Consumer Loan Processor

KEMBA Financial Credit Union; North Carolina; On-site; USD 42,000 - 66,000; Full time

Job summary

KEMBA Financial Credit Union in North Carolina seeks a Consumer Loan Processor to diligently complete the loan process. You will audit files, prepare closing documents, verify signatures, and disburse loan funds while maintaining strong member communication.

Responsibilities include opening member accounts, resolving loan issues, and ensuring adherence to policies and regulations. This role demands accuracy and the ability to work both independently and with a team.

Qualifications

• High school diploma or equivalent education and experience.
• 1 year related experience in a financial institution.
• Knowledge of title work and lien filings.
• Strong organizational skills and attention to detail.
• Effective verbal and written communication skills.
• Adapts to quick changes in pace or workload.
• Ability to work well independently, or as part of a team.

Responsibilities

• Audits loan files to ensure accuracy and complete checklists.
• Prepares loan documents for closing via electronic and paper systems.
• Ensures identity authentication for e-sign documents.
• Processes and disburses consumer loans and manages related tasks.
• Opens membership accounts per Credit Union policies and procedures.
• Communicates with members, associates, and dealerships daily.
• Performs duties in compliance with industry regulations and policies.
• Pursues training and certification to improve competency.

Skills

Attention to detail

Effective communication

Teamwork

Independent work

Adaptability

Time management

Education

High school diploma or equivalent education and experience

Job description

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Reports to: Consumer Loan Processing Manager

Status: Non-Exempt

Objective

The Consumer Loan Processor is responsible for providing the diligence required to complete the process for consumer loans.

Duties and Responsibilities

• Ensures accuracy for all consumer loans by auditing file, preparing loan checklists, ensuring system set-up is accurate, verifying all required information is collected for specific loan type, and meeting stipulations by reviewing attached documentation
• Prepares loan documents for closing via electronic system for e-sign documents, office documents and mailed documents
• Ensures identity authentication is properly requested and completed for e-sign documents
• Processes and disburses consumer loans by verifying signatures and required documents are complete and correct, archiving signed documents, mailing loan proceeds checks and member communication, process balance credit card limit increases and balance transfers, and disburses loan to core system
• Opens membership accounts and adheres to membership requirements based on the Credit Union's policies and procedures
• Assists with research and resolution of any consumer loan related issues
• Communicates with KEMBA associates, members, and dealerships as needed in day-to-day operations of the department
• Provides exceptional member care by having good time management skills and accurate execution of job duties
• Strives to meet all goals established for this position
• Performs all duties in a manner that is fully compliant with applicable industry regulations as well as KEMBA policy and procedures
• Develops an understanding of Credit Union history, philosophy, organization, policies, and operational procedures
• On a self-direct basis, continues to improve individual level of competency through training and certification on established educational programs
• Relates to others beyond giving and receiving instructions:
  • Communicates with coworkers or peers without exhibiting behavioral extremes
  • Performs work activities requiring negotiating, instructing, supervising, persuading, or speaking with others
  • Responds appropriately to feedback from a supervisor
• Performs other duties as required by management

Required Qualifications

• High school diploma or equivalent education and experience
• 1 Year related experience in a financial institution
• Knowledge of title work and lien filings
• Strong organizational skills and attention to detail
• Values a high degree of accuracy and speed
• Effective verbal and written communication skills
• Adapts to quick changes in pace or workload
• Ability to work well independently, or as part of a team

Physical Demands

The physical demands listed below represent those necessary to perform the essential functions of this role. Reasonable accommodation may be provided to enable individuals with disabilities to perform these functions.

The employee is regularly required to sit, use their hands, reach with arms, and communicate verbally and orally. Occasional standing, walking, and lifting of objects up to 25 pounds are required. Vision requirements include close, distance vision, and focus adjustment.