Consumer Loan Processor Ii

GREAT opportunity to join our Consumer Lending Team! Seeking previous experience processing Consumer Loans in a fast-paced environment.

• 99% of the cost of employee healthcare covered by the company
• 100% of the cost of dental and vision covered by the company
• 401K match offered
• Culture focused on employee engagement & giving back
• Mission dedicated to serving the credit union members (our customers)

Title: Consumer Loan Processor II

Grade 7H

Position Status – Full Time non-exempt (Hourly)

Reports To: Reports to Consumer Loans Manager

Purpose: The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”

The Consumer Loan Processor II serves as the liaison between the member, underwriter, and lending representative to ensure an efficient, accurate, and compliant process for the documentation and funding of loans for members of the Credit Union. Depending on volume and business need, the Loan Processor II may serve in a lead capacity for the department.

Essential Duties and Responsibilities: Other duties may be assigned.

1. Deliver outstanding service to both internal and external members that is in alignment with our Service Promises:
   1. I promise to be mindful of your time with fast, efficient, courteous, and friendly service.
   2. I promise to demonstrate integrity in all my interactions.
   3. I promise to always treat you with dignity and respect.
   4. I promise to work with fellow employees throughout the credit union to ensure you receive the best possible products, service, and solutions.
   5. I promise to safeguard the security and confidential nature of your financial information.
   6. I promise to greet you with a smile and thank you for your business when your transaction is completed.
   7. I promise to deliver on our mission to help you achieve financial success by providing exceptional products and service.
2. Receives, completes, and processes all applications approved by underwriting.
3. Assumes responsibility for the efficient, effective, and accurate processing of lending documentation for loan closing, loan funding and other lending related member services.
4. Ensures the accuracy and completeness and forwarding of all forms and documentation for third parties, including accuracy in all documentation needed to properly record liens or collateralization, auto-titles, verify insurance, fund, and book the loan.
5. Maintains appropriate follow up on pending applications to ensure the processes is moving forward.
6. Obtains member signatures on all appropriate documents.
7. Collaborates and provides documentation with internal stakeholders for the establishment of member shares.
8. Completes request of varying degrees of complexity; some moderate in nature and others requiring extensive research and problem-solving skills to identify and resolve issues.
9. May complete a variety of service requests, clerical duties, and research associated with the resolution of member inquiries and concerns about their loan applications or pending loan transaction.
10. Maintains up-to-date knowledge of all consumer lending produces and services.
11. Assumes accountability for personal understanding and adherence to all APCU lending policies and procedures.
12. Follows all processes and practices that have been put in place to mitigate fraudulent activity and risks.
13. Facilitates the ability for the member to speak with internal business partners for resolution of inquiries and concerns that cannot be resolved by yourself.
14. Detail oriented; able to multi-task.
15. Effectively uses written and oral communication skills in daily correspondence.
16. Complies with all aspects of BSA/AML and OFAC regulations as they relate to this position.
17. Other duties as assigned.

Supervisory Responsibilities: No direct reports. May manage day-to-day task through indirect reporting relationships or through a matrixed management approach and the ability to collaboratively interact with internal and external partners.

Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/pr ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

REQUIRED Education and/or Experience:

• An associate degree in business, Business Administration, or related field of study; 2 years relative work experience or 2 years college course equivalent in lieu of degree
• 2 additional years of relative Consumer Loan work experience
• 10-Key calculator, typing and keying skills, and working knowledge of Microsoft Office software

PREFFERED Education and/or Experience:

• 3 years specific member facing loan processing work experience within a Credit Union.
• Prior experience completing transactions in Symitar, and Meridian Link, Lexus Nexus, etc.

Physical Job Requirements:

Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 25 pounds.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources.

Please note that an employment offer, and your continued employment, are contingent upon acceptable results of a background and credit check, as well as satisfactory proof of your right to work in the U.S.