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Consumer Loan Processor

Company: Prospera Credit Union
Location: Appleton
Posted on: November 16, 2022

Job Description:

Life is short. Work somewhere awesome!Join us at Prospera Credit Union and become part of a team that is passionately committed to providing personal, tailored financial guidance to each of our members. At Prospera Credit Union, people aren't just numbers or transactions and you won't be treated that way either.Position Summary:The primary function of the Consumer Loan Processor is to complete all loan processing requests timely and accurately. Be a resource for our Lenders/Financial Service Reps, Collections, Call Center and Branches on consumer loan details and servicing. Help with researching, organizing, and finalizing DMV/DNR/UCC documentation. Work with consumer support team to help ensure all servicing tasks are completed timely and accurately.This role will also cross-train as a backup to support the mortgage loan processing team. Our Mortgage Loan Processors play a vital role in assisting both members and coworkers through the lifecycle of a mortgage. You will train to prepare files for underwriting, service mortgage loans, and work with internal and external contacts to help maximize our member's home loan experience. Duties and Responsibilities:Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change.

Demonstrate a positive member service (internal and external) focus at all timesShow strong teamwork in all interactions with coworkers and in the completion of all duties and responsibilitiesEnsure confidentiality of member information
  • Provide support primarily by email and phone to lenders/FSRs, collections, call center and branches by answering questions and completing loan maintenance requests. (Including reversals, due date changes, deferments, etc.)
  • Prepare loan documents and fund loans for Financial Service Reps as needed
  • Create membership and indirect loans. Save documentation to prodocs and mail welcome letter and document copies to member
  • Create new credit cards, complete limit increases and balance transfers. Create letters and mail with disclosures to member.
  • Work with insurance companies on total loss requests and complete letter of guaranty
  • Coordinate with 3rd party vendors to file claims for debt protection and GAP claims
  • Be a resource for DMV/DNR/UCC related questions. Help in researching, organizing, and finalizing DMV/DNR/UCC documentation.
  • Order appraisals
  • Assist with all servicing duties including paid loans, satisfactions, cancels and denials, uploading of insurance, sorting of paperwork from branches, work with various weekly and monthly reports.
  • Assist in all other consumer support duties and projects as assigned
  • Adheres to all state, federal and credit union regulations, policies, and guidelines.Additional Mortgage Processor Responsibilities (will train):
    Delivers initial disclosures to borrowers if necessary for 2nd mortgage products. Fields and returns calls from the support group phone line.Orders flood determination, verification of deposit, verification of employment, verification of mortgage or rents and other documents necessary to support the loan application and ensure complete documentation of the loan file.Reviews and verifies title work is clear to close and works with all parties involved to clear title objections.Organizes mortgage loan file in appropriate order and submits final applications to underwriting for approval. Follows up on any approval conditions for secondary market and in-house loans.
    Orders payoffs, and any other required documentation to prepare closing documents.Verify homeowners' insurance and flood insurance if applicable (personal and association) and requests mortgagee clause change prior to closing.Prepares closing documents and closing disclosure statement. Verifies all fees and invoices have been collected. Issues all checks and posts general ledger entries for those invoices and fees. Verifies accuracy and completeness of mortgage loan data entry on core system for second mortgages.Assists in year-end verification of HMDA reporting Job Requirements/Expectations:
    High school diploma, GED or equivalent1-2 years of loan processing experience preferredExperience in consumer loan processing with specific knowledge in lending policiesReal Estate and mortgage/loan knowledge is helpful
    Interpersonal skills to represent the Credit Union in a positive way during member contactStrong attention to detail and accuracy requiredAbility to prioritize assignments and organize work efficiently, to handle a large volume of detailProficient in the use of Microsoft Office products (i.e. Word, Excel, Outlook)Strong computer skills and the ability to operate related computer applicationsAbility to develop and maintain effective working relationships with co-workersWilling to work Saturday mornings (rotational with other team members) If you are looking for a great opportunity to join a growing team, let's talk!We offer competitive compensation, an excellent benefits package and a fun, family-oriented culture.Prospera Credit Union is a local, member-owned financial institution in the Fox Valley area. We offer competitive compensation, an excellent benefits package and the opportunity to work in a fun, friendly, team-oriented atmosphere.Life is short. Work somewhere awesome!__ **Prospera Credit Union is an Equal Opportunity and Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran status. Information collected regarding categories as provided by law will in no way affect the decision regarding an employment application.Benefits for this 40hr/week role:
    Health/Dental/Vision optionsShort-term & long-term disabilityLife Insurance (1x annual)401(k)401(k) matchingEmployee assistance programPaid time offProfessional development assistanceReferral programRetirement planVoluntary supplemental term life insurance optionsVoluntary critical illness and accident insuranceWork Location:
    Corporate office @ Ballard - 4830 N Ballard Rd, Appleton, WI 54913Work Remotely:
    No

Keywords: Prospera Credit Union, Appleton , Consumer Loan Processor, Other , Appleton, Wisconsin

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