The entry level Loan Operation Specialist is primarily accountable for establishing and maintaining member relationships through accurate and timely lien perfection while simultaneously handling a wide variety of duties and responsibilities, which include: Perfect liens on all types of collateral and assure all documentation is in place to protect the credit union's interests according to established Credit Union policies, procedures, and legal, regulatory, state and agency guidelines.
Essential Functions The essential functions of this position may include, but are not limited to: Ensure the receipt and accurate and timely recording and filing of vehicle titles evidencing the collateral
position of the Credit Union; Maintain accurate and complete files and title records. Notify vendor to place security interest of Credit union on title document.
Ensure that the data on titles is accurate and up-to-date. Audit title inventory of electronic and paper title records and conduct lost title searches; research missing titles and resolve processing errors. Distribute and follow up on receipt of titles released for name changes, state registration changes, and vehicle ownership transfers. Prepare and process documentation required to place security interest of Credit Union on title document. Interact with and maintain open line of positive communication with members, an extensive
auto dealer base, various motor vehicle agencies in multiple states as well as other external agencies to ensure timely follow through on pending titles and problem resolution.
Prepare and send title work to appropriate agency for processing to perfect lien. Responsible for the recording and tracking of Uniform Commercial Code (UCC) filings for non-titled vehicles in various states to perfect the Credit Union's lien position. Generate paid loan reports; prepare and send title or applicable lien release notification to members who have completed their contractual obligations. Process loan payoff transactions for dealers, prepare and send title or applicable lien release to appropriate parties while ensuring the receipt of proper borrower authorization.
Communicate effectively with Borrowers and insurance companies regarding vehicle total loss claims and provide assistance to ensure that all required documentation including the receipt of payment is obtained prior to the releasing of any applicable liens. Provide professional, courteous, and knowledgeable loan related member service, including documentation requests and various other day to day issues. Assist in the development and implementation of ongoing process improvements to ensure the effectiveness of the overall title processing functions.
Perform other duties as assigned to contribute to departmental efficiency and work cooperatively with other departments to support each other in serving GCU members. Inspire teamwork, respect and effective communication in a diverse work environment. Demonstrate and uphold Greenwood Credit Union's core values and represent the Credit Union with a high level of professionalism, respectable image and positive demeanor. Acquire and demonstrate knowledge of GCU products and services. Maintain consistent compliance with credit union policies and procedures and regulatory laws applicable to position.
Complete annual regulatory compliance and required job related training as assigned; actively participate in job-related educational and professional development opportunities. Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, ability and/or physical demands required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. High school diploma or equivalent; Must be fluent in English; Bilingual a plus.
Proficiency in operating a PC and other standard office equipment Knowledge of and adherence to proper telephone etiquette Acquired knowledge of laws and regulations governing credit union operations as applicable to position. Accurate data entry and strong technical and mathematical skills Demonstrated proficiency in basic computer applications, including Microsoft Office and internet navigation Exceptional interpersonal, verbal and written communication and phone skills Self-motivated and capable of working efficiently and with accuracy in a dynamic, high volume environment with established productivity goals Must be adaptable to various competing demands and meet deadlines in a fast paced environment Developed organizational and time management skills Strong critical thinking, problem solving, and reasoning skills Strong attention to detail with ability to audit, identify and correct procedural errors.
Knowledge of and adherence to proper telephone and email etiquette Dependability and flexibility with work hours and work assignments Ability to work a minimum of forty (40) hours per week Commitment to team environment, member confidentiality and outstanding member service High degree of professionalism with positive and professional image and demeanor Consent to conduct pre and active employment background screenings EEO Statement Greenwood Credit Union is an Equal Opportunity/Affirmative Action Employer and therefore provides equal employment and advancement opportunities to all employees and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, interactionual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.
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