Consumer Loan Processor (Indirect)

Jovia Financial Credit Union•Westbury, NY

14h•Hybrid

About The Position

Join our team and begin writing your next success story with us. If you’re looking for a place where culture and leadership matter, look no further. Whether you work here, bank here, or are just getting to know us — this is what it feels like to be part of Jovia. We are Jovia Financial Credit Union. Our name evokes joy, a feeling of optimism, trust, and “banking on the bright side”. We are a new kind of credit union, one that combines service and value with the convenience that today’s technologies allow. At Jovia, we have provided brighter banking for over 85 years, driven by values like innovation, convenience, and community. As a not-for-profit organization, we focus on what’s best for our members, not profits - Come see for yourself! Awarded as one of the best places to work, Jovia has more than $4 billion in assets, 240,000 members, and 500+ employees, we attract the best and the brightest talent-- who do the right thing and present a can-do spirit in a culture of fun, fulfilment, advancement, and development. Find your joy here, every day.

Requirements

An Associates’ Degree preferred
A minimum of 2 years’ experience in a lending environment is preferred.
Must have with the ability to multitask and adapt to change in our rapidly changing environment.
Must have an aptitude for figures, ability to ensure quality of work produced and willing to work flexible hours including late nights and Saturdays.
Professional appearance coupled with an enthusiastic, assertive personality.
Individual must be highly motivated and committed to quality member service.
Employee must meet and maintain all requirements as a registered mortgage loan originator employed by a Federally regulated Institution with the Nationwide Mortgage Licensing System and Registry (NMLS).
Internet speed of 100 mbps or higher required (you can test this by going to www.speedtest.net).
Able to dedicate a quiet space for daily work that is free of sound interruptions.

Responsibilities

Present a professional attitude and see that with each member contact the member’s needs were satisfied to the best of your ability. Thank the member for giving us the opportunity to serve their financial needs.
Well versed in all lending related software packages that will enable you to perform your job functions effectively and efficiently. Responsibilities within these systems include but are not limited to printing and mailing approval and declination letters to members within the timeframes required by compliance, reviewing error reports relating to Credit Card processing and utilizing the technology involved in the process to fund indirect loans and leases multiple times throughout the day.
Concentrate efforts to achieve both individual and organizational goals as set by Management and the Board of Directors.
Maximize opportunities to cross-sell and up-sell lending and savings products and services including Member Financial Services and credit insurance offered through CUNA Mutual Group, all part of our commitment to building relationships.
Underwrite consumer loan applications regardless of the source and render a level 1 credit decision within the designated timeframes. The Levels of Approval Authority as noted in the Consumer Loan Policy will determine to what extent you can approve consumer loans. It is your responsibility to become well versed in the specific guidelines relating to approval authorities and adhere to them without exception. A good amount of creativity and latitude is required in this position. Document information gathered about specific requests, scenarios or concerns in the applicable notes, processing or conversation log of an application as appropriate.
Support the branch network, Call Center, internet and Indirect Lending channels (Groovecar and dealerships directly) by answering any and all questions relating to lending policies and procedures. Your assistance will extend to member questions and/or problems all part of member service.
Assist in all phases of work associated with the Lending Department.
Consistently monitoring the pipeline of approved product and seeing the approved loans and lines of credit through to disbursement as often as possible.
Possess the ability to pull loans applications from the Internet, telephone and any other avenues through which we receive applications.

Benefits

Competitive compensation with paid training
Engaged Managers who value your input, are transparent, and provide coaching for your success
Professional Development with growth opportunities and a supportive learning environment
A friendly, inviting work culture filled with social activities that inspire creativity and collaboration
Retirement Benefits, featuring a 401(k) with a generous match plus a defined pension plan
Comprehensive benefits including Medical, Dental, and Vision coverage
Employee Activity Groups that foster a sense of belonging and teamwork
Tuition Reimbursement and School Loan Repayment plans for Full-Time employees
Gym Reimbursement and Employee Wellness time off to support your health and wellness
Flexible PTO options that include vacation payout and sick time incentive payouts
Discounts on Employee Loans to help you create financial success
Supplemental Benefits such as Pet Insurance, Legal plan, and AFLAC plans
A CEO with brilliant vision and aspiration