4063 Consumer Loan Processor

Job description

JOIN THE KEESLER FEDERAL TEAM

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:

Medical, dental, and vision insurance
Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
Employee and Dependent Life Insurance
401(k) Retirement Plan with 100% match on the first 5% contributed by you
Paid Leave
Tuition Reimbursement and Competitive Scholarships
Short Term & Long Term Disability Benefits

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS

Position: Consumer Loan Processor I

Department: Member Contact Center

Reports To: Centralized Funding Manager

FLSA: Non-Exempt

Summary

Processes all loan applications and provides funding support for the Retail Lending. Provides exceptional member service and processes loans in a timely, accurate, professional, and courteous manner.

Supervisory Responsibilities

None

Essential Functions

Assists members and non-members with loan closing questions, inquiries, loan disbursement, and required documentation to complete the loan process for the pending loan queue.
Adheres to lending policy and guidelines; including the effective interpretation of VOI and VOE documentation.
Verifies all necessary information as required by KFCU policies and procedures.
Performs file maintenance, account changes, and provides general account information as may be required.
Maintains equipment and supplies necessary to keep the department working efficiently.
Receives, opens and makes required distribution of all departmental mail, as well as processing loan corrections, extensions, and insurance cancellations.
Emails loan documents to members.
Once a loan decision has been made, communicates the decision to the member in a positive and tactful manner.
Utilizes the Member Concierge to set up branch appointments for members.
Utilizes Opening Act and/or Symitar to open and process loan applications, upload documents, make the required notations, and disburse checks.
Monitors electronic correspondence channels such as: fax, message board, email, and web messages to ensure quality member services.
Meets established service and production goals for the Centralized Funding Department; however, CLP's do not have lending authority but are authorized to start applications for cross sales during the funding process. All loans originated must not be funded by the originating CLP.
Utilizes the Mississippi Automated Registration Vehicle Information Network for titling information as needed.
Utilizes Evolve for credit card information as needed.
Effectively uses the Synapsys CRM to create, and manage sales, referrals, and service events for members within Service Commitment timelines.
Responsible for compliance with all Federal regulations including Bank Secrecy Act, (BSA) Office of Foreign Assets Control (OFAC), and all credit union policies and procedures.
Utilizes The Member Advantage AIDINC system to identify potential member (internal or external) service needs which can be met through the sale of credit union products and services, or adherence to the department's policy and procedures.
Accurately interprets the Fair Credit Act and the Privacy Act as they apply to credit unions

Knowledge and Skills

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, skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

A high school education or GED.

Experience and Other Requirements

One to three years of similar or related experience.
Must exhibit a basic comprehension or arithmetic competency and possess basic clerical skills, including operating a PC.
Must possess an outgoing personality with a helpful attitude and well developed sales culture attitude toward credit union services and products.
Accuracy and attention to details required.
Satisfactory completion of New Hire Orientation, New Accounts, and Teller Training, through the HR/Training Department required.
Must possess and maintain good interpersonal skills with members and other employees.
Excellent oral and written communication skills required.
Punctuality and attendance are critical to this position.
Second language preferred.
Must become familiar with all KFCU guidelines, policies and procedures, departments, and their relationship.
Must possess the ability to remain organized and stay focused during stressful periods of high loan demand.
Must possess an on-going ability to keep abreast of changing policies and procedures.
Good tying/keyboarding skills required.
Must maintain confidentiality and display dependability.
Overtime may be required as work and circumstances require.

Interpersonal Skills

Work normally involves contacts with persons beyond immediate associates generally regarding routine matters for purposes of giving or obtaining information which may require some discussion. Outside contacts take the form of service to the public (members or vendors) requiring ordinary courtesy in providing assistance and information.

Computer Skills

Extensive use of personal PC required.
Must be proficient in Microsoft Word, Excel, as well as use of internet and e-mail.

Certificates, Licenses and Registrations

Completion of CUNA's CPD Online courses as assigned and/or required. Completion of Integrity TMA training required within one year of hire date.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit, stand and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is occasionally required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move up to 10 pounds.

Work Environment

The work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Extensive use of desktop computer is required. Extensive use of a telephone headset or handset is required. The noise level is that of a normal office environment.

Declaration

The human resources department retains the sole rights and discretion to make changes to this job description.