Consumer Loan Processor presso None

Overview

Functional Job Title: Consumer Loan Processor

Corporate Job Title: Associate

Division: Lending

Department: Consumer Loan   

Location: Miami, FL

Reporting Line: VP, Consumer Loan Manager

Core Functional Summary  

The Consumer Loan Processor is primarily responsible for processing and closing consumer loans, as well as ensuring that all loans comply with government regulations and the bank’s policies. 

Essential Duties & Responsibilities

Responsibilities include the following; other duties may be assigned:

• Scan and upload all documents in H drive. 
• Prepare closing packages for all consumer loans. 
• Review documentation on each file for accuracy. Verify that all required documents for processing and underwriting were received. Ensure insurance has all the requirements and is adequate, translations are completed, etc. 
• Work with the Loan Consumer Officers to clear the conditions received and follow up on items pending with clients, brokers and dealers. 
• Process consumer draft payments.
• Prepare entries on Silverlake for booking.
• Create new liens, review and resolve any issues on Vintek to make sure the liens match the information in the Registration.
• Process consumer withdrawals and denied files.  
• Prepare and send loans for booking.
• Prepare the withdrawn/cancelled/denied consumer loans report monthly. 
•  Assist in special projects as assigned. 
• Prepare an end of the month internal auto loan report.
• Responsible for reviewing and verifying the accuracy and completeness of all final signed documents to ensure compliance with company policies.
• Responsible for balancing the Consumer Team G/L on a monthly basis. 

Requirements and Qualifications

• High School diploma or equivalent required.
• Minimum of two years of related experience and/or training; or equivalent combination of education or experience.
• Strong analytical, communication, and organizational skills, and a proactive approach to client relationship management.
• Strong Compliance conviction.
• Must be bilingual in both English and Spanish. Ability to fluently speak, understand, read and write both languages
• Advanced Microsoft Office Skills

Competencies

• Partnership-Oriented

Ability to build and maintain collaborative relationships, fostering trust and mutual respect to achieve shared goals. Effective communication & Adaptability. Enhance Service Delivery. Conflict Resolution. Giving & Receiving feedback. Valuing Diversity.  

• Business Acumen/Sophistication

Ability to understand and apply business principles, concepts, KPIs, and strategies to make informed decisions to contribute to organizational success. Strategic & Critical Thinking. Solutions-Driven. Decision Making. 

• Customer-Centric

Have a business-driven mindset, prioritizing customer’s needs. Problem-Solving. Growth Mindset. Aligning individual and department goals with bank’s business objectives. Omnichannel communication while maintaining personalized service. Client excellence. 

• Innovative

Thinking outside the box and developing new ideas to improve ways of working. Ability to work with emerging technologies. Digital Transformational Mindset. Resource allocation. Technical Skills. Change Management. Continuous Learning. Transformational creativity. Agility & Flexibility.  Automation & Process Optimization

• Regulatory & Risk Management 

Adapting to changing regulations with sound risk management. Analytical. Integrity & Rule Compliance. Regulatory Governance. Financial Crime Prevention. Operational Risk Avoidance. Risk-Aware Mindset. Cybersecurity. Corporate Social Responsibility. 

• Hands-On

Being proactive to rapidly deliver high-quality results. Acquiring skills & knowledge through practical and active engagement. Real-world application. Lifelong Learner. Being curious and eager to develop skillset. SMART Goal Setting, Time Management. Proficiency. Training & Upskilling.

• Accountability

Ability to take responsibility and ownership. Fostering Trust. High Performance. Follow Through. Set Clear Expectations. Provide Resources & Coaching. Measuring work output. Process-Driven. Results-Oriented. Consistency. Lead by Example. Self-Management.

• Sustainable Performance

Communicate effectively. Integrated Business Excellence. Drive sustainable growth. Value Creation & Long-Term Thinking. Stakeholder Inclusion. Corporate Purpose & Values Alignment. Impact Assessment. Operational Resilience & Crisis Management. Operational Excellence. Adaptability.