Bilingual Consumer Loan Specialist - High School Diploma Only
Loan Processor Job 164 miles from Alexandria
At OneMain, Consumer Loan Sales Specialists empower customers - listening to their needs and providing access to friendly, fast, and affordable financing for life's expenses. Consumer Loan Sales Specialist will learn the lending and servicing business at OneMain allowing them to grow their career.
In the Role
Deliver results related to individual and branch sales goals as well as customer expectations
Develop new relationships - and maintain existing relationships - working with customers throughout the loan process and loan life cycle
Present financial solutions, based on customer needs, that meet their goals
Present customers with optional insurance products
Educate customers on the terms and conditions of their loan to ensure a clear understanding
Learn how to utilize credit underwriting techniques and sales tools
Manage the life cycle of the loan, including collections activities, complying with all laws and regulations
Requirements:
HS Diploma/GED
Preferred:
Sales, Collections or Customer Service experience
Bilingual - Spanish
Location: On site
The schedule for this position is Monday-Friday during standard business hours, with some extended hours during the week as needed which may include Saturday.
Who we Are
A career with OneMain offers you the potential to earn an annual salary plus incentives. You can steer your career toward leadership roles such as Branch Manager and District Manager by taking advantage of a variety of robust training programs and opportunities to advance. Other team member benefits include:
Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
Up to 4% matching 401(k)
Employee Stock Purchase Plan (10% share discount)
Tuition reimbursement
Paid time off (15 days vacation per year, plus 2 personal days, prorated based on start date)
Paid sick leave as determined by state or local ordinance, prorated based on start date
Paid holidays (7 days per year, based on start date)
Paid volunteer time (3 days per year, prorated based on start date)
OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.
In our more than 1,300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets. We meet customers where they want to be -- in person, by phone and online.
At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain.
Key Word Tags
Sales, Collections, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Entry level, Financial Sales, Management Development, Management Trainee, Finance, Full-time, Career, Benefits, Customer experience, Financial Representative, Credit, Leadership, Manager Trainee
Loan Processor & Title Specialist (Outtake)
Loan Processor Job 173 miles from Alexandria
Share If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process. **Loan Processor & Title Specialist (Outtake)** Clerical 30+ days ago Requisition ID: 1037 Salary Range: $16.45 To $24.68 Hourly
Riverland Federal Credit Union is seeking a **Loan Processor (Outtake) & Title Specialist**to join our team. The ideal candidate will have exemplary organizational, communication, and customer service skills. This position will be located at our Main Office, located at 639 Loyola Ave Suite 220 New Orleans, LA 70113 and will be required to work Monday- Friday 8:00am - 4:00 pm
The Outtake Loan Processor & Title Specialist will examine documents on non-real estate collateral to ensure a legal title and lien may be issued. Maintain accurate and efficient records and maintain titles. To assist members with their loan requests, providing clerical and administrative support needed to process and close member loans.
**Essential Functions and Responsibilities:**
* Reviews loan and titling documents to ensure that our lien will be perfected. Communicates, completes, and ensures that proper titling paperwork is sent to the appropriate state motor vehicle department, Coast Guard, Wildlife and Fisheries department, FAA, and/or necessary agency. Responsible for maintaining all titling records within the operating system, as well as securely maintaining paper titles. Runs and maintains monthly reports to determine accurate and timely title issuances are received and released. Responsible for releasing all titles to the correct parties and retaining those records. Coordinates with insurance companies and member for insurance payoffs. Remains knowledgeable of state titling regulations and updates forms as needed.
* Processes and prepares all in-branch and online loan applications for review by a Loan Officer. Communicates with members to perfect loan applications that need updated name changes, address changes or adjustments for joint owner information. Runs the OFAC program on all loan check dispersals and reports suspicious activity or potential loan fraud to management. Processes and disperses approved loans. Orders new Mastercards. Maintains help tickets and processes all requests for all loan adjustments, to include payment corrections, interest/fee refunds, and advancement of due dates. Processes CUNA, GAP, MRC, and LDP purchases and claims. Maintain lending and loan processor email accounts. Cross-sells other credit union services.
* Required to complete annual in-services to include critically identified areas: BSA, Compliance, Security and Workplace Conduct. Follows Credit Union's policies and procedures at all times and all other duties as assigned.
* Performs other job related duties as assigned.
**Education and Experience:**
* A high school education or GED is required.
* At least 1-3 years of related experience.
* Previous experience in a financial institution is a plus.
**Other:**
* Must be legally authorized to work in the US.
* Must be willing to submit to and pass a criminal background check.
* Must be willing to submit to and pass a credit check.
* Must be bondable.
Due to the high volume of resumes received, a personal response regarding your application status is not available. Candidates will be contacted directly if we are interested in an interview.
**RiverLand is an Equal Employment Opportunity Employer. We adhere to a policy of making employment decisions without regard to race, color, religion, sex, sexual orientation, national origin, citizenship, age, or disability. We assure you that your opportunity for employment with this company depends solely on your qualifications.**
Loan Processor
Loan Processor Job In Alexandria, LA
Ready to process your way into a new opportunity? Advantage Resourcing has partnered with a top financial services company in Alexandria, LA, that is committed to excellence and innovation. This full-time Loan Processor position offers a dynamic work environment, competitive compensation, and growth opportunities. If you are a detail-oriented individual passionate about delivering exceptional service, we want to hear from you. Join a company that values integrity, teamwork, and customer satisfaction. Take the next step in your career and apply today!
Pay: $16.50/hr + depending on experience
1st Shift: 8:00 AM - 4:30 PM | Monday - Friday
Requirements: The ideal candidate should have at least one year of experience in loans and cash handling, a high school diploma, and previous sales and customer service experience in selling and cross-selling products and services.
We have tons of perks!
* Weekly pay by direct deposit or payment card
* Medical, dental, and vision insurance
* Life insurance, short-term disability, and 401k options
* Referral bonus potential
* Grow with outstanding onsite mentorship, work in a friendly environment, and enter a lasting career with endless opportunities.
The Loan Processor will review loan applications, evaluate applicants' financial status, verify documentation, and ensure compliance with lending regulations. Daily tasks include:
* Analyzing credit reports.
* Preparing loan files.
* Communicating with clients to gather necessary information.
* Coordinating with underwriters to facilitate the loan approval.
If you are hard-working, detail-oriented, and thrive in an exciting environment, this outstanding job opportunity is ready for you! Click 'Apply Now' and join us today. We look forward to connecting with you!
After you have applied, download our Staffmark Group WorkNOW App to receive real-time job offers and apply for additional opportunities. You can download it from the App Store or get it on Google Play.
Loan Processor & Title Specialist (Outtake)
Loan Processor Job 173 miles from Alexandria
Job Description
Riverland Federal Credit Union is seeking a Loan Processor (Outtake) & Title Specialist to join our team. The ideal candidate will have exemplary organizational, communication, and customer service skills. This position will be located at our Main Office, located at 639 Loyola Ave Suite 220 New Orleans, LA 70113 and will be required to work Monday- Friday 8:00am – 4:00 pm
The Outtake Loan Processor & Title Specialist will examine documents on non-real estate collateral to ensure a legal title and lien may be issued. Maintain accurate and efficient records and maintain titles. To assist members with their loan requests, providing clerical and administrative support needed to process and close member loans.
Essential Functions and Responsibilities:
Reviews loan and titling documents to ensure that our lien will be perfected. Communicates, completes, and ensures that proper titling paperwork is sent to the appropriate state motor vehicle department, Coast Guard, Wildlife and Fisheries department, FAA, and/or necessary agency. Responsible for maintaining all titling records within the operating system, as well as securely maintaining paper titles. Runs and maintains monthly reports to determine accurate and timely title issuances are received and released. Responsible for releasing all titles to the correct parties and retaining those records. Coordinates with insurance companies and member for insurance payoffs. Remains knowledgeable of state titling regulations and updates forms as needed.
Processes and prepares all in-branch and online loan applications for review by a Loan Officer. Communicates with members to perfect loan applications that need updated name changes, address changes or adjustments for joint owner information. Runs the OFAC program on all loan check dispersals and reports suspicious activity or potential loan fraud to management. Processes and disperses approved loans. Orders new Mastercards. Maintains help tickets and processes all requests for all loan adjustments, to include payment corrections, interest/fee refunds, and advancement of due dates. Processes CUNA, GAP, MRC, and LDP purchases and claims. Maintain lending and loan processor email accounts. Cross-sells other credit union services.
Required to complete annual in-services to include critically identified areas: BSA, Compliance, Security and Workplace Conduct. Follows Credit Union’s policies and procedures at all times and all other duties as assigned.
Performs other job related duties as assigned.
Education and Experience:
A high school education or GED is required.
At least 1-3 years of related experience.
Previous experience in a financial institution is a plus.
Other:
Must be legally authorized to work in the US.
Must be willing to submit to and pass a criminal background check.
Must be willing to submit to and pass a credit check.
Must be bondable.
Due to the high volume of resumes received, a personal response regarding your application status is not available. Candidates will be contacted directly if we are interested in an interview.
RiverLand is an Equal Employment Opportunity Employer. We adhere to a policy of making employment decisions without regard to race, color, religion, sex, sexual orientation, national origin, citizenship, age, or disability. We assure you that your opportunity for employment with this company depends solely on your qualifications.
Mortgage Loan Processor - Baton Rouge, LA
Loan Processor Job 97 miles from Alexandria
Mortgage Loan Processor (Full Time) - Baton Rouge, LA
Days and hours of work are Monday - Friday 8:00 a.m. to 5:00 p.m.
JOB DUTIES & RESPONSIBILITIES
Gather information and take each file from pre-approval to closing
Input proper loan information into the system for processing
Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy
Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting
Review file documentation and make sure all items needed are requested
Order and coordinate loan documents
Meet crucial deadlines requested
Perform any additional duties/activities assigned by management
JOB REQUIREMENTS & SKILLS
2-5 years mortgage loan processing experience, prefers experience with FHA, VA and USDA products
Knowledge of mortgage lending products, documentation, policies and procedures, service and delivery methods
Excellent written, verbal and interpersonal communication skills
Ability to interact effectively with internal/external customers via telephone, email and in person
Strong time management and organizational skills
Experience working with a Windows-based computer environment
COMPENSATION
Salary based upon experience
BENEFITS
DSLD Homes offers a benefits package for full-time employees that includes, but is not limited to, medical, dental and vision coverage, 401(k) with employer match, long term disability, life insurance, paid vacation and holidays.
Please visit ***************** for more information.
Candidates cannot be on one of the lists below in order to be considered for the position.
U.S. General Services Administration (GSA) Excluded Parties List (EPL).
HUD Limited Denial of Participation List (LDP List).
Federal Housing Finance Agency's (FHFA) Suspended Counterparty Program (SCP) list.
Office of Foreign Asset Control (OFAC) list.
DSLD is an Equal Opportunity Employer #CB
Commercial Loan Processor
Loan Processor Job 105 miles from Alexandria
Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel. As we grow, we want YOU to join our team to help fulfill our mission of serving the banking needs in our local communities.
Our full-time employees are eligible for amazing benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long term disability, and salary continuance (short-term disability). In addition, they get paid holidays, paid vacation and sick leave, a tuition reimbursement program, 401k, section 125 cafeteria plan, and the opportunity to earn FGB stock grants. Apply today to enjoy these benefits and more!
Position Summary
The Commercial Processor reviews loan packages and prepares loan documentation based upon information submitted from front line lending staff. Ensures loan documents are accurate, in compliance with all state and federal regulatory requirements, and security documents will ensure lien perfection while meeting deadlines in production environments for commercial and real estate loans.
Essential Duties and Responsibilities
* Assist supervisor with pre-closing review of loan packages submitted for closing documents.
* Review loan requests to ensure accurate documentation/information has been received and uploaded in loan origination system.
* Review closing documents to ensure accuracy and compliance with regulatory requirements.
* Understand and recognize when exceptions to bank policy and procedures are present.\
* Prepare loan documents based upon approval and ensure all regulatory and state requirements have been met.
* Order appraisal, evaluations, and validity checks.
* Order and review title work.
* Pull flood determinations, get flood notice signed if applicable, request insurance and send insurance to be reviewed.
* Communicate with customers to gather documentation, process the loan, and fund the loan.
* Communicate with all departments within the bank if need to process the loan.
* Coordinate loan closings.
* Fund loan proceeds by wire or check.
* Stack loan package to prepare for booking.
* Complete GL entries prior to loan being booked.
* Lead the region's loan renewal efforts by monitoring the future maturity list, contacting customers, and coordinating the renewal process with the Commercial Lenders.
* Assist in working past dues and loan exceptions such as financial, collateral, or covenant exceptions.
* Review all signed loan documents for all signatures required by borrower and lender.
* Interact with lenders and assistants to provide exceptional customer service.
* Complete any training provided by the bank.
* Adhere to BSA/AML policy and all other bank policies.
* Other duties and responsibilities as may be assigned by supervisor.
Minimum Qualifications (Education, Experience, Skills)
* Minimum 1 year of experience in a commercial bank or other financial institution working in a loan production environment or other position related to loans, preferred.
* Knowledge of commercial lending, real estate, loan documentation, lien documentation, as well as state and federal compliance and lending regulations.
* Excellent written and verbal communication skills.
* Ability to work independently, efficiently and innovatively as part of a team.
* Must work well under pressure, meeting multiple and conflicting deadlines.
* Computer skills, including proficiency in Microsoft Word and Microsoft Office.
* Knowledge of Laser Pro preferred.
Physical Demands and Work Environment
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.
While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.
The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus.
The noise level in the work environment is usually moderate.
This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments.
All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills aptitudes and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities.
Consumer Loan Processor
Loan Processor Job 164 miles from Alexandria
We are looking for a Consumer Loan Processor to join our team! At OnPath Federal Credit Union, we share a passion for delivering exceptional service. If you thrive in an environment with team members who truly enjoy what they do, and you are driven and motivated to succeed, then OnPath is the place for you!
Voted eight years in a row as one of the Top 40 Places to Work by the Times Picayune, we offer:
Competitive Compensation
Impressive Benefits Package including Medical, Dental, Life Insurance, and 401(K) Plan
Paid Vacation and Sick Time, and more
Interested? Become part of the OnPath team that believes exceptional service defines the core of who we are. The Consumer Loan Processor will work at our corporate office in Metairie. This position is classified as Hybrid, which means that they will work in the office 2 or more days a week. The initial salary range for this position is $18.20 - $21/hr. based on skills, experience and responsibilities, with the potential to grow in the organization. Role: As a dedicated member of the OnPath FCU team, this role performs a variety of tasks that in partnership with the surrounding departments, provides cost effective financial services for the benefit of our members who are our primary focus. Our core values are what make us E.P.I.I.C. We are Empathetic to the vast situations and needs of our member's and to each other. We are Passionate about the financial growth and success of our members. We are Innovative in our ideas and goals to remain at the top of our class in financial services. Our Integrity is not an option. We require our employees to be honest and have strong moral principles. We are Committed to our promise to be the best financial advocates for our members and the communities we serve. PRIMARY FUNCTIONS: Conducts daily business interactions and maintains constant alignment with OnPath mission, culture, and core values. Encourages others to act with mission, culture, and core values in mind always. Initiative and judgment are required in the absence of specific direction from management. Ensures value through decision making that supports credit union goals and interests. Leadership:
Encourage and develop cooperation among peer members to ensure a "team effort" and commitment to the established Service Expectations.
Leads by example, takes initiative, and is open to change.
Help create a positive and consistent attitude in your department by owning issues and following up when necessary.
Participate in continuing education as approved by Lending Manager.
Performs such tasks as may be assigned by his/her supervisor, which is commensurate with the position.
Holds self and others accountable for professional and ethical behavior as defined by OnPath Federal Credit Union's mission, culture, and values. Continually works to expand knowledge of what goes on in other parts of the credit union.
Maintains positive relationships, shares credit for accomplishments, celebrates success of others, and takes responsibility for mistakes.
Service:
Promote and maintain a positive image of the credit union to assigned personnel, members, and the community.
Maintain professional, respectful, persuasive communication and a courteous attitude when working will internal and external members.
Acts as a voice of the credit union.
Keeps promises and commitments, earns and maintains trust of others by acting consistently with words and actions. Is direct and truthful by providing straight, honest feedback. Keeps confidence, and is dedicated to the highest standards of integrity, honesty, and trust.
Abides by OnPath FCU's commitment to a Sales and Service Culture.
Agrees to stay informed on OnPath's products and services to provide the right product to the right member at the right time for the right reason. Community:
Participate in community outreach by volunteering to work at different volunteer opportunities presented throughout each year.
Major Duties and Responsibilities:
Has a thorough knowledge of the documents required for each loan and has the skill to obtain the required information in a friendly and efficient manner.
Has thorough knowledge of the loan products and requirements.
Detailed oriented, follows directions with ease and consistency and checks for quality work.
Communicates clearly with Team members to quickly serve the members needs with every loan type.
Files loan documents, reviews loan documents for completeness, and prepares loan documents for imaging.
Is responsible for maintaining current information in employee handbook.
Is responsible for maintaining the supplies and promotional materials in the loan department.
Performs tasks assigned by supervisor, which are commensurate with position.
Knowledge and Skills EDUCATION/CERTIFICATIONS/LICENSES: • High School diploma or equivalent. Some college preferred. INTERPERSONAL SKILLS: • A high level of interpersonal skills to communicate information, policies, procedures, and objectives effectively throughout the credit union to internal and external members. OTHER SKILLS:
Knowledge of loan policies and products and services. Prior loan processing experience preferred.
Accuracy in the recording of daily transactions.
Procedural knowledge of interviewing skills and techniques.
ADA Requirements PHYSICAL REQUIREMENTS/PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, use hands to finger, handle or feel, reach with hands and arms, view customer information, and talk or hear. The employee frequently is required to stand and walk. The employee must regularly lift and/or move up to 5 pounds and frequently lift and/or move up to 25 pounds. DISCLAIMERS AND WORK ENVIRONMENT: Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. WORKING CONDITIONS: Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise. MENTAL AND/OR EMOTIONAL REQUIREMENTS: Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.
Mortgage Loan Processor
Loan Processor Job 159 miles from Alexandria
Job Description
We are seeking an experienced full time mortgage loan processor to perform the following tasks:
Gathering information for the loan application Evaluating credit histories for applications Collecting data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researching and correcting mistakes in applications for clients
Reviewing file documentation for missing or erroneous information
Meeting loan application deadlines
Assisting Loan Officer with requests and tasks needed to complete and process applications
Company DescriptionLakeside Mortgage, Inc. is a full service mortgage brokerage firm located in Kenner and licensed in Louisiana. We lend on 1-4 unit residential properties for primary residence, second home and investment properties. We originate Conventional, FHA, V.A. and R.D. loans. Lakeside Mortgage was established in 1999 and is celebrating its 25th anniversary. After thousands of closed loans and thousands of satisfied customers, Lakeside Mortgage has earned the reputation as THE place to go for your home loan.Company DescriptionLakeside Mortgage, Inc. is a full service mortgage brokerage firm located in Kenner and licensed in Louisiana. We lend on 1-4 unit residential properties for primary residence, second home and investment properties. We originate Conventional, FHA, V.A. and R.D. loans. Lakeside Mortgage was established in 1999 and is celebrating its 25th anniversary. After thousands of closed loans and thousands of satisfied customers, Lakeside Mortgage has earned the reputation as THE place to go for your home loan.
Loan Officer Non-Exempt
Loan Processor Job In Alexandria, LA
- Responsibilities/Duties/Functions/Tasks** The purpose of this position is to proactively solicit new residential mortgage clients, while developing and cultivating a strong business network of referrals. It is the responsibility of a Loan Officer to analyze a borrower's financial and credit data to determine creditworthiness and the probability of financial security in repayment efforts.
· Develops new business opportunities and sales leads by cultivating relationships with realtors, builders, bankers, etc.
· Develops solid PRMI product knowledge and offers clients the best mortgage products to match client needs
· Reviews application information, requesting specific supporting documentation as needed/required based on loan investor guidelines
· Analyzes and exercises independent judgment and discretion in advancing PRMI's business objectives and the interests of PRMI's customers regarding significant financial decisions
· Carries out major assignments affecting business operations of the employer or the employer's customers through:
o collecting and analyzing information regarding the customer's income, assets, investments, or debts
o analyzing applicant data, credit and collateral property value
o determining which financial products best meet the customer's needs and financial circumstances
o providing advice to the customer regarding the advantages and disadvantages of available financial products
o marketing, servicing, or promoting the employer's financial products
· Completes necessary CE in a timely manner and remains current on local developments and trends within the real estate and mortgage industries
· Provides origination services in the state of licensure
· Creates and maintains excellent business relationships with referral client base, creating new mortgage lending opportunities
· Corresponds, communicates, and coordinates with clients, in-house support staff, and external service providers to facilitate timely closings
**Qualifications**
· Sales experience in the mortgage industry is preferred
· Familiarity with mortgage processes, procedures, rules, regulations, and compliance
· Exceptional customer service skills with a strong attention to detail
· Excellent written and verbal communication skills
· Strong computer skills to include a working knowledge of MS Office
· Ability to comprehend and analyze financial information
· Ability to effectively communicate and present complex financial information while fielding and responding to questions from applicants, support staff, and management
· Established contact and referral list within the real estate and mortgage industries preferred
· Ability to pass a required background check
**Company Conformance Statement**
In the performance of assigned tasks and duties all employees are expected to conform to the following:
Review and adhere to policies and guidelines contained within the Employee Handbook, including privacy and information security guidelines.
Act within delegated authorities and adheres to applicable policy and procedures associated with such authorities.
Contribute to establishing a respectful workplace where diversity is critical to innovation and growth.
Ensure every action and decision is aligned with PRMI values.
Partner with your management team to understand performance expectations and measurements. Effectively utilize feedback and coaching opportunities while seeking to learn and develop within your role at PRMI.
Realize team synergies through networking and partnerships across PRMI.
Embrace change; act as advocate and role model, promoting an approach of continuous improvement.
Maintain a high standard of customer care while actively listening to customers in an effort to understand their views and needs. Take ownership of problems and issues, taking into consideration the breadth of PRMI competencies in providing solutions.
Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.
Work effectively as a team contributor on all assignments.
Perform quality work within deadlines.
Respect client and employee privacy.
**Work Requirements**
Each employee must be able to communicate clearly and effectively, utilize a computer, maintain a work schedule, and effectively perform in an office setting. Employment with PRMI requires compliance with and adherence to all applicable mortgage and fair lending laws and regulations as well as PRMI policies. The ability to work extended hours may be required.
**Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.**
**Skills**
**Education**
**Experience**
Indirect Loan Processor (Baton Rouge, LA)
Loan Processor Job 97 miles from Alexandria
2675 O'Neal Ln, Baton Rouge, LA 70816, USA ● Baton Rouge, LA, USA Req #1043 Friday, November 15, 2024 The role of the **Indirect Loan Processor** is responsible for processing indirect loan packages received from authorized franchise auto, power-sports and boat dealers according to established guidelines. Our Indirect Loan Processor will research background information and perform a variety of support duties related to the indirect lending function within the Credit Union. Our Processor must be able to handle multiple tasks and meet deadlines in fast paced environment and must have a heart for service and a positive attitude! The ideal candidate is a go-getter who thrives in a fast-paced environment and has a passion for serving others. They should be comfortable working independently and as a contributing member of a team. Meeting deadlines and attention to detail are critical pieces of this position. Our Indirect Loan Processor must embody Pelican's Core Values and provide excellent service in all that they do.
**A Day in the Life of an Indirect Loan Processor** **INCLUDES:**
* Gathering and verifying background information on indirect loan packages
* Communicating with dealerships as needed to obtain missing documents for indirect funding packages
* Understanding and applying new loan products and services in accordance with management direction
* Maintaining systems and procedures to ensure required documentation is received and maintained appropriately and according to policies and procedures
* Completing loan documents including the posting of funds received and disbursing loans when approved
**Indirect Loan Processor Skills and qualifications includes** **:**
* A high school education or GED
* 3 years of lending or directly related experience.
+ Prior experience with a Credit Union is highly desirable.
* Excellent oral, written, and telephone communication skills
* Strong problem-solving, attention to detail, and member service skills
* Knowledge of Federal and State financial institution laws and regulations pertaining to deposit, loan and electronic products and services
**Other things you may want to know about this position:**
* **Work Schedule**
+ Monday - Friday
- 8:00 am - 5:00 pm
- Overtime may be required as needed.
* **Travel**
+ Travel is rarely necessary for this position.
* **Work Site Location**
+ All work will be performed at our beautiful Corporate Campus located at 2675 O'Neal Lane in Baton Rouge, LA.
Since 1956, Pelican State Credit Union has been providing financial services to individuals and their families throughout the state of Louisiana. We've since grown into the largest state-chartered credit union in Louisiana now serving over 68,000 members nationwide. Because of our continued growth, Pelican State Credit Union is searching for new team members that embrace our Core Values and have a desire to positively contribute to our culture.
Our culture is grounded in faith, and we strive to live the golden rule of ‘love thy neighbor'. We are dedicated to creating, promoting, and nurturing a safe and inclusive work environment, and we expect the same from each of our employees. We value diverse talents and welcome individuals with unique backgrounds, working styles, and skillsets. We believe that our differences make us a better team by allowing us to make better decisions, be more innovative, and better serve our members and communities.
Our full-time employees enjoy amazing benefits including:
* Medical, Dental, and Vision Insurances with generous employer premium contributions
* Health Savings Account with employer contributions for eligible employees
* Employer-Paid Group Life Insurance
* Voluntary Dependent Life Insurance
* Paid Vacation & Sick Leave
* 15 Paid Holidays, including a Cultural Floating Holiday
* 401K Plan with a 5% discretionary profit share contribution, plus a dollar-for-dollar match of up to 5%
* Paid Time Off to volunteer with approved non-profits and charities
* Tuition Reimbursement Program
Pelican State Credit Union is an Equal Opportunity Employer and a drug-free workplace. All locations are tobacco-free facilities.
**Other details**
* Pay Type Hourly
* Min Hiring Rate $20.46
* Max Hiring Rate $25.57
* Required Education High School
Loan Review Specialist
Loan Processor Job 88 miles from Alexandria
Job DescriptionJob purpose
To provide an objective appraisal to credit union management of Member Business Loans and applications for credit in order to identify potential loan problems and ensure compliance with established loan policies and federal regulations.
Duties and responsibilities
Primary Duties:
Performs regular loan portfolio reviews based on risk and/or size of all credit types (commercial real estate, equipment, Small Business Administration, asset-based lines of credit, participations, etc.) that cover the following areas:
Asset Quality – Ensuring that acceptable credit standards are maintained (confirms lien perfection, repayment capacity, collateral, etc.)
Documentation – Ensuring that loans conform to established bank lending policies and procedures and that required documents have been obtained and are thorough and accurate.
Compliance – Ensuring conformance to relevant state and federal laws and regulations.
Ensures the creditworthiness of the loan portfolio, looking for changes that merit a review of lending practices and/or adverse asset classification
Validates the accuracy of the credit grading/loan rating system
Evaluates the allowance for loan loss methods/reserves/allocations/watch list
Identifies problem loans and describes deficiencies
Recommends final credit grades for approval by supervisor of loan review function
Provides detailed reasons/rationale for assigning differing and/or adverse risk ratings
Identifies and evaluates portfolio trends with respect to delinquency, bankruptcy, demographic and other factors
Monitors portfolio diversification in accordance with policy guidance and strategic plan
Stress tests the loan portfolio or individual loans for risk monitoring
Reviews credit union processes (loan approvals, policy exception reporting, supervisory loan to value limits, underwriting, covenants, internal controls, concentration reporting, ALLL methodology, etc.)
Evaluates the adequacy and effectiveness of tracking systems
Determines if proper approval procedures and loan authorities are adhered to
Reports trends and/or makes suggestions for changes
Informs management of any potential fraud opportunities and/or detection
Verifies quality, completeness and accuracy of supporting loan documentation and analysis
Periodically reviews files for appraisals, deeds of trust, UCC filings, perfection on liens, collateral evaluations and valuations, etc.
Performs regular back-end review of financials and related analysis (financial statements, tax returns, rent rolls, personal financial statements, cash flow statements, etc.)
Identifies trends, debt service coverage, performance ratio analysis
Reviews loan policy for adequacy
Validates that applicable laws and regulations are addressed by policy
Ensures that actual procedures/processes uphold the written policy
Makes suggestions/recommendation for changes/updates/revisions to policy content
Assesses problem loan management/workout plan effectiveness
Provides assistance and consultation to loan officers, other lending personnel (loan administration, lending assistants, etc.), auditors and regulatory examiners.
Prepares an executive summary of each review and supporting analysis
Creates write-ups for presentation to individual lenders and/or management
Presents findings to Board of Directors as appropriate
Participates in special lending-related projects as directed
Performs additional job-related duties as assigned or required
Other Responsibilities:
Other duties as assigned
Qualification – Minimum Requirements
Bachelor’s Degree with an emphasis in finance or accounting – or equivalent combination of education and experience (5 years) required.
Minimum of three (3) years’ experience in a loan review or credit analysis capacity is required.
Must exhibit strong analytical skills, recognizing the importance of attention to details.
Must have the ability to multitask to meet deadlines and deal tactfully with clients.
Computer aptitude with MS Office programs, Word, Excel, Adobe, Access and PowerPoint.
Key Success Factors:
Thorough knowledge of lending laws and regulations
Strong analytical, technical and statistical skills
Sound working knowledge of accounting principles and financial statements
Ability to create reports of review findings
Capability to effectively present information and respond to questions form groups of lenders, managers, directors and/or regulatory officials
Strong integrity in all areas, adhering to policies, regulations and utmost ethical and legal standards
Uphold confidentiality and privacy of findings in all situations
Demonstrate ability to prioritize and handle multiple projects
Remain flexible to withstand unpredictable changes to schedules and deadlines
Interact and communicate effectively with personnel at all levels of the organization
Desirable Performance Behaviors:
Ability to interact easily at all levels of the organization
Flexibility in working with team members to meet deadline
Commitment to excellence and attention to detail
Exhibit professional behavior
Ability to work on multiple projects while meeting tight deadlines and achieving expected level of accuracy
Equipment/Software Operating Requirements;
Windows based PC (MS Word/Excel/Power Point/Outlook
Familiar with Bank CORE syatems
Document Imaging
copy machine; telephone
Working conditions
Normal business office environment in a professional business setting.
Occasional travel to credit union locations and off-site vendors.
Work pace can be very fast during deadlines and peak periods.
Physical requirements
Operation of a Personal Computer and viewing information on a monitor
Must be able to sit for many hours each day
Ability to sit in artificial light for extended periods of time.
Must be able to communicate via telephone and possess dexterity to include filing document, reaching, and bending
May be required to stand for extended periods of time
Ability to lift or carry up to 20 pounds
Ability to speak English, express ideas and have difficult conversations in person and over the phone
Ability to listen and comprehend speech
Ability to problem solve, make decisions, interpret data and information, read, write, and organize information in an orderly manner
Consumer Loan Specialist - Sales Customer Service
Loan Processor Job In Alexandria, LA
Overview & Responsibilities Are you looking for a long-term opportunity with a growing financial services company that rewards performance and gives back to its community? If so, please read on! This position earns a competitive salary of $32,000 per year (paid hourly), plus an uncapped monthly bonus that averages $8,000 annually! In addition, we offer amazing benefits and perks, including health, dental, and vision insurance with employer contribution as well as paid time off (PTO), paid holidays, a 401(k) plan with company match after one year, regular bonuses, and short and long-term disability.
If this sounds like the right opportunity in the financial services industry for you, apply today! As a Consumer Loan Specialist, you will be a key team member in the branch.
Your primary responsibility is to ensure a positive total customer experience while originating consumer loans, completing loan applications, developing strong customer relationships and meeting sales goals.
The successful candidate will posses a professional demeanor, outgoing/positive attitude, reliability, and excellent oral and written communication skills.
ABOUT REPUBLIC FINANCE We have helped our customers meet their personal finance goals for more than 70 years by providing a variety of consumer loans, flexible lending options, and incomparable customer service.
We are proud to serve over 300,000 customers in more than 250 communities throughout the US and we continue to expand into new states each year! Our Core Values are at the heart of everything we do with a focus on Our Team, Our Customers, and Our Performance.
With a commitment to our customers, we identify lending options that fit each of their unique needs.
Not only are we dedicated to serving our customers, but we are also dedicated to giving back to our community.
Company-wide, we hold annual fundraisers for the Juvenile Diabetes Research Foundation (JDRF) and the American Cancer Society, among other philanthropic efforts.
Our growing company offers a bright future for our employees.
We work to provide many growth opportunities for all of our team members.
Our supportive culture is one where we all work together to continuously improve and reach our goals.
We show our appreciation for our employees with by offering great benefits and competitive pay and rewarding performance! Job responsibilities are as follows: Actively seeks opportunities to originate new loan business with new and existing customers.
Evaluates customer needs to recommend the best consumer loan and voluntary product solutions.
Completes loan applications, proposals and offers for new borrowers and follows up with pending applicants.
Assists potential borrowers by explaining the loan process, answering questions regarding loan products and loan processing.
Takes ownership of customer concerns and works with management to formulate and execute strategies for potential problem loans.
Closes loans, assembles loan folders, and breaks down files as well as other miscellaneous tasks.
Consistently meets or exceeds loan goals.
Responsible for day-to-day servicing of an ever-growing, complex consumer loan portfolio.
Applies analytical skills to quickly and efficiently resolve any customer issues.
Processes insurance claims, follow-ups and payments daily and maintains insurance log.
Provides excellent customer care through daily transactions, customer inquiries and problem resolution.
Answers incoming phone calls; checks branch's voicemail.
Effectively builds trust with customers and internal staff by embodying and demonstrating the philosophy of the organization, including core values, company policies, operational procedures and compliance.
Requirements High school diploma or equivalent.
Minimum of 1 year of sales experience (i.
e.
, retail sales, goal-oriented or incentive based).
Professional demeanor, positive attitude, strong communication and customer relations skills are a must.
Ability to work in a high-performing, fast-paced, goal-oriented, team environment.
Ability to successfully navigate priorities while paying close attention to details.
Basic computer skills and familiarity with Windows & Microsoft Office.
Ability to meet our acceptable standards for criminal background history, credit history and pass a pre-employment drug screen.
Ability to meet the eligibility requirements for insurance licensing in order to sell voluntary insurance products.
Eligibility is based on a criminal background check conducted by the state's department of insurance.
Benefits We offer a competitive compensation and benefits package including: Health, Dental, & Vision Insurance 15 days of Paid Time Off (PTO) to start + 1 additional personal day 401k + employer match Company provided Life Insurance & Long Term Disability Employee Assistance Program - Confidential mental health support Additional benefits with Republic Finance include: Employee of the Month Program Philanthropic support for charities such as Juvenile Diabetes Research Foundation and the American Cancer Society Professional offices with a friendly team environment Monthly incentive bonus pay Internal promotions Republic Finance, LLC is an Equal Opportunity Employer and does not discriminate on the basis of race, sex, color, religion, national origin, age disability or veteran status in employment opportunities and benefits.
Republic Finance, LLC maintains a Drug-Free Workplace.
Consumer Loan Specialist - Sales Customer Service
Loan Processor Job In Alexandria, LA
Overview & Responsibilities Are you looking for a long-term opportunity with a growing financial services company that rewards performance and gives back to its community? If so, please read on! This position earns a competitive salary of $32,000 per year (paid hourly), plus an uncapped monthly bonus that averages $8,000 annually! In addition, we offer amazing benefits and perks, including health, dental, and vision insurance with employer contribution as well as paid time off (PTO), paid holidays, a 401(k) plan with company match after one year, regular bonuses, and short and long-term disability. If this sounds like the right opportunity in the financial services industry for you, apply today!
As a Consumer Loan Specialist, you will be a key team member in the branch. Your primary responsibility is to ensure a positive total customer experience while originating consumer loans, completing loan applications, developing strong customer relationships and meeting sales goals. The successful candidate will posses a professional demeanor, outgoing/positive attitude, reliability, and excellent oral and written communication skills.
ABOUT REPUBLIC FINANCE
We have helped our customers meet their personal finance goals for more than 70 years by providing a variety of consumer loans, flexible lending options, and incomparable customer service. We are proud to serve over 300,000 customers in more than 250 communities throughout the US and we continue to expand into new states each year! Our Core Values are at the heart of everything we do with a focus on Our Team, Our Customers, and Our Performance. With a commitment to our customers, we identify lending options that fit each of their unique needs. Not only are we dedicated to serving our customers, but we are also dedicated to giving back to our community. Company-wide, we hold annual fundraisers for the Juvenile Diabetes Research Foundation (JDRF) and the American Cancer Society, among other philanthropic efforts.
Our growing company offers a bright future for our employees. We work to provide many growth opportunities for all of our team members. Our supportive culture is one where we all work together to continuously improve and reach our goals. We show our appreciation for our employees with by offering great benefits and competitive pay and rewarding performance!
Job responsibilities are as follows:
* Actively seeks opportunities to originate new loan business with new and existing customers.
* Evaluates customer needs to recommend the best consumer loan and voluntary product solutions.
* Completes loan applications, proposals and offers for new borrowers and follows up with pending applicants.
* Assists potential borrowers by explaining the loan process, answering questions regarding loan products and loan processing.
* Takes ownership of customer concerns and works with management to formulate and execute strategies for potential problem loans.
* Closes loans, assembles loan folders, and breaks down files as well as other miscellaneous tasks.
* Consistently meets or exceeds loan goals.
* Responsible for day-to-day servicing of an ever-growing, complex consumer loan portfolio.
* Applies analytical skills to quickly and efficiently resolve any customer issues.
* Processes insurance claims, follow-ups and payments daily and maintains insurance log.
* Provides excellent customer care through daily transactions, customer inquiries and problem resolution.
* Answers incoming phone calls; checks branch's voicemail.
* Effectively builds trust with customers and internal staff by embodying and demonstrating the philosophy of the organization, including core values, company policies, operational procedures and compliance.
Requirements
* High school diploma or equivalent.
* Minimum of 1 year of sales experience (i.e., retail sales, goal-oriented or incentive based).
* Professional demeanor, positive attitude, strong communication and customer relations skills are a must.
* Ability to work in a high-performing, fast-paced, goal-oriented, team environment.
* Ability to successfully navigate priorities while paying close attention to details.
* Basic computer skills and familiarity with Windows & Microsoft Office.
* Ability to meet our acceptable standards for criminal background history, credit history and pass a pre-employment drug screen.
* Ability to meet the eligibility requirements for insurance licensing in order to sell voluntary insurance products. Eligibility is based on a criminal background check conducted by the state's department of insurance.
Benefits
We offer a competitive compensation and benefits package including:
* Health, Dental, & Vision Insurance
* 15 days of Paid Time Off (PTO) to start + 1 additional personal day
* 401k + employer match
* Company provided Life Insurance & Long Term Disability
* Employee Assistance Program - Confidential mental health support
Additional benefits with Republic Finance include:
* Employee of the Month Program
* Philanthropic support for charities such as Juvenile Diabetes Research Foundation and the American Cancer Society
* Professional offices with a friendly team environment
* Monthly incentive bonus pay
* Internal promotions
Republic Finance, LLC is an Equal Opportunity Employer and does not discriminate on the basis of race, sex, color, religion, national origin, age disability or veteran status in employment opportunities and benefits. Republic Finance, LLC maintains a Drug-Free Workplace.
Loan Specialist
Loan Processor Job 173 miles from Alexandria
Job Description
The Loan Specialist will:
· Guide members through the loan application process
· Perform financial evaluations and offer tailored loan solutions
· Ensure submission of all necessary documentation
· Stay updated with financial regulations and lending practices
· Maintain communication with members from start to finish of the loan process
Qualifications
Team Player
· Works well individually and as a member of a team
Detail Oriented
· Capable of carrying out a given task with all details necessary to get the task done well
Dedicated
· Devoted to a task or purpose with loyalty or integrity
· Motivated
Ability to Make an Impact
· Inspired to perform well by the ability to contribute to the success of a project or the organization
Self-Starter
· Inspired to perform without outside help
Growth Opportunities
· Inspired to perform well as to take on more responsibility
Loan Originator NE - Metairie, LA
Loan Processor Job 164 miles from Alexandria
Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers.
Responsibilities
Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances.
Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required.
Markets and promotes PrimeLending's financial products;
Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set.
Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers.
Collects and analyzes information regarding the customer's income, assets, investments or debts.
Advises the customer regarding the advantages and disadvantages of different loan products.
Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information.
Oversees the loan process by monitoring loan status and ensures conformity with terms.
Communicates loan status to all interested parties, and obtains loan documentation after closing.
Presents terms and conditions of loans with customers.
Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages.
Maintains a professional image and adheres to standards consistent with company policies and procedures.
May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s).
Other duties as assigned.
Qualifications
High school diploma or equivalent and appropriate licenses as required by state.
Valid driver's license and current automobile liability insurance.
A minimum of 12 months loan originator experience required.
Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc.
Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written.
Ability to quickly assess and process large amounts of data and use of appropriate AU software technology.
Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts.
Continue to expand knowledge of issues influencing the industry and the organization.
The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.
Loan Collateral Specialist
Loan Processor Job 86 miles from Alexandria
The Collateral Specialist is responsible for maintaining the integrity of the bank's collateral records and ensuring that all liens are perfected and required document to perfect the bank's lien are properly filed in safekeeping. The Collateral Specialist is also responsible for the safekeeping and timely filing of original loan documents which the bank is required to have in their possession.
SPECIFIC JOB DUTIES
Input of on-going collateral maintenance (i.e., collateral descriptions, values, etc.) for the accuracy of the bank's collateral records
Review supporting documentation for collateral to ensure accurate collateral records, including, but not limited to:
Lien searches and real estate title documents, to ensure bank's collateral position is perfected in accordance with various state laws
Flood determinations and applicable flood insurance, to ensure compliance with bank policy and applicable regulations;
Environmental due diligence documents, to ensure policy requirements are met; and
Real estate appraisals and reviews, to ensure policy and regulatory requirements are met.
Input, review, and clearing of collateral document tracking ticklers
Review collateral documents received for accuracy and completeness
Input, review, and clearing of collateral re-inscription and continuation ticklers
Process collateral re-inscriptions and continuations as required by state and federal laws
Process and release of collateral and update the collateral record on the bank's core systems for closed loans & released collateral
Review and record original mortgages, deeds of trusts, modifications, and UCC filings
Perform post-closing UCC searches to determine the bank's lien position
Review vehicle title documents for accuracy prior to sending to the bank's titling vendor
Monitor the bank's Electronic Lien System for new liens placed on titled vehicles
Review collateral documentation to ensure any existing errors or deficiencies are corrected
Engage and work with outside counsel, as needed
Maintain the bank's loan and collateral vault
Timely filing of new loan and collateral documents
Timely removal of paid loan and released collateral documents
Research, review, understand, and differentiate between various stats laws regarding collateral perfection
Imaging of original collateral documents revived via mail (i.e., recorded mortgages, UCC filing confirmations, lien releases, etc.)
Work closely with the Collateral Protection Department on property tax tracking and payment of delinquent property taxes
JOB REQUIREMENTS
Associate degree or bachelor's degree in a Business or Finance related field with 1 (one) year loan documentation and collateral experience; or 2 (two) years of loan documentation and collateral experience
Knowledge of real estate documents (Title Opinions, Title Insurance Documents, Mortgages, Appraisals, etc.)
Knowledge of UCC rules and regulations
Knowledge of other departments, as they relate to loan operations
Strong interpersonal communication
Strong organizational and time management skills
Strong computer, keyboard, and software application (Microsoft Word and Excel) skills
Equal Opportunity Employer/Veterans/Disabled
Consumer Loan Underwriter
Loan Processor Job 79 miles from Alexandria
Department: Central Underwriting
Reports to: Director of Lending, V.P. of Lending
FLSA : Non-Exempt
Responsible for evaluating and analyzing all consumer loan application information submitted in the process of loan approval or disapproval and makes decisions on consumer loan requests within designated approval authority, based on Meritus Credit Union lending policy and guidelines.
JOB SPECIFICATIONS
Professional, well-developed communication skills required.
Work requires knowledge of consumer loan policy, credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan.
Intermediate or higher mathematical skills required.
Work requires sitting for the majority of the day.
ESSENTIAL FUNCTIONS
Maximizes revenue by practicing sound risk management principles; demonstrates strong analytical skills and sound underwriting judgment.
Ensures compliance with Meritus Credit Union underwriting policies.
Builds and strengthens rapport with Branch personnel by effectively and promptly communicating credit decisions and providing prompt dealer service.
Serves as a liaison between Central Underwriting and the Retail Branch staff.
Actively participates in risk/opportunity meetings; evaluates risk issues; stays abreast of constant changes in policies and procedures.
Monitors the queue for loan applications.
Reviews and interprets credit reports and loan applications to make sound loan decisions within acceptable time parameters.
Evaluates past and present credit information and other related factors in order to make a quality loan decision.
Identifies and understands debt restructuring and alternatives to lending with regard to the security and best interests of the credit union as well as the member.
Recognizes opportunities and suggests the cross selling of credit union products and services to members.
Offers guidance and assistance with loan building, credit interpretation, credit union policies and procedures to other staff members as needed.
Reviews loan documentation, verification of income, collateral appraisals and other documents as needed for loan underwriting, verifies approval loan notes prior to signing.
Identifies and refers possible Loss Mitigation and Work-out loans to Loss Mitigation Loan Officer.
For the purpose of maintaining loan application quality, provides documented reviews of loan applications.
Responsible for meeting department goals and standards as assigned by Lending Management.
Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC)
Other Duties and Responsibilities:
Performs all other duties deemed necessary to enable the department to meet its goals.
Loan Collateral Specialist
Loan Processor Job 86 miles from Alexandria
The Collateral Specialist is responsible for maintaining the integrity of the bank's collateral records and ensuring that all liens are perfected and required document to perfect the bank's lien are properly filed in safekeeping. The Collateral Specialist is also responsible for the safekeeping and timely filing of original loan documents which the bank is required to have in their possession.
SPECIFIC JOB DUTIES
Input of on-going collateral maintenance (i.e., collateral descriptions, values, etc.) for the accuracy of the bank's collateral records
Review supporting documentation for collateral to ensure accurate collateral records, including, but not limited to:
Lien searches and real estate title documents, to ensure bank's collateral position is perfected in accordance with various state laws
Flood determinations and applicable flood insurance, to ensure compliance with bank policy and applicable regulations;
Environmental due diligence documents, to ensure policy requirements are met; and
Real estate appraisals and reviews, to ensure policy and regulatory requirements are met.
Input, review, and clearing of collateral document tracking ticklers
Review collateral documents received for accuracy and completeness
Input, review, and clearing of collateral re-inscription and continuation ticklers
Process collateral re-inscriptions and continuations as required by state and federal laws
Process and release of collateral and update the collateral record on the bank's core systems for closed loans & released collateral
Review and record original mortgages, deeds of trusts, modifications, and UCC filings
Perform post-closing UCC searches to determine the bank's lien position
Review vehicle title documents for accuracy prior to sending to the bank's titling vendor
Monitor the bank's Electronic Lien System for new liens placed on titled vehicles
Review collateral documentation to ensure any existing errors or deficiencies are corrected
Engage and work with outside counsel, as needed
Maintain the bank's loan and collateral vault
Timely filing of new loan and collateral documents
Timely removal of paid loan and released collateral documents
Research, review, understand, and differentiate between various stats laws regarding collateral perfection
Imaging of original collateral documents revived via mail (i.e., recorded mortgages, UCC filing confirmations, lien releases, etc.)
Work closely with the Collateral Protection Department on property tax tracking and payment of delinquent property taxes
JOB REQUIREMENTS
Associate degree or bachelor's degree in a Business or Finance related field with 1 (one) year loan documentation and collateral experience; or 2 (two) years of loan documentation and collateral experience
Knowledge of real estate documents (Title Opinions, Title Insurance Documents, Mortgages, Appraisals, etc.)
Knowledge of UCC rules and regulations
Knowledge of other departments, as they relate to loan operations
Strong interpersonal communication
Strong organizational and time management skills
Strong computer, keyboard, and software application (Microsoft Word and Excel) skills
Equal Opportunity Employer/Veterans/Disabled
Consumer Loan Specialist
Loan Processor Job 95 miles from Alexandria
We service our communities by offering personal installment loans designed to help our customers get the money they need when they need it. The Consumer Loan Specialist assists both new and existing customers in the lending process. This position is a terrific opportunity to start your career and learn about consumer finance! Our team is goal driven and always strives for business growth, increased sales, and controlled delinquency.
If you are self-motivated, career oriented, and energized by delivering good customer service and hitting sales goals, then check out this opportunity!
Benefits:
Earn monthly bonuses
Medical, dental, and vision insurance effective day 1
401K with some company match
Paid Time Off
Employee Relief Fund
Hourly: $15.25 - $20.50
The base hourly range represents the low and high end of the anticipated hourly range for this position based on the state average. The actual base hourly offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.
Hours: Full Time, Monday through Friday, 8:30am to 5:30pm with an occasional evening or Saturday.
Why you would love to work here:
"I started my journey with the company as a Customer Service Representative with the dream of one day moving up within the company. With hard work and the help of great leadership, I was promoted to Branch Manager. I love the ability to help our customers within our community in a fast-paced environment with a company that values their team members and has a great culture that feels like we are all family."
-Carrie C., Branch Manager in Tennessee
Responsibilities
What you will be doing:
Greet and assist every customer in a professional manner
Marketing for new loans to existing and new customers through solicitation calls
Educate and upsell customers on all product offerings including loan options and insurance products
Process loan applications to determine customer eligibility
Consumer Loan Specialist
Loan Processor Job 95 miles from Alexandria
We service our communities by offering personal installment loans designed to help our customers get the money they need when they need it. The Consumer Loan Specialist assists both new and existing customers in the lending process. This position is a terrific opportunity to start your career and learn about consumer finance! Our team is goal driven and always strives for business growth, increased sales, and controlled delinquency.
If you are self-motivated, career oriented, and energized by delivering good customer service and hitting sales goals, then check out this opportunity!
Benefits:
Earn monthly bonuses
Medical, dental, and vision insurance effective day 1
401K with some company match
Paid Time Off
Employee Relief Fund
Hourly: $15.25 - $20.50
The base hourly range represents the low and high end of the anticipated hourly range for this position based on the state average. The actual base hourly offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.
Hours: Full Time, Monday through Friday, 8:30am to 5:30pm with an occasional evening or Saturday.
Why you would love to work here:
"I started my journey with the company as a Customer Service Representative with the dream of one day moving up within the company. With hard work and the help of great leadership, I was promoted to Branch Manager. I love the ability to help our customers within our community in a fast-paced environment with a company that values their team members and has a great culture that feels like we are all family."
-Carrie C., Branch Manager in Tennessee
Responsibilities
What you will be doing:
Greet and assist every customer in a professional manner
Marketing for new loans to existing and new customers through solicitation calls
Educate and upsell customers on all product offerings including loan options and insurance products
Process loan applications to determine customer eligibility