Processor/Funder I - USA Specialty Lending

Loan Processor And Funder

At USALLIANCE, we pride ourselves on innovation, teamwork, training and development and career planning. We are a unique members-first Credit Union Culture driven by our core Values: Trust, Collaboration, Achievement and Making a Difference. As part of our team, you will have the opportunity to grow both personally and professionally in an inclusive and supportive environment. Represent USALLIANCE in the community and form lasting relationships with our members and partners.

About This Role:

This position is responsible for processing and funding loan applications, accurately and in a timely and efficient manner within our USA Specialty Lending department. The loan processor and funder will be communicating with Sources, Partners and Members to develop and maintain a strong positive relationship. This role will also provide support to the entire USA Specialty Lending team as needed, which provides lending for Aircraft, Marine, Recreational Vehicle and Specialty Automobile borrowers.

Key Responsibilities:

• Prepare and review loan documents for accuracy, completeness, and compliance with all federal, state, local and company requirements.
• Embrace and promote the "vision" of USA Specialty Lending internally and externally.
• Facilitate loan closings with external third-party sources/partners.
• Ensure complete loan packages are uploaded to the internal origination platform.
• Maintenance of loan files in Meridian Link, OSI, and Laserfiche with detailed logs and notes
• Verify all loan terms and transaction details including financing amount, dealer fees, rates, and other transactional attributes to ensure completeness prior to finalizing the loan.
• Directly contact members as needed to validate transaction details and repayment information.
• Maintain expert level knowledge of all products and services offered. Be able to explain to members as needed.
• Establish new memberships within origination platform as needed.
• Disburse funds through the core portfolio system.
• Adhere to all policies and procedures, including security compliance, and following guidelines intended to limit risk exposure to fraud and losses. Review exceptions and escalate when necessary.
• Adhere to all local, state, and federal laws/regulatory requirements as related to functional areas including the Patriot Act, Truth in Lending, Reg B, Reg Z, and Bank Secrecy Act.

Who You Are:

• Minimum of 2 years of experience with processing and/or funding loans.
• "Customer-first" mindset while detail oriented. Should have the ability to work in a fast-paced environment and meet tight deadlines.
• Strong interpersonal skills with demonstrated ability to build effective relationships, work collaboratively, and troubleshoot over the phone.
• Understanding of consumer and specialized asset documentation requirements.
• Seeks constant improvement, always looking for ways to make processes operational smooth, efficient and eliminate unnecessary "friction".
• Proficient in MS Office.
• Adhere to lending guidelines, banking statutes & regulations as well as Credit Union policies and procedures.
• Adept at utilizing technology and various software platforms to process information.
• Indirect and Direct lending experience preferred.
• Background in Specialty Lending Aircraft, Marine, RV and Specialty Auto is a PLUS.

What We Offer:

• Competitive salary and benefits package
• Opportunities for professional development and career growth with exposure to mentorship from the executive team.
• Hybrid Schedule (min 3 days in office to maximize collaboration)
• A collaborative and inclusive work environment
• Paid Time Off, Wellness Time & Paid Federal holidays
• 401K with 6% match
• High Performance Culture that specializes in training to sharpen and expand skills brought to USALLIANCE.

Become a part of a team where your ideas are valued, your growth is supported, and your work makes a difference. Apply today and take the next step in your career with USALLIANCE.