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Consumer Lending Processor I - Sensitive Profile - Part Time-1

Company: USAA
Location: Chandler
Posted on: May 13, 2022

Job Description:

Purpose of JobThis is a part-time, remote position (30 Hrs), supporting the following locations; San Antonio, TX., Colorado Spring, Co., Phoenix, Az., and Tampa, FlThis job profile is designated as a Sensitive Position. Sensitive Positions are those positions in which individuals have the authority and ability to conduct in-scope activities (movement of USAA or Member funds) as defined within the Enterprise Sensitive Positions Mandatory Time-Away Compliance Policy. Employees in Sensitive Positions are required to fulfill a Mandatory Time-Away (MTA) requirement of 10 consecutive business days each calendar year. Within defined guidelines and frameworks closes and fulfills loans on a national basis from point of application through final loan fulfillment. Serve members by reviewing and evaluating loan files for qualification and fulfilling the loan closing process. Communicate with members, dealerships, financial institutions, and other third parties to ensure all loans close and fulfill in accordance with bank, investor, and regulatory guidelines.** Work Hours Monday - Friday, between 1:00 pm - 7:00 pm CST.****WORK AT HOME REQUIREMENTSMember contact employees must have access to minimum broadband internet connection standards as defined by USAA. Current requirements are as follows:Bandwidth must have minimum capability of consistent speeds of 25 Mbps download and 5 Mbps upload. Wireless and Satellite coverage is currently not approved. Must be able to provide workspace at home that is safe, suitable for work, and provide a distraction free environment from background noises that may distract a member or internal USAA customer**Job Requirements

  • Identifies and manages existing and emerging risks that stem from business activities and the job role.
  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.
  • Follows written risk and compliance policies, standards, and procedures for business activities.
  • Serves members by reviewing and evaluating loan product files for qualification and fulfillment of the loan closing process
  • Serves as a resource to team members on escalated issues; researches and resolves moderate to complex consumer lending issues; May handle escalated calls.
  • Consistently and effectively contributes to team / organization goals.
  • May lead and coordinate testing efforts, process improvement pilots, and projects.
  • Evaluates loan files to ensure loan meets credit criteria and, if necessary, communicate with appropriate parties to verify customer payoffs, obtain and/or update purchase orders, title applications, and dealer electronic checks.
  • Provides guidance on complex issues or discrepancies/exceptions identified.
  • Verifies documentation for funding in accordance to compliance, legal, regulatory, and investor guidelines.
  • Lien Perfection follow-up duties; prepares appropriate documents and initiates outbound calls to members and/or third-party stake holders as necessary for lien perfection purposes.
  • May resolve loan issues by completing a variety of tasks such as but not limited to general ledger entries, ticket approval, accuracy of wires, release of monetary funds, and reconciliation of general ledgers.Minimum Experience:
    • Bachelor's degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
    • 2 years of customer contact experience in financial services.
    • Proficient knowledge in all loan types and demonstrated proficiency in Consumer Lending Process.
    • Demonstrated knowledge and application of Bank loan products, policies, consumer lending laws and regulations, and understanding of documentation relating to consumer loans.
    • Proficient knowledge of MS Office and applicable systems.Preferred Experience:
      • Demonstrated advanced communication skills
      • Developed analytical problem solving and time management skillsWhen you apply for this position, you will be required to answer some initial questions. This will take approximately 5 minutes. Once you begin the questions you will not be able to finish them at a later time and you will not be able to change your responses.Compensation:USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market position. The salary range for this position is: $43,680.00 - $65,700.00.Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.Geographical Differential: Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average. Shift premium will be addressed on an individual-basis for applicable roles that are consistently scheduled for non-core hours. Benefits:At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.Please click on the link below for more details.USAA Total RewardsRelocation assistance is not available for this position. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Keywords: USAA, Chandler , Consumer Lending Processor I - Sensitive Profile - Part Time-1, Other , Chandler, Arizona

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