, distributing, and managing a portfolio of loans that will perform commensurate with loan pricing, department structure, and Credit Human auto lending business model. The scope of this role is to manage a loan portfolio that consists of collateral in comparable markets across a few states with standardized valuation methods which include loan products derived from purchase money transactions.

The position is accountable to: develop, implementing, and fine-tuning cross-functional processes that direct loan origination, collections, remarketing, and charge-off recovery efforts. This requires the incumbent to analyze and anticipate loan performance and use that data to develop sound credit policy to minimize risk while meeting company objectives of sustainable profitability and market share.

If you have management, underwriting, and collections experience, you should apply right away!

Highlights:

• Coach, develop, and mentor subordinates by setting objectives and providing context in creating, implementing, and sustaining the effective process of originating loans, collecting payments, and remarketing collateral


• Establish customer service quality standards and ensure the auto lending team meets or exceeds our service expectations


• Continuously develop and refine processes for loan origination, account management, and asset and disposal remarketing to deliver work with increasing quality and pace while reducing waste, redundancy, and variance


• Accountable for the development of self and those staff members within the area of responsibility to enable the sustainable growth of talent within the organization


• Prepare reports to communicate risk exposure to the Auto Lending General Manager regularly

Experience:

    Required

• 5 years of underwriting collateralized consumer loans


• 2 years of experience collecting collateralized consumer loans


• 3 years of managerial experience

    Preferred

• Underwriting consumer collateralized loans


• Auto industry experience


• Direct Member Operations and Lending

Education:

    Required

• Bachelor’s degree in a business-related field or related experience

Licenses & Certifications:

    Required

• Possess a valid driver’s license (in the state of position) and a good driving record

Skills & Knowledge:

    Required

• In-depth understanding of theoretical credit scoring models and their application to create desired loan performance


• Detailed knowledge of and experience in all functions required to lead a compliant and effective consumer lending operation


• Understanding of laws and regulations pertaining to lending and collections of loans


• Ability to organize company resources


• Basic understanding of the concept of productive capacity and its utilizing


• Basic knowledge, content, and purpose of a P&L income statement


• Proven understanding of market theory and ability to utilize that comprehension to create alternative ways of allocating resources that increase the efficiency and effectiveness of department operations


• Proven ability to recognize and creatively solve problems


• Ability to manage, supervise, and lead others to achieve desired goals and objectives


• Strong verbal and written communication skills


• Computer skills to include Microsoft Office Suite products (Word, Excel, PowerPoint, Outlook)


• Strong organizational and human relations skills


• Must be highly professional with the ability to represent the Auto Lending division at various public functions in the automobile industry, consumer finance, credit union, and business community


• Ability to establish and maintain effective relationships with producers and peers


• Ability to work in an environment of ambiguity with minimal supervision


• Must be able to work with all departments in a strongly cooperative and team-building relationship 


• Understanding of the Auto Lending departments, their primary responsibilities


• Customer service-oriented and focused

 

Schedule: Monday-Friday, 8:30 am-5:30 pm

Level of Work: 3B

Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.

To get to know Credit Human and learn more about our benefits, visit our careers page at www.credithuman.com/careers.

 

Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.

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 pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

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