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Consumer Loan Center Representative II

Company: Wescom Central Credit Union
Location: Anaheim
Posted on: May 4, 2022

Job Description:

POSITION SUMMARY: The Consumer Loan Center Representative II is responsible for providing loan servicing support to members, the branches, the Member Service Center and outside business partners, including dealers. The Consumer Loan Center Representative II is a highly motivated, exceptionally skilled worker who will handle escalated loan servicing functions, including administration and support of Collateral Protection Insurance (CPI), AutoNation Direct auto buying service, GAP and Major Mechanical Protection (MMP), Credit Disputes, DMV, and Member Assistance Program (MAP) transactions. Responsible for processing consumer loan applications received from various channels throughout the organization and contacting members regarding the loan funding process. ESSENTIAL POSITION FUNCTIONS: Maintains high level of service by providing Consumer Loan servicing support to the branches, the Member Service Center, the Collections Department, and members.
Proficient in direct and indirect auto loan transactions.
Processes loan applications received from the branches, the Member Service Center and the web.
Serves as a Consumer Loan Specialist and contacts members after a loan approval to provide assistance with loan transaction.
Responsible for funding all indirect AutoNation Direct auto loan transactions.
Review and follow up on AutoNation Direct contracts from dealers to ensure policies and guidelines are met and to assure maximum closing ratio.
Handles Consumer Loan related credit disputes received by the branches, the Member Service Center, mail and via the credit bureau agencies.
Processes all DMV titles and associated paperwork received from the branches, Member Service Center, Collections Recovery Team and in the mail. Ensures titles have been properly recorded and perfected and released to the appropriate parties when a loan is paid off in a timely manner.
Provides administrative support for processing and monitoring Collateral Protection Insurance. Works closely with the third party CPI administrator regarding premiums, refunds and claims.
Responsible for maintaining reporting of the AutoNation Direct indirect lending program, DMV titling system, CPI tracking and processing system, GAP and MMP products, and MAP transactions.
Responsible for assisting other employees within the department with escalated issues arising from Collateral Protection Insurance, MAP, GAP, MMP and Consumer Loan credit disputes.
Responsible for reconciling department GLs on daily, weekly, and monthly basis.
Liaison between the branches, the Member Service Center, and the Collections Department, regarding MAP, GAP, CPI and other DMV related questions or issues.
Responsible for ensuring that team is able to meet individual and team goals.
Coordinates the work of other employees or team members, including training new employees, assigning work, and checking the timeliness and quality of work.
Responsible for coordinating daily staff lunch and break schedules within the department to ensure proper coverage.
Responsible for handling all special projects or assignments as appointed by management.
Ensure that all daily work is completed on time and is completed accurately.
Effectively communicates with members, branches and dealers on a daily basis. EDUCATION AND EXPERIENCE: High School education required. Knowledge of Lending Regulations. A minimum of five years Consumer Loan servicing or DMV experience is required.
Registered Notary Public License required. OTHER SKILLS AND ABILITIES: Effective communication skills, professional conduct and appearance, knowledge of PCs and Microsoft applications, detail-oriented, good organizational skills, general knowledge of financial industry policies and operations, ability to work in a fast-paced environment and a proven ability to work well with others and be a team player. Must be articulate and be able to speak confidently with members and dealers to resolve loan setup and funding needs. COMPUTER SKILLS: Proficient in Microsoft Applications (Word, Excel, PowerPoint, Outlook). Experience with Symitar, Akcelerant Loan Originations System, FDI (paperless title system), SWBC FocusNet insurance tracking system, and e-OSCAR preferred. MATHEMATICAL SKILLS: Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rates, ratios and percent and to draw and interpret bar graphs. PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. *(Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)
While performing the duties of this job, the employee is frequently required to stand about 25% of the time; sit about 75% of the time; walk; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing functions of this job. *(Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)
The noise level in the work environment is moderately quiet. It is a non-smoking environment.
The above job requirements are representative of minimum levels of knowledge, skills, and abilities. The marginal functions have not been included. **Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This job description in no way implies that these are the only duties to be performed. An employee will be required to follow any other job-related instructions and duties as requested by the supervisor and/or management.

Keywords: Wescom Central Credit Union, Anaheim , Consumer Loan Center Representative II, Other , Anaheim, California

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