Lending Support Representative

Job Description:

Under general supervision, but in accordance with policies, practices and procedures, analyzes account and loan problems and determines root causes to ensure proper file maintenance of accounts. Under general supervision, but in accordance with established policies and procedures, is responsible for working with members and loan staff regarding title issues. Monitors several lending specific reports to assist the Credit Union in mitigating its risk and regulatory compliance. Provides professional internal customer service and support to other departments.

Major Duties & Responsibilities

• Ensures timely response to member research requests pertaining to areas of responsibility. Provides member assistance in problem areas of account maintenance, interest and payoff calculations and statement problems. Maintains related records and summaries of research on these accounts on the Support Magic ticket format.
• Responsible for all automobile title issues to include filing liens, monitoring receipt of titles for recently issued loans, and releasing liens. Reviews list of paid auto loans and releases automobile titles when appropriate. Tracks/researches title exceptions. Works with members, dealers and appropriate governmental agencies to obtain missing titles.
• Manages unperfected title report with third party vender to mitigate exposure of the CU’s collateral.
• Monitors monthly reports for flood insurance policies and missing real estate liens.
• Processes all Gap and auto warranty claims from the membership.
• Provides professional internal customer service and support to other departments by answering questions and providing information regarding the resolution of title issues or other documentation requests. Demonstrates professionalism in discussing sensitive financial situations.
• Processes return check payments on loans for the Accounting department.
• Loan adjustment/modifications (changing of due date, moving loans from account to account, refunding of interest credit, etc.)
• Reviews and maintains weekly and monthly loan related reports to mitigate risk and regulatory compliance.
• Assist with the processing of the daily mail received at the Caraway office and the delivery of deposits and payments twice daily to the Eisenhower branch.
• Interact with title companies, law offices etc. for the payoff and release of real estate liens. Prepares certificates of satisfaction and other documents as necessary.
• Provides professional internal customer service and support to other departments by answering questions and mentoring co-workers regarding the resolution of member service issues.
• Provides scanning of the Lending department files and documents (recorded deeds and lien release, etc.).
• Works with CUMA and Midwest to make sure all final first mortgage packets are assembled and uploaded properly with the correct closing documents.
• Assists the Collections Department in doing monthly charge-offs, payoffs, loan adjustments and any locating any loan documents requested.
• In charge of all filed and boxed archived work and keeps a tracking log.
• Composes of the archived pending report that keeps track of all new close ended loans with insurance and new open-end loans.
• Complies with all applicable Rules, Regulations and Statutes of the NCUA and other appropriate governing bodies to include but not limited to: The Credit Union Bylaws, Bank Secrecy Act, Fair Housing Act, Fair Lending Act, and Fair Credit Reporting.
• Performs other duties as assigned.

Required Experience:
*
Education: High school diploma/equivalent required. *Bachelor’s degree preferred.
Experience: Two (2) years relevant experience required. One (1) year of lending or loan auditing experience is preferred.
Skills: Excellent math skills and familiarity with basic accounting principles required. Proficiency with PC applications such as Word and Excel required.
Communication: Excellent verbal and written communication skills required.
Location: This position is located at Headquarters.
Supervisory: None Required.
Time in Service: None Required.

Equal Opportunity Employer/Veterans/Disabled
An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status, and will not be discriminated against on the basis of disability.
From: United States Senate Federal Credit Union

Job Type: Full-time