Consumer Lending Flex Specialist I/II/III

Job Description

Job Description

Job Description

JOB Objective  (brief statement of the core job responsibilities to be accomplished):

Under direction of the Vice President of Consumer Lending, this position supports consumer loan funding for the Consumer and Indirect Lending channels. It is responsible for processing and funding loans by performing audits, verifying employment and income, resolving funding delays, creating new accounts and loans, disbursing funds, and preparing documents for imaging. The role delivers excellent service consistent with credit union standards and ensures compliance with established policies and procedures to support organizational goals.

DIMENSIONS  (the depth and breadth of the job in numeric or statistical terms):

Incoming/Outgoing Phone Calls or Emails: 50 to 150 daily

Initial Contact on Assigned Applications: 10-15 Borrowers daily

Funding Package Processing and Auditing: 5 to 15 daily

DMV Package Processing: 10-20 weekly

New Accounts and Loan Fulfillment: Per CCCU Operating Plan or Market Volumes

Loan Protection Product Sales: Per Operating Plan

Loan Audit Quality Requirements: Minimal errors; consistently within internal audit tolerance

Report Generation: 1-3 reports weekly (CLFS II and above)

Supervisory responsibilities  (reporting structure):

The incumbent reports directly to the Vice President of Consumer Lending. There are no direct reports to this position.

NATURE & SCOPE:  (daily, weekly, monthly, and yearly tasks, duties and responsibilities):

Co nsumer Lending Flex Specialist I

• Acts as a subject matter resource and cross-functional partner for both Consumer Direct and Indirect Lending funding operations. 

• Per established credit union policies and procedures, processes and funds consumer loans submitted through various delivery channels to include autos, recreational vehicles, motorcycles, personal loans, credit cards, and indirect autos received from participating Dealers. Opens new accounts for non-members according to the established guidelines, when necessary.
• Demonstrates the ability to independently perform, support, and troubleshoot funding activities across both Consumer Direct and Indirect Lending, while providing coaching, guidance, and technical expertise to staff, dealerships, and business partners.
• Exercises independent judgment within established lending policies, procedures, and funding authority limits to evaluate funding exceptions, resolve documentation deficiencies, prioritize multiple funding priorities, and determine appropriate courses of action. 
• Escalates or recommends solutions for situations outside established parameters while balancing member service, operational efficiency, and risk mitigation.