Consumer Lending Support Specialist, Bilingual Encouraged

Rio Grande Credit Union•Albuquerque, NM

About The Position

The Consumer Lending Support Specialist supports consumer lending operations across direct and indirect loan channels. The role funds loan requests, ensures loan documentation is complete, and works with dealership business offices to facilitate smooth transactions. It also assists consumer loan officers with processing direct loan applications, helping maintain accuracy, compliance, and efficiency. The position supports lending growth by maintaining relationships with local dealerships and credit union members, responding to dealership funding inquiries, and following up on missing documentation. It requires familiarity with consumer loan applications, title work, MMP and GAP policies, debt cancellation products, credit union policies and procedures, and applicable lending and compliance requirements. The specialist also supports member service, account maintenance, quality assurance, and related credit union projects. This position has no supervisory responsibilities.

Requirements

Six months to two years of related experience.
A two-year college degree or completion of a specialized course of study, or two years of related experience.
Ability to write reports, business correspondence, and procedure manuals, and to present information and respond to questions from managers, clients, members, and the public.
Ability to read and write in English.
Ability to calculate discounts, interest, amortizations, proportions, percentages, cash flow, net present values, and depreciation, and apply basic algebra and arithmetic.
Ability to solve practical problems involving a variety of concrete and flexible variables and interpret written, oral, diagrammatic, or scheduled instructions.
Working knowledge of Microsoft Office products.
Ability to meet the physical demands of the position, including regularly sitting and using hands, frequently reaching and communicating, and frequently lifting or moving up to 25 pounds.
Demonstrated adaptability, accountability for performance, adherence to policies and procedures, interpersonal skills, and attention to quality and accuracy.

Responsibilities

Support indirect lending and maintain positive relationships with local dealerships while contributing to loan growth.
Support direct lending and build financial relationships with members while contributing to loan growth.
Maintain knowledge of credit union products, policies, procedures, and operations; attend staff training and learn about new products.
Work cooperatively with coworkers and maintain professional relationships with dealer contacts and members.
Handle dealership calls about funding status and contact dealer finance departments to follow up on missing items.
Maintain knowledge of consumer loan applications, title work, MMP and GAP policies, and debt cancellation products.
Serve as a point of contact and subject matter resource for branch and department staff as needed, and support account-monitoring standards.
Meet individual quarterly goals outlined in the incentive plan and monthly scorecard.
Perform data entry and funding functions for direct and indirect consumer loans.
Prepare, obtain, and verify required lending documentation and other materials relevant to loan files.
Respond accurately to member requests and perform related account maintenance, including payroll deductions and EFTs when needed.
Troubleshoot or escalate complex issues to a supervisor, manager, or appropriate business owner, using independent judgment and decision-making.
Participate in credit union-wide projects and committees, and work with management to minimize quality-control, audit, and examination findings.
Follow credit union security procedures and promptly report irregularities.
Dispose of obsolete files according to retention schedules or legal requirements.
Update required CIP information in the core processor for prime and joint members and customers on accounts and transactions.
Provide caring, helpful, and proactive member service, offering solutions that make it easier to do business with the credit union.
Review loan applications for Red Flags under BSA and identity-theft procedures, and report suspicious activity to Risk Management through the compliance group email.
Perform other duties as assigned by department supervisors, managers, Senior Management, or the President/CEO.