Consumer Lending Operations Specialist

Wellby Financial•Hercules, TX

18h

About The Position

The Consumer Lending Operations Specialist prepares, reviews, funds, and completes consumer loan transactions. The role focuses on pre-funding quality assurance and post-funding tasks, verifying that critical loan documents are complete before funding and coordinating submission and completion of post-funding documentation with other departments. The specialist serves as a primary liaison throughout the loan lifecycle, coordinating with stakeholders, retail partners, dealers, members, Underwriting, and Retail to support accurate documentation, compliance, timely closings, and successful funding. The position also processes indirect auto loans, dealer payments, vehicle titles and registrations, and lien-perfection documentation. It supports member communication and service, maintains records in lending systems, provides procedural guidance, and contributes to process improvements, projects, testing, documentation, and training. The role follows organizational policies and applicable federal and state requirements. Work is reviewed periodically for accuracy, completion, and compliance; non-routine matters are generally referred to a supervisor. This is a full-time, hourly, non-exempt role with occasional Saturday work on a rotational basis.

Requirements

High school diploma or equivalent.
At least one to two years of experience in lending or banking-related roles.
Must be bondable.
Knowledge of organizational functions and general operating policies and procedures.
Knowledge of general office practices, business English, spelling, and punctuation.
Knowledge of personal computers, Microsoft Office Suite, and other software.
Knowledge of consumer lending regulations.
Knowledge of Home Equity, Home Equity Line of Credit, Consumer Line of Credit, and Consumer Closed-End loans.
Skill in operating computer equipment and general office machines, including computers, copiers, projection equipment, audio/video equipment, Microsoft Teams, Zoom, and adding devices.
Ability to manage workload and complete departmental responsibilities on time.
Ability to analyze and apply regulatory requirements affecting credit union operations.
Ability to communicate information and ideas clearly and exchange accurate information.
Ability to work in a fast-paced team environment and provide exceptional member service.
Ability to communicate clearly and concisely, orally and in writing.

Nice To Haves

Credit union or retail banking experience.

Responsibilities

Exhibit Wellby Core Values and contribute to a positive team-member experience.
Serve as the primary liaison from approval through the full loan lifecycle for stakeholders, retail partners, dealers, and members.
Drive timely closings by resolving escalations, mitigating risk, coordinating documentation, and managing operational communications.
Partner with Underwriting and Retail to support lending operations, proper booking, and consumer loan funding.
Handle incoming inquiries courteously and professionally, communicate with members, obtain required documents, send loan documents, answer questions, and provide member service.
Refer matters beyond the role’s authority to management with recommendations for resolution.
Coordinate loan-closing activities with cross-functional stakeholders to ensure accurate documentation, compliance, operational readiness, and timely funding.
Conduct pre-funding quality assurance audits for consumer real estate and non-real-estate loan documentation.
Disburse and advance consumer real estate and non-real-estate loan proceeds.
Print loan documents and prepare payoff checks in accordance with loan agreements.
Ensure post-funding items, such as proof of insurance, ACH forms, dealer drafting instructions, and balance transfers, are completed and submitted to appropriate departments.
File UCC-1 financing statements to support lien perfection and regulatory compliance.
Maintain accurate loan-processing system records, including status updates and communication logs.
Ensure compliance with applicable policies, procedures, and regulatory guidelines.
Review incoming indirect auto loan contracts from dealers and refinance vendors for accuracy and completeness.
Validate purchase agreements, income documentation, and identification for compliance and accuracy.
Assemble and finalize indirect loan packages for funding and disbursement.
Coordinate dealer draft payments, validate title perfection, and issue payment only upon lien perfection.
Interact with dealerships to clarify decisions, resolve issues, collect documentation, and respond to funding inquiries.
Use sound judgment when onboarding dealerships to the approved network.
Process vehicle titles, registrations, and plates according to state guidelines.
Obtain, complete, and process title documentation for lien perfection.
Conduct title investigations, locate titles, coordinate with appropriate parties, and prepare documentation for missing titles.
Assist in originating deposit relationships by establishing required primary savings accounts for new members.
Make welcome calls to verify member and loan information against system records.
Sort, log, and distribute daily applications across the team to support pipeline efficiency.
Identify departmental needs and recommend process improvements or training initiatives.
Complete loan-related projects, system testing, internal documentation and WIKI updates, and training assignments as directed.
Provide procedural guidance and process clarification to branch and department staff and respond to their inquiries.
Perform other related duties as assigned.