• DCL Inside Sales Rep II

    Bank of the WestSan Ramon, CA 94583

    Job #1781433097

  • DCL Inside Sales Rep II

    Description

    At Bank of the West, our people are having a positive impact on the world. We're investing where we feel we can make the most impact, like advancing diversity and women entrepreneurship programs, financing for more small businesses, and promoting programs for sustainable energy. From our locations across the U.S., Bank of the West is taking action to help protect the planet, improve people's lives, and strengthen communities. We are part of BNP Paribas, a global leader supporting the UN Sustainable Development Goals (SDGs). Yes, we're a bank, but as the bank for a changing world, we are continually seeking to improve the ways we help our customers, while contributing to more sustainable and equitable growth.

    Job Description Summary

    Responsible for providing a variety of sales and customer service related functions for consumer direct borrowers through extensive knowledge of loan product and predetermined alliance partner guidelines. Partners with Credit and Operational teams during the loan acquisition process. Primary focus is Inside Sales.

    Essential Job Functions

    • Answers all inbound calls and written communication for the purpose of selling Essex Credit RV/Marine lending products and services. Effectively educates customer on the features and benefits of Essex Credit and our alliance Partners financing plans and programs. This may include recommending alternative lending sources that best fits the customer's need.

    • Builds rapport and strengthens client relationships during the sales interaction while providing information on loans as requested including application status, funding information and documentation requirements.

    • Works closely with the customer, Credit, and Operations Department members in clearing loan conditions in order to close and fund loans quickly.

    • Analyzes consumer credit applications quickly including calculating income ratios, collateral values, advance percentages, down payment requirements, maximum loan terms, survey/inspection requirement, and liquidity ratios and determine additional information required for loan approval.

    • Acts as liaison for our clients to resolve issues by utilizing other areas of expertise as needed. Initiate request for research for internal/external customer requests.

    • Understands and adheres to all training and ECC policy, laws, and regulations applicable to role. Reports all compliance issues, violations of laws or regulations in accordance with the steps as defined by ECC.

    Other Job Duties

    • Meets service level guidelines, goals, and production standards based on documented performance criteria and shift worked.

    • Performs other duties as assigned.

    Qualifications

    Required Experience

    • Requires practical knowledge of job area typically obtained through advanced education combined with experience.

    • Requires 3 years minimum prior relevant experience.

    Education

    • High School Diploma or GED Required

    Skills

    • Thorough understanding of banking or other financial institution experience preferred.

    • General knowledge of Marine or RV loan administration preferred.

    Equal Employment Opportunity Policy

    Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.

    Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.

    Job: Sales - Consumer Lending

    Location: United States-California-San Ramon

    Requisition ID: 058616