Primary Functions: Disburse approved loans/lines approved by the back-office lending team. Provide member service, in person, over the phone, and/or electronically regarding consumer loans. Process loans to include - understanding the application process, matching up loans to underwriting guidelines to ensure compliance, collecting all required documentation, signatures from members to disburse funds, and ensuring all title and insurance are correct. Ensure loan packages are complete and contain all required documentation to secure CPFCU interest.

Duties and Responsibilities:

1. Disburse approved loans/lines approved by the back-office lending team for both online and indirect channels, including dealer reserve – fee paid for the booked loan application.

2. Maintain professional relationships with all dealerships and be the CU liaison to the dealership finance teams to ensure we have proper documents for new loans, liens that have not been perfected and cure title problems. Manage and maintain title problem files.

3. Open accounts for indirect channel loans as well as contact dealerships to complete loan packages and collect stipulations.

4. Responsible for staying current on all underwriting guidelines for products offered by the credit union.

5. Assist members with the loan application process to ensure completeness of information.

6. Verify underwriting guidelines have been applied properly by the loan officer prior to funding.

7. Knowledgeable on CUNA ancillary products (GAP, MRC, DP). Ability to navigate CUNA site to build product contracts. Process, post, maintain, and follow up on any collateral protection, Life, Disability, and Involuntary Unemployment claims to the third-party vendor. Post payments to the members' share or loan when due.

8. Review interest rate, term, and loan ratios have been correctly applied by underwriter.

9. Reaching out to members to complete loan documents and arrange disbursements.

10. Verify all documentation has been properly completed and collected for each specific loan product prior to funding.

11. Print adverse action notices for declined loan applications.

12. Ensure loans are properly archived, and documents have been transferred to the imaging system

13. Follow up with members who need to deliver materials required for disbursement.

14. Take member phone calls to assist with loan questions.

15. Complete required and recommended educational courses; Follow all rules and regulations applicable to job function, including but not limited to the Bank Secrecy Act.

16. All other duties as assigned.

Suggested Qualifications and Requirements:

1. High School Diploma required, Associate degree or higher preferred.

2. Two or more years of consumer lending experience with the credit union or other financial institution preferred.

3. Excellent organizational, verbal, and written communication skills.

4. Familiarity with data processing systems is an asset.

5. Ability to understand and follow oral and written instructions.

6. Ability to deal tactfully, courteously, and effectively with the public as well as employees.

7. Ability to complete and maintain accurate records.

8. Must be an assertive self-starter.

9. Must be able to work independently with limited supervision.

Physical Requirements:

1. Visual acuity. Required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; extensive reading on a computer monitor

2. Hearing. Perceiving the nature of sounds at normal speaking levels with or without correction. Ability to receive detailed information through oral communication, either in person or on the phone.

3. Light work. Exerting up to 60 pounds of force occasionally, and/or up to 20 pounds of force frequently, and/or a negligible amount of force constantly to move objects. If the use of arm and/or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.

4. Body motions: Standing, walking lifting stooping, kneeling, crouching, bending, crawling. Pushing and pulling.

5. Fingers and hands: Grasping, picking, pinching, typing or otherwise working, primarily with fingers rather than with whole hand or arm as in handling. Grasping: Applying pressure to an object with the fingers and palm. Making substantial repetitive movements (motions) of the wrists, hands, and/or fingers.