Consumer Loan Processor (Auto/Personal/Home Equities)

Are you looking for an opportunity to let your skills shine? Come join the team at the credit union! We aren't so small that growth opportunities are scarce and we aren't so big that you'll get lost in the shuffle. We offer similar products and services as our larger competitors, but on a more personalized scale, both with our members and our employees. This approach provides our employees the opportunity to get involved in the organization in a way they may not be able to, in the corporate world. At the credit union, we value the contributions of our employees and actively look for ways to be collaborative, within all levels of the organization. Here, you will have the opportunity to roll up your shirtsleeves, put your unique skills to work, and have a voice in developing your role from the ground up.

As a Loan Processor you will:

Responsible for preparation of all documents necessary for closing consumer loans.

Coordinate closings with members, Loan Sales Specialists, and Branch Employees by preparing closing packages for distribution to branches or directly to the member. Ensure timelines are met and closings are consummated as contracted.

Assist Branch Employees, Loan Sales Specialists, and Underwriters with questions regarding processing, underwriting, and closing of consumer loans, lines of credit, and credit cards.

Process all consumer loan applications in a timely manner and remote print to closing branch, mail to member, or utilize Docusign.

Set up files and obtain required documents to complete the loan file. Required documents may include such items as payoffs and releases, verifications of income, and purchase orders.

Satisfy underwriting and post-closing conditions.

Mail adverse action notices to borrowers as necessary.

Responsible for the on-going utilization of Docusign software, including creating and maintaining forms, as well as, loading updates as needed.

Produce weekly and monthly reports as required by management.

Serve as primary CPI contact, run bi-weekly reports, post CPI batches, and work with members and vendors to resolve questions and problems.

Book and fund closed loans that are not closed in the branches.

Review loan files for completeness, accuracy, and compliance with standards.

Perform data entry for consumer loans. Work closely with centralized lending and sales to work out any underwriting issues that may arise.

To be successful in this role, you will need the following competencies:

Technologically Astute - Demonstrate the ability to use technology to effectively and efficiently perform job functions.

Results Orientation - Keenly aware of personal, team, departmental and credit union wide goals and be able to prioritize and collaborate with others to achieve success.

A Service Focus - Demonstrate an unsurpassed commitment to exceptional member service. Build constructive working relationships characterized by cooperation, collaboration, and mutual respect. Personify CSCU's role as a Trusted Advisor.

Initiative - Motivated self-starter who measures self against standards of excellence. Display energy and enthusiasm in approaching the job. Wants to get in on the ground floor and create something from scratch. A bit of an entrepreneurial spirit goes a long way in our environment.

Eye for Quality - Take responsibility for providing timely and accurate information, responses and decisions to internal and external members. Willingly accepts and embraces constructive coaching and feedback as needed.

Flexibility - The ability to excel in a high stress environment, adapt to changing business needs and work priorities needs is a must. Develop fresh ideas that provide solutions to all types of workplace challenges.

Skills / Requirements

Professional well developed interpersonal skills essential for interviewing loan applicants and projecting a positive image as representative for the credit union. Approaches others in a tactful manner, reacts well under pressure, accepts responsibility for own actions, and follows through on commitments.

Ability to communicate over the phone including complaint resolution, settling disputes, resolving grievances and conflicts, and otherwise negotiating with others.

Desire to work with the public with a focus on meeting member needs.

Excellent organizational skills.

Requires judgment to apply broader aspects of established practices to situations, which go beyond clear, concise guidelines.

Requires education equivalent to a four-year high school education or general education degree (GED). Some post-secondary education preferred.

Two to three years of related experience required.

Intermediate mathematical skills required (calculations and concepts involving decimals, percentages, fractions, etc.).

Requires excellent computer and word processing skills. Experience with consumer loan software programs for document processing and loan origination required.

Company Overview

Join a winning team and a dedicated credit union! We have been offering quality financial service to members and their families since 1951. As a credit union, we are a not-for-profit financial cooperative, which means we operate to serve our member-owners. This makes us quite different from other financial institutions. Since 1951, we have focused on building lifetime relationships by continually expanding our products and services while emphasizing financial security, quality, and convenience in an environment that values and respects members, employees, and business partners.