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Cal Coast Credit Union · 2 weeks ago

Funding Services Specialist I/II/III

San Diego, CA, US

Full-time

Onsite

Entry, Mid, Senior Level

$22.68/hr - $35.71/hr

2+ years exp

Cal Coast Credit Union is seeking Funding Services Specialists at various levels to process and fund new accounts and loans while providing excellent customer service. The role involves verifying income and employment, preparing loan documents, and ensuring compliance with policies and procedures to achieve organizational goals.

BankingFinancial ServicesLending

Responsibilities

Processes and funds consumer loans including autos, recreational vehicles, motorcycles, personal loans, and credit cards per credit union policies and procedures through various delivery channels

Maintains a thorough knowledge of consumer loan types, documents, protection products, credit union services, systems, delivery channels, policies, and procedures

Opens new accounts

Performs basic verification of income and employment, when necessary

Ensures stipulations are satisfied and application information is consistent with Loan Officer’s approval prior to booking

For collateralized loan fundings, processes and verifies DMV paperwork to ensure CCCU is listed as lien holder of for titling purposes

Completes internal checklists and forwards to Loan Servicing

Offers credit union protection products and ensures applicable qualifications are met with forms and disclosures are complete

Prepares new account and loan documents for in-branch or electronic signatures

Ensures all documents are accurate and complete

When necessary, generates barcodes and prepares membership and loan documents for imaging if not handled through the electronic process

Disburses loan proceeds

Answers the Funding Services phone line to assist Borrowers, internal staff, and Dealers

Makes outgoing calls to Borrowers, Dealers, and Lien Holders

Communicates with Borrowers and Dealers via email and electronic chat feature

Meets/exceeds established service levels and organizational goals per the credit union’s Operating Plan

Performs necessary steps to ensure BSA/AML compliance to reduce risk to the credit union

Assists with updates to department procedures and/or forms when processes change or efficiencies are realized

Assists with training materials and scheduled shadowing sessions for branch and MSC staff within the area and at off-site branch locations

Regularly sustains high volume monthly production with superior accuracy

Assists other Funding Services staff with review of more complex income documents

Makes recommendations for Funding Services process efficiencies

Implements approved changes, trains department staff, and monitors progress

Takes ownership of difficult member requests and proactively resolves any issues or delays

When appointed, serves on special department or credit union project teams

Qualification

Lending experienceLending terminologyConsumer loan processingEffective communicationOrganizational skillsEmotional intelligenceActive listeningCreative problem-solvingDetail-oriented

Required

Experience as acquired from a high school diploma or equivalent

Knowledge of lending terminology and documents

Ability to communicate effectively; strong verbal and written skills required

Must be organized and detail oriented with the ability to work well under pressure

Ability to use a personal computer and word processing software

Ability to operate business machines such as computer, printer, fax, copier and telephonic devices

Ability to arrive for work on time, follow directions from a Manager or Supervisor, interact effectively with co-workers, follow policies and procedures while working independently, and embrace coaching from management when necessary

Funding Services Specialist I: Minimum of two (2) years of operations/lending experience within a financial institution or demonstrated superior performance

Funding Services Specialist II: Minimum of seven (7) years of operations/lending experience within a financial institution or demonstrated superior performance

Funding Services Specialist III: Minimum of twelve (12) years of operations/lending experience within a financial institution or demonstrated superior performance