Lending Support Representative

Job Descriptions:

Mission:

In the Senate Community tradition of service, we strive to improve the financial wellness of our members throughout all stages of life by integrating sustainability and security into every financial solution.

Culture Competencies: S.T.R.I.V.E

• Maintains our members’ and employees’ trust by safeguarding their financial data and information.

• Values and respects everyone’s abilities, opinions, and feedback to achieve trust, safety, and well-being in a friendly, welcoming, and cooperative environment. Actively devoted to our motto of 'better together'.

• Is honest, professional, authentic, and genuine in creating relationships that are uncompromising and true to ethical principles.

• Generates new ideas, supports change, provides new efficient solutions, and solves problems creatively while balancing risk.

General Summary

Under general supervision, but in accordance with policies, practices, and procedures, analyzes account and loan problems and determines root causes to ensure proper file maintenance of accounts. Under general supervision, but in accordance with established policies and procedures, is responsible for working with members and loan staff regarding post loan issues. Monitors several lending specific reports to assist the Credit Union in mitigating its risk and regulatory compliance. Provides professional internal customer service and support to other departments.

Major Duties & Responsibilities

• Ensures timely response to member research requests pertaining to areas of responsibility. Provides member assistance in problem areas of account maintenance, interest and payoff calculations and statement problems. Maintains related records and summaries of research on these accounts on the Support Magic ticket format.

• Assist teammates with automobile title issues to include filing liens, monitoring receipt of titles for recently issued loans, and releasing liens. Reviews list of paid auto loans and releases automobile titles when appropriate. Tracks/research title exceptions. Works with members, dealers, and appropriate governmental agencies to obtain missing titles.

• Assist with managing the unperfected title report with third party vender to mitigate exposure of the CU’s collateral.

• Monitors monthly reports on flood insurance policies and missing real estate liens.

• Processes all Gap and auto warranty claims from the membership.

• Provides professional internal customer service and support for other departments by handing request via the JIRA ticketing system, answering questions and providing information regarding the resolution of title issues or other documentation requests. Demonstrates professionalism in discussing sensitive financial situations.

• Processes return check payments on loans for the accounting department.

• Loan adjustment/modifications (changing of due date, moving loans from account to account, refunding of interest credit, etc.)f

• Reviews and maintains weekly and monthly loan related reports to mitigate risk and regulatory compliance.

• Interact with title companies, law offices etc. for the payoff and release of real estate liens. Prepares certificates of satisfaction and other documents as necessary.

• Provides professional internal customer service and support to other departments by answering questions and assisting co-workers regarding the resolution of member service issues.

• Provides scanning of the Lending department files and documents (recorded deeds and lien release, etc.).

• Works with CUMA and Midwest to make sure all final first mortgage packets are assembled and uploaded properly with the correct closing documents.

• Assists the Collections Department in doing monthly charge-offs, payoffs, loan adjustments and any locating any loan documents requested.

• Assist with the filed and boxed archived work and the tracking log.

• Composes of the archived pending report that keeps track of all new close ended loans with insurance and new open-end loans.

• Complies with all applicable Rules, Regulations and Statutes of the NCUA and other appropriate governing bodies to include but not limited to: The Credit Union Bylaws, Bank Secrecy Act, Fair Housing Act, Fair Lending Act, and Fair Credit Reporting.

Non-essential Duties & Responsibilities

• Performs other duties as assigned.

Required Experience:

Education: High school diploma/equivalent required. Bachelor’s degree preferred.

Experience: Two (2) years relevant experience required. One (1) year of lending or loan auditing experience is preferred.

Skills: Excellent math skills and familiarity with basic accounting principles required. Proficiency with PC applications such as Word and Excel required.

Communication: Excellent verbal and written communication skills required.

Location: This position is located at headquarters in Alexandria, VA.

Supervisory: None Required.

Salary: Metropolitan Area (DC, MD, VA) $54,481.13 - $81,721.69

Benefits: Health Insurance including Medical, Dental, Prescription, Vision, 401(k) Retirement Plan, Incentive bonus, 12 Holidays, 15 Vacation days, 9.75 Sick days, Flexible Spending Account, Life Insurance, Free parking or Metro Smart Benefits and Tuition reimbursement

Time in Service: None Required.

Successful candidates will be evaluated and leveled based on previous experience.

Equal Opportunity Employer/Veterans/Disabled

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws.

Keyword: Lending Support Representative, Titles

From: United States Senate Federal Credit Union