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Loan Servicing Specialist

GOLD COAST FEDERAL CREDIT UNION - 3.7

West Palm Beach, FL Job Details Full-time $17.37 - $26.06 an hour 17 hours ago Benefits Health insurance Dental insurance 401(k) Flexible spending account Tuition reimbursement Paid time off Employee assistance program Vision insurance 401(k) matching Employee discount Life insurance Referral program Pet insurance Qualifications Title processing Bank experience Document review Organizational skills Manual handling Loan Origination Systems (LOS) Bankruptcy Full Job Description Summary The Lending Operations Representative provides operational support for the Credit Union's consumer loan portfolio by performing loan servicing, title administration, collateral maintenance, insurance tracking, ancillary product servicing, and collections support activities. This position is responsible for maintaining accurate loan and collateral records, processing servicing transactions, supporting delinquency and recovery administration, and ensuring required documentation is completed in accordance with Credit Union policies and regulatory requirements. The Lending Operations Representative works closely with Lending, Collections, branch personnel, members, and third-party vendors to support the efficient administration of consumer loans throughout their lifecycle. Key Responsibilities

• Operational & Loan Servicing Responsibilities o Perform loan servicing, title processing, collateral administration, payoff processing, loan maintenance, and ancillary product servicing activities. o Maintain accurate loan, title, collateral, insurance, and servicing records to support portfolio integrity and operational efficiency. o Process lien perfection and release activities, ownership changes, title transfers, collateral documentation, and related loan servicing functions. o Assist with insurance claims, GAP claims, warranty products, and other servicing related requests. o Maintain reports, reconcile assigned records, and support departmental workflow objectives.

• Collection & Recovery Support Responsibilities o Provide administrative support for delinquency, loss mitigation, repossession, recovery, bankruptcy, legal referral, and charged-off loan processes. o Prepare delinquent notices, loss mitigation packets, repossession files, recovery documentation, and referral packages for attorneys and third-party collection agencies. o Process recovery payments and maintain collection-related records, report, and tracking systems. o Verify vehicle insurance coverage and maintain collateral protection records to ensure compliance with Credit Union requirements o Confirm GAP claim settlement following total loss and Credit Life and Disability claim settlements are all posted timely.

• Regulatory & Compliance Responsibilities o Ensure loan servicing, collateral administration, and collection support activities comply with Credit Union policies, procedures, and applicable federal and state regulations. o Adhere to compliance requirements including, but not limited to NCUA, BSA, OFAC, FCRA, Information Security, Fair Lending, and applicable consumer lending regulations. o Identify and escalate suspicious or unusual activity in accordance with Credit Union policies, and regulatory requirements. o Complete required training and maintain awareness of responsibilities appropriate to the position.

• Quality, Member Service & Team Responsibilities o Review work for accuracy, completeness, timeliness, and adherence to established procedures. o Provide professional, responsive, and courteous service to members, internal staff, vendors, insurance carriers, attorneys, and business partners. o Participate in cross-training, team meetings, and departmental initiatives to support operational continuity and service excellence. o Collaborate effectively with Lending, Collections, branch personnel, and third-party vendors to achieve departmental goals. o Perform other duties as assigned. Required Skills & Qualifications Minimum 2 years of experience in loan servicing, lending operations, collection support, title processing, or related financial institution environment, or equivalent combination of education and experience. Strong knowledge of consumer lending operations, loan servicing processes, collateral administration, title processing, and collection support functions. Experience working with banking, loan, and collection systems, collateral tracking platforms, and related operational technologies. Sound judgement and problem-solving skills with the ability to follow established procedures. Strong organizational skills with the ability to manage multiple priorities and maintain a high degree of accuracy. Excellent communication and member service skills. . Preferred Qualifications Experience working in credit union environment. Knowledge of vehicle title processing, lien administration, collateral protection, GAP and warranty products, insurance tracking, and recovery processes. Experience with lending, collections, and document management platforms such as DealerTrack/Vitu, Algebrik, Corelation Keystone, and Excel. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit. The employee frequently is required to walk; use hands to finger; handle; or feel; and talk and hear. The employee is occasionally required to stand and reach with hands and arms. The employee may regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 35 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. Work Environment The work environmental characteristics here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made. The noise level in the work environment is usual.

THIS JOB DESCRIPTION IS NOT AN ALL-INCLUSIVE LIST OF ALL THE RESPONSIBILITIES, SKILLS, WORKING CONDITIONS OR ESSENTIAL FUNCTIONS OF THIS JOB. MANAGEMENT RESERVES THE RIGHT TO MODIFY, ADD OR REMOVE ESSENTIAL JOB FUNCTIONS AS BUSINESS NEEDS WARRANT.

Pay:

$17.37 - $26.06 per hour Expected hours: 40.0 per week

Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Employee discount Flexible spending account Health insurance Life insurance Paid time off Pet insurance Referral program Tuition reimbursement Vision insurance

Work Location:

In person