Consumer Lending Ops Specialist (Auto Funder)

Axos Bank; San Diego (CA); On-site; USD 25,000 - 32,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Paid time off

401(k) with employer match

HSA or FSA

Job summary

Axos Bank is seeking a Consumer Lending Operations Specialist to support and fund auto lending and unsecured lending products. The role requires 2+ years in auto loan funding, strong attention to detail, and excellent communication in English.

You may work overtime and some Saturdays, with bonuses tied to performance targets. Responsibilities include reviewing loan applications, ensuring due diligence, and coordinating with internal teams to meet service levels while maintaining compliance.

Qualifications

• 2+ years in auto loan funding.
• Experience in other consumer lending products preferred.
• Excellent organizational skills and attention to detail.
• Ability to work under pressure and meet deadlines in a fast-paced environment.
• Strong written and verbal English communication.

Responsibilities

• Review and fund consumer automobile loan applications that conform to credit decisioning in accordance with approved guidelines and policy constraints while meeting service level agreements.
• Prepare required write-ups (as applicable) and ensure all due diligence and background evaluation is complete and thorough before loan funding.
• Communicate effectively with appropriate parties to satisfy conditions and maintain stellar internal and external customer service.
• Thorough review and evaluation of all documentation related to the loan file to ensure accuracy and completeness.
• Work in a team oriented, fast-paced environment by contributing to operational efficiencies and by meeting or exceeding key performance indicators.
• Prepare and complete journal entries and reconciliations.
• Ensure applications/loans meet regulatory requirements.
• Other duties as assigned, to meet business and company needs.

Skills

Auto loan funding

Attention to detail

Strong math skills

MS Office

Communication skills

Tools

Microsoft Office

Job description

Axos Bank

Target Range:

18.00/Hr. - 23.00/Hr.

Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Eligible for an Annual Discretionary Cash Bonus Target: 10%

Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

The Consumer Lending Operations Specialist is responsible for supporting and funding consumer lending products such as Auto Lending and Unsecured Lending. Comprehensive knowledge and experience of auto lending is a must. The Consumer Lending Operations Specialist is responsible for performing a variety of operational duties to support the consumer lending business. Must be able to work overtime and some Saturdays, as needed.

Responsibilities:

• Review and fund consumer automobile loan applications that conform to credit decisioning in accordance with approved guidelines and policy constraints while meeting service level agreements.

• Prepare required write-ups (as applicable) and ensure all due diligence and background evaluation is complete and thorough before loan funding.

• Communicate effectively with appropriate parties to satisfy conditions and maintain stellar internal and external customer service.

• Thorough review and evaluation of all documentation related to the loan file to ensure accuracy and completeness.

• Work in a team oriented, fast-paced environment by contributing to operational efficiencies and by meeting or exceeding key performance indicators.

• Prepare and complete journal entries and reconciliations.

• Ensure applications/loans meet regulatory requirements.

• Other duties as assigned, to meet business and company needs.

Qualifications:

• 2+ years in auto loan funding.
• Experience in other consumer lending products (unsecured lending, credit card, etc) preferred.
• Applied knowledge of loan funding fundamentals and standard industry practices
• Excellent organizational skills
• Attention to detail is a must, along with a keen eye for identifying problems on a loan
• Strong math skills and computer literacy, including Microsoft Office proficiency
• Ability to work under pressure, multi-task, and meet deadlines in a fast-paced environment
• Excellent verbal and written communication skills (English) and negotiation skills
• Willingness to perform multiple functions throughout the day as the need arises
• Ability to work well within a team in a production environment with expected service level standards

Axos Employee Benefits May Include:

• Medical, Dental, Vision, and Life Insurance

• Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year)

• HSA or FSA account and other voluntary benefits

• 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan

• Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading

About Axos

Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We’re a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers.

Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol “AX” (NYSE: AX).

Learn more about working at Axos

Pre-Employment Background Check and Drug Test:

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

Equal Employment Opportunity:

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment:

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.

E-Verify and Right to Work Notices

Axos participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States. The E-Verify program is an internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.

IER Right to Work Poster (English/Spanish)

E-Verify Participation Poster (English/Spanish)