Consumer & Equity Loan Maintenance Specialist

About the role

The position serves as the credit union’s primary contact for all consumer and equity loan maintenance, vehicle title processing, and insurance-related tasks.

Responsibilities

• Perform equity and consumer loan maintenance in Symitar per member, Risk, or Compliance requests, ensuring accurate modification of loan and member records.
• Assist in research requests related to loan maintenance and vehicle titles within organizational and vendor systems; problem-solve and make recommendations based on findings.
• Analyze, research, and resolve escalated issues, providing clarity, direction, and follow-through to members and staff.
• Support Compliance and Consumer Lending Operations with system clean-up and validation to maintain compliance for consumer and equity loans in Symitar.
• Handle total loss, GAP, and Debt Cancellation claims, working directly with insurance companies, vendors, and members to collect documents, research loan history, and meet timeframes to mitigate risk.
• Ensure timely and accurate submission of claims to Lenders Protection and Allied Solutions to minimize deficiency losses for the credit union.
• Administer premiums, refunds, and insurance product billing for Allied Solutions, Minnesota Life, Arizona Group, and Assurance Plus.
• Perform Accounts Payable and Accounts Receivable functions by debiting or crediting accounts and manage billing issues with vendors and accounting.
• Ensure vendors are properly charging for services during monthly reconciliation.
• Manage vehicle lien perfection for consumer and commercial loans using vehicles as collateral, including working with the commercial team to process and perfect titling.
• Collaborate with AZ MVD and Authorized Third Parties to assess member and lien perfection risks, reporting trends that may impact loan processing.
• Adhere to AZ MVD and AZFCU compliance and regulatory requirements for vehicle lien placement and titling.
• Assess credit union and member risk for system maintenance exceptions, vehicle titling exceptions, and system issues; problem-solve complex situations involving internal teams or members.
• Serve as a consumer loan Subject Matter Expert (SME) in Symitar, working with Consumer Lending Operations on PowerOn and Symitar testing, maintenance, and process improvements.
• Review and recommend solutions for department and credit union-wide processes to enhance member and employee experience.
• Ensure adherence to credit union policies and standard business practices.
• Maintain professional standards and uphold Arizona Financial’s values.
• Perform other job-related duties as assigned.

Requirements

• High School diploma or GED.
• Three (3) years of experience in a financial institution.

Skills

• Proficiency in computer systems and typing at 45 words per minute.
• Ability to read, write, and speak in English.
• Ability to read, analyze, and interpret technical procedures, financial reports, legal documents, and government regulations.
• Ability to write procedure manuals and business correspondence, including responses to sensitive inquiries or complaints.
• Ability to use system resources from multiple departments to answer questions and resolve problems.
• Strong verbal communication skills for interacting with members and internal customers regarding complex inquiries or complaints.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.

Preferred Qualifications

• Three (3) years of experience with Consumer Loans.

Work Environment

• Hybrid work environment.
• Regularly required to stand, walk, sit, climb or balance; use hands for typing and handling documents; reach with hands and arms.
• Occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required include close vision, distant vision, and color vision.
• Moderate noise level in the work environment.
• Must be able to travel independently to department and branch locations.
• Employees working from home must have business operational internet and a dedicated workspace for video calls or chat messaging.

Pay

$24/hour.