Loan Processor

Energy Capital Credit Union; Houston (TX); On-site; USD 32,000 - 43,000; Full time

Benefits offered by this job

Health insurance

Paid time off

Incentive opportunities

Retirement plan

STD/LTD/Life insurance

Professional development

Wellness benefit

Stay Pay

Job summary

Energy Capital Credit Union in Houston, TX seeks a Loan Processor to support consumer lending from application to funding. You will review documents, prepare loan packages, and coordinate with consultants, underwriters, and dealerships to ensure accurate processing and timely funding.

This role emphasizes regulatory compliance (BSA/OFAC) and detailed recordkeeping, with a focus on delivering excellent service to members and internal teams.

Qualifications

• High school diploma or GED required.
• Strong attention to detail and documentation accuracy.
• Ability to follow policies, procedures, and regulatory requirements.
• Friendly, professional communication and service mindset.
• Reliable with consistent attendance.

Responsibilities

• Process and fund direct and indirect consumer loan applications from application through completion.
• Review member information and documentation for accuracy and completeness.
• Prepare loan documents and perform quality-control reviews before funding.
• Coordinate with Loan Consultants, Underwriters, members, and dealerships to gather documentation and provide updates.
• Ensure loans meet credit union policies and funding requirements.
• Process and fund Premier Check loans and review dealer drafts.
• Administer GAP claims by coordinating with members, dealerships, insurers, and third parties.
• Track documentation and follow up to ensure timely resolution of claims.
• Maintain records throughout lending and claims processes.
• Monitor title work and lien perfection; prepare lending reports for management.

Skills

Attention to detail

Customer service

Communication skills

Team player

Time management

Organizational skills

Reliability

Education

High school diploma or GED

Job description

Join our team as a Loan Processor ($18.00/hour)

As a Consumer Loan Support Specialist, you’ll play an important role in helping our members successfully navigate the consumer lending process. You’ll provide administrative and loan-processing support from application through funding, ensuring documents are accurate, requirements are met, and loans are processed efficiently.

You’ll work closely with Loan Consultants, Underwriters, members, dealerships, and other partners, serving as a knowledgeable and responsive point of contact throughout the lending process. Your attention to detail, organization, and commitment to exceptional service will help create a smooth experience for both our members and internal teams.

This role also helps protect our organization and members by ensuring lending activities follow applicable regulations, policies, and procedures, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

What You’ll Do

Support the Consumer Lending Process

• Process and fund direct and indirect consumer loan applications from application through completion.
• Review member-provided information and documentation for accuracy and completeness.
• Prepare loan documents and complete quality-control reviews before funding.
• Work with Loan Consultants, Underwriters, members, and dealerships to gather documentation, provide status updates, and resolve processing questions.
• Help ensure loans meet credit union policies, procedures, and funding requirements.

Manage Specialized Lending Services

• Process and fund Premier Check loans and review and approve dealer drafts.
• Administer GAP claims by coordinating with members, dealerships, insurance carriers, and third-party providers.
• Track documentation and follow up as needed to help ensure claims are resolved accurately and promptly.
• Maintain complete and accurate records throughout the lending and claims process.

Protect Collateral & Maintain Accurate Records

• Monitor title work and lien perfection reports to help ensure collateral liens are properly secured within established timeframes.
• Monitor related general ledger accounts and address discrepancies as needed.
• Prepare lending reports for management and committee review.
• Maintain accurate records while following applicable compliance and regulatory requirements.

Provide Ongoing Loan Support

• Monitor and manage lending helpdesk requests and respond to loan-processing questions.
• Complete loan maintenance activities such as skip payments, due-date changes, and other account servicing requests.
• Identify and elevate issues when additional assistance is needed.
• Provide timely, professional support to both internal and external members.

What We’re Looking For

You don’t need to have every skill listed below to be successful. We’re looking for someone who is dependable, detail-oriented, service-minded, and enjoys working as part of a team.

• High school diploma or GED.
• Strong attention to detail and the ability to manage documentation accurately.
• Ability to follow established policies, procedures, and regulatory requirements.
• Friendly, professional communication skills and a commitment to providing excellent service.
• Reliable, punctual, and consistent attendance.
• Strong organizational skills and the ability to manage multiple priorities.
• A collaborative, team-focused approach and a willingness to support organizational goals.
• Commitment to our culture and high standards of internal and external service.

Why You’ll Love Working Here

We believe our employees deserve the same level of care and support that we provide to our members. Our benefits include:

• Health, dental, and vision insurance
• Paid time off
• Incentive opportunities
• Retirement plan
• Company-paid short-term disability (STD), long-term disability (LTD), and life insurance
• Professional development opportunities
• Wellness benefit with tax savings
• Stay Pay

Equal Opportunity Employer

We are an equal opportunity employer. All applicants will be considered for employment without regard to race, color, religion, sex, sexual orientation