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 includes initiating applications, gathering financial information for application packages, advancing loan origination workflows, analyzing applications and financial documentation, completing real estate evaluations for proposed and existing collateral, and storing and retrieving files. The specialist also assists with portfolio management as needed and may participate in assigned projects. The position independently performs internal real estate collateral evaluations and re-evaluations, reviews external commercial appraisals and evaluations as assigned, and may conduct exterior site visits. It ensures collateral work follows USPAP, Ascend Federal Credit Union appraisal standards, and regulatory guidelines. The specialist coordinates required documentation with Business Loan Advisors, maintains application and member records, forwards complete underwriting packages to credit, and manages consistent electronic storage of loan and financial documents. The role also contributes to departmental training needs, cross-trains and assists colleagues, completes required compliance and job-specific training, and maintains knowledge of applicable regulatory requirements through ongoing training and independent study. A four-year college degree and 1–3 years of similar or related experience are required.

Requirements

Four-year college degree.
1–3 years of similar or related experience.
Knowledge of internal lending policies and NCUA regulations.
High level of accuracy and attention to detail.
Effective communication and ability to monitor deliverable dates.
Effective organizational and analytical skills, with computer literacy and fluency in Microsoft programs and standard spreadsheet tools.
Ability to prioritize and handle multiple projects.
Excellent verbal and written communication skills for positive, professional communication 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.
Familiarity with real estate automated valuation tools and software.
Regular and reliable attendance.

Responsibilities

Monitor and coordinate daily loan origination workflow activities and support the Commercial Lending team.
Independently perform real estate internal 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.
Perform exterior site visits for existing and proposed collateral properties as needed.
Adhere to USPAP, Ascend Federal Credit Union appraisal standards, and regulatory guidelines.
Work with Business Loan Advisors to validate receipt of required documentation for business and commercial loan prospects in accordance with internal policies and procedures.
Contact members to obtain financial information for incomplete applications as needed.
Initiate, maintain, and complete the origination workflow for new loan requests using the application processing system.
Review and update member group and personal profiles in the application processing system for accurate identification and contact information for new prospects, modifications, annual reviews, and refinances.
Forward complete application underwriting packages to credit for assignment.
Store financial and loan documentation electronically on the business shared drive and in the 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 with tasks 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.