Consumer Loan Collection/Recovery Rep. jobs in Kennewick, WA

BASIC FUNCTION:

Assume responsibility for accepting and processing mortgage and installment loan applications. Analyze and evaluate loan applications. Acknowledge customer’s needs with suggestions appropriate to the Associations loan products.

$52,800 - $62,820 Starting Salary

ESSENTIAL DUTIES:

• Interview customers applying for mortgage and consumer loans.
• Receive formal application for a mortgage from the customer. Assist customers with completing technical details of the application.
• Review completed mortgage application for accuracy and thoroughness and request additional information if necessary.
• Assist Loan Processors in supplying customers with all necessary and appropriate disclosures.
• Be knowledgeable on all Association Loan Programs
• Stay current on loan rates.
• Calculate gross monthly income for customers using pay stubs, W-2’s, tax returns and financial statements.
• Have the ability to read and decipher a tri-merge credit report.
• Be proficient on Mortgagebot loan program.
• Order credit reports, title insurance, flood searches and appraisals in a timely manner.
• Process, package and submit new loans to Underwriter for review.
• Assist Loan Closers and Loan Service personnel to obtain appropriate documentation for files.
• Process Loan Modifications.
• Communicate with customers on a regular basis to answer any and all questions.
• Build and maintain business relationships within the community to attract new business.
• Stay current of compliance regulatory issues, through ongoing training, as they pertain to duties.
• Maintain thorough knowledge of bank policies, procedures, and services.

MINIMUM REQUIREMENTS:

• Bachelors’ degree in finance, accounting or business management, and 3 or more years experience as a Mortgage Loan Officer, or equivalent combination of education and experience.
• Registered as a MLO with the National Mortgage Licensing System.
• Bilingual (English/Spanish) preferred.
• Prior supervisor/management experience.
• Demonstrate understanding of mortgage processing and underwriting procedures.
• Knowledge of conventional and/or government lending guidelines.
• Excellent customer service skills.
• Excellent verbal and written communications skills.
• Professional and effective interpersonal skills.
• Ability to analyze and comprehend complex financial data and recommend appropriate financial alternatives.
• Ability to utilize computer and related software applications.
• Ability to work in a fast-paced environment.
• Ability to work well under pressure.
• High degree of accuracy.
• Organizational skills.
• Ability to work as a team member

• Medical
• Dental
• Vision
• Group Life/AD&D Insurance
• Group Long Term Disability
• Voluntary Life Insurance
• Voluntary AD&D Insurance
• Voluntary Group Legal Insurance
• Voluntary MetLife Benefits (Accident, Critical Illness, and Hospital Indemnity)
• Flexible Spending Account
• Employee Assistance Program

PHYSICAL DEMANDS AND WORK ENVIRONMENT:

The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Physical demands: While performing duties of job, employee is required to sit; use hands to finger, handle, or feel objects, reach with hands and arms; talk, hear, and see. Employee must occasionally lift up to 10 pounds.
• Work environment: Normal office environment; moderate office noise

Yakima Federal Savings & Loan is an Equal Opportunity Employer of all including Veterans and individuals with disabilities.

If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process or are limited in the ability or unable to access or use this online application process and need an alternative method for applying, you may contact us at 509-248-2634, extension 122 for assistance.