Sr Consumer Lending Specialist

Job Description

Job Description

Description:

Job Title: Sr Consumer Loan Specialist

Overview:  

Responsible for the end-to-end processing of various Consumer Loan products, including direct and indirect vehicle loans, personal loans, credit cards, lines of credit, and share/certificate secured loans. 

What You Will Do:  

• Ensure timely and accurate funding by reviewing loan documents and underwriter stipulations in alignment with department SLAs. 
• Process and fund consumer loans, including direct/indirect auto, personal, and secured loans. 
• Review and validate required documentation and stipulations provided by underwriters. 
• Coordinate with stakeholders such as dealerships and third-party partners (e.g., iLending) to obtain missing or additional information. 
• Perform clerical and administrative duties such as file maintenance, discrepancy resolution, and loan report validation. 
• Manage daily ACH postings and make necessary loan corrections based on report reviews. 
• Reconcile and maintain department General Ledgers (GLs), track reporting data to ensure accuracy. 
• Conduct quality control reviews for funded indirect loans and other completed reports.
• Monitor and process GAP refund check requests and maintain related tracking logs. 
• Act as a backup processor for all Consumer Lending functions as needed. 
• Provide support to Retail, Contact Center, and Loan Contact Center teams with loan inquiries and research. 
• Assist in onboarding and training new hires and support branch/frontline team members. 
• Collaborate with internal departments such as Accounting, Risk, Member Operations, and Consumer Lending for issue resolution and process improvements.  
• Participate in and complete assigned special projects. 
• Works directly with management of Consumer Lending to support with managing the department workflow on a daily cadence and supports with absorbing tasks and responsibilities during staff shortages. 
• Oversees the tracking and assignment of Indirect loans and Direct member requests. 
• Performs weekly, and monthly quality control tasks for all reports and department tasks. 
• Oversees the updating of department procedures on the café on a needs basis and works with all areas of the Consumer Lending department, TSC, branches, Member Operations, Branches, Accounting and Risk.

What We Are Looking For:  

• A minimum of three (3) to five (5) years of similar or related experience, including preparatory experience.
• A high school degree or equivalent
• Strong analytical, critical thinking and problem solving skills including ability to research questions, analyze data, compile results, recommend solutions and effectively communicate information to a variety of levels.
• Strong attention to detail and organizational skills. 
• Ability to successfully work independently and in a team environment. 
• Excellent communication skills.
• Thorough knowledge of Credit Union products, services, and policies.
• Basic Accounting, Microsoft Office, Word, Excel. 
• Knowledge of Consumer loan products (Direct & Indirect), DMV documents and Loan Origination.

Pay Grade Info :  

The base pay range for this position is:  $27-$34/hourly

Perks Important to You:

Our Team Members enjoy the following rewards and benefits:

• Competitive Pay
• Subsidized health care including medical, dental and vision
• FSA and HSA
• Company-Paid Life and A&D insurance
• Discounts on loans (must be a member)
• Paid Vacation, Holiday, and Sick time
• 401k Retirement Saving Plan with a 6% safe harbor employer match
• Educational Assistance Program and more!

Equal Opportunity Employer – Veterans / Disabled

Drug-free Workplace