Loan Specialist III

CA - San Diego

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Position Overview:

Are you Innovative and Relationship Focused? Do you thrive in a fast-paced environment? USE’s Consumer Lending Department is the perfect place for you! As a Loan Specialist I/II, you’ll have the chance to create an effortless member experience and help members achieve their dreams. Become part of a team that is key in delivering extraordinary experiences. Do you have what it takes?

SUMMARY
  • To support the Credit Union’s mission/vision, corporate values and service guarantee
  • Performs to the standards that meet or exceed the Credit Union and divisional objectives and to fulfill the expectations of all internal and external customers
  • Represents the Credit Union in a professional and responsive manner and promotes team participation on departmental and organizational levels
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, skill, and/or ability required
  • Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
EDUCATION and/or EXPERIENCE
  • High school or equivalent
  • Basic knowledge of the credit union/financial industry
  • Advanced knowledge of consumer loan products, rates and terms
  • Intermediate to advanced knowledge of loan processing and credit fundamentals
  • 3 years combined credit union / banking experience to include 1 to 2 years routine consumer loan processing experience or equivalent
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned
  • Process and Fund Consumer, Indirect and Solar loan requests
  • Process daily Consumer, Indirect, Solar Loan Quality Control and Servicing for branch and Call
  • Center funded loans
  • Performs Quality Control on all retail packages for compliance with policies, procedures and
  • loan underwriter stipulations
  • Ensures all required documents are completed properly and signed where necessary
  • Established qualifications for new members and opens new accounts
  • Updates dealer partners daily on contract requirements for funding
  • By calling dealership promotes new programs and rates
  • Performs well under high loan volume/pressure
  • Must be able to handle demanding dealer customer
  • Supports balancing department General Ledger accounts daily
  • Completes, communicates and tracks Consumer Loan Feedback write ups for individual SRO’s and RO’s and branches
  • Completes monthly Consumer Loan Quality Control summary reports for branches and Departments
  • Assist with processing Consumer Loan Servicing (CLS) requests
  • Assists branch employees with matters relating to all consumer loan products
  • Support the daily phone queue help lines. Identifies staff training needs and provides feedback to Consumer
  • Lending Administrator, as needed
  • Track and communicate all outstanding branch and department funded loan files and lending Applications
  • Process Consumer Loan payoff exceptions, including insurance settlements and adjustments as Necessary
  • Provides quality member service for internal/external customers
  • Provides back up support loan Work-Outs/Judgment and CPI audits for Financial Solutions
  • Adhere to company policy and procedure, complete annual compliance training, comply with business continuity and vendor management policy
  • These are crucial to the success of the organization and have regulatory compliance and/or safety and soundness for the sustainability of the credit unión
  • Comply with all Anti Money Laundering laws such as the Bank Secrecy Act, OFAC and USA
  • PATRIOT Act and all related policies and procedures including accurate Member/Customer
  • Identification Program, member due diligence, accurate OFAC match processing, and reporting unusual activities and suspected fraud
  • Performs other duties as assigned

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