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Loan Processor/Title Clerk (MOBILITY Credit Union)
Ref No.: 16-07983
Location: Irving, Texas
Ensures internal customers are promptly and professionally served. Responsible for assisting with vehicle and real estate lien status inquiries/placements/releases, and post-funding documentation quality assurance. Responsible for receiving, reviewing, and submitting applications for consumer loans via the web and indirect lending channels. Examines state title documentation required for timely perfecting of titles on consumer loans, ensures timely lien releases, and collects associated filing fees through the internal customers. Updates vehicle title status via a third party title processing system.
Responsible for managing delinquent account information and works closely with collection manager on delinquency matters and updates delinquent account files as requested.
(E) Essential or N) Nonessential
  • (E) 25% Maintains quality assurance and integrity of optical loan closing and maintenance document files, using monthly reports designed to track and control loan documentation.
  • (E) 20% Obtains the necessary documentation to process lien perfections in a timely manner. Inform manager of title application processing delays. Informs individual branch staff and management of title processing deficiencies or needs.
  • (E) 20% Processes lien releases and pays drafts. Works closely with Lending Support staff to complete daily activities.
  • (E) 20% Reviews all loan documents for completeness and accuracy. Reviews the terms, conditions and stipulations post funding as a means of quality control. Seeks authority from the VP Member Solutions to make corrections in loan terms, credit insurance elections, due date change, and other loan maintenance as required.
  • (E) 5% Opens and sorts incoming department mail. Prepares outgoing mail, including metering, special deliveries, certified, and registered mail.
  • (E) 5% Processes vehicle and real estate lien releases on paid off loans as directed by Lending Support.
  • (N) 5% Performs other job related duties as assigned.
PERFORMANCE MEASUREMENTS
  1. To be knowledgeable of products and services offered, documentation requirements, and, if necessary, refer inquiries to the appropriate employee.
  2. To ensure by reviewing recorded documents, clear title is appropriate prior to issue 100% of the time.
  3. To correctly analyzes restrictions and prepare title commitment outlining restrictions and actions required to clear title with zero errors.
  4. To ensure accurate and efficient preparation of state title documentation on consumer loans.
  5. To provide informed, professional and accurate service and support to all associates.
EDUCATION/CERTIFICATION:
  • A high school education or equivalent.
REQUIRED KNOWLEDGE:
  • Basic understanding of Credit Union operations.
EXPERIENCE REQUIRED:
  • Up to six months of similar or related experience.
SKILLS/ABILITIES:
  • Good communication skills.
  • Professional appearance, dress, and attitude.
  • Good organizational, problem-solving, and prioritizing skills
  • Ability to operate related computer applications, and other business equipment including calculators, typewriter, printer, scanner, and telephone
  • Good typing skills
PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
  • TALKING: One must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
  • REPETITIVE MOTIONS: Movements frequently and regularly require using the wrists, hands, and/or fingers.
  • FINGER DEXTERITY: Primarily using just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.
  • AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary information.
  • AVERAGE VISUAL ABILITIES: Average, ordinary visual acuity is necessary to prepare or inspect documents or products, or operate machinery.
  • PHYSICAL STRENGTH: Exerts up to 20 lbs. occasionally and/or up to 10 lbs. frequently.
WORKING CONDITIONS
  • No hazardous or significantly unpleasant conditions (such as in a typical office).
MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
  • REASONING ABILITY: Ability to deal with a variety of variables under only limited standardization. Able to interpret various instructions.
  • MATHEMATICS ABILITY: Ability to perform basic math skills, use decimals to compute ratios and percents, and to draw and interpret graphs.
  • LANGUAGE ABILITY: Ability to use passive vocabulary of 5,000-6,000 words; read at a slow rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write complex sentences, using proper punctuation, and using adjectives and adverbs. Ability to communicate in complex sentences, using normal word order with present and past tenses and good vocabulary.
INTENT AND FUNCTION OF JOB DESCRIPTIONS
This job description is intended as a summary of the major duties and responsibilities as well as qualifications for this position. The job description is not intended as inclusive of all duties an individual in this position might be asked to perform or of all qualifications that may be required either now or in the future.
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the Credit Union.
Job descriptions are not intended as and do not create employment contracts. The Credit Union maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

ControlID: 14.234.89 SHR