Gerente de Suscripción y Cumplimiento

Your Impact

In this position, you will focus on internal risk evaluation, regulatory compliance, and operational oversight rather than direct client interaction. Your role is centered on ensuring that credit decisions, documentation, portfolio monitoring, and recovery processes are executed in accordance with established risk parameters and regulatory standards.

What will you do:

Underwriting

·      Analyzing credit applications by verifying identity, income, credit history, and collateral value.

·      Applying risk models and established institutional criteria.

·      Calculating repayment capacity, Loan-to-Value (LTV) ratios, and debt-to-income ratios.

·      Issuing recommendations for approval, rejection, or adjustment of loan terms.

·      Reviewing supporting documentation: vehicle titles, DMV registrations, proof of income, insurance policies, and contracts.

·      Validating information through external sources.

·      Coordinating with Sales and Collections to ensure file quality and integrity.

·      Generating weekly reports on approvals, early delinquency, and risk trends.

Compliance

·      Overseeing regulatory compliance applicable to lending activities.

·      Reviewing contracts, forms, and customer communications.

·      Participating in and supporting internal and external audits.

·      Maintaining updated procedures, policies, and licenses.

·      Training staff on compliance, ethics, and regulatory matters.

·      Supervising the storage and custody of physical and digital records.

·      Coordinating regulatory reporting to the DFPI (Department of Financial Protection and Innovation) and other relevant authorities.

Collections

·      Payment collection and customer follow-up.

·      Updating accounting ledgers and daily accounts.

·      Issuing monthly account statements.

·      Document management for all accounts.

·      Settlements and account closures.

·      Recoveries, repossessions, auctions, and logistics coordination.

·      Direct customer contact for account payoffs and closures.