Fifth Third Bank
Overview
GENERAL FUNCTION: Perform pre-underwriting and processing duties needed to fulfill consumer equity and non-equity loan applications. Review and validate complex underwriting stipulations associated with the consumer lending process. Provide accurate, clear and concise information and provide a superior lending experience for external customers through phone interaction and email. Primary loan facilitator for external customers to ensure work flow deadlines and service level agreements are met. Responsible for moving the loan file through the pipeline upon receipt of the application, including updating the file and all systems as work progresses through the underwriting process. Partner with internal departments to escalate and resolve issues and problems. Promote excellence in employee and customer experience. Achieve results while consistently identifying, assessing, managing, monitoring, and reporting risks of all types. Responsibilities
Proactively contact customers to collect documents needed to underwrite application (including, but not limited to, income documentation, trust information, etc.) Provide accurate information to the customer, explain products and policies in a clear, concise manner to ensure they understand documents needed for a lending decision Evaluate loan documentation, review income documents, analyze data, and clear conditions per delegated authority (credit and non credit documents) Translate internal communication to customer to ensure information is delivered professionally, accurately, and timely Liaise between the client, underwriting and financial center to meet loan and customer requirements Actively manage pipeline of consumer loan applications Field inbound calls from internal and external customers Understand and review personal and business tax returns and other income documents Understand and review vendor documents (title, appraisal, flood, verification of employment, etc.) and communicate any issues or needs to internal and external customers Maintain high level of customer service by being proactive in communicating with borrowers and loan originators Serve as escalation point for internal and external customer questions pertaining to documents needed for loan products Ensure accurate, complete, and timely loan data on processing and underwriting systems Participate in ongoing efforts to improve customer service for internal and external customers Support retail business partners in connection with consumer loan applications processed in the consumer credit centers Maintain expert knowledge of all equity and non-equity lending products and services as they relate to procedures and policies Enter issues into CIT for routing, tracking and resolution following standard Customer Complaint processes Respond to complex questions and issues from banking centers regarding products, systems and/or procedures Research and resolve issues independently, including interpretation of bank policies Complete call tracking and support documentation as required Act as a trusted advisor, educating customers and bankers with each interaction Meet quality, handle time, and adherence standards Mentor and train less experienced Loan Specialists Assist with training and onboarding of new Loan Specialists Review updates to procedures and participate in departmental projects Identify differences in Regional Credit Center Operations and promote consistency Explain cash flows, debt-to-income, and loan decisions to bankers Provide subject matter expertise regarding consumer credit policy and loan documentation requirements Respond to general inquiry emails Provide all services above to Fifth Third customers calling into the credit center Perform any other duties as assigned Minimum Knowledge, Skills And Abilities Required
Minimum three (3) or more years of consumer lending experience in processing or customer service In-depth knowledge of loans and lending guidelines Detailed knowledge of processing, underwriting and closing procedures In-depth knowledge and understanding of loan application and underwriting systems Previous experience managing a pipeline Proven computer skills Demonstrated leadership and organizational skills Ability to analyze policies and procedures to maximize productivity while managing risk Demonstrated teamwork and customer service skills Requires S.A.F.E. Act registration at time of employment through NMLS Consumer Credit Loan Specialist Location
Cincinnati, Ohio 45227 Compensation and Benefits
The base salary is within the range for this pay grade. Eligible for incentive compensation based on company, line of business and/or individual performance. Benefits programs support physical, financial, emotional and social well-being. More details at the Fifth Third Careers site. Attention search firms and staffing agencies: do not submit unsolicited resumes. Fifth Third does not accept resumes from agencies without an active agreement. Equal employment opportunity statement applies to all decisions. Fifth Third Bank, National Association is proud to promote equal employment opportunity regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. Seniorities and Employment Type
Mid-Senior level Full-time Job function: Finance and Sales
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GENERAL FUNCTION: Perform pre-underwriting and processing duties needed to fulfill consumer equity and non-equity loan applications. Review and validate complex underwriting stipulations associated with the consumer lending process. Provide accurate, clear and concise information and provide a superior lending experience for external customers through phone interaction and email. Primary loan facilitator for external customers to ensure work flow deadlines and service level agreements are met. Responsible for moving the loan file through the pipeline upon receipt of the application, including updating the file and all systems as work progresses through the underwriting process. Partner with internal departments to escalate and resolve issues and problems. Promote excellence in employee and customer experience. Achieve results while consistently identifying, assessing, managing, monitoring, and reporting risks of all types. Responsibilities
Proactively contact customers to collect documents needed to underwrite application (including, but not limited to, income documentation, trust information, etc.) Provide accurate information to the customer, explain products and policies in a clear, concise manner to ensure they understand documents needed for a lending decision Evaluate loan documentation, review income documents, analyze data, and clear conditions per delegated authority (credit and non credit documents) Translate internal communication to customer to ensure information is delivered professionally, accurately, and timely Liaise between the client, underwriting and financial center to meet loan and customer requirements Actively manage pipeline of consumer loan applications Field inbound calls from internal and external customers Understand and review personal and business tax returns and other income documents Understand and review vendor documents (title, appraisal, flood, verification of employment, etc.) and communicate any issues or needs to internal and external customers Maintain high level of customer service by being proactive in communicating with borrowers and loan originators Serve as escalation point for internal and external customer questions pertaining to documents needed for loan products Ensure accurate, complete, and timely loan data on processing and underwriting systems Participate in ongoing efforts to improve customer service for internal and external customers Support retail business partners in connection with consumer loan applications processed in the consumer credit centers Maintain expert knowledge of all equity and non-equity lending products and services as they relate to procedures and policies Enter issues into CIT for routing, tracking and resolution following standard Customer Complaint processes Respond to complex questions and issues from banking centers regarding products, systems and/or procedures Research and resolve issues independently, including interpretation of bank policies Complete call tracking and support documentation as required Act as a trusted advisor, educating customers and bankers with each interaction Meet quality, handle time, and adherence standards Mentor and train less experienced Loan Specialists Assist with training and onboarding of new Loan Specialists Review updates to procedures and participate in departmental projects Identify differences in Regional Credit Center Operations and promote consistency Explain cash flows, debt-to-income, and loan decisions to bankers Provide subject matter expertise regarding consumer credit policy and loan documentation requirements Respond to general inquiry emails Provide all services above to Fifth Third customers calling into the credit center Perform any other duties as assigned Minimum Knowledge, Skills And Abilities Required
Minimum three (3) or more years of consumer lending experience in processing or customer service In-depth knowledge of loans and lending guidelines Detailed knowledge of processing, underwriting and closing procedures In-depth knowledge and understanding of loan application and underwriting systems Previous experience managing a pipeline Proven computer skills Demonstrated leadership and organizational skills Ability to analyze policies and procedures to maximize productivity while managing risk Demonstrated teamwork and customer service skills Requires S.A.F.E. Act registration at time of employment through NMLS Consumer Credit Loan Specialist Location
Cincinnati, Ohio 45227 Compensation and Benefits
The base salary is within the range for this pay grade. Eligible for incentive compensation based on company, line of business and/or individual performance. Benefits programs support physical, financial, emotional and social well-being. More details at the Fifth Third Careers site. Attention search firms and staffing agencies: do not submit unsolicited resumes. Fifth Third does not accept resumes from agencies without an active agreement. Equal employment opportunity statement applies to all decisions. Fifth Third Bank, National Association is proud to promote equal employment opportunity regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. Seniorities and Employment Type
Mid-Senior level Full-time Job function: Finance and Sales
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