Workflow Specialist

Ascend Federal Credit Union•Tullahoma, TN

About The Position

The Workflow Specialist monitors and coordinates the daily activities of the loan origination workflow and supports the Commercial Lending team. The role involves application initiation, gathering financial information for application packages, advancing loan originations through the workflow, analyzing loan applications and financial documentation, completing real estate evaluations for proposed and existing collateral, and storing and retrieving files. The specialist also assists portfolio management as needed and may participate in assigned projects. The position independently performs internal real estate evaluations and re-evaluations, reviews externally prepared commercial appraisals and evaluations as assigned, and may conduct exterior site visits. It works with Business Loan Advisors to confirm required documentation for business and commercial loan prospects, initiates and completes new-loan workflows, maintains accurate member profiles, forwards complete underwriting packages to credit, and ensures consistent electronic storage and processing of financial and loan documents. The specialist may assess workflow training needs and cross-train or assist colleagues. Ongoing responsibilities include required training, maintaining knowledge of applicable lending compliance, reading internal publications, and performing other assigned duties.

Requirements

Bachelor's degree in business, finance, accounting, or a related field, or an equivalent combination of relevant education, specialized training, and work experience.
1–3 years of similar or related experience.
Knowledge of internal lending policies and NCUA regulations.
High level of accuracy and attention to detail.
Ability to communicate effectively and monitor deliverable dates.
Effective organizational and analytical skills, with a high degree of computer literacy and fluency in Microsoft programs and standard spreadsheet tools.
Ability to prioritize and handle multiple projects.
Excellent verbal and written communication skills to communicate positively and professionally with employees and members.
Working knowledge of Microsoft Word, Excel, Outlook, PowerPoint, and the internet.
Valid, unrestricted driver’s license.
Ability to operate, or be trained to operate, related office equipment, including a calculator, check and receipt printers, computer, scanner, telephone, and multifunction copier.
Familiarity with tax return documentation.
Regular and reliable attendance.

Nice To Haves

Familiarity with real estate automated valuation tools and software.

Responsibilities

Monitor and coordinate daily loan origination workflow activities.
Support the Commercial Lending team with application initiation, gathering financial information, workflow advancement, analysis of applications and documentation, real estate evaluations, and file storage and retrieval.
Assist portfolio management as needed and participate in projects as assigned.
Perform internal real estate evaluations and re-evaluations by analyzing comparable sales data, determining report scope, and meeting regulatory quality, service, and production standards.
Review externally prepared commercial appraisals and collateral evaluations as assigned; conduct exterior site visits for proposed or existing collateral when needed.
Adhere to USPAP, AFCU appraisal standards, and regulatory guidelines.
Work with Business Loan Advisors to validate receipt of required documentation for business and commercial loan prospects before submission to credit for underwriting.
Contact members as needed to obtain financial information for incomplete applications.
Initiate, maintain, and complete origination workflows for new loan requests in the application processing system.
Review and update member group and personal profiles for accurate identification and contact information for prospects, modifications, annual loan reviews, and refinances.
Forward complete application underwriting packages to credit for assignment.
Store financial and loan documentation electronically in the business shared drive and application processing system document library in a uniform and consistent manner.
Initially process electronically received financial information and maintain the document library in the loan administration system.
Assess and recommend departmental training needs related to workflow processes and procedures.
Cross-train and assist other departmental positions as needed.
Analyze data using computer technology.
Complete required annual compliance and job-specific training.
Maintain current knowledge of regulatory compliance applicable to member business and commercial lending through ongoing training and independent study.
Read internal publications, including HUB and Possibilities.
Perform other duties as required or assigned.