Consumer Lending Processor

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Position Summary

The Consumer Lending Processor will be responsible for reviewing funding and completing all Consumer Loan Applications. Job responsibilities primarily include conducting quality assurance audits and completing afterfunding job functions. These job responsibilities are completed by verifying that critical loan documents are ready and complete prior to funding. In addition to ensuring that after funding documentation is submitted and completed with crossfunctional departments.

Principle Duties and Responsibilities

• Works with purpose and is driven to provide the best team member experience.

• Willingness and ability to exhibit Wellby Core Values every day.

• Conducts quality assurance audits prior to funding to ensure completeness and accuracy for consumer real estate and nonreal estate documentation.

• Helps support crossfunctional departments by guiding and directing lending operations in relation to consumer loan funding.

• Coordinates with member and retail partners to obtain the necessary documentation for loan closing and if necessary post funding documentation.

• Manages incoming inquiries related to consumer loan operations received through various channels.

• Demonstrate sound decisionmaking skills when adding dealerships to our rolodex.

• Ensure postfunding documentation for all consumer real estate and nonreal estate documents is submitted to crossfunctional departments and completed. After funding documentation includes but is not limited to proof of insurance ACH forms UCC1 dealer drafting instructions balance transfers check printing etc.

• Disburse and advance all consumer real estate and nonreal estate loan proceeds.

• Print documentation and prepare all payoff checks to the issuer on the loan agreement.

• Process Vehicle Titles Registration and Plates in accordance with state guidelines

• Obtain complete and process accurate title work documentation for the purpose of lien perfection.

• Conducts title investigation to help provide a resolution to missing or incorrect title paperwork.

• Review and process incoming dealer draft payments efficiently.

• Is able to sort log and disburse daily applications evenly amongst the team.

• Handles and resolves all incoming inquiries courteously and professionally.

• Demonstrates a team player with a positive attitude within the department and across the credit union.

• Identifies department needs and suggests proper process improvement or training to meet those needs.

• Participate and facilitate ongoing training to provide operational support on current processes.

• Completes various loan projects system testing internal WIKI updates and training as assigned.

• Ensure appropriate policies procedures and guidelines are being followed.

• Attention to detail and work well in a fastpaced environment.

• Refers to problems that are beyond their authority to their manager along with their recommendations.

• Performs other related duties as assigned.

Knowledge Skills and Abilities (KSA)

• Knowledge of Wellbys organizational functions and general operating policies and procedures.

• Knowledge of consumer lending regulations

• Knowledge of secretarial practices and procedures business English spelling and punctuation.

• Knowledge of personal computer utilizing Microsoft Office Suite.

• Knowledge for all Home Equity Home Equity Line of Credit Consumer Line of Credit and Consumer Closed End loans.

• Skilled in operating computer equipment and general office machines such as personal computers copiers projection equipment audio/video Microsoft Teams Zoom Video Communications and adding machines.

• Ability to interpret regulations affecting the Credit Union

• Ability to communicate information and ideas so others will understand. Must be able to exchange accurate information in these situations.

• Ability to work effectively across organizational departments and functions to achieve strategic goals.

• Ability to work in a fastpaced team environment with exceptional customer service skills.

• Ability to communicate clearly and concisely orally and in writing.

• Ability to motivate others and to work in a large crossfunctional team dynamic.

• Ability to efficiently understand and follow oral and written instructions perform routine duties without close supervision and establish and maintain effective working relationships with other team members.

• Ability to coordinate several concurrent activities simultaneously.

• Ability to work effectively both independently and as part of a team.

• Ability to ensure all work assigned is completed timely to the department.

Supervisory Responsibilities

• Team member does not have supervisory responsibilities.

Complexity & Scope of Work

• The team member performs a variety of related tasks which are mostly routine but are sensitive in nature.

• Non routine situations or conflicts are usually referred to the supervisor for resolution.

• Instructions to the team member may be general or specific in nature.

• Courses of action are determined by established procedures and/or the Consumer Lending Processing Manager.

• The team members work is reviewed periodically for accuracy completion and compliance with the policies and procedures.

• Tasks may occasionally have to be coordinated integrated and/or prioritized.

Physical Demands & Work Environment

• The physical demands and work environment characteristics described here represent those that must be met by a team member to successfully perform the essential functions of this position. Reasonable accommodations may enable individuals with disabilities to perform essential functions.

• To perform this job successfully the team member is frequently required to remain in a stationary position 50 of the time. Daily movements include sitting; standing reaching and grasping operating computers and other office equipment moving about the office; and attending possible onsite and offsite meetings. The team member must be able to exchange information in person in writing and via telephone. Some degree of stress results from contact with management and other team members.

• The ability to observe details at close range (within a few feet of the observer).

• Must be able to occasionally lift items weighing up to 25 pounds across the office and load them onto shelves for various needs.

• The noise level in the work environment is usually moderate.

• Work involves the typical risks and discomforts associated with an office environment but is usually in an area that is adequately cooled heated lighted and ventilated.

Minimum Qualifications

• High School Diploma or equivalent required

• Minimum one 1 three 3 years of experience working in lending or bankingrelated roles

• Credit union or retail banking experience preferred

• Strong communication problemsolving administrative multitasking and organizational skills arerequired.

• May be required to work on Saturdays.

• Bondable

For All Candidates:

This is a FullTime Hourly (nonexempt) role.

Wellby is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race color religion sex national origin age disability genetic information sexual orientation gender identity or expression pregnancy veteranstatusor any other legallyprotected characteristic. If youd like more information about your EEO rights as an applicant under the law please contact Human Resources.

Wellby provides equal opportunity to qualified individuals with disabilities and disabled veterans. If you need a reasonable accommodation please email or callfor assistance.

Disclaimer

The statements herein are intended to describe the general nature and level of work being performed by team members and are not to be construed as an exhaustive list of responsibilities duties and skills required of personnel so classified. Furthermore they do not establish a contract for employment and are subject to change at the discretion of the Company.