Consumer Credit Loan Specialist

Consumer Credit Loan SpecialistMake banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.GENERAL FUNCTION: Perform pre-underwriting and processing duties needed to fulfill consumer equity and non-equity loan applications. Review and validate complex underwriting stipulations associated with the consumer lending process. Provide accurate, clear and concise information and provide a superior lending experience for external customers through phone interaction and email. Primary loan facilitator for external customers to ensure work flow deadlines and service level agreements are met. Responsible for moving the loan file through the pipeline upon receipt of the application, including updating the file and all systems as work progresses through the underwriting process.Partner with internal departments to escalate and resolve issues and problems. Quickly and efficiently promotes excellence in employee and customer experience. Always do the right thing for customers and colleagues, and ensure that actions and behaviors drive a positive customer experience. Achieve results while consistently identifying, assessing, managing, monitoring, and reporting risks of all types.DUTIES & RESPONSIBILITIES:Proactively contact customers to collect documents needed to underwrite application (including, but not limited to, income documentation, trust information, etc.)Provide accurate information to the customer, explains products and policies in a clear, concise manner to ensure they understand documents needed for a lending decisionEvaluate loan documentation, review income documents, analyze data, and clear conditions per delegated authority (credit and non credit documents)Effectively translate internal communication to customer to ensure all information is delivered professionally, accurately, and timelyActive liaison between the client, underwriting and financial center to meet all loan and customer requirementsActively manage pipeline of consumer loan applicationsFields inbound calls from internal and external customers.Understand and review personal and business tax returns and other income documentsUnderstand and review vendor documents (title, appraisal, flood, verification of employment, etc.) to communicate with internal and external customers any unexpected issues or needsMaintain high level of customer service by being proactive in communicating with borrowers and loan originators.Ownership as the escalation point for internal and external customer questions pertaining to documents needed for loan productsEnsure accurate, complete, and timely loan data on processing and underwriting systemActively participate in ongoing efforts to continually improve customer service for internal and external customersSupport the retail business partners in connection with consumer loan applications processed in the consumer credit centers.Maintain an in-depth, expert knowledge of all equity and non-equity lending products and services as they relate to procedures, increased efficiencies and policiesAccurately enter issues into CIT so that issues can be routed appropriately, worked, tracked and resolved following standard Customer Complaint processesRespond to complex questions and issues from banking centers regarding products, systems and/or operational procedures in the banking center.Work independently to research and resolve issues or answer questions that often involve interpretation of bank policies and procedures.Responsible for completing call tracking and support documentation as requiredAct as a Trusted Advisor, proactively educating customers and bankers with each interaction.Consistently meet all quality, handle time, and aux/adherence standards.Mentor and train less experienced Loan SpecialistsAssist with training and on boarding of new Loan SpecialistsServe as Consumer Lending Representative in the review of updates to existing procedure and newly developed procedures.Support Consumer Lending on departmental projects.Identify and communicate differences in regards to Regional Credit Center OperationsWork with both credit centers to ensure consistencies and similar customer experienceUnderstand loan policies and underwriting procedures to be able to explain cash flows, debt to incomes, and loan decisions to bankersResponsible for subject matter expertise regarding consumer credit policy and loan documentation requirementsRespond to general inquiry emails in shared email boxProvide all services above to Fifth Third customers calling into the credit centerPerform any other duties as assigned.SUPERVISORY RESPONSIBILITIES: None.MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:Minimum three (3) or more years of consumer lending experience in processing or customer service requiredIn-depth knowledge of loans and lending guidelinesDetailed knowledge of processing, underwriting and closing proceduresIn-depth knowledge and understanding of loan application and underwriting systemsPrevious experience managing a pipeline requiredProven computer skillsDemonstrated leadership and organization skillsAbility to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desiredDemonstrated teamwork and customer service skillsThis position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this positionLOCATION -- Cincinnati, Ohio