CONSUMER LOAN PROCESSOR

Sandia Area Federal Credit Union; Albuquerque (NM); On-site; USD 36,000 - 60,000; Full time

Benefits offered by this job

Comprehensive Medical, Dental, and Vis

Paid Short-Term Disability

Life Insurance and AD&D

Holiday Pay, Vacation, Sick Leave

Tuition Reimbursement

401(k) Plan with Employer Match

Pension Plan

Career Advancement Opportunities

Job summary

Sandia Area Federal Credit Union (SAFCU) is seeking a Consumer Loan Processor to deliver high‑value banking services in Albuquerque. You will review loan applications, ensure policy compliance, and prepare documents, while maintaining strong member relations and accuracy throughout the loan lifecycle.

The role emphasizes processing speed, attention to detail, and seamless coordination with loan officers and other teams to meet deadlines and uphold SAFCU standards.

Qualifications

• Expertise in consumer loan processing and MVD processing.
• Excellent interpersonal communication skills.
• Attention to detail and accuracy required.

Responsibilities

• Review consumer loan applications for completeness and accuracy.
• Identify and report any suspicious activity or compliance issues.
• Prepare loan documents in accordance with approvals and policies.
• Coordinate with officers to gather missing information and updates.
• Process post‑closing duties and ensure proper documentation.
• Verify tax, title, and license fees when applicable.
• Ensure timely communication with members and stakeholders.
• Maintain compliance with BSA, OFAC, and regulatory guidelines.

Skills

Consumer loan processing

MVD processing

Interpersonal communication

Attention to detail

Time management

Team oriented

Adaptability

Education

HSD or GED

Tools

Microsoft Office

Job description

Job Details

Job Location: Rutledge Operations Center - Albuquerque, NM; Position Type: Full Time; Education Level: High School Degree or Equivalent; Salary Range: Undisclosed; Job Shift: Day; Job Category: Banking; Location: Albuquerque, NM 87109.

Schedule of Work: (not a remote or hybrid position)

• Monday to Friday: 8:30 AM to 5:30 PM
• Rotating Saturday: 9:00 AM to 1:00 PM

Please note that this schedule is subject to change as needed.

Benefits

• Comprehensive Medical, Dental, and Vision Insurance
• Paid Short-Term Disability, Life Insurance, and AD&D
• Holiday Pay, Vacation, Birthday, Floating Holiday & Sick Leave
• Tuition Reimbursement for Professional Development
• 401(k) Plan with Employer Match
• Pension Plan for Long-term Security
• Exciting Opportunities for Career Advancement

Overall Job Purpose

At Sandia Area, every position plays a vital role in fulfilling our mission to deliver high-value banking and lending services that strengthen the financial well‑being of our members and community. Each team member is expected to embody our core values of Service, Sustainability, Efficiency, Trust, Stewardship, and Growth, contributing to our vision of empowering lifelong achievement through better banking. While specific responsibilities vary by role, every position carries universal expectations aligned with its level of responsibility and authority across the organization.

As a Consumer Loan Processor at Sandia Area, you are responsible for delivering excellent service while maintaining personal accountability in your actions and behaviors. By prioritizing member satisfaction and operational efficiency, you directly contribute to the organization’s mission of strengthening financial well‑being for our members and community. You are entrusted to uphold our values in every interaction, ensuring trust, accuracy, and a focus on service excellence.

Duties and responsibilities

Compliance & Policy Adherence

• Receives and reviews consumer loan applications, ensures all required documentation is complete, accurate, and in compliance with established policies and procedures.
• Identifies and reports any suspicious activities, potential fraud, or compliance violations to the appropriate channels.
• Prepares consumer loan documents in accordance with the loan approval, regulatory compliance requirements and consumer elected products such as GAP, debt protection, and MRC.
• Process due date change requests and loan auto payment requests in accordance with established policies and procedures
• Processes credit cards in accordance with policy and procedures
• Sends loan documents to members for signature via DocuSign using the appropriate member verification procedures.

Department Operational Support

• Meets established turnaround times and productivity goals for processing loans.
• Communicates timely with loan officers and borrowers to gather missing information, resolve discrepancies, and provide updates on loan application status.
• Responds promptly and professionally to borrower inquiries, providing exceptional member service throughout the loan process.
• Coordinates with Lending Center Consultant to follow up on members who have not completed their DocuSign envelope.
• Ensures clear and effective communication channels are maintained with internal and external stakeholders.
• Ensures Consumer Processing Supervisor is kept fully informed of department activities and of any significant problems or concerns.
• Ensures tax, title and license fees are calculated accurately when applicable. This process may involve working with the Member Records department.
• Verifies and reviews all information in the loan application for accuracy and completeness prior to booking the loan.

Transaction & Account Support

• Funds loans and disburses proceeds in accordance with the loan instructions utilizing available automation or manual processes.
• Regularly reviews Synergy to ensure all loan tracking checklists are complete for the loans they have funded.
• Performs Consumer loan post-closing duties, to include GAP and MRC issuance and ensuring loan and credit protection credit is assigned appropriately.
• Assists in verifying disbursement checks have been reconciled in a timely manner and performs stop payment procedures for re‑issuance, when needed.
• Processes post-closing debt protection elections as assigned.
• Sets up or cancels automatic payment requests as assigned or during the disbursement process.
• Ensures that paperwork is uploaded, indexed and reviewed to the document imaging system timely and accurately.

Expectations of all Sandia Area employees

• Demonstrate a strong commitment to upholding the organization’s mission, vision, and values in all interactions and responsibilities.
• Represent the credit union with professionalism, integrity, and ethical conduct at all times.
• Maintain a thorough understanding and strict adherence to credit union regulations, compliance requirements, policies, procedures, and operational guidelines.
• Consistently meet deadlines as assigned while ensuring accuracy, efficiency, and adherence to quality standards.
• Foster a positive and supportive environment for both members and employees, ensuring interactions align with the credit union’s mission and service philosophy.
• Adhere to all regulatory and compliance policies, upholding the highest standards of security, confidentiality, and ethical financial practices in all interactions.
• Maintain the confidentiality and security of information, records, and sensitive data, in compliance with credit union policies and regulatory requirements.
• Adapt to evolving responsibilities, taking on additional duties as assigned to support the success of the organization.
• Demonstrate a commitment to continuous learning, professional development, and staying informed on industry trends and best practices.
• Willing to undergo background and credit checks as required by federal and state regulations.
• Understand and comply with all policies, procedures, and legal guidelines, including adherence to the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), and other applicable financial regulations.

Qualifications: Knowledge, Skills, and Abilities (KSAs)

• Expertise in Consumer loan processing and MVD processing with a requisite understanding of financial institution operations.
• Requires excellent interpersonal communication skills.
• Excellent verbal and written communication skills.
• Exceptional attention to detail required.
• Exceptional time management and organizational skills, with the ability to prioritize tasks, manage multiple responsibilities, and adapt to a fast-paced environment.
• Proactive in seeking professional growth, embracing both formal and informal development opportunities, and demonstrating adaptability to new responsibilities.
• Team-oriented with a strong collaborative mindset, actively supporting team members and contributing to a positive and high-performing environment.
• Proficient in Microsoft Office, including Outlook, Word, Excel, and PowerPoint.
• Ability to perform essential functions, including the ability to lift up to 10 lbs. as needed.

Minimum Education and Experience Requirements

• HSD or GED
• Directly related experience, in addition to minimum years required, may be considered as a substitution.
• Two (2) year(s) of applicable experience required.
• Two or Four year Business or related degree preferred.
• General knowledge of credit union operations may be desirable.

Sandia Area Federal Credit Union (SAFCU) is an Equal Opportunity Employer.

SAFCU provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.