Consumer Loan Servicing - CLS Technician II
Company: Golden 1 Credit Union
Posted on: January 16, 2022
Our headquarters in Sacramento contains the core functions that
support our mission to deliver financial solutions with value,
convenience and exceptional service to our members.
JOB TITLE: Consumer Loan Servicing Technician II
DEPARTMENT: Consumer Loan Servicing
JOB CODE: 1524
Perform duties to support advanced operational functions for the
servicing and maintenance of loan products, vehicle titling and
equity releases. Investigate and take appropriate action for credit
discrepancies contained in documents submitted by members.
Communicate through phone or email with members, staff, vendors,
and third parties to provide assistance on complex issues. Provide
support to the leadership as needed.
TASKS, DUTIES, FUNCTIONS:
Process all complex requests submitted through the Consumer Loan
Servicing Queues, email inboxes and faxes. - Investigate and
correct credit reporting, equity releases and vehicle titling
issues in an accurate, timely and professional manner as
Foster a positive and engaging work environment for each team
member by promoting skill development, coaching for improvement and
growth, and leadership. - Inspire others through words and actions;
ensure positive employee morale throughout Golden 1, by embracing
our mission, vision and core values.
Maintain a thorough understanding of state and federal laws and
regulations related to credit union compliance, including bank
secrecy and anti-money laundering laws appropriate to the
Research incomplete or inaccurate equity and vehicle payoff checks.
- Work with appropriate parties to obtain missing paperwork and
payoff shortages as required and according to credit union
Work, create and analyze reports necessary to ensure work is
completed according to required timelines, procedures and
regulations. - Perform necessary research and actions based on
report findings, notifying management of status, any issues and
Monitor active accounts protected by the Servicemembers Civil
Relief Act to ensure continued compliance. - Perform follow-up on
aging, outstanding titles and equity releases and work with
appropriate parties. - Recommend and take appropriate actions
Identify and implement process efficiencies and submit procedural
updates for approval. - Identify and resolve issues that arise
outside of the normal course of business.
Review, analyze, and evaluate auto loan titling documentation based
on DMV requirements and apply knowledge of titling procedures to
submit consumer loan paperwork.
Evaluate and ensure the DMV paperwork is accurate, complete and
Review required paperwork for truthfulness and consistency.
Apply fraud detection and prevention techniques.
Process complete paperwork through DMV Desk to complete the titling
Provides high-level support and technical assistance to the Contact
Center, Branches, Member Care and other departments, focusing on
ensuring the complete and accurate DMV paperwork is submitted.
Responsible for extensive and complex communication with members,
dealers, financial institutions, vendor/partners and motor vehicle
departments for problem resolution for pending titles and research
Handles high volume inbound phone calls from external and internal
members while still being required to maintain additional
Organize, prioritize and perform multiple tasks simultaneously
while being detailed oriented.
Responds to members via incoming and outgoing calls as well as
through alternative channels.
Obtains and verifies loan payoff information from external
Always provides prompt, courteous, internal and external
Exceptional Member servicing in a professional.
Participates and contributes to a positive teamwork environment,
which encourages team commitment to corporate, division, and
Responds to Consumer Loan Servicing research requests within
Must demonstrate functional knowledge of all compliance courses on
an annual basis and must review and pass all regulatory tests and
courses pertaining to their job functions including internal credit
Must be able to perform amortizations of Consumer Loans.
Full servicing of HELOC accounts, such as producing payoff
requests, posting payoff checks, preparing reconveyances,
researching and satisfying member phone calls, emails and other
forms of correspondence.
Oversee departmental functions by working with co-workers to ensure
all work is completed on time, according to credit union policies
and as governed by regulatory requirements.
Perform training, support and guidance for all new CLS
Provide additional support throughout the department and perform
other tasks and duties as needed.
PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE
PERFORMANCE OF THESE TASKS:
Effective oral and written communication skills required to assist
staff, members, and third parties.
Must possess sufficient manual dexterity to skillfully operate an
on-line computer terminal and other standard office equipment, such
as financial calculators, personal computer, facsimile machine and
ORGANIZATIONAL CONTACTS & RELATIONSHIPS:
INTERNAL: -All levels of staff.
EXTERNAL: - Members, vendors and third parties.
EDUCATION: Successful completion of High School curriculum and / or
equivalent work experience.
EXPERIENCE: 2 or more years at a financial institution performing
customer service, check posting, extensive research investigating,
report creation and analysis, credit report review, analysis and
correction, vehicle titling and/or real estate releases.
Extensive knowledge of California DMV motor vehicle regulations
pertaining to vehicle titling and release regulations, credit
dispute requirements and/or real estate reconveyance processes,
Knowledge of electronic DMV titling and requirements thereof.
Excellent oral and written communication skills.
Excellent telephone skills.
Ability to work in a fast paced environment.
Knowledge of credit union policies and procedures.
Ability to multi-task is required.
Excellent organization skills.
Excellent business interaction skills.
Excellent numerical skills.
Possess and use sound judgment.
Accuracy is a must.
Working knowledge and ability to use Microsoft Office software or
other standard office equipment.
Excellent follow-up skills.
Ability to work independently.
Prolonged sitting throughout the workday with occasional mobility
Corrected vision within the normal range.
Hearing within normal range. - A device to enhance hearing will be
provided if needed.
Occasional movements throughout the department daily to interact
with staff, accomplish tasks, etc.
Extensive PC data entry and processing throughout the workday.
May require minimal travel, local and statewide by car or public
conveyance for Credit Union business
Possess a valid California driver's license.
We appreciate your interest in joining the Golden 1 team! If you
are selected to participate in the interview process we will
Keywords: Golden 1 Credit Union, Sacramento , Consumer Loan Servicing - CLS Technician II, Engineering , Sacramento, California
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