Indirect Funding Specialist

The Indirect Funding Specialist is responsible for creating an exceptional member & dealer experience by processing and funding Indirect loans in a timely and accurate manner. Consistent with established loan policies, procedures, laws and regulations, while maintaining credit union quality, security and efficiency. Audits and analyzes packages to ensure the accuracy and completeness of information, verifying that documents meet underwriting stipulations. Confirms that all credit union requirements are met, funds loans in loan operating system, completes balancing duties, and generates follow-up letters. Provides seamless service and professionalism to members, dealerships and staff through written and verbal communication. Responding to inquiries, fund delays and supporting the underwriting team. High volume, faced-paced, dynamic hybrid environment. Supports our sales and service culture while reinforcing member advocacy environment. Must be able to work a flexible schedule Monday thru Saturday. The job routinely uses standard office equipment such as computers, phones, printers, copiers, fax machines and filing cabinets. The position requires manual dexterity, the ability to lift files and open filing cabinets. The position requires bending, stooping, or standing as necessary.

Compensation:

Minimum $ 44,724

Maximum $63,892

Applicant with desired mix of Knowledge, Skills and Abilities could anticipate $23.03 - $24.57

·       Contact dealers and/or members within established service level agreements to obtain needed documentation.

·       Process Indirect loan applications within established guidelines, policies, procedures and timelines.

·       Provide an exceptional experience to our members and staff in alignment with Harborstone's core values.

·       Review each loan application to ensure that all required information has been documented.

·       Request and review required documentation to meet underwriting stipulations.

·       Review and verify income documentation.

·       Facilitate the clearing of all underwriting conditions by working with branch staff, dealers, third party vendors, and members.

·       Research and resolve internal and external member issues-in a timely, consistent and professional manner.

·       Serve as a lending point of contact for dealers.

·       Actively promote and contribute to the achievement of organizational goals.

·       Adhere to all related compliance requests and requirements.

·       Follow all safety and security guidelines to properly safeguard member and organization assets.

·       Identify efficiency improvements in all operational aspects of the department.

·       Recommend and help develop and implement new policies and procedures.

·       Completes all necessary testing for new system releases and/or updates.

·        Embrace ongoing education and learn/apply new skills and software applications.

·        Maintain up-to-date and accurate filing system.

·       Regular attendance and punctuality arc essential functions of the job

·       Perform other job duties as assigned.

• Work as part of a hybrid team through the use of multiple technologies, tactics, and approaches.

·       Excellent verbal, written and interpersonal communication skills with the ability to explain programs, loan terms, features, policies and benefits to members and business partners.

·       Strong relationship building and teamwork skills.

·       Excellent attention to detail.

·       Excellent organizational and time management skills with ability to work independently and manage multiple priorities.

·       Excellent analytical and problem-solving skills.

·       Solid knowledge and understanding of Harborstone financial products and services.

·       Proficient in MS Office (Outlook, Excel, Word).

·       Ability to calculate annual percentage rates, debt-to-income ratios, loan values, discounts, interest, commissions, percentages, and volume.

·       Knowledge of federal and state lending regulations.

·       Ability to maintain confidences.

·       Multi-lingual capabilities to include Spanish are a plus.

·       Bondable

Required Education/Experience:

Three years' processing or funding experience as a processor of Indirect loans in MeridianLink or Origence systems in a financial institution preferred. High school diploma; additional education and training preferred.

Physical Considerations:

·       Must be able to effectively read, write, and listen as well as communicate verbally, electronically and in written form with employees, members, vendors, and the general public as required.

·       The job routinely uses stand office equipment such as computers, phones, printers, copiers, fax machines and filing cabinets.

·       May be asked to handle, move, and/or carry large boxes of supplies weighing up to 50 pounds.

·       May require stooping, bending, squatting, and reaching for limited periods of time.

·       May require sitting and standing for long periods of time.