Dealer Center Manager

Position Function:

The Dealer Center Manager will lead and oversee the bank's Dealer Center, driving growth, performance, and operational excellence in alignment with established lending and operational guidelines. This role will build and nurture relationships with dealer partners, optimize workflows, and implement strategies to achieve departmental goals. Additionally, this role will provide guidance and support to ensure all aspects of the indirect lending process are executed efficiently and effectively. This role is pivotal in shaping the success and long-term vision of the Dealer Center.

Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness.

Primary Accountabilities:

Total Portfolio/Income Growth:

• Responsible for the development and implementation of strategies to achieve the bank's growth and income objectives through the acquisition of indirect dealer paper. Lead efforts to service and strengthen relationships with the department's existing dealer base while driving expansion by implementing a consistent, targeted dealer solicitation and calling program. Collaborate closely with key stakeholders to identify high-potential markets and dealer partners that align with the bank's risk appetite and growth strategy.
• Develop innovative programs and tailored solutions to attract new dealers and foster deeper engagement with existing ones, ensuring sustained growth and a thriving, diversified dealer network. Monitor and analyze portfolio performance to identify trends, opportunities, and potential risks, leveraging data-driven insights to optimize portfolio growth and profitability. Partner with marketing and operations teams to enhance dealer onboarding processes, streamline funding timelines, and provide best-in-class service that strengthens the bank's reputation as a preferred lender.

Management of Dealer Center:

• Foster a high-performance culture by providing clear direction, setting measurable goals, and holding the team accountable for delivering exceptional results. Ensure all staff are well-trained, equipped, and consistently adhere to established policies, procedures, and guidelines. Proactively identify skill gaps and create professional development opportunities to strengthen team capabilities.
• Act as a strategic leader by regularly evaluating departmental processes to identify opportunities for enhanced efficiency, scalability, and innovation. Recommend and implement process improvements and technology solutions to align with evolving market conditions, compliance requirements, and industry best practices. Collaborate with senior management to develop and execute strategic plans that drive growth, operational excellence, and customer satisfaction.
• Serve as a key liaison between the department and external stakeholders, including dealers and vendors, to ensure seamless communication, trust, and long-term partnerships. Continuously monitor performance metrics and provide actionable insights to ensure the department operates at peak performance while consistently achieving and exceeding the bank's strategic goals.

Delinquency/Losses:

• Responsible for overseeing department's delinquency and loss objectives by ensuring sound underwriting practices, effective loan structuring, and competitive pricing strategies.

Systems Management:

• Serves as the subject matter expert for the indirect consumer decision engine and DealerTrack application systems. Oversee and coordinate periodic system upgrades to enhance the bank's ability to deliver credit efficiently while ensuring full compliance with regulatory requirements. Leverage your expertise to optimize system performance, streamline processes, and support the bank's strategic objectives.

Compliance:

• Responsible for business unit compliance oversight as the "Business Unit Compliance Officer" with dotted line reporting to the Director of Compliance. The responsibilities for the "Business Unit Compliance Officer" include:
• Facilitating the Compliance Risk Assessment process by identifying, assessing, and managing regulatory compliance risks within the business unit.
• Knowing and understanding all state and federal compliance laws, rules, and regulations ("laws and regulations") applicable to the business unit, and how such laws and regulations impact or affect the business unit.
• Keeping abreast of changes to the laws and regulations, as tracked and disseminated on the Regulatory Tracking Log.
• Conducting or coordinating compliance training for the business unit, in addition to and in support of the Compliance Training Program.
• Conducting and/or facilitating transactional and non-transactional monitoring and testing to assess the business unit's compliance with all applicable laws and regulations, in support of the Compliance Monitoring Program.
• Ensuring that issues are properly included on the Issues Tracking Log, and that corrective action is taken as necessary and appropriate to address regulatory concerns.
• Supporting the Customer Complaint Program by ensuring that the business unit employees understand and fulfill their responsibilities for addressing complaints under the program.
• Facilitating regulatory audits and exams.
• Completing other compliance related projects and tasks as requested to support the Bank's Compliance Management System.

Minimum Qualifications:

Education:

• Bachelor's Degree from an accredited 4-year university in a related field required.

Experience:

• 6+ years of experience in indirect lending (A bachelor's degree can substitute for 2 years of work experience.)
• 2+ years of experience in consumer product sales.
• 5+ years of supervisory, or 3+ years of management experience.

Physical Requirements & Working Conditions:

• Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated.
• Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications.
• Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions.
• Must be able to read and understand bank-related documents.
• Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job.

We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.