Senior Consumer Lending Assistant

Mission

In the Senate Community tradition of service, we strive to improve the financial wellness of our members throughout all stages of life by integrating sustainability and security into every financial solution.

• Maintains our members' and employees' trust by safeguarding their financial data and information.
• Values and respects everyone's abilities, opinions and feedback to achieve trust, safety, and well-being in a friendly, welcoming and cooperative environment. Actively devoted to our motto of 'better together'.
• Is honest, professional, authentic, and genuine in creating relationships that are uncompromising and true to ethical principles.
• Generates new ideas, supports change, provides new efficient solutions and solves problems creatively while balancing risk.

Under general supervision and in compliance with all federal and state regulations and established USSFCU policies and procedures, is responsible for processing and funding consumer loan applications. Serves as an ambassador of USSFCU by espousing our "Member First" philosophy, fulfilling our purpose of helping our members achieve financial success. Develops relationships with members by engaging as a member advocate, actively listening, identifying member needs and providing solutions.

Driven to meet or exceed individual performance and departmental sales/service goals.

• Represents the Credit Union in a courteous, engaging, professional manner and provides excellent member service to both members and internal teammates. Is efficient, results driven, and accurate. Understands the impact of behavior and performance on the credit union, the members, potential members, and teammates.
• Contribute and provide feedback and guidance to continually develop and enhance processes and procedures including enhancing and/or creating key operating system or integration improvements.
• The management, monitoring and oversight of daily loan volumes including management of queues to ensure that processing of loan applications is completed within the established Service Level Agreement (SLA) document.
• Prioritizing the Consumer Lending teams' daily functions based on volume and workload to include task delegation to Processors or other team members within the department.
• Serve as the lead to assist with handling escalations while maintaining and providing high degree of member service.
• Reviews documentation to ensure it corresponds with loan application; confirms accuracy of member information, conducts a comprehensive review of income verification, loads data in Loan Origination System (LOS), and funds in accordance with loan officer's instructions and existing underwriting guidelines and stipulations.
• Obtains accurate payoff figures and prepares and mails payoff checks and letters in relation to consumer loan funding.
• Monitors eFax, Secure Messaging through Loan Origination System (LOS), Docu Sign mailboxes, and other queues to ensure the timely receipt and processing of documents.
• Accepts incoming calls, answers questions, and provides information related to loan processing and loan funding.
• Follows up and responds to any emails and secure web messages through the Loan Origination System (LOS) submitted by members.
• Processes all ancillary product inquiries to include after loan closing with adding and cancellation of debt protection, GAP and/or Warranty with the appropriate forms and documentation.
• Adheres to all auditing procedures designed to document the lending process and provide the proper checks and balances.
• Supports and participates in continuous improvement activities.
• Explains loan options, rates, terms, and collateral requirements. Educates members by providing accurate information regarding credit union products, services, policies, and procedures, helping them to arrive at a beneficial conclusion. Understands the appropriate rules and regulations related to loan products and services. Reads and interprets data from consumer credit reports.
• Tracks progress and maintains up-to-date status of all types of consumer loans. Responsible for input and/or verification of data…