Specialty Lending Associate

First Harvest Credit Union•Deptford Township, NJ

1d•Onsite

About The Position

The Specialty Lending Associate plays a key role in supporting the loan and consumer deposit account origination and processing teams by handling essential pre-loan, post-loan, and account opening administrative tasks. This includes acting in a capacity similar to a title clerk; gathering critical documentation and data; verifying asset ownership and member identity; and retrieving files required for loan underwriting, deposit account setup, compliance, and closing. This position ensures the accuracy, completeness, and regulatory compliance of loan and consumer deposit account packages and helps streamline specialty lending and virtual channel operations.

Requirements

Employees are required to use the Microsoft Authenticator app on their personal cell phone to securely authenticate Outlook and other company systems; the app does not access personal data that exists on the mobile device.
High School Diploma or GED required
2+ years of experience in loan processing, account opening, title work, or related administrative role
Strong organizational and time management skills
Attention to detail with the ability to manage multiple priorities
Excellent written and verbal communication skills
Basic knowledge of deposit accounts and loan types
Good communication and people skills
Comfortable using computers and software like Microsoft Office and email
Detail-oriented and organized

Nice To Haves

Associate's degree preferred
Experience working with title agencies or in a dealership finance department
Knowledge of UCC filings, lien perfection, and title laws across multiple states

Responsibilities

Review and verify title documents for accuracy and completeness.
Coordinate with title companies, DMV offices, or other relevant agencies to obtain title information.
Identify and resolve title discrepancies or issues.
Ensure proper documentation for vehicle liens, ownership transfers, or payoff information.
Collect borrower financial information and supporting documentation (e.g., bank statements, income verification, asset statements).
Obtain third-party reports such as appraisals, credit reports, UCC filings, and insurance certificates.
Enter and update member and loan data into MeridianLink.
Maintain accurate and organized digital files in compliance with internal policies and external regulations.
Retrieve and compile loan files for underwriting and audit review.
Track document status and follow up on outstanding items.
Ensure all necessary documentation is received prior to loan closing.
Assist with post-closing document verification and quality control.
Act as a liaison between borrowers, internal teams, title companies, and external partners.
Respond to internal and external inquiries regarding loan documentation and file status.
Collaborate with loan officers, underwriters, and closing staff to ensure timely loan processing.
Support new consumer deposit account opening for Specialty and Virtual Channels, including checking, savings, and related consumer account products.
Collect, review, and verify required consumer account documentation in accordance with CIP, KYC, and BSA/AML regulatory requirements.
Ensure consumer account applications are accurate, complete, and properly authorized prior to account opening and funding.
Enter, update, and maintain consumer deposit account information within MeridianLink and DNA core systems.
Verify member identity, account ownership, and signer authority for consumer deposit accounts.
Review documentation for consumer accounts to ensure compliance with internal policies and regulatory standards.
Identify and resolve documentation discrepancies, missing information, or compliance exceptions in a timely manner.
Serve as a point of contact for internal teams and virtual channel partners regarding consumer deposit account status.
Communicate with members to obtain additional documentation or clarification needed to complete account opening.
Coordinate with operations and compliance teams to ensure timely, accurate, and compliant consumer account setup.

Benefits

Health, Dental, and Vision Insurance
Company Paid Short Term (STD) & Long Term Disability (LTD)
Company Paid Employee Basic Term Life Insurance
Voluntary Term Life Insurance for Spouse & Child(ren)
Critical Illness, Accident, and Hospital Indemnity Insurance
Health Care Flexible Spending Account (FSA)/ Health Savings Account (HAS): Pre-taxed funds available to pay for some health-related expenses
Tuition Reimbursement
Employee Discount on Loans, Travel, Tickets, and More!
401k Match of up to 5% + A Free Annual Retirement Planning Session
11 Paid Company Holidays
Up to 8 paid hours for community volunteerism
Full time employees accrue 40 hours of sick, 10 days of PTO, & 1 personal holiday annually. PTO increases to 15 days after the 1st completed year!