Consumer Loan Processor (Indirect)

Consumer Loan Processor (Indirect)

Join our team and begin writing your next success story with us. If you're looking for a place where culture and leadership matter, look no further. Whether you work here, bank here, or are just getting to know us - this is what it feels like to be part of Jovia.

We are Jovia Financial Credit Union. Our name evokes joy, a feeling of optimism, trust, and "banking on the bright side". We are a new kind of credit union, one that combines service and value with the convenience that today's technologies allow. At Jovia, we have provided brighter banking for over 85 years, driven by values like innovation, convenience, and community. As a not-for-profit organization, we focus on what's best for our members, not profits - Come see for yourself!

Awarded as one of the best places to work, Jovia has more than $4 billion in assets, 240,000 members, and 500+ employees, we attract the best and the brightest talent-- who do the right thing and present a can-do spirit in a culture of fun, fulfilment, advancement, and development. Find your joy here, every day.

We give you Benefits that Go Beyond Your Paycheck:

• Competitive compensation with paid training
• Engaged Managers who value your input, are transparent, and provide coaching for your success
• Professional Development with growth opportunities and a supportive learning environment
• A friendly, inviting work culture filled with social activities that inspire creativity and collaboration
• Retirement Benefits, featuring a 401(k) with a generous match plus a defined pension plan
• Comprehensive benefits including Medical, Dental, and Vision coverage
• Employee Activity Groups that foster a sense of belonging and teamwork
• Tuition Reimbursement and School Loan Repayment plans for Full-Time employees
• Gym Reimbursement and Employee Wellness time off to support your health and wellness
• Flexible PTO options that include vacation payout and sick time incentive payouts
• Discounts on Employee Loans to help you create financial success
• Supplemental Benefits such as Pet Insurance, Legal plan, and AFLAC plans
• A CEO with brilliant vision and aspiration

Want to know why we're so happy? Click here to learn and meet our CEO!

Find out what life at Jovia is like ... https://www.jovia.org/life-at-jovia

What you will be doing:

• Present a professional attitude and see that with each member contact the member's needs were satisfied to the best of your ability. Thank the member for giving us the opportunity to serve their financial needs.
• Well versed in in all lending related software packages that will enable you to perform your job functions effectively and efficiently. Responsibilities within these systems
• include but are not limited to printing and mailing approval and declination letters to members within the timeframes required by compliance, reviewing error reports relating to Credit Card processing and utilizing the technology involved in the process to fund indirect loans and leases multiple times throughout the day.
• Concentrate efforts to achieve both individual and organizational goals as set by Management and the Board of Directors.
• Maximize opportunities to cross-sell and up-sell lending and savings products and services including Member Financial Services and credit insurance offered through CUNA Mutual Group, all part of our commitment to building relationships.
• Underwrite consumer loan applications regardless of the source and render a level 1 credit decision within the designated timeframes. The Levels of Approval Authority as noted in the Consumer Loan Policy will determine to what extent you can approve consumer loans. It is your responsibility to become well versed in the specific guidelines relating to approval authorities and adhere to them without exception. A good amount of creativity and latitude is required in this position. Document information gathered about specific requests, scenarios or concerns in the applicable notes, processing or conversation log of an application as appropriate.
• Support the branch network, Call Center, internet and Indirect Lending channels (Groovecar and dealerships directly) by answering any and all questions relating to lending policies and procedures. Your assistance will extend to member questions and/or problems all part of member service.
• Assist in all phases of work associated with the Lending Department.
• Consistently monitoring the pipeline of approved product and seeing the approved loans and lines of credit through to disbursement as often as possible.
• Possess the ability to pull loans applications from the Internet, telephone and any other avenues through which we receive applications.

What we need from you:

• An Associates' Degree preferred
• A minimum of 2 years' experience in a lending environment is preferred.
• Must have with the ability to multitask and adapt to change in our rapidly changing environment.
• Must have an aptitude for figures, ability to ensure quality of work produced and willing to work flexible hours including late nights and Saturdays.
• Professional appearance coupled with an enthusiastic, assertive personality.
• Individual must be highly motivated and committed to quality member service.
• Employee must meet and maintain all requirements as a registered mortgage loan originator employed by a Federally regulated Institution with the Nationwide Mortgage Licensing System and Registry (NMLS).

Work From Home and Hybrid Requirements: This particular position is Hybrid and requires in-office / plus work from home days to our offices in Westbury, New York:

• Internet speed of 100 mbps or higher required (you can test this by going to www.speedtest.net).
• Able to dedicate a quiet space for daily work that is free of sound interruptions.
• All equipment will be provided by Jovia (Computer, Monitor, Headset)

Be part of a growing not-for-profit organization where People are Everything-You are important to us. Help our members meet their financial goals and achieve their dreams. Let's talk!

At Jovia, we celebrate innovation, diversity, teamwork, excellence, and integrity. We are an equal opportunity employer and offer competitive compensation and benefits packages to recruit, retain, and reward top talent. We would like to be your partner in success and happiness!

We provide a competitive salary that aligns with qualifications and experience. Compensation may differ based on factors including experience, skill set, and current performance (if applicable). While candidates who do not fulfill the minimum requirements may be considered, this may require a position level, salary, or salary grade adjustment to reflect current experience.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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Pay Range: $48,131 - $56,625 per year