Job DetailsLevelExperiencedJob LocationPacific Plaza - Tacoma, WAPosition TypeFull TimeEducation LevelHigh School Diploma or equivalent. Salary Range$24.62 - $36.92 HourlyTravel PercentageNegligibleJob ShiftM-F, Varies - Evenings and WeekendsJob CategoryProfessional ServicesDescriptionSound is looking for...A Loan Specialist to join our team! As the Loan Specialist, you will underwrite, process, fund and service all types of consumer loans. This includes underwriting and processing for both the Indirect Lending and Consumer Lending departments as needed, using both Lending 360 and MeridianLink loan origination systems. You will maintain excellent business relationships with participating dealerships in a high-volume environment. As the Loan Specialist, you will assist members with inquiries, requests, and/or problems in a friendly, respectful, courteous, and professional manner.At Sound you will experience...Our purpose which is "to stand with you through all waves of life". Every day, our employees help us to live this purpose. We believe in empowering our employees to do the right thing.A diverse workforce with an inclusive and supportive environment.Besides competitive pay, we offer career growth, and we hold a benefits package that's consistent with our purpose, personalities, and values.Teams that are living out the credit union philosophy of "people helping people".Fellow employees who are dependable, genuine, inclusive, and resourceful.Leaders of Sound Credit Union who embrace our Brand Purpose. At Sound, we recognize our actions strongly impact our Brand-led culture. Therefore, we commit to consistently serve as Brand Advocates by modeling desired behaviors to inspire others through being Supportive, Open, Unified, iNclusive, and by Doing the right thing.As a Loan Specialist you will...Participate in underwriting, funding, and servicing of a full range of consumer loans within lending authority limits; evaluate background information including employment history, credit history and debt to income ratio of applicants for loans, lines of credit, and VISA credit cards. Make credit decisions; approve/decline loans; evaluate risk; determine collateral needs and set terms for approved and modification of loans or identify reasons for denial. Review title paperwork and loan documentation.Receive, process and fund indirect (CUDL) funding packets.Review MSRP, NADA, or Kelley Wholesale guide for vehicle valuation.Maintain positive dealer relationships in a high volume, fast-paced environment.Maintain awareness of current trends in consumer credit financing.Analyze pay stubs and tax returns to determine income verification.Verify rate, term, and all stipulations are met including proof of income.Open new accounts obtained through all lending programs; input relevant information into computer system; prepare and send Welcome Packets for new members obtained through lending programs; audit loan files as assigned, to ensure compliance; respond to member inquiries regarding loans.Review signed membership application card (if applicable) and copies of Washington State DL.Ensure that purchase orders are signed.Maintain servicing of Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP).Responsible for ensuring all documents and information is complete prior to disbursement.Verify that the title application has Sound Credit Union listed as the lien holder. Verify that correct applicants are listed on the title application.Ensure that copies of the service, GAP, LoJack, and CL&D contracts are present; or any other type of ancillary products (if applicable).