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Job description
Cincinnati, OH
nFull time
nR70545
nMake banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.
nGENERAL 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.Provideaccurate,clearand 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 agreementsaremet.Responsible formoving 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.
nPartner with internal departments to escalate and resolve issues and problems. Quickly and efficiently promotes excellence in employee and customer experience. Always do the right thing for customers and colleagues, and ensure thatactionsandbehaviorsdrive a positive customer experience. Achieve results while consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
nDUTIES & RESPONSIBILITIES:
nnnProactively contact customers to collect documents needed to underwrite application (including, but not limited to, income documentation, trust information, etc.)
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nnProvide accurate information to the customer, explains products and policies in a clear, concise manner to ensure they understand documents needed for a lending decision
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nnEvaluate loan documentation, review income documents, analyze data, and clear conditions per delegated authority (credit and non credit documents)
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nnEffectively translate internal communication to customer to ensure all information is delivered professionally, accurately, and timely
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nnActive liaison between the client, underwriting and financial center to meet all loan and customer requirements
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nnActively manage pipeline of consumer loan applications
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nnFields inbound calls from internal and external customers.
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nnUnderstand and review personal and business tax returns and other income documents
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nnUnderstand and review vendor documents (title, appraisal, flood, verification of employment, etc.) to communicate with internal and external customers any unexpected issues or needs
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nnMaintain high level of customer service by being proactive in communicating with borrowers and loan originators.
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nnwnership as the escalation point for internal and external customer questions pertaining to documents needed for loan products
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nnEnsure accurate, complete, and timely loan data on processing and underwriting system
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nnActively participate in ongoing efforts to continually improve customer service for internal and external customers
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nnSupport the retail business partners in connection with consumer loan applications processed in the consumer credit centers.
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nnMaintain an in-depth, expert knowledge of all equity and non-equity lending products and services as they relate to procedures, increased efficiencies and policies
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nnAccurately enter issues into CIT so that issues can be routed appropriately, worked, tracked and resolved following standard Customer Complaint processes
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nnRespond to complex questions and issues from banking centers regarding products, systems and/or operational procedures in the banking center.
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nnWork independently to research and resolve issues or answer questions that often involve interpretation of bank policies and procedures.
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nnResponsible for completing call tracking and support documentation as required
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nnAct as a Trusted Advisor, proactively educating customers and bankers with each interaction.
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nnConsistently meet all quality, handle time, and aux/adherence standards.
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nnMentor and train less experienced Loan Specialists
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nnAssist with training and on boarding of new Loan Specialists
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nnServe as Consumer Lending Representative in the review of updates to existing procedure and newly developed procedures.
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nnSupport Consumer Lending on departmental projects.
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nnIdentify and communicate differences in regards to Regional Credit Center Operations
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nnWork with both credit centers to ensure consistencies and similar customer experience
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nnUnderstand loan policies and underwriting procedures to be able to explain cash flows, debt to incomes, and loan decisions to bankers
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nnResponsible for subject matter expertise regarding consumer credit policy and loan documentation requirements
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nnRespond to general inquiry emails in shared email box
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nnProvide all services above to Fifth Third customers calling into the credit center
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nnPerform any other duties as assigned.
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n nSUPERVISORY RESPONSIBILITIES: None.
nMINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:
nnnMinimum three (3) or more years of consumer lending experience in processing or customer service required
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nnIn-depth knowledge of loans and lending guidelines
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nnDetailed knowledge of processing, underwriting and closing procedures
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nnIn-depth knowledge and understanding of loan application and underwriting systems
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nnPrevious experience managing a pipeline required
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nnProven computer skills
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nnDemonstrated leadership and organization skills
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nnAbility to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired
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nnDemonstrated teamwork and customer service skills
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nnThis position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing System (NMLS). The NMLS web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions andregistrationrequiredforemployment in this position
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n nConsumer Credit Loan Specialist
nAt Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
nThe base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.
nOur extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: or by consulting with your talent acquisition partner.
nLOCATION -- Cincinnati, Ohio 45227
nAttention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.
nFifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.
nIntroduce yourself to our team to stay connected on future opportunities. We look forward to finding the right place for you. Are you ready to take the next step?
nFifth Third is a bank that's as long on innovation as it is on history. Since 1858, we've been helping individuals, families, businesses and communities grow through smart financial services that improve lives. With a commitment to taking care of our customers, employees, communities and shareholders, our goal is not only to be the nation's highest performing regional bank, but to be the bank people most value and trust.
Who can apply
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