Lending Support Specialist

Redstone Federal Credit Union; United States; Hybrid; USD 70,000 - 95,000; Full time

Benefits offered by this job

Remote work option

Job summary

Redstone Federal Credit Union is seeking a detail-oriented Lending Compliance Auditor to conduct high-quality reviews of loan documentation and data, ensuring compliance with all applicable policies, procedures, and federal/state laws. This role also oversees HMDA data collection, validation, and reporting across consumer, residential real estate, and business lending portfolios.

Key responsibilities include performing quality audits, maintaining records, and staying current with state and

Qualifications

• High School or GED is required.
• 2 Years - Lending Experience - Required.
• 1 Year - Experience with Hyland OnBase, Meridianlink, nCino, LaserPro, Sageworks and/or CORE - Preferred.

Responsibilities

• Performs quality audits of documentation and data input to ensure compliance with policies and laws.
• Prepares and tracks written issues for errors found during auditing.
• Maintains various records and reports.
• Stays updated on State, Federal and NCUA rules and Fannie Mae guidelines.
• Responsible for HMDA data collection and validation; analyzes loan applications for HMDA coding.
• Conducts HMDA quarterly file reviews and annual submissions, coordinating with multiple departments.

Skills

Quality audits

Regulatory compliance

HMDA compliance

Data analysis

Customer service

Written communication

Education

High School or GED

Tools

Hyland OnBase

Meridianlink

nCino

LaserPro

Sageworks

CORE

Job description

Job Description Summary

Responsible for conducting high-quality, in-depth reviews of Credit Union loan documentation, related data, and system inputs to ensure compliance with all applicable policies, procedures, regulatory requirements, and federal and state laws. Reviews loan files for accuracy, completeness, and regulatory compliance across the Credit Union’s consumer, residential real estate, and business lending portfolios, including but not limited to HELOCs, vehicle loans, credit cards, secured and unsecured loans, commercial real estate loans, lines of credit, SBA loans, direct and indirect commercial loans, and construction loans. Assists with system testing, process improvements, and procedural updates to enhance operational efficiency and loan quality across all lending products.

Serves as the Credit Union’s subject matter resource for HMDA compliance, overseeing HMDA data collection, validation, and reporting activities. Collaborates with business partners throughout the organization to develop and maintain effective HMDA and lending compliance controls, ensuring adherence to applicable consumer, residential real estate, and commercial lending regulations.

Job Description

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Performs quality audits of documentation and data input on the Credit Union’s consumer products, business products, and real estate loan products to ensure they are performed in accordance with all applicable policies, procedures, regulatory requirements, and federal and state laws.
• Prepares and tracks written issues, for errors found during the auditing process, via automated issue tracking system. Responds to inquiries and provides feedback to employees to minimize future errors.
• Prepares and maintains a variety of records and reports.
• Stays abreast of all applicable State, Federal and NCUA laws and regulations and Fannie Mae guidelines.
• Responsible for HMDA data collection and validation; analyzes and interprets loan applications and related documentation to ensure appropriate HMDA coding.
• Conducts HMDA reportable quarterly file reviews and annual HMDA submission; works across multiple Credit Union departments and systems to ensure compliance and adherence to regulatory requirements.
• Ensures compliance with applicable Credit Union policies and procedures relating to loan products.
• Assists with system testing and research with lending issues and efficiencies.

Company Wide Expectations

• Maintains a professional image and demeanor at all times, consistently demonstrating Credit Union RISE Values and adhering to the Code of Ethics.
• Delivers friendly, caring service to internal and external members.
• Complies with all applicable State, Federal and NCUA rules and regulations and all Credit Union policies and procedures.
• Follow all physical and online security procedures and maintain strict confidentiality of all member information.
• Completes all required regulatory and compliance training and maintains required knowledge of Credit Union products and services.
• Works scheduled hours and maintains punctuality.
• Performs other related duties as assigned or requested.

EDUCATION/EXPERIENCE

Minimum Qualifications

To perform this job satisfactorily, an employee must be able to carry out each essential duty competently. The requirements listed below are representative of the education, experience, skills and abilities required.

An equivalent combination of education and experience may be considered.

Education Requirements

High School or GED - Required

Experience Requirements

2 Years - Lending Experience - Required

1 Year - Experience with Hyland OnBase, Meridianlink, nCino, LaserPro, Sageworks and/or CORE - Preferred

SKILLS/ABILITIES

• Effectively apply internal and external customer service practices and processes to meet quality service standards and achieve member satisfaction.
• Learn and apply information, on a wide range of Credit Union products, services and regulatory compliance requirements, in order to assess member situations and develop solutions.
• Resolve internal customer problems utilizing knowledge and experience.
• Communicate in a professional manner and deliver information clearly and effectively. Actively listen to questions, opinions and ideas of others. Use tact and diplomacy in sensitive and confidential situations.
• Use correct English including spelling, grammar and punctuation.
• Operate computers and use business software and other standard office equipment.
• Understand and follow written and oral instructions.
• Set priorities and manage one’s own time effectively.

PHYSICAL DEMANDS

Physical Demands Disclaimer

The physical demands described here are representative of those that must be met by employees to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Physical Requirements

• Intermittent standing, sitting, walking, bending and climbing.
• Using hands repetitively to handle, feel or operate computers and other standard office equipment.
• Reaching with hands and arms.
• Intermittent lifting and carrying up to 25 pounds.

WORK ENVIRONMENT

Work Environment Disclaimer

An employee in this job will experience the following main work environments, others not listed may also be encountered on occasion;

Work Environment

• Works in a general office environment.
• Remote work environment considered.

Redstone Federal Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status or status as an individual with disability. All qualified applicants will not be discriminated against on the basis of disability.

We are proud to be a Drug-Free and Tobacco Free Workplace.