As an Auto Finance Credit Rep-Sr at Huntington, you will be responsible for approving, denying, and negotiating complex consumer auto credit applications, building relationships with dealers, ensuring compliance with policies, and providing excellent customer service. You'll also have the opportunity to cross-sell bank products and may manage related staff like underwriters.

Huntington requires candidates for the Auto Finance Credit Rep-Sr position to have a minimum of a high school diploma, alongside three years of experience in an administrative credit function or underwriting. A bachelor's degree and prime auto underwriting experience are preferred for applicants seeking this role.

Yes, the Auto Finance Credit Rep-Sr role at Huntington may require occasional travel. While most of the work can be done remotely, there may be times you need to meet with dealers or attend important meetings to further foster relationships.

At Huntington, the Auto Finance Credit Rep-Sr position offers a remote work option with the flexibility to blend in-office work when required. Our workplace culture emphasizes strong connections, community, and collaboration, ensuring team members can do their best work in a supportive environment.

Candidates for the Auto Finance Credit Rep-Sr position at Huntington should possess excellent communication skills, both written and verbal, and a personable demeanor. Attention to detail, organizational skills, and the ability to thrive in a multi-tasking environment are also crucial for success.

To effectively approve or deny complex auto credit applications, I examine all relevant financial information, ensuring compliance with credit guidelines. My approach involves careful analysis of each application, comparing it against Huntington's policies, and making informed decisions while also considering the relationship with dealers.

In my previous role, I focused on open communication and regular check-ins with a dealer, understanding their unique needs and challenges. By addressing their concerns and offering tailored solutions, I established a strong rapport, resulting in increased business and mutual trust.

When cross-selling bank products, I make it a priority to assess the specific needs of the dealer or customer, presenting relevant products that enhance their experience. By understanding their business and providing solutions that add value, I create opportunities for successful cross-selling.

To ensure compliance, I stay updated on bank policies and regulatory changes related to auto financing. I rigorously follow the established guidelines when assessing credit applications, ensuring every decision aligns with our organizational policies.

My experience in underwriting indirect auto consumer loans has equipped me with a strong understanding of the underwriting process, including evaluating creditworthiness, assessing risks, and making informed lending decisions that align with both consumer needs and policy requirements.

In a fast-paced environment, I utilize a prioritization system that allows me to assess task urgency and importance. By making a daily to-do list, I can tackle high-priority items first while remaining flexible to adjust my focus as new tasks arise.

One challenge I faced was addressing a dealer's frustration regarding a loan denial. I took the time to listen to their concerns, explained the reasoning behind the decision, and worked collaboratively to find an alternative solution, turning a potentially negative experience into a positive outcome.

In a previous role, I negotiated terms on a complex loan application by clarifying our credit policies with the dealer, addressing their concerns, and adjusting certain terms that were acceptable to both parties, resulting in a successful deal that benefited everyone involved.

I always strive to simplify complex financial information by using clear and concise language, avoiding jargon. Visual aids or charts can also be helpful, as well as breaking the information down into digestible segments to ensure my clients understand fully.

I am motivated by helping clients find solutions that enhance their financial journey. The satisfaction of closing a deal successfully and building strong partnerships with dealers drives me to excel in my role as an Auto Finance Credit Rep-Sr.