.. ongoing compliance with all state, local and federal regulations. Act as a Sales leader in the community, reviewing Sales strategies with the Marketing team, .. management in all areas of the community. Operates within established budgetary guidelines Meet personally with community residents and families to discuss .. read more
<p><strong>JOB RESPONSIBILITIES</strong></p> <ul><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Credit Bureau reporting to ensure compliance with the <em>Fair Credit Reporting Act</em> (FCRA) and other regulatory requirements:</span> <ul><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">Acquire knowledge of the Consumer Data Industry Association guidelines for accurate credit reporting of loan accounts.</span></li><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">Research and respond to <strong><em>Automated Consumer Dispute Verifications</em></strong> (ACDV)</span><span style="font-size:11pt;font-family:arial, sans-serif;"> </span><span style="font-size:11pt;">prior to the <strong>FCRA Response Due Date</strong> (Indirect disputes received from Credit Bureaus on behalf of Consumers).</span></li><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">Research and resolve disputes from Customers in a timely manner (Direct disputes both written and verbal).</span></li></ul> </li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Reconciliation of various credit reporting exception lists:</span> <ul><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">Experian Credit Bureau’s Metric Report.</span></li><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">Core system’s <strong><em>Credit Bureau Summary Report Exception List.</em></strong></span></li><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">Ad hoc reports created to identify accounts with reporting code and/or amount discrepancies.</span></li></ul> </li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Interpret and analyze loan documentation to ensure proper recordation on Core Application system. This includes (but is not limited to):</span> <ul><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">Borrower(s) relationship to account.</span></li><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">Interest Rates.</span></li><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">Billing Schedules.</span></li><li><span style="font-size:11pt;font-family:'courier new';"> </span><span style="font-size:11pt;">All other Terms as stated in loan documentation.</span></li></ul> </li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Provide excellent customer service taking necessary actions for problem resolution.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Assist with research of accounts which do not require credit reporting updates.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Review loan payment histories to ensure accurate application of payments.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Convert loan payment histories to Excel spreadsheet to verify accurate Core system allocation of all funds received.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Determine when a Customer “inquiry” for information may need to be reported as a “complaint” and follow-thru with Loan Credit Bureau/Research Analyst II or Supervisor to resolve the issue.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Work with various departments within the bank (ex: Legal, Loan Review, Collections, etc) to obtain information as needed.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Provide training as needed within Loan Operations.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Ensure all actions performed are in compliance with government regulations and organizational policies and procedures.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Perform other duties within the department as assigned.</span></li></ul> <p> </p> <p> </p> <p><strong>SKILLS/KNOWLEDGE AND ABILITIES/EXPERIENCE</strong></p> <ul><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Position normally requires a Degree in Business Finance/Accounting or at least a minimum of five years’ experience with bank loan core processing system.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Excellent communication and organizational skills.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Knowledge of a variety of subjects, such as: finance, business law, information technology, etc.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">General banking knowledge.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Intermediate skill level with Excel and Word software.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Self-starter and self-motivated.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Detail-oriented.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Ability to multi-task.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Ability to meet deadlines.</span></li></ul> <p style="margin-left:.25in;text-indent:-.25in;"> </p> <p><strong>WORKING CONDITIONS</strong></p> <ul><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Works in a production oriented atmosphere.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Works under minimal supervision based on demonstrated proficiency in carrying out assigned responsibilities.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">Travel could be required.</span></li><li><span style="font-size:11pt;font-family:symbol;"> </span><span style="font-size:11pt;">May have irregular hours.</span></li></ul> <p><span style="font-size:11pt;"> </span></p> <p><span style="font-size:11pt;"> </span></p> <p><span style="font-size:11pt;">The above statements are intended to describe the general nature and level of work to be performed by personnel assigned to this job. This information is not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel assigned to this position.</span></p> <img src="https://ars2.equest.com/? response_id=45912aea51b26b1dbefb1686b5220741&view" alt=" " width="1" height="1"/>