Loan Service Representative I

STCU is consistently rated one of the top-performing credit unions in the nation, and has been named one of Fortune Magazine’s Great Places to Work. We look for employees who have a strong desire to serve others, are lifelong learners, are committed to working hard, have a fun-loving attitude, and who want to make a difference in our members’ lives. We love people who share our core values: Joyfulness, generosity, belonging, goodness, and striving. We believe in being a force for good in the community, while helping members achieve their financial goals and dreams.

STCU offers excellent benefits: 

• Paid time off—plus 11 paid holidays!
• Medical, dental, vision and life insurance 
• Training and career development
• Success sharing plan
• 401(k) matching contributions
• Tuition reimbursement

An overview of the benefits can be found here or here: https://stcu.org/here-for-good/about-stcu/careers/benefits

Salary range: $20.42 - $28.58 per hour

The Loan Service Representative I is responsible for providing accurate and timely support to members and frontline staff for consumer and real estate loans after origination through payoff and lien release.  

Core Job Requirements/Outcomes

• Provide exceptional member service by assisting members and frontline staff on general loan servicing questions related to loan payment maintenance, loan verifications/payoff quotes, third-party disbursements, payment protection claims and credit bureau inquiries.
• Mitigate loan loss risk by ensuring that the institutions collateral is adequately secured through title perfection and Deed of Trust maintenance while also maintaining that the collateral is fully insured against any losses or damage.
• Adhere to regulatory requirements included in the Fair Credit Reporting Act and Consumer Financial Protection Bureau by responding to consumer inquiries and exception reporting while maintaining the institutions privacy and security policies and procedures.  
• Ensure loan setup and documentation accuracy and completeness by reviewing and auditing new loans in order to prevent any unnecessary rework and member dissatisfaction.

Other Essential Functions

• Utilize continuous improvement tools when performing servicing tasks and project work and communicate any necessary procedure updates and ideas for improvement to department managers.
• Provide support to team members by maintaining positive working relationships that promote a collaborative and inviting team environment.
• Processes departmental reports and workflows to keep loan records accurate.
• Monitors incoming and outgoing mail.

Education: High School diploma or equivalent required.

Job Experience: Minimum of one-year experience in fast paced, deadline-oriented office environment.

Software Skills: Proficient knowledge of Microsoft Office programs including Outlook, Word, Excel and Teams.

Physical Demands: Must be able to regularly talk, hear and operate a computer, keyboard and mouse and occasionally lift, pull/push and carry up to 10 pounds with accommodations.

Work Conditions: Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting. Exposure to high-stress, fast-paced, deadline-oriented environment.

Other: Perform additional duties as assigned for the efficient operation of the department and the organization. This includes the possibility of being assigned temporarily to other locations.

Please review our website for more information at stcu.org/careers.