Consumer Loan Processor

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?

Our "people helping people" philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU.

PAY RANGE

BENEFITS

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company's 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here.

IMPACT YOU'LL MAKE:

As a Consumer Loan Processor at BECU, you'll be at the heart of helping members realize their financial dreams. From application to funding, you'll ensure every loan experience is smooth, accurate, and aligned with BECU's values. You'll make a real difference by guiding members through the lending process with expertise and empathy-transforming complex details into streamlined, stress-free solutions. Your role empowers you to make each interaction meaningful while contributing to a mission-driven team that values your growth and success.

This role is a hybrid role. This role requires 2-3 days onsite at Tukwila Financial center and remaining days remote. This role requires working Saturday shifts on rotation.

WHAT YOU'LL DO:

• Champion Compliance and Protection:
  Align every task with BECU's competencies and compliance requirements, keeping information safe and secure at all times.

• Master Lending Knowledge:
  Use your thorough understanding of loan policies, state and federal lending regulations, and agency requirements to confidently guide each loan process.

• Clear Underwriting Conditions:
  Collaborate with members, branch staff, and underwriters to finalize approvals and clear conditions efficiently.

• Perfect Application Reviews:
  Ensure loan applications are accurate, scored properly, and calculations are complete before moving to closing.

• Navigate Vendor Coordination:
  Work professionally with external vendors to clear all necessary collateral conditions to move loans forward.

• Analyze with Precision:
  Review and interpret a variety of financial and collateral documents-like income verifications, insurance binders, and titles-to evaluate loan acceptability.

• Lead the Funding Process:
  Complete loan funding and disbursement tasks while preparing all documentation for member signatures.

• Manage Workflows:
  Keep your queues and inboxes organized and up to date to meet service level expectations with speed and care.

• Handle Complexity with Confidence:
  Juggle multiple loans in different stages while fielding member calls and internal inquiries like a pro.

• Build Member Relationships:
  Connect with members, dealers, and Marine Title Companies to finalize terms and coordinate signing appointments.

• Ensure Flawless Closings:
  Conduct post-closing reviews to ensure documentation is properly executed and all closing conditions are fulfilled.

• Stay Product-Savvy:
  Maintain strong knowledge of BECU's loan products, pricing, and required documentation for each loan type.

• Safeguard Loan Integrity:
  Ensure documentation is thorough, security is adequate, and that each loan is in the Credit Union's best interest.

• Offer Insightful Alternatives:
  Evaluate loan options and guide members toward the best product fit when alternatives are more suitable.

• Deliver Exceptional Service:
  Provide prompt, professional, and courteous service while resolving issues with care and follow-through.

• Understand the Bigger Picture:
  Maintain general knowledge of how various departments at BECU interact with the Consumer Loan team.

• Step Up as Needed:
  Take on additional tasks that contribute to the team's success and support BECU's mission.

This isn't just about ticking off tasks on a list. It's about making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU'LL GAIN:

You're more than just your resume-you're a partner in shaping BECU's future. This role is built for someone who's ready to dive in and grow.

• A people-first culture where you're empowered to make decisions and offer real value.

• The chance to help members achieve financial success through trust and transparency.

• A high-impact role where your attention to detail and care helps protect our members and our mission.

• A supportive and collaborative team that celebrates knowledge sharing and personal development.

• Stability and purpose-BECU is a values-driven, not-for-profit institution committed to doing the right thing.

• Ongoing training and development to keep you growing personally and professionally.

• A meaningful career path within one of Washington's most respected credit unions.

QUALIFICATIONS:

Minimum Qualifications:

• Associate's degree in Business, or equivalent work or educational experience required.

• Minimum one year experience in Consumer Lending required.

• Verbal and written skills to effectively communicate and provide customer service.

• PC skills, with the ability to learn new software.

• Math and basic accounting skills.

• Full-time hours required, with additional hours as necessary.

Desired Qualifications:

• Bachelor's degree preferred.

• Excellent organizational skills, with the ability to handle multiple tasks by prioritizing job responsibilities.

• Thorough knowledge of all RESPA, HMDA, Fair Lending, and ECOA rules and regulations.

JOIN THE JOURNEY

Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don't just fill a role, but fuel the growth and success of BECU? This is more than a job - it's a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let's achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now.
#BECU #YourGrowth #BECUJourney

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.