Loan Specialist - El Centro, United States - Sun Community Federal Credit U

Description

Loan Specialist

Department:
Consumer Loans


FLSA:
Non-Exempt


EEO:
Administrative Support Worker


Salary Grade: 7


Salary Range:
$48,298-$58,900-$67,735


Position Reports To:
VP Consumer Lending


Supervisory Position:
No

**_

People Vision:

_** _Our people create an environment that produces genuine empathy and feelings of care and concern for a better future and personal well-being to make us the only choice in the communities we serve"Changing lives, because we care.

"_


POSITION PURPOSE

We are in the people business SUN's vision and the driving force behind our decision is the desire to serve members and co-workers with extraordinary experience.

The Loan Specialist will be responsible for performing a wide variety of member services and clerical duties related to consumer loan collateral.

The LS is responsive to questions, be solution oriented, resolves complex issues to assist members in fulfilling their dreams and financial goals.

The LS oversees the DMV process, answers, or refers questions regarding DMV transactions to supervisor to ensure compliance. LS demonstrates integrity, work ethic and can collaborate with their team to create success and achieve goals.


ESSENTIAL FUNCTIONS AND BASIC DUTIES

• DMV transactions are centralized processed by the Loan Specialist. LS then prepares, updates, monitors, and processes paperwork daily including consumer loan processing reviews and compiling.
• Perfects and releases titles daily in accordance with the State of California DMV regulations.
• Prepares the loans for mailing to members or forwarding to other branches.
• Performs collateral verification reviews on consumer Real Estate secured loans.
• Perfects liens and reviews title policies recorded deeds of trusts and ensures title insurance policies are received.
• Presents and educates our Credit Union services and products to members and assists in meeting their financial needs.
• Expert on DMV transactions and can explain policies and procedures to members and Auto Dealers. Providing guidance and assistance in the decisionmaking process pertaining to DMV transactions.
• In accordance with BSA Rules and Regulations, reports any unusual activity to the Credit Support Manager or Supervisor for further review.
• Occasionally, reports to DMV for special handling of DMV transactions.

PERFORMANCE MEASUREMENTS

• Required reports and records are accurate, complete, and timely.
• Members, vendor, and professional calls and inquiries are courteously and professionally resolved or referred.
• Loan information is posted correctly and promptly.
• Loan processing functions are completed in accordance with established policies and procedures.
• Advanced knowledge of DMV regulations and processes

QUALIFICATIONS

Education/Certification:
High school graduate or equivalent, some college preferred.

Must be solution oriented and assist with complex transactions and sensitive member relations problems.

Experience Required:
Prior clerical experience helpful, particularly in a financial institution environment.


Skills/Abilities:
Strong modern computer skills.

Well organized and able to prioritize.

Attention to detail is extremely important.

Good communication and able to provide extraordinary member service Work is performed in a team environment utilizing each person's unique individual strengths.

Solid math and bookkeeping abilities.


WORKING CONDITIONS:


None:
No hazardous or significantly unpleasant conditions (such as in a typical office).


INTENT AND FUNCTION OF JOB DESCRIPTIONS
Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well-constructed job descriptions are an integral part of any effective compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the mínimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.

However, no accommodation will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminate