Consumer Loan Funder

Family Trust FCU•Rock Hill, SC

About The Position

The Consumer Loan Funder is responsible for providing accurate and efficient analysis, funding, and booking of consumer loans. This includes the preparation of all loan documents processed through digital banking, phone, and branches. This role is also responsible for maintaining proper documentation as required on all loan files and records.

Requirements

Six months to two years of similar or related experience.
A high school education or GED.
Strong interpersonal, communication, and relationship-management skills, with the ability to exercise tact, diplomacy, and confidentiality in sensitive situations.
Ability to build rapport, influence outcomes, resolve conflicts, and maintain productive working relationships while representing the credit union in a professional manner.
Good working knowledge of credit union policies, procedures, products and services, loan underwriting and credit analysis, federal regulations, audit and security procedures, and our data processing system.
Strong analytical and decision-making skills.
Detail-oriented and able to maintain accuracy while working in a fast-paced environment.
Ability to work independent and as part of a team to meet deadlines.
Excellent written and verbal communication skills.
Exceptional member service skills.

Nice To Haves

Completion of internal lending class or Consumer Lending School is preferred.

Responsibilities

Effectively manage all relevant Consumer Loan Funder queues to keep applications worked and loans posted with minimal wait time to members.
Manage the applications submitted through the online and mobile channel.
Interact positively with members to finalize loan documents and book loan.
Review loan documentation and obtain signatures as required.
Properly prepare all loan documentation required for closing.
Verify all underwriting loan stipulations have been met prior to closing and transmit all documents.
Meet established loan funding time requirements.
Accurately disburse loan proceeds, including paying off applicable creditors.
Ensure loan documentation accuracy, including compliance with all laws, regulations, and credit union policies and procedures related to the applicable product.
Maintain knowledge of credit union consumer lending policies and procedures.
Generate and disburse adverse action forms, as applicable.
Maintain an audit error percentage at or below established standard.
Effectively communicate with loan originators, loan analysts, and other departments to ensure timely and accurate loan processing.
Provide excellent member service through daily transactions, member inquiries, and problem resolution.
Accurately enter loan maintenance after loan is funded when required.
Answer phone calls and/or video chat requests from members in a timely manner.
Review loan application for missed opportunities and match ancillary products and/or services to their needs.
Maintain open line of communication with teammates to ensure all detailed information is shared.
Back up Consumer Loan Originator as needed.
Perform other job-related duties as assigned.