Senior Loan Processor

First Investors Financial Services, Inc.; Houston (TX); Hybrid; USD 45,000 - 65,000; Full time

Job summary

First Investors Financial Services, Inc. is seeking a Senior Auto Loan Processor/Funding Specialist in Houston, TX. You will ensure the accuracy of retail and small business auto loan contracts while supporting management in loan processing activities. Candidates must have a high school diploma, at least 2 years of experience in auto finance, and strong analytical and communication skills. This hybrid role requires attention to detail and multitasking abilities to succeed.

Qualifications

• Minimum 2 years’ experience in auto finance as a Loan Processor.
• Ability to perform essential duties satisfactorily.

Responsibilities

• Verify and process auto loan contract packages for accuracy and compliance.
• Support loan processing managers with complex loan files and escalated calls.
• Follow up on non-compliant funding issues via Dealer Chat and email.

Skills

Knowledge of loan processing procedures

Attention to detail

Analytical reasoning

Verbal and written communication skills

Interpersonal skills

Planning and problem-solving skills

Microsoft Office Suite proficiency

Multitasking abilities

Fast-paced work efficiency

Education

High school diploma or GED

Job description

Position Summary

As a Senior Auto Loan Processor/ Funding Specialist, you will be responsible for thoroughly verifying and processing retail and small business auto loan contract packages to ensure each file is accurate, complete, and complies with current regulations and policies before funding. Additionally, you will support loan processing managers with pipeline management, handling complex loan files, responding to escalated calls, and quality file reviews as needed.

Essential Duties and Responsibilities

• Review Retail Installment Contract and support contract documents to ensure conformity with Stellantis Financial Services (SFS) policies and ensure they are submitted accurately.
• Ensure contracts submitted for funding are complete, accurate, and reflect proper approval authorities, specifically Truth‑In‑Lending and fee disclosures, and ensure the accurate calculation and correct disclosure of federal‑mandated fees.
• Closely inspects loan package documentation for suspicious or fraudulent documentation.
• Entrusted with advanced system access to perform overrides and approvals beyond standard user scope, due to extensive experience and proven decision‑making capabilities.
• Support OCR/AI technology to assist with document verification and automated funding.
• Performs financial calculations such as income, payoffs, rebates, and cancellation quotes, verification of employment, vehicle registration, driver’s license, residence, phone, and insurance coverage.
• Conducts various customer interviews to validate information contained in the loan documents.
• Follow up with Dealership, Dealer Relationship Manager, Sales Team, and other internal partners to resolve all non‑compliant funding issues and contract and/or documentation deficiencies, via Dealer Chat, email, and Outbound Calls.
• Inform Credit, Fraud Prevention, or Loan Processing Management teams of discrepancies in the contract package or verification of information and notate the file.
• Required to operate within multi‑system environments, leveraging dual/multi‑monitor configurations for enhanced efficiency.
• Maintain confidentiality when accessing personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.
• Perform other ad‑hoc tasks and duties as assigned.

Qualifications and Competencies Required

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Required Experienc

• Minimum 2 years’ experience in auto finance as a Loan Processor, or a similar position.

Education

• High school diploma or GED required.

Skills Required

• Ability to obtain knowledge of loan processing procedures, regulations, and guidelines.
• Strong attention to detail and sound judgment skills.
• Strong analytical reasoning abilities.
• Excellent verbal, reasoning, and written communication skills.
• Strong interpersonal skills and business acumen.
• Excellent planning, leading, and problem‑solving skills
• Proficient in using Microsoft Office Suite.
• Ability to multitask and prioritize multiple files effectively and efficiently.
• Ability to work efficiently in a fast‑paced environment.

Additional Requireme

• Overtime required – required on an as‑needed basis.
• Travel 0‑10% - as required on an as‑needed basis.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Dallas, TX; Houston, TX; Phoenix, AZ.

Physical Demands

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. Required to use a headset and/or telephone for calls. The employee is occasionally required to stand, walk, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Work Environment

The work environment characteristics described here are representative of those employee encounters while performing the essential functions of this job. Reasonable Accommodation may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Work Schedule

This position is a hybrid role, requiring an in‑office presence based on business needs or to align with company requirements. The role also requires flexibility to work various shifts to meet business needs, which may include evening hours, holidays, and weekends. Travel requirements are estimated at 0‑10%.

An applicant must be authorized to work in the United States to be eligible for this position. Stellantis Financial Services, Inc. will not sponsor applicants for work visas of any type for this position.

Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees with an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay, and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.