Loan Servicing Specialist (Retail)

Why should you join our team?

American AgCredit offers a unique opportunity to be a part of a national financial system supporting those who feed, clothe and fuel the world. We are a growing organization embracing collaboration and innovation while delivering transformative solutions. American AgCredit provides a cultivating environment where you truly make a difference for our customers and teams.

Benefits offered by American AgCredit:

• Commitment to agriculture and the communities we serve
• Family friendly work environment
• Investment in employee development
• Medical, Dental and Vision coverage
• Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
• Generous Paid Time Off (Vacation accrued at 21 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
• Competitive Incentive Compensation Plan
• Disability & Life Insurance
• Employee mental, physical, and financial wellness programs
• The position is bonus eligible based on association and personal performance

Position will be posted until filled.

BASIC FUNCTION:

The Retail Servicing Specialist operates in fast paced team environment with an emphasis placed on overall customer experience.  Provides outstanding customer service and specialized technical expertise in the processing of servicing requests of existing Retail Loans for the Association.  Follows Association workflow processes, policies, and procedures.

This role offers a great opportunity to significantly contribute to innovation that has high impact, and that creates tremendous value within the division and association.

 ESSENTIAL DUTIES:                         

• Orchestration of Retail Servicing Actions from request through booking.
• Exceptional communications skills:  phone, written & in person.
• Ensure customer service is maintained at a high level at all times. 
• Multi-task and manage multiple transactions simultaneously.
• Receive servicing request from Borrower and determine appropriate information needed to process and document request.
• Review loan files for completeness, including approvals, title reports, appraisals, entity documents, applications and supporting information.
• Prepare loan documentation according to servicing request and approval.
• Request UCC searches, certificates of good standing, obtain and verify insurance, request title commitments/prelim and review upon receipt. 
• Establish and maintain electronic member files as required.  Recognize discrepancies in instructions and noncompliance with policies and procedures and respond appropriately  Request clarification and supporting documentation from credit staff and appraisers as needed.  
• Strong communication within the Retail Division and Customer Success Team regarding prioritization and workflow.
• Coordinate with the Borrower to execute any documentation required for the servicing request and filing of appropriate documents.
• Takes initiative for learning and development by acquiring and refining of technical and professional skills needed in job related areas; proactively seeks performance feedback and identifies approaches to improve own performance.
• Research billing discrepancies, determine proper steps to resolve, and engage Loan Accounting when appropriate.
• Review past due reporting; including follow-up on payment commitments, proper systematic documentation regarding collected information, and communication with internal departments as necessary.
• Perform other functions assigned.

LEVELS OF SUPERVISION EXERCISED AND RECEIVED:

Exercises no supervision; works under general direction and general supervision of Retail Servicing Leader.  Makes some independent decisions.

TYPICAL EDUCATION AND EXPERIENCE:

• High school diploma, plus at least 2 years of post-high school education or equivalent.
• Minimum 2 years’ related office experience performing similar functions.
• Demonstrated ability to generate highly accurate work.
• Ability to use software and information technology to collect, organize, retrieve, maintain and disseminate information.  Ability to use technology in new or complex situations.

JOB REQUIREMENTS:

Must have the ability to perform basic office tasks and work in a typical office setting. Employee will be sitting for extended periods of time and accomplishing work at a desk and work at a computer for an extended period of time. Must have strong written and verbal communication skills to adequately convey ideas and work well with a team. Ability to talk and hear, sit and use their hands a