Lending Support Specialist

Redstone Federal Credit Union•Huntsville, AL

About The Position

The Lending Support Specialist conducts high-quality, in-depth reviews of Credit Union loan documentation, related data, and system inputs to ensure compliance with applicable policies, procedures, regulatory requirements, and federal and state laws. The role reviews consumer, residential real estate, and business lending files for accuracy, completeness, and regulatory compliance across products including HELOCs, vehicle loans, credit cards, secured and unsecured loans, commercial real estate loans, lines of credit, SBA loans, direct and indirect commercial loans, and construction loans. The specialist also assists with system testing, research, process improvements, and procedural updates to support operational efficiency and loan quality. The position serves as the Credit Union’s subject matter resource for HMDA compliance, overseeing HMDA data collection, validation, and reporting. It analyzes loan applications and related documentation for appropriate HMDA coding, conducts quarterly reviews of reportable files, and prepares the annual HMDA submission. The specialist collaborates with business partners across the organization to develop and maintain HMDA and lending compliance controls and ensure adherence to relevant consumer, residential real estate, and commercial lending regulations. The role prepares and tracks written audit issues through an automated issue-tracking system, responds to inquiries, provides feedback to employees to help minimize future errors, and maintains records and reports. It stays current on applicable state, federal, and NCUA laws and regulations and Fannie Mae guidelines. The employee is expected to provide professional, friendly service; safeguard confidential member information; follow security procedures and Credit Union policies; complete required compliance training; and work scheduled hours punctually. Other related duties may be assigned.

Requirements

High school diploma or GED.
At least 2 years of lending experience.
Ability to apply internal and external customer-service practices and processes to meet service standards and support member satisfaction.
Ability to learn and apply information about Credit Union products, services, and regulatory compliance requirements to assess situations and develop solutions.
Ability to resolve internal customer problems using knowledge and experience.
Professional communication skills, including clearly conveying information, active listening, and using tact and diplomacy in sensitive or confidential situations.
Correct use of English, including spelling, grammar, and punctuation.
Ability to operate computers, business software, and standard office equipment.
Ability to understand and follow written and oral instructions.
Ability to set priorities and manage time effectively.
Ability to meet the physical demands of intermittent standing, sitting, walking, bending, and climbing; repetitive hand use; reaching; and intermittent lifting and carrying of up to 25 pounds.

Nice To Haves

At least 1 year of experience with Hyland OnBase, Meridianlink, nCino, LaserPro, Sageworks, and/or CORE.
An equivalent combination of education and experience may be considered.

Responsibilities

Audit documentation and data input for consumer, business, and real estate loan products for accuracy and compliance with policies, procedures, regulatory requirements, and federal and state laws.
Prepare and track written issues identified during audits through an automated issue-tracking system.
Respond to inquiries and provide employee feedback to help reduce future errors.
Prepare and maintain records and reports.
Stay current on applicable state, federal, and NCUA laws and regulations and Fannie Mae guidelines.
Collect and validate HMDA data and analyze loan applications and related documentation to ensure appropriate HMDA coding.
Conduct quarterly reviews of HMDA-reportable files and complete the annual HMDA submission, working across departments and systems as needed.
Ensure compliance with Credit Union policies and procedures relating to loan products.
Assist with system testing and research related to lending issues and efficiencies.
Provide friendly, professional service to internal and external members and follow Credit Union values and the Code of Ethics.
Follow physical and online security procedures and maintain strict confidentiality of member information.
Complete required regulatory and compliance training, maintain knowledge of Credit Union products and services, and work scheduled hours punctually.
Perform other related duties as assigned or requested.