Consumer Funding Representative

Essential Job Functions
Indirect Auto Lending

Review contracts received from auto dealers for completeness and accuracy

Fund approved dealer contracts in a timely manner

Deliver completed loan packages to the Loan Servicing Department

Prepare and mail dealer reserve statements and applicant declination notices

Maintain accurate records and reporting of funded loans

Direct Consumer Loans

Prepare loan documentation for direct consumer loans, ensuring accuracy and completeness prior to customer signing

Verify all stipulations required for loan approval, including income documentation, insurance, and other conditions

Guide customers through the loan process, providing clear communication from approval to funding

Coordinate with branch staff to schedule loan signings and ensure a seamless funding experience

Ensure all executed loan documents are received, recorded, and uploaded into the loan system

Respond to customer inquiries regarding loan terms, conditions, and funding timelines

Residential / Home Equity Lending

Execute rate locks for correspondent bank residential mortgages

Coordinate home equity closings

Prepare closing documentation for Home Equity Loans and Lines of Credit

Ensure accurate disbursement of funds and submit completed files to Loan Servicing

Assist with HMDA reporting, as needed

Generate Loan Estimates for rate locks and change of circumstances in accordance with TRID guidelines

Ensure compliance throughout the home equity process, including adherence to SAFE Act, TRID, ECOA, HMDA, ATR/QM, Flood, and related regulations

Non-Essential Job Functions

Work with dealers and customers to research and resolve issues and answer questions

Follow all bank policies and procedures

Advise dealers of funding and reserve amounts

Contribute positively in a team-oriented environment

Education & Experience
Associate’s degree (A.S.) or minimum of 2 years of related experience

Compensation
Hourly Rate: $22 – $25 per hour

Benefits

Tuition Reimbursement: Support for continuing education and career growth

Generous Paid Time Off: 20 days of PTO

Retirement Benefits: 401(k) with generous employer match

Training & Development: Structured onboarding with classroom, webinar, and hands‑on learning

Mentorship: Ongoing support from experienced professionals

Community Involvement: Paid volunteer hours to give back

About Rhinebeck Bank
Since 1860, Rhinebeck Bank has been a cornerstone of the Hudson Valley community. We take pride in our personal involvement with our customers, their financial success, and the local charitable organizations we support. Our team is committed to delivering exceptional service while fostering meaningful community connections.

Equal Opportunity Employer
Rhinebeck Bank is an Equal Opportunity / Affinitive Action Employer. We do not discriminate based on race, color, religion, sex, national origin, veteran or disability status, sexual orientation, gender identity, transgender status, or any other characteristic protected by applicable law.

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