Patelco Credit Union

  • Consumer Lending Funder

    Job Locations US-CA-Pleasanton
    Req No.
    2018-3026
    Category
    Consumer Lending
    Type
    Regular Full-Time
  • Overview

    We’re here to help people in communities throughout Northern California build financially healthy lives. We do this by being attentive and partnering with our members to understand what is financially best for them. We thrive on change, and we put people first. If you’re looking to use your skills and knowledge to make a difference in the lives of others, we look forward to hearing from you.

     

    About Patelco Credit Union

    Patelco is a not-for-profit credit union, serving the financial needs and aspirations of more than 300,000 members. What we earn, we return to our members in savings from lower loan rates, fewer fees, and personalized service that focuses on transparency, simplicity, and trust. Our mission remains the same as when we started in 1936, to provide products, services, education and expertise that will empower our members to rise up and achieve financial freedom. 

     

    The Opportunity

    Patelco Credit Union is looking to fill the position of Consumer Loan Funder I.  Responsibilities will include the processing and disbursement of all consumer loan products from various channels to achieve credit union goals. This person will work with the Consumer Underwriters, branches and Member Contact Center representatives.   The successful candidate must display a high level of integrity, communication, initiative, and problem resolution skills.  This person must have strong time management, and organization skills to manage a large pipeline of loans.  

    Responsibilities

    • Manage pending consumer loan applications for Patelco financing with quick follow up to  members
    • Analyze income verification, read tax returns and understand proof of residence
    • Verify and update applicant(s), collateral, rate and loan term information on Loan Operating System-Lending360 (L360) prior to booking loans
    • Display professional customer service phone management when following up with branches or members
    • Consistently adhere to department level standards for funding consumer loans by end of business day
    • Identify irregularities and fraud, address conflicts with member/third parties (dealerships) and advice manager and Internal Audit of suspicious findings
    • Provide thorough information for consumer underwriters on loan applications needing additional review
    • Responding promptly and professionally to branch/department inquiries
    • Stay current on internal Patelco and industry changes that affect tasks related to the funding of consumer loan requests, comprehending all loan policies, and following all loan procedures
    • Complete various tasks as needed including but not limited to processing of Adverse Action letters, Disbursement Letters, Negotiable controls and audits
    • Ensuring applicable checklists documents are in order and uploaded to Lending360 at time of funding
    • Perform other duties as assigned
    • Achieve and maintain department goals related to quality and production
    • Display sense of urgency while ensuring proper steps have been taken to maintain data integrity

    Qualifications

    • Must have HS Diploma/GED
    • Two year minimum of consumer lending experience, loan funding preferred
    • Possession of strong customer service and Debt protection, GAP and Mechanical Breakdown Protection sale skills
    • Outstanding oral and written communication skills

     

    Competencies Required

    • Well organized, team-player, self-motivated and flexible with working hours based on volume
    • Ability to multi-task and detail oriented
    • Demonstrated ability and desire to thrive in a challenging fast paced work environment
    • Demonstrated ability to adhere to Patelco’s Core values including service passion, integrity, teamwork, resourcefulness, engagement, and empowerment
    • Ability to mathematically compute rate, ratio and percentages
    • Ability to understand and define obstacles, collect data, establish facts and draw valid conclusions
    • Take responsibility for work assignments
    • Demonstrate ability to take constructive feedback as a tool to make improvements
    • Maintain positive engagement to complete required and ongoing training for compliance and personal development

     

    Physical Activities/Requirements

    • Ability to sit for extended period

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