Job Description:

Role Description You’ll have responsibility for both the relationship side and credit side of indirect lending.

Underwrite and Buy Auto Loans

• Review indirect auto loan applications submitted through CUDL and other approved channels.

• Analyze credit reports, income, employment, debt obligations, collateral values, loan-to-value, debt-to-income, payment-to-income, and overall credit risk.

• Approve, decline, counteroffer, and condition loans within your assigned lending authority.

• Structure deals that make sense for the borrower, dealer, and Credit Union.

• Work with dealerships to find responsible ways to make good deals work rather than simply approving or declining applications.

• Determine appropriate loan amounts, terms, rates, advances, and stipulations.

• Make timely, competitive credit decisions in a fast-moving dealership environment.

• Review loan documentation and ensure approval conditions are satisfied before loans are purchased or funded.

Build Strong Dealer Relationships

• Develop and maintain productive relationships with automobile dealerships and finance managers.

• Become a trusted lending contact dealers know they can call when they have a deal to discuss.

• Provide responsive, consistent, and professional service to dealer partners.

• Help dealers understand Idaho United’s credit appetite, programs, rates, terms, and lending requirements.

• Visit dealerships and maintain regular communication with dealer partners.

• Identify opportunities to increase application volume and funded loans from existing dealers.

• Help develop new dealer relationships and expand Idaho United’s presence in the market.

• Listen to dealer feedback and help us continuously improve our indirect lending program.

Grow a Quality Loan Portfolio

We want to grow – but we want to grow the right way.

You’ll help balance loan production with credit quality, yield, profitability, and long-term portfolio performance.

• Look for opportunities to increase quality indirect loan production.

• Monitor trends in dealer and loan performance.

• Understand how your lending decisions affect delinquency, charge-offs, yield, and profitability.

• Recognize potential fraud, misrepresentation, inflated collateral values, straw purchases, and other lending risks.

• Use portfolio performance to continuously improve future credit decisions.

• Help Idaho United acquire new members through indirect lending.

What Success Looks Like

A successful Indirect Lending Officer doesn’t simply approve a lot of loans.

Success means building a portfolio of quality, profitable loans while developing dealer relationships that consistently generate good business.

We’ll look at things such as:

• Funded indirect loan growth

• Quality dealer relationships

• New dealer development

• Application-to-funding conversion

• Credit decision turnaround time

• Portfolio yield and profitability

• Delinquency and charge-off performance

• Credit quality

• Dealer satisfaction and retention

• New-member growth

What We’re Looking For

We’re looking for someone who understands that indirect lending is both a people business and a credit business.

You may be a great fit if you have:

• Experience in indirect auto lending, consumer lending, underwriting, dealership finance, or automotive lending.

• Strong consumer credit underwriting skills.

• The ability to read a credit report and understand the complete credit picture.

• Knowledge of loan-to-value, debt-to-income, payment-to-income, negative equity, collateral valuation, and risk-based pricing.

• The ability to confidently approve, decline, counter, and structure loans.

• Strong relationship-building and communication skills.

• The ability to have productive conversations with dealership finance managers.

• Good judgment and the confidence to make lending decisions independently.

• A competitive mindset while still maintaining disciplined credit standards.

• Strong problem-solving and negotiation skills.

• The ability to work quickly without sacrificing accuracy.

• A willingness to get out of the office and develop dealer relationships.

Experience with CUDL or another indirect lending platform is preferred but not required.

Credit union, bank, dealership F&I, automotive finance, or indirect lending experience is highly valued.

 

More Than a Paycheck

We want Idaho United to be a place where great people can build great careers. That means providing competitive compensation, exceptional benefits, opportunities to grow, and a workplace where team members can do meaningful work while still having time to enjoy the things that matter outside of work.

Benefits and Perks

As a full-time Idaho United team member, you’ll enjoy:

Company-Paid Medical, Dental & Vision – Idaho United pays the cost of medical, dental, and vision coverage for team members and their dependents.

401(k) match of up to 5%

Generous Paid Time Off – We believe time away from work matters. Our generous PTO program gives team members time to recharge, spend time with family, travel, and enjoy life outside of work.

Federal Holidays Off – Enjoy federal holidays away from work – plus the day after Thanksgiving.

Discounted Credit Union Products & Services – Team members receive special discounts on eligible Idaho United products and services, including a 2% employee discount on qualifying auto loans.

Interest-Free Technology & Fitness Loans – Access interest-free financing for qualifying technology and fitness purchases.

Annual Health & Fitness Reimbursement – We invest in your well-being with an annual reimbursement toward qualifying health and fitness expenses.

Career Growth & Development – As Idaho United grows, we’re committed to creating opportunities for our team members to learn, develop, and advance their careers.

A Team That Makes a Difference – Be part of a local credit union where your work directly impacts our members, dealer partners, communities, and the future of Idaho United.