Bilingual Loan Documentation Clerk

Heritage-South-Community-Credit-Union; Shelbyville (TN); On-site; USD 19,000 - 33,000; Full time

Job summary

Heritage South Community Credit Union in Tennessee seeks a Loan Documentation Clerk to support its Consumer Lending team. The role emphasizes accurate loan document review, timely processing, lien perfection coordination, and responsive member communication.

The position requires knowledge of financial processes, strong written and verbal communication, and familiarity with the Symitar core. This is an on-site, hourly role with a focus on compliance and efficiency.

Qualifications

• General knowledge of financial institutions/services and customer/member service principles.
• Ability to prioritize tasks and meet deadlines amid changing priorities.
• Effective communication, organization and technical writing skills.

Responsibilities

• Ensure all loan files checked and processed within fourteen days.
• Scan and index loan and account documents into imaging system.
• Follow up on lien recordings and title/UCC documentation; ensure proper documentation received.
• Process skip payments, payments, and loan payoff requests.
• Prepare and review weekly, monthly, and quarterly reports (Paid Out Loan, To Be Checked, GAP, etc).
• Respond to member inquiries via phone, email, or letters with clear information.
• Handle debt protection claims and loan payment processing as needed.
• Address consumer disputes and credit bureau corrections in E-Oscar.

Skills

Customer service

Financial knowledge

Task prioritization

Communication skills

Symitar core

Education

High School Diploma or GED

Tools

Symitar core

Job description

HERITAGE SOUTH COMMUNITY CREDIT UNION

Job Description

POSITION TITLE: Loan Documentation Clerk

SALARY STATUS: Hourly

REPORTS TO: Consumer Lending Manager

Core Expectations:

At Heritage South Community Credit Union, our mission is to Help When Others Won'T. This brand and culture are the driving force behind our financial institution. We ask our team members to "dig deeper" in their interactions with our members, finding solutions to improve their financial well-being when others would simply say no.

As a team member, you will be expected to align with our core values. These values are essential to achieving our mission. They are:

• Be Well Trained and Competent
• Be Considerate and Respectful of Members and Coworkers
• Be Compassionate
• Be Creative and Find Solutions
• Be Consistent and Professional
• Be Trustworthy and Accountable
• Be Timely
• Be a Team Player
• Deliver Exceptional Service Beyond What is Expected
• Have Fun

As a not-for-profit financial institution, we strive to be different. We believe in the cooperative philosophy of people helping people. We will never forget that our credit union is owned by its members. We exist to provide quality financial services to our community, often when no one else will. If you're looking for a place to start a rewarding career you can be proud of, then Heritage South Community Credit Union might be the place for you.

Qualifications of Position:

• General knowledge and understanding of financial institutions/services and customer/member service principles
• Ability to prioritize tasks, and deal effectively with competing and changing priorities to meet deadlines
• Possess effective communication, organization, and technical writing skills
• Experience with the Symitar core preferred
• High School Diploma or GED required
• Prior credit union or financial institution experience preferred

Position Duties and Responsibilities

• Ensures all loan files are checked and processed within fourteen days. This includes reviewing all loan documents for accuracy and completeness. Follows up on exception items on a monthly basis at minimum.
• Scans and indexes loan and account documents into the imaging system
• Ensure liens are perfected within a timely manner. Follow-up on Title and UCC lien recordings by calling dealerships, financial institutions, or members to ensure proper documentation is received for all loans.
• Accurately process skip payments
• Process incoming mail and post payments received for loan department
• Process loan payoff request, collateral releases, and loan payment reversals
• Process title guaranty requests from insurance companies, following up to assure payoff is received and title is released. Inform members when Insurance company is not paying balance owed on loan.
• Prepare and work weekly, monthly, and quarterly reports, including but not limited to Paid Out Loan, To Be Checked, GAP, Warranty, DPW (Depreciation Protection), Line of Credit, Title, UCC, Share Secured Pledge, etc.
• Respond to member inquiries in a timely, professional, and efficient manner. Assist members with loan-related issues through phone, email, or letters, providing clear and accurate information.
• Process Debt Protection claims and loan payment processing as needed
• Respond to consumer disputes and process credit bureau corrections in E-Oscar system as needed
• Other duties as assigned.

Regulatory Compliance & Confidentiality

Follows regulatory and policy compliance requirements, which include those efforts in compliance with Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC) and Anti-Money Laundering (AML) Regulations, Identity Theft Red Flags and other compliance related policies. This position also requires maintaining confidentiality with regard to non-public information about our members and the Credit Union.

Requirements

• General knowledge and understanding of financial institutions/services and customer/member service principles
• Ability to prioritize tasks, and deal effectively with competing and changing priorities to meet deadlines
• Possess effective communication, organization, and technical writing skills
• Experience with the Symitar core preferred
• High School Diploma or GED required
• Prior credit union or financial institution experience preferred