Senior Consumer Loan Fulfillment Specialist

2 weeks ago

Raleigh, United States Local Government Federal Credit Union Full time

The Senior Consumer Loan Fulfillment Specialist will act as the subject matter expert as it relates to 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. The position will work with individuals from across the Credit Union to act as a resource relating to the loan system and member loan information. Additionally, this role will play a key part in supporting the Consumer Operations Manager in developing and implementing specific credit products.

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. Creates and monitors required pre/post disclosures; reviews finalized loan documentation for accuracy and performs necessary lien recordings.
  4. Corresponds with members via email, phone, or mail to follow up on required conditions to close loans and non-funded loan requests.
  5. Assists the Consumer Operations Manager with the review and testing of new releases and system enhancements to the lending operating system and core system as necessary.
  6. Assists the Consumer Operations Manager in maintaining existing consumer credit products in the Credit Union's core system and lending operating system to ensure appropriate alignment.
  7. 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.
  8. Supports policy, guidelines, and procedures related to consumer real estate closings/transactions with key stakeholders to ensure correct structure and loan documentation. Verifies that each loan is boarded accurately into the core system.
  9. Assists Consumer Operations Manager with creating and/or updating loan servicing processes, procedures, policies, and systems as necessary with knowledge of all consumer- related regulations for real estate and non-real estate consumer loans.
  10. 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 of 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 including personal loans, auto loans, and real estate loans.
  2. Proven experience with consumer loan and documentation procedures, policies, regulations, and knowledge of bankruptcy and consumer laws.
  3. Demonstrated proficiency in consumer and RE loan documents in multiple lending jurisdictions, lien filing and titling, and vehicle and RE insurance.
  4. PC proficient including Microsoft Office (Word, Excel, PowerPoint, Access, Outlook) and the Internet.
  5. Ability to function in a Consumer business office environment and utilize standard office equipment including but not limited to: PC, copier, telephone, etc.
  6. Ability to lift a minimum of 25 lbs. (file boxes, computer printer).
  7. Travel required sometimes.
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. Lending experience at a Credit Union/Financial Institution.
  3. Demonstrated experience maintaining a loan core system.
  4. Functional understanding of a loan origination system (LOS).


LGFCU & 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.

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

LGFCU Human Resources

3600 Wake Forest Road, Raleigh, NC 27609

careers@lgfcu.org

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