Lending System Specialist

Wellby Financial•Webster, TX

About The Position

The Lending System Specialist supports the lending division’s system maintenance, project deliverables, and AI/ML tools. The role uses system aptitude, attention to detail, and accuracy to produce high-quality system testing, validation, and documentation, helping meet key performance indicators and improve efficiency. The specialist supports core and ancillary lending systems across Consumer, Indirect, Mortgage, Collections, and Loan Servicing operations, and helps ensure processes and systems align with policies, regulations, and organizational goals. This position follows established procedures, works on routine tasks without close supervisory direction, and uses independent judgment. Work is periodically reviewed for accuracy, completion, and compliance. The role has no supervisory responsibilities and is full-time, salaried, and exempt.

Requirements

Bachelor’s degree in finance, business, economics, information systems, or a related field; one year of required education may be substituted for one year of experience.
At least three years of experience in lending operations, lending systems, loan servicing, or a related area within a financial institution, subject to the education substitution described above.
Experience with Microsoft Office suite products.
Experience with lending compliance and regulations.
Knowledge of lending regulations and compliance requirements, including TILA/TIL, TRID, HMDA, ECOA, MLA, and FDCPA.
Knowledge of consumer, indirect, mortgage, collections, and loan servicing processes.
Strong communication, problem-solving, work standards, administrative, and analytical skills.
Ability to troubleshoot system issues and resolve testing or reporting discrepancies.
Ability to support audits, examinations, and compliance reviews through accurate documentation and research.
Ability to interpret and apply lending regulations, policies, and procedures.
Ability to communicate clearly and concisely orally and in writing, follow instructions, work without close supervision, and maintain effective working relationships.
Ability to coordinate several concurrent activities and exercise independent judgment.
Bondable.

Responsibilities

Develop and execute test scripts and perform system testing and validation for lending systems, enhancements, product updates, and conversions.
Coordinate testing activities for lending projects and initiatives, document results, and work with project teams to complete requirements and deliverables accurately and on time.
Test preapproval campaigns and communicate results to internal stakeholders.
Create, maintain, and distribute exception reports monitoring system functionality, process performance, compliance findings, and product support issues.
Monitor regulatory and compliance requirements affecting lending systems and processes.
Assist with testing, implementation support, and maintenance of automation, AI, and machine learning tools.
Observe operational processes and identify opportunities for process improvement, documentation enhancement, and workflow optimization.
Develop and maintain departmental procedures, job aids, and process documentation.
Support internal and external audits by gathering documentation, assisting with system updates, and recording findings and corrective actions.
Maintain lending optimization logs, reports, and tracking tools related to system changes, outages, operational issues, and vendor support.
Review internal and member-facing documentation, including procedures, intranet content, and website information, for accuracy and consistency.
Assist in maintaining Business Continuity Planning documentation for the lending division.
Participate in user acceptance testing, defect tracking, and issue resolution for system implementations and enhancements.
Escalate system issues, process concerns, and potential compliance risks to leadership.
Perform other duties as assigned.