*About Us*

Read on to fully understand what this job requires in terms of skills and experience If you are a good match, make an application.

At FILO, we are committed to providing high-quality financial solutions with integrity, innovation, and personalized service. As a leader in the indirect auto lending space, we work closely with a trusted network of auto dealers to deliver financing solutions that meet the needs of diverse borrowers. Our mission is to build lasting partnerships by delivering consistent, efficient, and compliant loan services—and none of this would be possible without an exceptional credit team.

We are currently seeking a strategic and experienced *Director of Indirect Lending* to lead and evolve our credit operations. This is an outstanding opportunity for a seasoned credit leader to drive impactful change, support a high-performing team, and contribute directly to the long-term success and growth of our lending division.

*Position Summary*

The *Director of Indirect Lending* is responsible for overseeing the day-to-day operations, strategy, and performance of the underwriting team responsible for indirect auto lending. This role is accountable for establishing and enforcing underwriting policies, optimizing workflows, supporting cross-departmental collaboration, and ensuring a culture of compliance, efficiency, and service excellence.

This position requires a strong background in credit and underwriting, particularly in the auto finance industry, along with demonstrated experience leading and developing teams. The ideal candidate will be both a strategic thinker and a hands-on leader capable of improving operational performance and aligning departmental goals with broader business objectives.

*Key Responsibilities*

*Leadership & Team Development* * Provide leadership, mentorship, and daily management for a team of underwriters and credit analysts. * Develop and implement employee onboarding, training, continuing education, and career development plans. * Conduct regular performance reviews, set goals, and initiate coaching and corrective action when necessary.

*Credit Decisioning & Underwriting Oversight* * Oversee the full lifecycle of loan applications and credit decisioning processes. * Ensure underwriting decisions are completed in a timely, accurate, and policy-compliant manner. * Monitor daily credit application queues and assist in escalated or complex loan scenarios.

*Operational Strategy & Continuous Improvement* * Collaborate with senior leadership to establish departmental goals, KPIs, and service level expectations. * Identify and implement process improvements that enhance loan quality, operational efficiency, and team productivity. * Analyze key metrics and adjust workflows, policies, or staffing needs accordingly. * Ability to learn and manage all systems and integrations within the loan origination platform, including interfacing with 50+ software tools such as Econ Tracking, RouteOne, Document Tracking, eVault, Dealertrack, and other integrated operational systems

*Policy, Compliance & Cross-Functional Collaboration* * Maintain and enforce underwriting guidelines in accordance with company policies and regulatory standards. * Work cross-functionally with other departments, including Funding, Servicing, and Compliance, to streamline operations and improve service delivery. * Participate in company-wide initiatives, including technology upgrades and special projects.

*Market Intelligence & Risk Management* * Stay current with industry trends, market pricing, and competitor offerings. * Provide insights and recommendations to adjust underwriting criteria or lending practices based on market conditions.

*Qualifications & Requirements* * Minimum of 5 years of experience in indirect auto lending, with a strong background in underwriting and credit decisioning. * At least 3 years of experience in a leadership or supervisory role within a lending or financial services environment. * Strong understanding of indirect auto finance operations, compliance regulations, and underwriting best practices. * Excellent analytical, problem-solving, and decision-making skills. * Proven ability to manage competing priorities in a fast-paced, deadline-driven environment. * Exceptional interpersonal and communication skills, with a strong customer service orientation. * Proficiency with loan origination systems and Microsoft Office Suite (Excel, Word, Outlook). * Bachelor’s degree in Business, Finance, or a related field preferred; equivalent work experience accepted.

*Working Conditions & Physical Demands* * Work is primarily performed in an office environment. * Prolonged periods of sitting and computer use. * Ability to communicate clearly and professionally via phone and email.

*Why Join Us?* * Collaborative and mission-driven work environment. * Opportunity to lead and influence a critical business unit. * Competitive salary and performance-based incentives. * Comprehensive benefits including health, dental, vision, and paid time off.

Ongoing professional development and growth opportunities.

Job Type: Full-time

Pay: $100,000.00 - $125,000.00 per year

Benefits: * 401(k) * Dental insurance * Health insurance * Paid time off * Vision insurance

Work Location: In person