Consumer Lending Flex Specialist I​/II​/III

Consumer Lending Flex Specialist

Under direction of the Vice President of Consumer Lending, this position supports consumer loan funding for the Consumer and Indirect Lending channels. It is responsible for processing and funding loans by performing audits, verifying employment and income, resolving funding delays, creating new accounts and loans, disbursing funds, and preparing documents for imaging. The role delivers excellent service consistent with credit union standards and ensures compliance with established policies and procedures to support organizational goals.

Incoming/Outgoing Phone Calls or Emails: 50 to 150 daily

Initial Contact on Assigned Applications: 10-15 Borrowers daily

Funding Package Processing and Auditing: 5 to 15 daily

DMV Package Processing: 10-20 weekly

New Accounts and Loan Fulfillment:
Per CCCU Operating Plan or Market Volumes

Loan Protection Product Sales:
Per Operating Plan

Loan Audit Quality Requirements:
Minimal errors; consistently within internal audit tolerance

Report Generation: 1-3 reports weekly (CLFS II and above)

The incumbent reports directly to the Vice President of Consumer Lending. There are no direct reports to this position.

Acts as a subject matter resource and cross-functional partner for both Consumer Direct and Indirect Lending funding operations.

Processes and funds consumer loans submitted through various delivery channels to include autos, recreational vehicles, motorcycles, personal loans, credit cards, and indirect autos received from participating Dealers. Opens new accounts for non-members according to the established guidelines, when necessary.

Demonstrates the ability to independently perform, support, and troubleshoot funding activities across both Consumer Direct and Indirect Lending, while providing coaching, guidance, and technical expertise to staff, dealerships, and business partners.

Exercises independent judgment within established lending policies, procedures, and funding authority limits to evaluate funding exceptions, resolve documentation deficiencies, prioritize multiple funding priorities, and determine appropriate courses of action.

Escalates or recommends solutions for situations outside established parameters while balancing member service, operational efficiency, and risk mitigation.

Handles incoming and outgoing phone calls to assist Borrowers, internal credit union staff, Leasing Companies, Lien Holders, and Auto Dealership Staff. In addition, clearly communicates via alternate channels such as email and web chat when appropriate.

Performs thorough pre-funding reviews and pre-funding package audits to mitigate risk and avoid Dealer or Borrower misrepresentation. Gathers required items and reviews thoroughly to ensure all documentation is present, accurate, and authentic. Confirms that information is consistent with Loan Officer Approval, verifies that DMV paperwork reflects CCCU as Lien Holder of collateral, and satisfies all stipulations prior to funding. In cases where items are missing or inconsistent, makes contact to obtain or sends funding delay notifications.

Performs basic Proof of Income (POI) via non-tax return items such as a pay stub or direct deposit. When necessary, performs Verification of Employment (VOE) inquiries by phone, email, or fax.

Offers credit union protection products. Ensures applicable qualifications are met, completes forms and disclosures, issues policies through appropriate vendor sites, and collects funds for General Ledger deposit.

For indirect deals where the contracted rate is lower than the approved rate, calculates buy-down and communicates figures to dealership for approval.

Prepares new account and loan documents for Borrower signatures via in-branch appointments or Docu Sign. Ensures all documents are accurate and complete.

Disburses loan proceeds via Cashier's Check, deposit to internal account, or ACH transmittal. Notifies Borrower or dealership via phone, email, fax, or web chat of loan funding completion.

Generates ACH Funding Notices and forwards to dealership's Business Office via fax or email to confirm loan funding completion.

Generates barcodes and prepares membership and loan…