Easter Seals Jobs

Title: Lending Support Specialist IIDepartment: Lending SupportReports to: Lending Support SupervisorFLSA: Non-ExemptJob Grade: 8 Job Purpose: Provide support and guidance to members, credit union personnel, and third parties related to lending. Ensure accurate and timely operations of the Credit Union’s post-closing loan processes, while providing excellent service to both members and Credit Union staff. Essential Job Results:JOB SPECIFIC RESULTSProvide Credit Union support for our lending products including, but not limited to, Warranty, GAP, Debt Protection, Depreciation Protection, and Credit Life/Disability, by processing all claims, working with members, posting payments, reporting, contacting third-party providers, and GL reconciliations. Engage appropriate staff, member or third-party when necessary to ensure a streamlined experience for the member.Review Final Title Opinions on all mortgage secured loans to verify and ensure accurate lien position. Follow up with members, attorneys and/or clerk's offices directly when necessary to validate the credit union's lien position.Facilitate First Mortgage servicing by gathering loan documents, completing an audit check, preparing fundings, retaining images, tracking collateral position, and forwarding to Mortgage Servicer. Process First Mortgage monthly and escrow payments as needed and perform account reconciliation for Mortgage Payments monthly. Reach out to members when there are any issues or discrepancies with payments made to the loan servicer.Handle the processing of returned ACH loan payments in a timely manner when received from Deposit Operations. Also responsible for verifying returned HELOC checks; contact members when necessary to ensure understanding of the process and accurate check usage.Perform Escrow management for the credit union by mailing notices, disbursing payments, performing annual analysis, verifying against the member’s account, and answering support questions. Monitor all upcoming distributions; contact insurance companies, county sheriff's offices, and members when necessary to ensure that all escrowed invoices get paid accurately and timely.Facilitate the imaging and retention of mortgage documents by receiving and imaging payoff documentation, original mortgages, and loan files.Ensure Credit Union compliance related to Credit Disputes. Research and respond to all credit disputes received, either directly from the member or via E-Oscar. Perform due diligence to ensure that accurate information is being reported in accordance with the CFPB’s guidelines.Ensure Credit Union compliance related to adverse actions. Perform audits on a sample portion of the daily adverse actions produced to ensure accuracy of the documents, and efficiency in complying with delivery deadlines.Oversee the processing of all payment adjustments, reversals, subordinate actions, off cycle transfers, post-closing buy downs and credit life/disability purchases, and any file maintenance requests received from all Credit Union staff. Ensure the accuracy and compliance of these requests and the forms used to make the request and perform needed research and calculations necessary to complete the requests accurately. Deliver a quality member experience while adhering to Credit Union compliance requirements.Support the Credit Union’s Student Loan partner to address questions and complete daily duties involved in with reporting.Offer Support as needed by addressing questions and researching issues relating to any post-closing lending concerns.Provide lending related reporting and analytics.Assist with lending related projects by working with the project management team and/or upgrading the Credit Union’s loan origination systems. GENERAL MEMBER CONTACT STAFF RESULTSMaintains account records by updating member information as necessary. GENERAL STAFF RESULTS Maintains member and employee confidence and protects operations by keeping information confidential and sharing on a business-related as-needed basis only.Engages in problem resolution by clarifying the member’s and/or employee’s complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution; and keeping the supervisor informed of problems and solutions.Complies with UKFCU policies and procedures by enforcing and adhering to internal UKFCU procedures and board-established policies.Complies with federal, state and local regulations and legal requirements by enforcing and adhering to requirements.Maintains professional and technical knowledge by maintaining an awareness of competitors’ rates and terms, industry trends and technology; attending staff meetings; identifying opportunities to attend seminars that enhance skills and maintain knowledge of new products that could assist in improving operational effectiveness; reviewing professional publications; establishing personal networks; benchmarking state-of-the-art practices; and participating in professional societies.Contributes to a team effort by accomplishing corporate and individual goals and other related results as needed.QualificationsMINIMUM REQUIREMENTSThree to five years of similar or related experienceHigh school diploma or equivalentAdvanced Excel functions preferredAbility to communicate with others one-on-one, fielding questions and responding to complaintsStrong verbal and written communication skillsAbility to take initiative and prioritize tasks; good time-management, organizational, and problem-solving skills.Ability to define problems, collect data, establish facts and draw conclusions while dealing with a variety of concrete variablesAbility to write reports, correspondence and proceduresAbility to work independently 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 regularly required to sit and stand; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and talk or hear. The employee frequently is required to walk and stand. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. WORK ENVIRONMENT:The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee will be required to work indoors in a climate-controlled office setting. The noise level in the work environment is usually moderate. MENTAL DEMANDS:The mental characteristics necessary to competently perform this job include the occasional need to be persuasive, use good judgment; and the continuous need to use auditory perception, memory, and reasoning ability. * The intent of this job description is to provide a representative summary of the types of results that will be required of the positions given this title and shall not be construed as a declaration of the specific responsibilities of any position. Employees may be requested to perform job-related tasks other than those specifically outlined in this description. ___UKFCU is an equal employment opportunity employer and is committed to providing employment opportunities to minorities, females, veterans, and disabled individuals. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or status as a protected veteran. UKFCU invites you to review the current "EEO Is the Law" poster as part of the application process. A link to the most current posters is here. Please also see the 2015 Supplemental EEO Poster here. The Credit Union leadership recognizes that to achieve its vision and mission, it must embed the values of Diversity, Equity, and Inclusion (DEI) in all aspects of the Credit Union’s work. Together, the staff, membership and communities are diverse and as such, the Credit Union must reflect and respect that diversity. The Credit Union’s leadership recognizes and believes when an organization’s leadership and staff are representative of the people that it serves, it can better meet its vision and mission. Further, the Credit Union leadership believes that it benefits when diverse perspectives are represented, respected and included among the discourse and decision-making that takes place at the Credit Union, and with and among its staff, membership and communities. Applications are only accepted through our online application system. However, if you need assistance with any part of the application process or are unable to apply online because of a medical condition or disability and need an accommodation, please contact recruiting@ukfcu.orgto let us know the nature of your request. Please note, UKFCU accepts only employment applications that are complete and received by the Office of Human Resources by the specified deadline for each opening. This position allows for an optional hybrid work arrangement which includes a combination of both in-office and remote work arrangements. (Maximum of two days remote, three days in-office). To be eligible for the program, employees must complete a minimum of 6 months of continuous, regular employment, be in good standing, and submit a formal hybrid work application prior to being eligible for hybrid work, pending supervisor approval. Work schedules will be established by the employee's supervisor according to business needs. Working locations and schedules may be altered at management discretion.