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Golden 1 Credit Union · 3 months ago

Business Member Support - Business Account and Loan Servicing Specialist

8945 Cal Center Dr, Sacramento, CA 95826, USA

Full-time

Hybrid

Mid Level

$27.56/hr - $30/hr

3+ years exp

Golden 1 Credit Union is seeking a Business Account and Loan Servicing Specialist to provide exceptional service and support to business members. This role involves assisting account holders with inquiries related to their accounts and loans, while proactively addressing member needs and ensuring compliance with regulations.

BankingFinanceFinancial Services

Responsibilities

Proactively identify and resolve member issues to ensure a seamless experience. Utilize problem-solving skills and company resources to troubleshoot and resolve member concerns efficiently

Foster a positive and engaging work communication skills, attention to detail, and a strong commitment to accuracy and compliance with laws and regulations related to credit union compliance

Review, analyze and report member onboarding processes or challenges that require research, evaluation, and selection of alternatives

Engage in conversations centered around business member’s needs, specifically focusing on credit, deposit, and servings process needs of the member assist in growing their business

Reaches out to members within 2 days of initiating their membership and follows up in 2 weeks for member Onboarding process including demos of systems

Process all complex requests submitted through the Business Account and Loan Servicing Queues, email boxes, and faxes

Review queue and ensure all workflows are in SLA. Expedite service requests as needed

Assist in compiling data to help complete periodic audits of business lending operations, documenting compliance with state and federal regulations and policies and procedures

Resolve business member issues relating to online banking, business deposit products, business lending products and money movement services products

Maintain and effectively leverage a thorough knowledge of Golden 1 Credit Union business deposit and loan policy and procedures

Identify problems that create inefficiencies and recommend operational improvements within all areas of online account opening processes

Assist internal business partners in resolving inquiries or issues relating to Commercial and Business Lending servicing matters

Ensures confidentiality of all member and credit union information

Maintains current knowledge of all Golden 1 products and services, as well as of policies and procedures

Organize, prioritize, and perform multiple tasks simultaneously while being detailed oriented

Perform general and complex loan maintenance, which may include rate changes and payment corrections

Work, create and analyze reports necessary to ensure work is completed according to required timelines, procedures, and regulations. Perform necessary research and actions based on report findings, notifying management of status, any issues, and proposed resolutions. Field inbound calls and member inquires

Modifying or setting up ACH forms for Commercial Real Estate (CRE), loans, and credit cards

Perform complex operational and member support initiatives within the BMS area

Meet production deadlines daily while cognizant with quality and quantity in a fast-paced environment

Must demonstrate functional knowledge of all compliance courses on an annual basis and must review and pass all regulatory tests and courses pertaining to their job functions including internal credit union policies

Maintain effective communication with all Credit Union employees to ensure coordination and exchange of information for accomplishing Credit Union goals

Participates and contributes to a positive teamwork environment, which encourages team commitment to corporate, division, and departmental goals

Responsible for maintenance of the Business Change Forms, including new signers or account maintenance

DNA Posting Deferred Fees and Interest for new CRE loans

Examining any inquiries related to the California Consumer Privacy Act (CCPA)

Assisting with UCC filings

Perform additional duties as assigned

Qualification

Business Loan ServicingCommercial Real EstateBusiness Account ServicingOrganizational StructuresLoan Origination SystemCompliance RequirementsAnalytical SkillsInterpersonal SkillsTime ManagementCommunication SkillsAttention to Detail

Required

Bachelor's degree or equivalent work or educational experience in servicing business and commercial loans required

A minimum of three years of experience in business document review is required, including areas such as Business Account and Loan Products

Proficiency in Commercial Real Estate, Commercial and Industrial, Business Loan Servicing/Processing/Documentation, and Business account servicing is also required

Extensive knowledge on verifying the business's organizational structures

Excellent PC skills, with the ability to learn and train in new software

Excellent interpersonal skills with the ability to present a professional image to management, staff, and outside contacts

Solid understanding of Commercial Loan Products; including Construction and Commercial Loan servicing required

Familiarity of business products, services and compliance requirements required

Excellent organizational, time management and communication (verbal and written) skills

Ability to work independently and as a team member, while using discretion in decision making and sound judgment in problem solving

Ability to manage multiple tasks and demands, to work independently and as a team member, and to meet deadlines and effectively adjust to changing priorities

Excellent analytical, organizational skills and attention to detail

Ability to calculate figures and amounts

Understand the use of the automated loan origination system

Operate on standard Microsoft programs and other computer operations

Ability to effectively communicate policy/procedures to staff to assist the manager with training

Excellent loan serving experience with the knowledge of VOD, letter of credit, multi-phased construction, borrowing based lending, and multiple collateral properties

Full-time hours required, with additional hours as necessary. Including weekends

Must be able to effectively communicate both orally and in writing to discuss Golden 1 products and services with members and potential members and to resolve member concerns and conflicts

Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone