Consumer Lending Support Specialist, Bilingual Encouraged

Rio Grande Credit Union•Albuquerque, NM

About The Position

The Consumer Lending Support Specialist works in the Consumer Lending department and reports to the Consumer Lending Assistant Manager. The role funds loan requests through direct and indirect lending channels, ensures loan documentation is complete, and coordinates with dealer business offices. It also supports consumer loan officers with processing direct loan applications, maintaining accuracy, compliance, and efficiency across consumer lending operations. The specialist builds and maintains professional relationships with dealerships and members, responds to funding inquiries, follows up on missing documentation, and supports loan growth. The position also performs loan data entry and funding, verifies and obtains documentation, maintains account information, and helps ensure compliance with lending policies and applicable procedures. It provides member-focused service, handles requests accurately, and escalates complex issues when appropriate. This position has no supervisory responsibilities. Work is performed primarily at a computer and desk in a moderate-noise environment. The employee regularly sits and uses their hands, frequently reaches and communicates, and must frequently lift or move up to 25 pounds.

Requirements

Six months to two years of related experience.
A two-year college degree, 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 concrete and flexible variables and interpret written, oral, diagrammatic, or schedule-based instructions.
Working knowledge of Microsoft Office products.
Ability to perform the essential duties satisfactorily, including the listed competencies in performance management, adaptability, organizational support for loans, interpersonal skills, and quality management.
Ability to meet the physical demands of the job, with reasonable accommodation when needed.

Responsibilities

Fund consumer loan requests received through direct and indirect lending channels.
Ensure loan documentation is complete and coordinate with dealer business offices.
Assist consumer loan officers with processing direct loan applications.
Support indirect lending and maintain relationships with local dealerships while supporting loan growth.
Support direct lending and develop financial relationships with members while supporting loan growth.
Learn about credit union products and stay informed of staff training, policies, and procedures.
Maintain positive, professional relationships with dealer contacts and promote the credit union and its Dealer Finance Program.
Handle dealership calls about funding status and follow up with dealer finance departments for 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 set out in the incentive plan and monthly scorecard.
Maintain knowledge of regulations, procedures, and compliance related to member services and lending, including BSA, Red Flags, UDAAP, lending policies, and lending matrices.
Perform data entry and loan funding for direct and indirect consumer lending.
Prepare, obtain, and verify required product and service documentation and other documents relevant to lending files.
Respond accurately to member requests on the first attempt.
Maintain account information related to member services, including payroll deductions and EFTs when necessary.
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.
Work with management to minimize findings from quality control reviews, audits, and examinations.
Follow credit union security procedures and promptly report irregularities to a supervisor or manager.
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 across accounts and transactions.
Provide caring, helpful, proactive, and member-focused service and offer solutions that make it easier to do business with the credit union.
Review loan applications for Red Flags under BSA and identity-theft procedures.
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.