Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams.

Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed.

Our values are at the heart of everything we do. We believe in:

• Integrity: We are honest and trustworthy in all of our dealings with our members, employees, and the community.
• Excellence: We strive to provide our members with the best possible service.
• Teamwork: We believe that we can achieve more together than we can alone.
• Respect: We treat each other with dignity and respect.
• Community: We are committed to giving back to the communities we serve.

If you are looking for a challenging and rewarding career in the financial services industry with a company that is committed to its mission, vision and values, we encourage you to apply for a position at Heritage Financial Credit Union. Here you will find a supportive and collaborative work environment where you can make a difference in the lives of our members and our community. We offer a competitive salary, comprehensive benefits package, including a very generous PTO policy. We are always looking for talented and motivated individuals to join our team.

Position Title:  Indirect Lending Processor   

Department:  Indirect Lending 

Classification: Non-Exempt

Salary Range: $19.54 - $24.43 per hour

REPORTING RELATIONSHIPS

Position Reports To:  Indirect Lending Manager  

Positions Supervised: None

POSITION PURPOSE

Responsible for data processing into loan system and maintaining documentation for accuracy and compliance. Perform a variety of administrative support related to documentation, processing, closing on indirect loans and indirect leases, and the lending function. Perform all responsibilities in accordance with agreed service standards, federal/state regulations and credit union policies/procedures. Daily work will involve cultivating and maintaining positive relationships with employees, dealers, and members.

Essential Functions & Responsibilities

1. Develop and maintain positive relationships with both internal and external members, specifically dealers, members, and co-workers

2. Provide timely and accurate administrative support, including updating loan data in the system, assembling documentation for member loans, reviewing applications, and verifying information for indirect loans and leases

3. Timely contact and follow up with dealerships in regards to missing documentation required to disburse loans

4. Book loans and leases to the core system

5. Verify accuracy on indirect loan and lease packages received for funding in a timely manner and according to department “service standards,” assuring all stipulations of approval are met prior to disbursement. 

6. Communicate with management and lending team to ensure consistency and compliance in all areas of loan process, closing, funding and service standards. 

7. Provide excellent member and dealer service, solve issues as they arise, and escalate issues as necessary

8. Consistently review and recommend changes to improve workflow, efficiency, and quality

9. Scan and upload all finalized loan documentation to the appropriate system 

10. Assist in reviewing and updating lending policies and procedures

11. Cross-sell credit union products and services, as appropriate

12. Assist members with the setup of automatic, recurring electronic payments, as needed

13. Assist in training new employees

14. Performs additional duties as assigned

Performance Measurements

Performance is measured against the core competencies as outlined by the position and against goals established by Indirect Lending Management.

Qualifications

Education/Certification:

· 2 year college degree preferred plus 2 years of loan processing experience; or a comparable combination of education and experience

Required Knowledge:

· Knowledge of accounting principles, lending industry guidelines and strong communication skills. This position requires that the employee gain a working knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work. The employee will comply with all requirements of the BSA and cooperate with the designated BSA Officer in assuring compliance.

Experience Required: 

· Experience using P.C. based software including Microsoft Word and Excel

Skills/Abilities:

· Ability to project a professional appearance and positive attitude at all times.

Physical Activities & Requirements of This Position

Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing: Able to hear average or normal conversations and receive ordinary 

information.

Repetitive Motions:  Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities:  Average, ordinary, visual acuity necessary to prepare or inspect 

documents or operate machinery.

Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally

Working Conditions

None: No hazardous or significantly unpleasant conditions. 

Mental Activities & Requirements of This Position

Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form

Mathematics Ability: Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations

Language Ability: Ability to use passive vocabulary of 5,000-6,000 words; to read at a slow rate; define unfamiliar words in dictionaries for meaning, spelling, and pronunciation.

Ability to write complex sentences, using proper punctuation, and use adjectives and adverbs.

Ability to communicate in complex sentences; using normal word order with present and past tenses; using a good vocabulary.

Employment at our Credit Union is based upon merit, ability, and qualifications. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status.