Consumer Loan Fulfillment Specialist

2 weeks ago


Raleigh, United States Local Government Federal Credit Union Full time

Job Type

Full-time

Description

The Consumer Loan Fulfillment Specialist will play a crucial role in supporting all consumer and residential real estate loan fulfillment and booking utilizing the loan core system. This position will liaise with various business units that work with consumer lending and related functions, including but not limited to research, lien perfection, reporting and tracking processes, and resolving consumer loan issues. This position will support all resources relating to the loan system and client loan information.

NORMAL DAY-TO-DAY WORK

  1. Prepares documentation and performs processing for consumer loan closing, including personal, auto, and home equity loans.
  2. Gathers and reviews required documentation, including proof of income, buyers' orders, vehicle registrations, proof of insurance, title reports, appraisals, payoff statements, and other related documentation to ensure policies and regulations are followed.
  3. Assists with creation and monitoring of required home equity pre/post disclosures, reviews of finalized loan documentation, and performs lien recordings as necessary.
  4. Corresponds with members via email, phone, or mail to follow up on required conditions to close loans and non-funded loan requests.
  5. Supports the review and testing of new releases and system enhancements to the lending operating system and core system as necessary.
  6. Complies with and stays abreast of all policies, guidelines and procedures, federal and state laws applicable to consumer loan servicing of real estate and non-real estate products.
  7. Supports policy, guidelines and procedures related to consumer real estate closings/transactions with key stakeholders to ensure correct structure, loan documentation, and accurate boarding into the core system.
  8. Prepares for and assists with coordinating internal/external audits pertaining to consumer credit products. Works towards and strives for zero audit exceptions as it relates to scope of responsibility. Performs periodic self-audits on all areas of responsibility.
JOB QUALIFICATIONS

Here are a few skills you MUST have to be qualified for this position.
  1. Minimum 1 - 3 years of consumer loan servicing experience.
  2. Sound knowledge of consumer loan and documentation procedures, policies, regulations, including bankruptcy and consumer laws.
  3. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.
  4. Ability to lift a minimum of 25 lbs. (file boxes, computer).
  5. Travel is required on occasion.
Here are a few qualities we'd LIKE for you to have to make you more suited for this position.
  1. Bachelor's degree in Finance, Accounting, Economics, Business or related field.
  2. Proficiency in consumer and real estate documents in multiple lending jurisdictions, lien filing and titling, and vehicle and real estate insurance.
  3. Functional understanding of a loan origination system (LOS).
  4. Lending experience at a Credit Union/Financial Institution.

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.

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

careers@civicfcu.org

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