Consumer Loan Processor

Job Description

Summary: Review and audit all approved secured and unsecured consumer loan requests (including credit cards) received from Member Engagement Specialists for compliance and adherence to Excel FCU loan policy and federal regulations. Prepare loan documents to send to a borrower for electronic signature. Disburse and process new loans on the system.

Essential Functions and Responsibilities: Pre-Funding Functions:

• Ensure accuracy of rate on all approved loans.

• Ensure accurate VIN, loan-to-value, and NADA Value for all auto, boat, motorcycle, and RV loans

• Ensure all required documents are received and underwriting conditions are met as per loan approval such as Verification of Income, buyers’ orders, Membership account, valid on file, insurance, payoff letter, vehicle registration, copy of the title, MV1 POA for titling, etc.

• Upload and send EDOCS for member’s electronic signature(s)

•Upon return of signed documents, disburse loan and mail/wire funds to the dealership or finance company

Post-Funding Functions:

•Review all disbursed loans and package them in order of the loan checklist and make sure all documents are imaged

•Set up all loan payments in the Teller Platform (PTOF/ACH)

• Assist with answering member loan and account questions

Other:

• Assist with ensuring Adverse Action letters are processed and sent to members

• Assist with ensuring approved Visa approval letters are sent to members and informing Card Services of new credit card accounts to process.

• Act as backup for Title Clerk

• Meet assigned deadlines

• Stay up to date regarding job knowledge and assigned training

• Contribute and support Excel FCU's mission, vision statements, and core values.

• Other duties as assigned.

Personal Requirements/Skills/Education

• High School Diploma or equivalent required.

• Minimum of 2 years' experience in consumer loan processing/documentation and/or origination is required.

• Proficient knowledge of MS Office programs including Outlook, Word, and Excel.

• Previous experience in keyboarding/PC and 10-key calculator.

• Ability to effectively and professionally communicate verbally and in writing with others

• Strong interpersonal skills required, including maintaining positive relationships and excellent customer service skills.

• Excellent Attention to detail skills

• Excellent organizational, follow up and time management kills

• Ability to work cohesively with others to meet assigned goals

• Ability to work independently with minimal supervision.

• Ability to adapt to changes and prioritize and manage competing demands.

• Ability to read, analyze, interpret data, and understand and communicate complex and diverse information.

• Ability to solve practical problems and deal with a variety of situations exercising flexibility and sound judgment in a fast-paced environment.

• Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

• Strong work ethic required, including the ability to complete duties on time, consistently arrive at work on time as scheduled, and ability to work flexible hours and overtime as needed.

• Must obtain a Georgia Notary Public license within 3 months of employment

***The ideal candidate must be available to attend and actively participate in community events, demonstrating our commitment to fostering strong local relationships Company Description

Excel Federal Credit Union is in its 72nd year of providing superior service to its members. We are based in Peachtree Corners, GA, and offer membership to those who live, work, worship, or attend school in the following Metro Atlanta counties: Fulton, Gwinnett, Hall, and Forsyth counties.

Full-time