Consumer Lending Flex Specialist I/II/III

JOB Objective:

Under direction of the Vice President of Consumer Lending, this position supports consumer loan funding for the Consumer and Indirect Lending channels. It is responsible for processing and funding loans by performing audits, verifying employment and income, resolving funding delays, creating new accounts and loans, disbursing funds, and preparing documents for imaging. The role delivers excellent service consistent with credit union standards and ensures compliance with established policies and procedures to support organizational goals.

Supervisory responsibilities (reporting structure):

The incumbent reports directly to the Vice President of Consumer Lending. There are no direct reports to this position.

NATURE & SCOPE: (daily, weekly, monthly, and yearly tasks, duties and responsibilities):

Consumer Lending Flex Specialist I

• Acts as a subject matter resource and cross-functional partner for both Consumer Direct and Indirect Lending funding operations.
• Per established credit union policies and procedures, processes and funds consumer loans submitted through various delivery channels to include autos, recreational vehicles, motorcycles, personal loans, credit cards, and indirect autos received from participating Dealers. Opens new accounts for non-members according to the established guidelines, when necessary.
• Demonstrates the ability to independently perform, support, and troubleshoot funding activities across both Consumer Direct and Indirect Lending, while providing coaching, guidance, and technical expertise to staff, dealerships, and business partners.
• Exercises independent judgment within established lending policies, procedures, and funding authority limits to evaluate funding exceptions, resolve documentation deficiencies, prioritize multiple funding priorities, and determine appropriate courses of action.
• Escalates or recommends solutions for situations outside established parameters while balancing member service, operational efficiency, and risk mitigation.
• Handles incoming and outgoing phone calls to assist Borrowers, internal credit union staff, Leasing Companies, Lien Holders, and Auto Dealership Staff. In addition, clearly communicates via alternate channels such as email and web chat when appropriate.
• Performs thorough pre-funding reviews and pre-funding package audits to mitigate risk and avoid Dealer or Borrower misrepresentation. Gathers required items and reviews thoroughly to ensure all documentation is present, accurate, and authentic. Confirms that information is consistent with Loan Officer Approval, verifies that DMV paperwork reflects CCCU as Lien Holder of collateral, and satisfies all stipulations prior to funding. In cases where items are missing or inconsistent, makes contact to obtain or sends funding delay notifications.
• Performs basic Proof of Income (POI) via non-tax return items such as a pay stub or direct deposit. When necessary, performs Verification of Employment (VOE) inquiries by phone, email, or fax.
• Offers credit union protection products. Ensures applicable qualifications are met, completes forms and disclosures, issues policies through appropriate vendor sites, and collects funds for General Ledger deposit.

Consumer Funding Flex Specialist II (all of the items above, plus):

• Funds consumer loans included in the credit union’s pilot loan programs, including Go Green, SafetyLine, etc. Works with dedicated program sponsor or Contractor to ensure loan requirements are met; images all documentation.
• Gathers needed documents for ongoing monthly Dealer Due Diligence. Maintains report and images received items using appropriate barcodes.
• Assists with the review and/or development of training materials and scheduled shadowing sessions for Branch or MSC staff. Participates with materials review and lending-related training courses facilitated by L&QS.
• With management’s approval, places department supply orders remaining within pre-established budget guidelines.

Consumer Funding Flex Specialist III (all of the items above, plus):

• Performs business development activities by proactively contacting Branch or MSC staff by phone, email, or in person to promote collaboration on daily operations, training, or special credit union projects. For indirect lending, performs business development activities by proactively contacting dealership staff by phone, email, web chat, or in person to increase loan funding volume.
• Obtains incoming negotiated DYD checks. Reviews presented draft to ensure compliance with approved application; approves or rejects payment. Gathers required items, funds loan, and images all documentation.
• Participates in inter-departmental cross-training activities. Observes, takes notes, reviews provided procedures, and be able to assist in alternate job duties during high-volume or short-staffed time periods, as needed.
• Works with potential dealerships for inclusion in CCCU’s in-house Indirect Lending program. Gathers documents, completes Due Diligence Checklist, analyzes data, and forwards to lending management for approval.
• Participates in department projects and process improvement initiatives that enhance service quality, operational efficiency, lending volume and member experience.
• Exercises responsible stewardship of organizational resources and provides recommendations that contribute to department efficiency and operational objectives.
• Regularly sustains high volume monthly production with superior accuracy.

Education, skills, & abilities (qualifications and experience required for this position):

• Knowledge of lending terminology and documents. Knowledge of DMV processes and documents preferred.
• Must be organized and detail-oriented with the ability to multitask and work in a high-paced environment.
• Ability to use a personal computer with experience in word processing and data entry software. Also must be able to effectively operate a printer, fax, copier, scanner, and phone.
• Ability to communicate effectively to include strong verbal, listening, and writing skills.
• Must arrive at work on time, follow directions from a Manager or Supervisor, follow policies and procedures while working independently, and embrace coaching from management when necessary.
• Ability to demonstrate sound reasoning and judgment while performing all aspects of job duties.
• Ability to interact effectively with co-workers and resolve conflicts in a tactful manner.
• Display a positive attitude and professional appearance at all times.

Consumer Funding Flex Specialist I (all of the items above, plus)

• The experience acquired from a high school diploma or equivalent plus two (2) or more years of operational or lending experience in a financial institution OR demonstrated superior performance.
• Experience with DocuSign and MeridianLink (Loans PQ) preferred.

Consumer Funding Flex Specialist II (all of the items above, plus)

• The experience acquired from a high school diploma or equivalent plus four (4) or more years of consumer lending experience in a financial institution OR demonstrated superior performance.

Consumer Funding Flex Specialist III (all of the items above, plus)

• The experience acquired from a high school diploma or equivalent plus eight (8) or more years of consumer lending experience in a financial institution OR demonstrated superior performance.
• Previous experience in performing process oversight to determine best practices and/or efficiencies; must be able to make recommendations to management.
• Ability to clearly and effectively train branch and department staff.

MAJOR ACCOUNTABILITIES (major responsibilities of the position):

• Assist Borrowers, internal credit union staff, Dealers, Lien Holders, or Sales and Finance staff at participating dealerships through communication by phone, email, web chat, or in person.
• Receives, gathers, and reviews funding packages and documents to ensure completion, accuracy, and consistency with Loan Officer approval. Satisfies Loan Officer stipulations.
• Performs verification of income and employment, when necessary.
• Per credit union policies and procedures, opens new accounts and funds loans.
• Maintains a thorough knowledge of credit union loan types, products, documents, services, policies, and procedures.

Salary Range (hourly):

CLFS I - $25.2199 - $31.5249

CLFS II - $28.5658 - $35.7073

CLFS III - $32.3870 - $40.4838