Indirect Underwriter

With history dating back to 1856, American National Bank is one of the largest privately owned banks in Nebraska with branch locations in the region with locations in Nebraska, Iowa and Minnesota. We believe in doing. By joining forces with local businesses, charitable organizations and our team members, we are proud to be part of the momentum that keeps the community around us building and growing. Together we can be the catalyst for making great things happen. Join our company to be a part of this inspirational movement and learn how we can grow your career.

Together, we can do more for your future...

At American National Bank, we provide our team members with comprehensive benefits to do more for you and your family.

We offer:

• Competitive base compensation with additional performance-based annual earning potential
• Career growth potential built into every role
• 401(k) Investment Plan with up to 4% match by ANB with immediate vesting and profit sharing*
• No cost Life Insurance with benefit 2x base salary (subject to cap), with ability to purchase additional coverage
• Paid Time Off, Paid Holidays and Paid Volunteer Time
• Medical Insurance with signification premium contribution by ANB, with Wellness Plan Support*
• Dental Insurance with significant premium contribution by ANB*
• Additional Insurance options to meet personal needs: Vision, Pet Care, Critical Illness, Accident, Income, and Identity Theft Protection*
• Tuition Reimbursement*
• Gym Membership Reimbursement*
• Discounts on Banking and Financial needs

*Eligibility Criteria Apply

Job Summary

The Underwriter develops and maintains effective dealer/customer relationships. They analyze credit applications, make credit decisions, and communicate such decisions to the appropriate automobile dealerships or consumer lending branch personnel. This position is responsible for timely completion of required training applicable to the position and regular and effective application of such training in the performance of the position.

Essential Job Duties & Responsibilities

• Approves direct and indirect retail credit requests from dealers and branch offices within the limits of authority. Works with branch lenders to evaluate the credit worthiness of applicants. Works with branch personnel regarding structuring consumer loans and evaluating the creditworthiness of loan applicants. Counsels lenders on how to communicate declined credit while maintaining good customer relationships.
• Ensures proper credit standards are maintained with dealers and lenders. Guides and advises dealer personnel in interpreting and applying Bank's credit policies and procedures.
• Maintains telephone and in-house contact with dealers and/or customers to solve problems lenders have referred, such as mediating customer-dealer disputes, discussing applications and contract rates.
• Makes outside visits to new and existing dealers to maintain and/or generate new relationships. Services large dealer accounts and makes credit decisions that are in the best interest of the Bank while maintaining good, long-term dealer relationships.

Experience Needed:

• Previous experience in customer service, sales and/or telemarketing required.
• Experience with consumer credit preferred.

Education, Licensure & Certification Needed:

• Degree preferred. High school education required.

Skills & Abilities Needed:

• Knowledge of lending practices, policies and procedures as they pertain to dealer contracts and direct consumer lending.
• Knowledge of credit scoring systems.
• Skill in operating office equipment: personal computer, copier, facsimile and calculator.
• Ability to use independent judgment in an environment that stresses both decision quality and quantity based on established policies and procedures.
• Ability to effectively communicate with customers, subordinates and co-workers orally and in writing.
• Knowledge of current federal and state regulations pertaining to credit extensions.
• Familiarity with finance techniques used by dealerships in the auto market.
• Ability to effectively communicate credit terms and conditions to dealership via phone, email, and/or text.

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 c)

---