Consumer Leasing Specialist

Job Description

JOB INFORMATION

Title:

Consumer Leasing Specialist

Officer Title:

Grade:

15.5

FLSA Classification:

Non-Exempt

Date Last Edited:

9/23/2021

Reports To:

Supervisor Consumer Loan Servicing

Department:

Consumer Lending Operations

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=812

PRIMARY FUNCTION

Responsible for being the main point of contact for all leasing items and performing relevant lease maintenance and end of lease process tasks. Handle all telephone & service request inquiries to the Consumer Lending area.

•

Performs tasks associated with end of lease process and maintenance. Prepares ownership transfer documents, updates post origination system, and obtains necessary documentation from lessee to complete disposition or renewal process. Reconciliation of reports and lease general ledgers.

•

Acts as liason between HVCU and Credit Union Leasing of America (CULA) and provides guidance on end of lease maintenance

functions.

•

Participates in relationship status calls and participates in on-site visits to assigned accounts to build relationships and improve service.

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Works closely with Relationship Managers, Account Managers, Customers and Lease Partners to provide superior customer service.

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Handle all service requests and perform necessary functions such as research, loan maintenance, transaction processing and reconstructions in response.  This includes, but is not limited to, student loan maintenance, vehicle, small business and home equity lien satisfaction documents.  Meet service request turnaround goals.

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Handle all member, vendor and employee telephone inquiries to the Consumer Lending area regarding closings, tax and escrow, insurance claims, loan corrections, etc.

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Perform all duties as a Consumer Leasing Specialist and provide technical support and training as needed.

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Responsible for all aspects of the collateral protection insurance program.   In addition, pays hazard and force-placed insurance premiums from escrow account.

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Ensure the Credit Union remains within regulatory compliance requirements by completing internal reports, vendor reports and reconciles various general ledger accounts.

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Seek to improve efficiencies and streamline operating expenses through innovative ideas for continuous improvement.

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Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.

•

Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.

•

Responsible for regular and predictable attendance including punctuality.

High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate.

X

Minimum 1 Year

Consumer Loan Servicing/Loan servicing industry work history

X

Lease Servicing/Lease loan servicing work history

X

•

Ability to read, understand and interpret documents, procedures and policies.

•

Ability to work in a fast-paced environment and deal with a variety of internal/external customer and vendor situations.

•

Intermediate verbal, written and presentation skills.

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Ability to understand and accurately apply basic mathematical concepts.

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Ability to perform alphabetical and numerical sorting and filing.

PHYSICAL DEMANDS

Frequency

Physical Demand

Weight (lbs.)

Frequently

Sit for prolonged periods of time

Frequently

Required to communicate verbally

Frequently

Normal range of vision and hearing abilities required

Occasionally

Lift and/or move objects

50

Occasionally

Travel outside of work location to attend meetings and training programs

Frequently

Required to skillfully operate a computer, telephone and other standard office equipment

WORK ENVIRONMENT

•

Typically the noise level in the work environment is moderate.

•

May experience occasional job stress in dealing with difficult situations and/or high volume.

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High energy, high impact atmosphere.

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There are no significant hazardous conditions.

View Competencies

Problem Solving

Knowledge of approaches, tools, techniques for recognizing, anticipating, and resolving organizational, operational or process problems; ability to apply this knowledge appropriately to diverse situations.

Level 3

1. Uses varying problem-solving approaches and techniques as appropriate.

2. Develops successful resolutions to critical or wide-impact problems.

3. Organizes potential problem solvers and leads problem resolution efforts.

4. Analyzes and synthesizes information and devises alternative resolution strategies.

5. Contributes to standard practices for problem-solving approaches, tools, and processes.

6. Ensures capture of lessons to be learned from a problem-solving effort.

Service Request Management Process

Knowledge of and ability to apply the processes, activities and tools associated with managing customer requests.

Level 3

1. Receives, verifies and dispatches the full spectrum of service requests.

2. Defines the processes and activities for handling non-standard or unsupported service requests.

3. Works with design and development of service request process flow and templates.

4. Employs alternative methods for verifying and prioritizing service request completion.

5. Researches new tools and techniques for monitoring service gaps and improving effectiveness.

6. Discusses the process and associated costs for different types of requests.

Service Excellence

Consistently incorporates Hudson Valley's member and employee value proposition, reinforcing organizational culture and brand differentiators.

Level 1

1. Anticipates and meets the needs of both internal and external customers. Delivers high quality service and is committed to continuous improvement.

2. Consults with management on modifying business processes to enhance service delivery. Monitors own work to ensure quality and apply feedback to improve performance.

3. Integrates core values into the way work is done and how relationships are conducted.

4. Possesses knowledge of customer service concepts and techniques; ability to meet or exceed customer needs and expectations and provide excellent service in a direct or indirect manner.

5. Tailors communications based on others’ needs, motivations and agendas.

Flexibility and Adaptability

Adapts as needed; knowledge of successful approaches, tools, and techniques for dealing with changes and adapting to a changing environment.

Level 2

1. Accepts new or radical ideas with an open mind; avoids snap reactions.

2. Adjusts to new or changing assignments, processes, and people.

3. Demonstrates ability to successfully manage multiple tasks and priorities.

4. Demonstrates willingness to listen to other opinions.

5. Identifies and considers alternative approaches to situations or problems.

Work Standards

Sets high standards of performance for self and others; assumes responsibility and accountability for successfully completing assignments or tasks.

Level 2

1. Documents how results were obtained to support knowledge transfer and best practices.

2. Helps others drive tasks to completion as appropriate.

3. Holds self and others accountable for delivering on all commitments.

4. Identifies actions necessary to achieve task completion and to obtain results. Meets schedules, deadlines, and performance goals.

5. Recognizes the need for assistance and secures additional resources as needed. Escalates issues and unusual findings that could have an adverse impact on the business.

6. Understands and appropriately applies principles, procedures, requirements, regulations, and policies related to role.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, with or without notice.

Nothing contained in this material creates a contract of employment between an employee and Hudson Valley Credit Union or otherwise alters the at-will nature of the employment relationship.

Are you able to perform the essential functions listed in this job description with or without reasonable accommodation?  YES_______  NO_______

By signing below you certify that you have received this job description and understand the requirements, essential functions and duties of the position.  If you are currently employed in this position, your signature acknowledge that this job description accurately describes the position, including its essential functions.

Name:  _____________________________________________

Signature: _____________________________________________

Date:  _____________________________________________ 

Please also note that Hudson Valley Credit Union respects the religious beliefs and practices of employees and will, on request, reasonably accommodate its employees when a reasonable accommodation is available that does not create an undue hardship on the Credit Union’s business.  Therefore, unavailability for work due to religious observances or practices may not be a bar to employment.