The Consumer Funding Representative plays a hands-on role in driving the lending experience from approval through funding across indirect auto, direct consumer, and residential/home equity products. This position offers involvement in the full loan lifecycle, working closely with dealers, branch teams, and Loan Servicing to deliver smooth, timely closings while ensuring accuracy and compliance. This role is ideal for someone who enjoys collaboration, variety, and making an impact on both customer and business success.

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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 Lending:

• 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

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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

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Education & Experience

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

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Compensation

• Hourly Rate: $22 – $25 per hour

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Why Join Rhinebeck Bank?

• Comprehensive Benefits: Health, dental, and vision coverage

• 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

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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.

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Equal Opportunity Employer

Rhinebeck Bank is an Equal Opportunity / Affirmative 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.