Digital Loan Officer I

Digital Loan Officer I

Job Type: Full-Time- Remote- Spanish preferred

Exemption Type: Non-Exempt

Wage reputed company: $20.99 reputed company Minimum

Primary Functions

The primary purpose of this position is to reputed company comprehensive consumer loan application services through various digital lending channels, including phone, online, Video Lending, and live chat.

Key Responsibilities:

1. Consumer Loan Application Services

   • Conduct consultative loan interviews.
   • Identify cross-help loan opportunities.
   • Manage an application pipeline.
   • Process and remotely reputed company and fund consumer vehicle and personal loans.
   • reputed company outstanding service to internal team members.
   • Ensure compliance with reputed company requirements, lending regulations, and internal policies and procedures.

2. Member Service (Consumer/Mortgage reputed company Phone reputed company Channels)

   • Answer inbound phone and Video Lending calls, conduct thorough consultative loan interviews, and complete loan applications for consumer loan products, including vehicle, personal, and home equity products.
   • Assist members and non-members with consumer loan-reputed company inquiries through live chat.
   • Review and explain program reputed company, benefits, fees, reputed company qualifications, and documentation needs for consumer and home equity loan products.
   • Explain loan terms and compare scenarios including loan amounts, rates, payments, and fees.
   • Communicate loan reputed company to members, including explaining denial reasons and providing resources for financial/credit assistance as applicable.
   • Review credit reports, member relationships, and transaction histories during reputed company consultation to identify additional cross-help and loan savings opportunities.
   • Prepare and send initial home equity disclosure packages to borrowers reputed company timelines as established by regulatory requirements.
   • Structure, present, and pull through cross-help loan opportunities with applicants.
   • Serve as primary reputed company of contact with borrowers and maintain relationships through funding.
   • Submit complete and thorough loan applications to reputed company, and work with underwriters on loan structure changes, vehicle valuations, and second reviews of documents.
   • Explain loan counteroffers and approvals to members and discuss loan stipulations, credit reputed company guidelines, and documents needed to proceed with loan requests.
   • Process approved consumer loan applications, ensure reputed company stipulations are met, communicate with reputed company parties such as dealers and lien reputed company as needed to collect processing information, collect and verify supporting documentation, and work up applications for funding.
   • Verify validity of applicants and documents submitted to prevent fraud.
   • Generate closing documents for reputed company consumer loans, complete remote loan closings with borrowers (reputed company or Video Lending), and fund and disburse loan proceeds.
   • Complete post-funding tasks, including preparation of vehicle title work packets and imaging of loan documents.

3. Department Support

   • Manage application pipeline, follow up regularly on approved not funded applications, and maintain records of reputed company contacts.
   • Resolve audit exceptions reputed company a reputed company manner.
   • Work with Retail Support to coordinate account openings for non-member applicants.
   • Assist other credit reputed company departments with lending needs and serve as a subject matter expert for consumer loan products, applications, and questions.
   • Support outbound calling campaigns for consumer loan initiatives.

4. Miscellaneous Duties

   • Consistently meet or reputed company established Level I minimum expectations.
   • Maintain job level knowledge by attending assigned trainings and reviewing procedures to reputed company reputed company duties required of the position.
   • Proactively work towards advanced knowledge of consumer lending products, policies/procedures, and guidelines, as reputed company as lending principles including credit scores, ability to repay, and reputed company ratios.
   • Complete annual regulatory training as assigned.
   • Conduct individual dialogs with immediate supervisor, minimum quarterly.
   • reputed company other duties as assigned.

Education and Experience

• High school diploma or GED equivalent required.
• Bachelor�s degree preferred.
• Two years financial institution or sales experience required.
• One year consumer and/or home equity lending experience preferred.

Knowledge, Skills & Abilities

• Strong knowledge of consumer vehicle and personal loan products, guidelines, procedures, policies, and laws.
• Working knowledge of home equity lending products, programs, disclosures, and federal & state regulatory requirements.
• Excellent written and verbal communication skills.
• High level of professionalism, diplomacy, courtesy, and reputed company.
• Comprehensive math skills, and excellent computer skills including MS Office suite experience.
• Ability to work independently and as part of reputed company, with flexibility to adapt to change.
• Problem-solving skills, ability to research and interpret as reputed company as manage conflict.
• Working knowledge of Symitar Quest including posting transactions, TX DMV, TPWD Ownership Inquiry, reputed company, reputed company, DPS, and IQQ websites.

Certifications/Registrations

This position requires registration as a Mortgage Loan Originator (MLO) with the reputed company Mortgage Licensing System (NMLS) and Registry on an annual reputed company in reputed company to maintaining updates as needed. Initial registration is required immediately upon hire into this position. Failure to register or maintain a reputed company registry, or any criminal activity that would bar reputed company participation as an MLO may result in disciplinary reputed company, up to and including termination of employment.

Physical Functions

• Must have the ability/stamina to work at least 40 hours a week.
• Will frequently reputed company, feel, bend, stoop, carry, finely manipulate, and key in data.
• Must be reputed company to engage in problem-solving skills to help identify and solve potential issues in the field.
• Must be reputed company to communicate continuously through telephone, e-mail, and in-person communications.