Consumer Lending Ops Specialist (Auto Funder)

About the role

• Axos Bank
• Target Range: $21.00/Hr. - $23.00/Hr.
• Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.
• Eligible for an Annual Discretionary Cash Bonus Target: 10%
• Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10%
• These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

The Consumer Lending Operations Specialist is responsible for supporting and funding consumer lending products such as Auto Lending and Unsecured Lending. Comprehensive knowledge and experience of auto lending is a must. The Consumer Lending Operations Specialist is responsible for performing a variety of operational duties to support the consumer lending business. Must be able to work overtime and some Saturdays, as needed.

Responsibilities

• Review and fund consumer automobile loan applications that conform to credit decisioning in accordance with approved guidelines and policy constraints while meeting service level agreements.
• Prepare required write-ups (as applicable) and ensure all due diligence and background evaluation is complete and thorough before loan funding.
• Communicate effectively with appropriate parties to satisfy conditions and maintain stellar internal and external customer service.
• Thorough review and evaluation of all documentation related to the loan file to ensure accuracy and completeness.
• Work in a team oriented, fast-paced environment by contributing to operational efficiencies and by meeting or exceeding key performance indicators.
• Prepare and complete journal entries and reconciliations.
• Ensure applications/loans meet regulatory requirements.
• Other duties as assigned, to meet business and company needs.

Qualifications

• 2+ years in auto loan funding.
• Experience in other consumer lending products (unsecured lending, credit card, etc) preferred.
• Applied knowledge of loan funding fundamentals and standard industry practices
• Excellent organizational skills
• Attention to detail is a must, along with a keen eye for identifying problems on a loan
• Strong math skills and computer literacy, including Microsoft Office proficiency
• Ability to work under pressure, multi-task, and meet deadlines in a fast-paced environment
• Excellent verbal and written communication skills (English) and negotiation skills
• Willingness to perform multiple functions throughout the day as the need arises
• Ability to work well within a team in a production environment with expected service level standards

Axos Employee Benefits May Include

• Medical, Dental, Vision, and Life Insurance
• Paid Sick Leave, 3 weeks' Vacation, and Holidays (about 11 a year)
• HSA or FSA account and other voluntary benefits
• 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
• Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading

Pre-Employment Background Check and Drug Test

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

Job Functions and Work Environment

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.