Consumer Credit Loan Specialist

2 weeks ago

Grand Rapids, United States Fifth Third Full time
Make 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.Provideaccurate,clearand 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 agreementsaremet.Responsible formoving 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 thatactionsandbehaviorsdrive 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 decision
  • Evaluate 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 timely
  • Active liaison between the client, underwriting and financial center to meet all loan and customer requirements
  • Actively manage pipeline of consumer loan applications
  • Fields inbound calls from internal and external customers.
  • Understand and review personal and business tax returns and other income documents
  • Understand and review vendor documents (title, appraisal, flood, verification of employment, etc.) to communicate with internal and external customers any unexpected issues or needs
  • Maintain high level of customer service by being proactive in communicating with borrowers and loan originators.
  • wnership as the escalation point for internal and external customer questions pertaining to documents needed for loan products
  • Ensure accurate, complete, and timely loan data on processing and underwriting system
  • Actively participate in ongoing efforts to continually improve customer service for internal and external customers
  • Support 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 policies
  • Accurately enter issues into CIT so that issues can be routed appropriately, worked, tracked and resolved following standard Customer Complaint processes
  • Respond 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 required
  • Act 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 Specialists
  • Assist with training and on boarding of new Loan Specialists
  • Serve 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 Operations
  • Work with both credit centers to ensure consistencies and similar customer experience
  • Understand loan policies and underwriting procedures to be able to explain cash flows, debt to incomes, and loan decisions to bankers
  • Responsible for subject matter expertise regarding consumer credit policy and loan documentation requirements
  • Respond to general inquiry emails in shared email box
  • Provide all services above to Fifth Third customers calling into the credit center
  • Perform 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 required
  • In-depth knowledge of loans and lending guidelines
  • Detailed knowledge of processing, underwriting and closing procedures
  • In-depth knowledge and understanding of loan application and underwriting systems
  • Previous experience managing a pipeline required
  • Proven computer skills
  • Demonstrated leadership and organization skills
  • Ability to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired
  • Demonstrated teamwork and customer service skills
  • This 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 andregistrationrequiredforemployment in this position


Consumer Credit Loan Specialist

LOCATIONGrand Rapids, Michigan 49546

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

  • Loan Originator

    2 weeks ago

    Grand Rapids, United States Adventure Credit Union Full time

    Job DescriptionJob DescriptionDescription:Adventure Credit Union has been providing financial services to their members for over 80 years and are continuing to grow to meet their members changing needs. As one of the Best & Brightest Companies To Work For In The Nation, we strive to recruit and retain ambitious and talented individuals by continuous...

  • Loan Originator

    1 week ago

    Grand Rapids, United States Adventure Credit Union Full time

    Job Type Full-time Description Adventure Credit Union has been providing financial services to their members for over 80 years and are continuing to grow to meet their members changing needs. As one of the Best & Brightest Companies To Work For In The Nation, we strive to recruit and retain ambitious and talented individuals by continuous development,...

  • Consumer Loan Risk Asset Specialist II

    2 days ago

    Grand Rapids, United States Mercantile Bank Full time

    Join our team at Mercantile Bank as a Consumer Loan Risk Asset Specialist II in Grand Rapids, MI. You will have the opportunity to delve into risk assessment, implementing strategies to mitigate loan risks, and contribute to our customer-centric appr Risk, Specialist, Skills, Accounting, Banking

  • mortgage loan originator

    4 weeks ago

    Grand Rapids, United States Fifth Third Full time

    Make 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: Performs a wide range of duties relating to the origination of residential 1st mortgage loans for outside referrals. Meets standards and objectives defined by management for...

  • Commercial Credit Underwriter I-II

    4 weeks ago

    Grand Rapids, Michigan, United States Bank of America Full time

    Job Description:At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.One of the keys to driving Responsible Growth is being a great place to work for our...

  • Vice President Commercial Lender

    1 week ago

    Grand Rapids, United States Lake Michigan Credit Union Full time

    Job Summary: The Vice President Commercial Lender role is responsible for relationship and commercial loan portfolio growth through both existing and new customer relationships. The VP Commercial Lender will possess thorough knowledge of commercial lending policy and depository services as well as an understanding of the LMCU mission, vision and values,...

  • Vice President Commercial Lender

    5 days ago

    Grand Rapids, United States Lake Michigan Credit Union Full time

    Job Summary: The Vice President Commercial Lender role is responsible for relationship and commercial loan portfolio growth through both existing and new customer relationships. The VP Commercial Lender will possess thorough knowledge of commercial lending policy and depository services as well as an understanding of the LMCU mission, vision and values,...

  • Part Time Teller

    3 days ago

    Grand Rapids, United States Lake Michigan Credit Union Full time

    Job Title: Teller I Primary Location: Knapp Employee Status: part-time hourly Estimated Hours/Week: 22.8 Remote: No % of Travel for the Position: 0% What You’ll Get: (note varied offerings based on role and hours)- Weekly Pay- Comprehensive Health & Wellness package including Medical (with prescription coverage), Dental, and vision- Matching Health...

  • Consumer Safety Inspector

    1 month ago

    Grand Island, Nebraska, United States Department Of Agriculture Full time

    Summary $5,000 Sign on Bonus, Creditable Service for Annual Leave Accrual, Public Service Loan Forgiveness Program, and Referral Bonus Awards are available. Click Learn more about this agency below.Shifts and species will vary based on assignment. For add'l information call Dr. Suh Niba @ or Employee may be detailed to any shift at any plant in the Denver...

  • Call Center Specialist

    2 weeks ago

    Grand Rapids, United States Lake Michigan Credit Union Full time

    Primary Location: Grand Rapids. Employee Status: full-time hourly. Estimated Hours/ Week: 38 Remote: No% of Travel for the Position: 0% What Youll Get: (note varied offerings based on role and hours) Weekly Pay Comprehensive Health & Wellness packag Specialist, Call Center Specialist, Call Center, Technology, Banking

  • Branch Support Specialist

    2 weeks ago

    Grand Blanc, United States Dort Financial Credit Union Full time

    Are you passionate about helping people achieve their financial goals? If so, Dort Financial Credit Union is looking for team members who will execute Our Mission: Enrich people's lives: members, employees, communities. Our Vision: To be the leader in our industry by providing quality financial services, developing an empowered and diverse team, and making...

  • Branch Support Specialist

    5 days ago

    Grand Blanc, United States Dort Financial Credit Union Full time

    Are you passionate about helping people achieve their financial goals? If so, Dort Financial Credit Union is looking for team members who will execute Our Mission: Enrich people's lives: members, employees, communities. Our Vision: To be the leader in our industry by providing quality financial services, developing an empowered and diverse team, and making...

  • Vehicle Registration and Title Specialist

    2 weeks ago

    Grand Rapids, United States Lake Michigan Credit Union Full time

    Title: Vehicle Registration and Title Specialist. Primary Location: Grand Rapids. Employee Status: Full-time hourly. Estimated Hours/ Week: 38 Remote: No What Youll Get: (note varied offerings based on role and hours) Weekly Pay Comprehensive Health Vehicle, Registration, Specialist, Processing, Banking, Healthcare

  • ATM Technical Support Specialist

    1 week ago

    Grand Rapids, United States Lake Michigan Credit Union Full time

    Primary Location: Grand Rapids. Employee Status: Full-time hourly Estimated Hours/ Week: 38 hours/week. Remote: No. What Youll Get: (note varied offerings based on role and hours) Weekly Pay Comprehensive Health & Wellness package including Medical Technical Support, Support Specialist, Technical, Support, Specialist, Technology, Banking

  • Call Center Agent

    2 weeks ago

    Grand Rapids, United States Xtend Full time

    POSITION SUMMARYThe Member Services Representative Level 1 is responsible for providing day-to-day support for credit union members/callers via inbound & outbound services. This position is required to complete detailed notes when forwarding a request to the credit union either by account tracker or email. Requests able to be handled by a Level 1...

  • Call Center Agent

    4 weeks ago

    Grand Rapids, United States Xtend Full time

    Job DescriptionJob DescriptionPOSITION SUMMARYThe Member Services Representative Level 1 is responsible for providing day-to-day support for credit union members/callers via inbound & outbound services. This position is required to complete detailed notes when forwarding a request to the credit union either by account tracker or email. Requests able to be...

  • Relationship Manager

    2 weeks ago

    Grand Rapids, United States COMERICA MANAGEMENT CO INC Full time

    Relationship Manager, Middle Market The Relationship Manager is responsible for new business development, portfolio management and underwriting to support the needs of the group. This role will focus on clients that typically have an annual revenue between $30MM and $500MM. Position Competencies: Successful incumbents are customer focused, have strong...

  • Senior Credit Analyst, C&I CRE

    6 days ago

    Grand Forks, United States Choice Bank Full time

    The Senior Credit Analyst is responsible for taking a lead role in underwriting the intermediate size commercial banking customers. He/she will provide independent and sound opinions on appropriate structures, terms, covenants, and risk ratings of a credit.The individual will take full responsibility for all written and verbal underwriting performed,...

  • Bilingual Call Center Representative

    4 weeks ago

    Grand Rapids, United States Xtend Full time

    Job DescriptionJob DescriptionPOSITION SUMMARYThe Member Services Representative is responsible for providing day-to-day support for credit union members/callers via inbound & outbound services. This position is required to complete detailed notes when forwarding a request to the credit union either by account tracker or email. Requests able to be handled by...

  • Assistant Manager, Branch Office

    2 weeks ago

    Grand Junction, Colorado, United States Navy Federal Credit Union Full time

    Overview To assist the Branch Manager of a small/medium/large branch office by overseeing the efficient operation of the branch to ensure operational functions are completed and properly performed by branch staff.Responsibilities Supervise and lead branch team to provide members the full range of Navy Federal Credit Union products and services including...