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Naperville

    Consumer Loan Processor - Naperville, United States - HealthCare Associates Credit Union

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    Description

    Job Description

    Job Description

    Consumer Loan Processor - Immediate Opening - 35 Hour Work Week

    • 35 hour work week
    • 4 weeks of paid time off
    • Federal holidays off
    • No working nights or weekends
    • Opportunity for quarterly incentives
    • Full benefits package
    • 401K (Employer Matching up to 4.5% of eligible pay PLUS Employer Contribution of 4% of eligible pay)

    Interested? Here's more about the role:

    If you are committed to customer service and a desire to learn, we will train you (financial institution experience preferred, but not required).

    We take care of you so you can take care of our members

    About the Organization:

    We are a full-service, credit union serving members of various Health Care organizations.

    About the Position:

    This position is responsible for helping our members achieve their financial goals by providing initial member contact, preparation of consumer loan applications for decision, funding the loan, disbursing the proceeds, and after-booking tracking.

    Responsibilities:

    Service

    • Deliver service to both internal and external members that is in alignment with the credit union's Service Promises.
      • We promise to anticipate your needs and exceed your expectations.
      • We promise to make it easy to do business with us.
      • We promise to take ownership of your requests.
      • We promise to recommend solutions that will improve your/our financial health.
      • We promise to treat you with respect.
      • We promise to thank you for being a member
    • Meets all established sales and service goals.
      • Internal Service Surveys
      • Referrals per application
      • Referrals generating a booked loan
      • Member Shopper Surveys
    • Possess adequate product knowledge as measured by the annual product knowledge certification assessment

    Screening Application

    • Confirm borrower's credit union membership or eligibility for membership
    • Match loan type to application purpose, amount requested, and collateral
    • Determine completeness and accuracy of application information
    • Update information in the core data processing system, enter application data in ELA (Enhanced Loan Application)
    • Request and obtain credit bureau report
    • Recommend approval/denial based on credit report and applicant's qualifications
    • Ascertain value of collateral; obtain payoff, purchase order, paystubs and proof of vehicle insurance

    Booking and Packaging of Loans

    • Clear all final loan disbursement conditions set by Loan Officer, and examine for accuracy all information printing on loan documents and carrying over to Symitar.
    • Create loan documents; forward to member via Doc-U-Sign
    • Confirm disbursement of all funds, disburse proceeds
    • Review/correct cover letters; verify repayment method, and, if applicable, correct cycling date, and set up payroll distribution or order coupon book
    • Assemble and convey to member loan documents and any supplemental documents
    • Prepare scanning package and document items to be tracked

    Member Service (Walk-In, Telephone, Fax, Mail, Internet)

    • Answer telephone inquiries in a courteous, professional manner
    • Guide members through the loan application process
    • Promotes and cross-sells various credit union products and services
    • Explain loan denials, approvals, and closing procedures
    • Perform loan payment transfers and/or share-to-share transfer requests
    • Analyze account problems; formulate solution; implement basic level account corrections

    Auditing Branch Loans

    • Inspect loan setup in Symitar: repayment method, term, payment, cycling date
    • Proofread loan documents for accuracy and compliance and organize scan package

    Tracking Post-Booking Items

    • Title Tracking: receive and catalog titles for every loan secured with a vehicle title; pursue missing/lost titles; add credit union's lien to titles
    • Paid-Out Account: release titles securing all paid off loans; close payment transfer accounts; send appropriate payoff documents to be scanned
    • Scanning: identify new loans to be scanned, verify completeness of scanning package, scan and index package; add additional pages of information to already scanned packages.
    • Handle/track all insurance policies, make account adjustments, follow-up calls

    Other Duties

    • Obtain, analyze and distribute departmental mail.
    • Respond to any member inquires as required.
    • Manage back office e-mails
    • File loan files as needed
    • Review and process Billing Notices
    • Other duties as required

    Qualifications

    • High School diploma or equivalent
    • Previous experience with a financial institution preferred
    • Average typing skills (30 wpm min.)
    • Computer literate, familiar with Microsoft Windows and basic word processing programs (Microsoft Word and Excel a plus)
    • People person who is detail oriented, self-directed, and multi-tasked with excellent communication skills and professional demeanor.
    • NMLS approved
    • Able to perform basic mathematical calculations with extreme accuracy.
    • Capable of dealing calmly and professionally with different personalities from diverse cultures at various levels within and outside of the organization while demonstrating the highest levels of customer service and discretion when dealing with the public.
    • Able to perform responsibilities while maintaining composure within deadlines, requirements for accuracy and quality.

    HACU is an Equal Opportunity Employer

    This is an onsite position

    Job Posted by ApplicantPro

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