Loan Processor Jobs in Middleborough, MA

You Belong Here People's Credit Union is built on the belief that members and employees should feel a sense of belonging. Based on our Core Values, we created that feeling by design to offer you a genuine sense of community where you are supported personally and professionally. If you work here, you belong here. Your Values Align With Ours We hire employees whose core values match our own. We can train for competency, but if you're also genuine, trustworthy, earnest, empathetic, and resourceful, we want you on our team. Your Voice Is Heard Here, hierarchy doesn't drive impact - all voices are sought out, heard, and respected. We are listeners, then doers. Your Team Makes You Stronger Independent work is expected, but collaboration with compassionate accountability makes us all stronger. Working together, we all learn and grow. Your Future Is Bright We recognize that careers are not always straight lines. Professional development is a shared responsibility. We are committed to providing opportunities and resources to help you navigate your career paths and achieve your goals. Let's work together to foster growth and development in our organization. What we offer • Health and dental benefits through Blue Cross Blue Shield, plus vision benefits through VSP • 401(k) and Roth plan with a competitive employer match • Robust Wellness Program • Employee Recognition Program • Fun, food, and events Position Summary The Consumer Loan Processer / Funder works with the Consumer Loan Underwriters to fund and quality-control indirect consumer loan bookings, and scans related loan documents into COCC / iDentifi. He/she also reviews all direct (branch and web originated) consumer loan applications for completeness, reaches out to applicants for outstanding items and information, submits completed applications to the Underwriters, and informs applicants of loan decisions. The Consumer Processer serves as the primary borrower contact for all branch originated loans after the initial app is taken by the branch and until the branch reaches out to the borrower to select a closing date, and for all web originated loans, start to finish. Essential Responsibilities and Accountabilities Indirect Loans Performs loan and member account opening transactions to ensure proper disbursement of loan proceeds and funding of miscellaneous accounts and fees (i.e. credit insurance, title fees, VSI fees, GAP insurance, and other fees as required). Works directly with auto dealers, merchants, Consumer Lending, and branch staff to close consumer loans, clear related outstanding issues, and provide other support as necessary. Scans closed loan documents into COCC / iDentifi. Direct Loans Reviews and prepares all loan applications from the branches and the web for underwriting. Reaches out to the applicant for any required information and/or documentation. Serves as the primary contact for applicants of branch originated loans between the initial application and loan closing, and for all web originated loans, start to finish. Serves as the primary contact for branch staff regarding loans in process. Informs all applicants of loan decisions - approved, countered, declined. Prepares closing documents for branch staff and borrowers. Reviews payment protection options with borrowers when informing of approval and loan details. Completes all online DocuSign loan closings. Scans closed loan documents into COCC / iDentifi. Quality Control Reviews closed indirect and direct loan contracts and supporting documentation for completeness and to ensure quality of work and compliance with Consumer Lending policies and regulations. Reviews maintenance within core system to confirm accuracy. Reconciliation Reviews, completes, and submits all GL reconciliations for Gap and LendPro accounts to Finance. Key Behavioral Competencies Communicativeness Individuals effective at this competency understand the importance of continued, relevant, and consistent information exchange. They understand that communication is best through different channels and actively seek to provide information using the best medium. They take responsibility for information and ensure that individuals have accurate and current information. They take responsibility for ensuring that any communication is effectively received and that they close the loop on any communications that are unclear. High Standards Individuals who are effective at this competency create, communicate, model, and set expectations for standards that result in a high-quality product and performance. They are committed to best practices and continuously improve processes and products. They hold others accountable to the same quality that they hold themselves accountable to. Informal Communication Individuals effective at this competency are able in informal situations (phone calls, spontaneous gatherings, collaborative meetings) to effectively convey clear information. They are able to spontaneously absorb and process information, read body language and other subtle cues, and clearly communicate without preparation. They understand the importance of all communications (body language, words, facial expressions) and take ownership of their own communication. Relationship Building Individuals who are effective at this competency enjoy and are good at interacting with people and find commonalities to build strong relationships. They understand genuine relationships are critical for success and that it is important to devote time and energy to nurturing relationships and maintain them over time. They are able to use relationships in a genuine way to help get things accomplished. Dependability / Reliability Individuals effective at this competency understand the importance of consistently meeting commitments and quality of work. They are able to be trusted to be on-time, prepared, and will make decisions that are aligned with the organization's purpose, values and goals. They communicate when they cannot meet commitments and make plans to cover any commitments they are missing. Knowledge and Skills High school diploma or equivalent At least one year's experience with consumer and/or indirect lending processing or servicing Working knowledge of consumer and/or indirect lending practices Must meet registration requirements under the SAFE ACT to obtain the appropriate federal NMLS number Good verbal and written communication skills Strong mathematical and organizational skills Working knowledge of Word and Excel Ability to perform multiple tasks concurrently meeting required deadlines ADA Requirements Physical Requirements Perform primarily sedentary work with limited physical exertion and regularly lifting up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work additional hours whenever required or requested by management. Must be capable of regular, reliable, and timely attendance. Working Conditions Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.