Consumer Lending Operations Specialist

Description:

CIVIC CULTURE

Our organizations believe we can all do well by doing good. We value the contributions of diverse minds and prioritize the success and well-being of our employees. We also believe every person in our organization plays a role in supporting a healthy environment and helping to achieve our goal of prosperity for all. To this end, we recruit bright, energetic, and talented people to be members of our team. In return, we offer a dynamic workplace that presents opportunities for professional advancement and individual growth. We strive to always display integrity, self-awareness, courage, and respect for one another while continuing to seek opportunities to learn. We really believe that when our employees succeed, our community wins. 

ABOUT THE POSITION

The Consumer Lending Operations Specialist is responsible for the daily servicing and production of the Consumer loan operations. A successful individual in this role will be forward-thinking, assisting with department projects as assigned by the operations manager and ensuring the Credit Union’s Consumer loan closing and servicing policies/procedures are being adhered to on each request. In addition, one must contribute to the ongoing development of processes and procedures as well as have knowledge of each functional area including validating reporting, billing, tracking of insurances/taxes, collateral management and paid-in-full loan record keeping.

NORMAL DAY-TO-DAY WORK

1. Provide daily support of all aspects of servicing Consumer Loan products.
2. Perform loan account maintenance, servicing, balancing, and reporting processes including proficiency in GL reconciliation and transactions.
3. Complete payment processing, data entry, collateral & financial ticklers, and file maintenance.
4. Understand and code loans to report loans accurately in Call Report as well as other Credit Union reporting formats.
5. Assist the Sr. Loan Operations Specialist in monitoring, reviewing, and validating periodic loan reports and system output and resolves/escalates issues as appropriate. Assist in providing reconciliation and identification of pattern activities or anomalies in reports and notifies management.
6. Assist and support the Credit Union’s loan related systems to ensure they are compliant with current loan policies and guidelines.
7. Assist in identifying risks and opportunities for improvement with recommendations to improve processes. 
8. Assist in perfecting Credit Union lien for all real estate and non-real estate loans. Organize loan files and complete checklist for any suspense items.
9. Handle issues and possess up-to-date knowledge of specific financial products and regulations. Work with others as necessary to research, analyze, and recommend resolutions. 
10. Assist in ensuring system upgrades are installed and tested thoroughly in a timely fashion.
11. Ensure compliance with all applicable laws and regulations concerning lending by working with Legal and Compliance, attending internal and external training classes and vendor workshops.
12. Take ownership for actions, decisions, and results; openly accept feedback and demonstrate both the willingness and ability to improve.

JOB QUALIFICATIONS

Here are a few skills you MUST have to be qualified for this position.

1. Minimum 1 – 3 years of consumer loan operations experience in all aspects of servicing and loan documentation preparation for consumer non-real estate and real estate.
2. Strong interpersonal skills with the ability to work in a team environment and mentor others.
3. Ability to function in a business office environment and utilize standard office equipment, technology, and software including but not limited to: PC/laptop, MS Office, etc.
4. Ability to lift a minimum of 25 lbs. (file boxes, computer printer).

Here are a few qualities we’d LIKE for you to have to make you more suited for this position.

1. Experience with collateral perfection and servicing, regulations, and compliance.
2. Experience with virtual/online banking environments for business members services.
3. Technical experience with input to loan documentation and core Credit Union systems.

CONTACT US

If you have questions about this position description, please feel welcome to ask. You can reach our HR Department at: 

Civic Human Resources

3600 Wake Forest Road, Raleigh, NC 27609 

View email address on click.appcast.io

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