Loan Processor

Description

Grow Your Career with Valley Credit Union

Are you searching for more than just a job? We're looking to add a Loan Processor to our team! This role supports our Lending Department through solving problems, processing high volumes of documents, and servicing consumer loans.

At Valley Credit Union, we offer a dynamic work environment where you can grow your career and enjoy excellent company benefits. Our strong culture, driven by our Cultural Beliefs, supports and empowers every team member. We believe it truly matters where you belong, and we invite you to be a part of our vibrant team. Join us and make a difference!

VISION STATEMENT

Building relationships with people in our communities.

MISSION STATEMENT

Uniting to achieve your dreams.

Position Summary

The Loan Processor processes loan applications and performs a variety of support duties related to the lending functions within the Credit Union.

Requirements

ESSENTIAL DUTIES

• Retain and continue to develop member and employee relationships by providing a consistent quality level of service that is timely, thorough and responsive to all employees and members.

• Resolve problems to the lender’s satisfaction and to meet the members’ needs, including making the determination as to when it is necessary to involve other resources.

• Maintain strong knowledge of all federal, state and local laws, rules and regulations governing consumer lending to include NCUA Rules and Regulations, 701.21 b, c and z.

• Input and load loan applications into the system and ensure all loans booked are complete and accurate according to policy.

• Fund Indirect loan applications, as requested, through the TCI/Portico system and verify for completeness of information.

• Scan all indirect loan documents.

• Assist lenders in verifying background information and employment of loan applicants and resolve discrepancies.

• Process lien perfections/filings.

• Review all loans booked for compliance discrepancies.

• Process, maintain, and follow-up on all title work.

• Open new accounts.

• Disburse the loan, as needed.

• Verify documents prior to closing for quality check.

• Submit GAP claims.

• Process and mail out counters/turndowns.

• Answer all calls that have to do with the Lending Center.

• Refer other Credit Union services to meet or exceed monthly sales goals. Participate in Credit Union incentive and business development programs.

• Perform any additional duties as assigned.

KNOWLEDGE, SKILLS, and ABILITIES

• Ability to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.

• Knowledge of word processing, spreadsheet, email software and use of the Internet. Must be proficient in Microsoft Office programs including Word and Excel.

• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.

• Ability to demonstrate high levels of accuracy and attention to detail.

• Ability to deal calmly and professionally with diverse personalities and cultures at various levels within and outside of the organization.

• Ability to communicate with others inside and/or outside the organization, generally regarding routine matters for the purpose of giving and obtaining information, as well as advising or referring.

• Ability to establish priorities, set goals and meet deadlines in an accurate and efficient manner. Ability to effectively handle multiple, simultaneous, and changing priorities.

• Ability to exercise courtesy, tact, and diplomacy. Ability to demonstrate highest levels of customer service and discretion when dealing with the public.

Summary

RESPONSIBILITIES & EXPECTATIONS

Demonstrate and consistently follow Valley's Cultural Beliefs:

• Own It – accountable for work / achieving goals

• Know It – knowledgeable of products and services to help members

• Find a Way to Say YES – focus on what we can do

• Come Together – work well with others / share knowledge

• Community Servers – positive ambassador

• Relationship Matters – develop and maintain positive relationships.

Know and understand the mission and vision of the Credit Union. Strictly adhere to the Credit Union's policy of confidentiality, security, professional conduct, and dress.

Maintain a professional image when working with members and coworkers.

Maintain current knowledge of all rules and regulations and perform at all times in compliance with laws and regulations relating to the position and Credit Union.

Develop a thorough knowledge of Valley’s products and services in order to explain and promote them to members and nonmembers based on their needs.

Maintain absolute integrity and high sense of ethical behavior, both on and off the job.

Serve as a representative of the Credit Union by participating in community and civic functions and professional organizations.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

SUPERVISORY RESPONSIBILITIES

This position does not have any supervisory responsibilities.

EDUCATION and/or EXPERIENCE

High school diploma or general education diploma (GED), and a minimum of two years related experience.

Previous financial experience preferred.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to sit and/or stand; climb or balance; and stoop, kneel, crouch or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Able to routinely perform work on computer for an average of 6-8 hours per day, as necessary.

Base Compensation: $17.84 - $26.77 per hour, DOE