Processes consumer loan product applications and performs related tasks. Generates and finalizes loan documents. Sets up and disburses loans. Audits completed loan files to ensure accuracy and adherence to applicable laws, regulations, policies, and procedures. Responds to inquiries and fulfills various lending requests from members and internal staff. Assists members in completing documents accurately. Serves as part of the lending team.

• Processes consumer loan product applications and performs related tasks in accordance with applicable rules, regulations, laws, and guidelines. Assists team members and other departments with lending guidelines and loan documentation questions. Explains debt responsibilities (e.g., due date, late charges, payroll deduction obligations) to members. Explores other lending alternatives with members, as appropriate.
• Reviews and evaluates information disclosed on various member consumer loan applications. Uses credit scoring, sound lending practices and judgment to make lending recommendations or decisions. Reviews and funds consumer loans (e.g., credit cards, vehicle loans, solar loans) in accordance with credit union guidelines.
• Posts loan transactions and audits loan files. Audits completed loan files to ensure accuracy and adherence to applicable laws, regulations, policies, and procedures.
• Collects and verifies appropriate documentation for various loan transactions (e.g., income verification, vehicle registration, credit reports). Prepares documents and loan records in order to fund approved loans. Generates and finalizes loan documents. Sets up and disburses loans, ensuring that all required documentation is properly signed and received.
• Secures liens on collateral for various loan products (e.g., vehicle loans, HELOCs, solar loans) in accordance with state/agency guidelines. Processes loan applications and documents for securing collateral. Assists members in completing documents required to perfect a lien on consumer loan collateral. Processes DMV paperwork and assists members in completing paperwork accurately.
• Communicates with dealers, lease companies, and various third parties to perfect titles.
• Fulfills various lending requests from members and internal staff. Responds to inquiries via phone, email, and other business communication platforms (e.g., Slack). Gathers and analyzes member data to respond to inquiries and offer customized solutions.
• Completes all required training to maintain compliance with all job-related applicable laws, regulatory requirements, and procedures.
• Promotes an environment that fosters inclusive relationships and creates unbiased opportunities for contributions through ideas, words, and actions that uphold principles of the USC Code of Ethics.

Compensation:

The hourly rate range for this position is $24.12 - $25.00. When extending an offer of employment, the University of Southern California considers factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, key skills, internal peer equity, federal, state, and local laws, contractual stipulations, grant funding, as well as external market and organizational considerations.

Why USC Credit Union is a great place to work:

· Medical through USC Network, Blue Cross, and Kaiser: https://employees.usc.edu/medical/

· Dental: https://employees.usc.edu/dental/

· Vision: https://employees.usc.edu/vision/

· Dependent Care and Health Care Flexible Spending Accounts (FSAs): https://employees.usc.edu/fsas/

· Retirement with up to 10% employer contributions: https://employees.usc.edu/usc-retirement-savings-program/

· Tuition reimbursement: https://employees.usc.edu/tuition-benefits/

· Paid Time Off (PTO) including, up to 24 vacation days (based on tenure), 12 sick days, 9 paid holidays, 1 paid personal day, 4 paid winter recess days, paid bereavement, and paid jury duty: https://employees.usc.edu/time-off/

· Life and voluntary insurance benefits: https://employees.usc.edu/insurance-benefits/

· WorkWell Center that provides programs, resources, and services to benefits-eligible staff and their dependents, that help them thrive in all areas of work-life wellness: https://workwell.usc.edu/

· Other generous perks and discounts: https://employees.usc.edu/perks/

Minimum Education: High school or equivalentMinimum Experience: 1 yearMinimum Skills: One year of experience at a credit union or financial institution, interpreting and applying pertinent policies, procedures, regulations, and requirements. Knowledge of basic consumer loan products and services. Demonstrated experience processing DMV paperwork. Demonstrated ability to work independently with minimal supervision, deftly handle time-sensitive matters, and meet strict deadlines in a financial services environment. Demonstrated experience with office management software/tools (e.g. Google suite, Slack, Skype).Preferred Experience: 3 yearsPreferred Skills: Three years’ experience at a credit union, interpreting and applying pertinent policies, procedures, regulations, and requirements. Demonstrated consumer lending experience. Knowledge of credit union service standards and loan operations, as well as all relevant local, state, and federal regulations governing financial institutions. Working knowledge of out of state DMV policies and procedures, as well as collateral handling for various loan types.

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