Lending System Specialist

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Position Summary

The Lending System Specialist, you will have the opportunity to use your strong system aptitude, attention to detail, and accuracy to support the lending division’s system maintenance, project deliverables, and AI/ML Tools. This role will create high-quality system testing, validation, and documentation to ensure that the division's key performance indicators are met and to improve efficiency.

Principle Duties and Responsibilities

• Works with purpose and is driven to provide the best team member experience.
• Willingness and ability to exhibit Wellby Core Values every day.
• Develop and execute test scripts and perform system testing and validation for core and ancillary lending systems supporting Consumer, Indirect, Mortgage, Collections, and Loan Servicing operations, including system enhancements, product updates, and conversion activities.
• Support lending projects and initiatives by coordinating testing activities, documenting results, and partnering with project teams to ensure requirements and deliverables are completed accurately and timely.
• Perform preapproval campaign testing and communicate testing results to internal stakeholders.
• Create, maintain, and distribute exception reports to monitor system functionality, process performance, compliance findings, and product support issues.
• Monitor regulatory and compliance requirements impacting lending systems and processes, including TILA, TRID, MLA, HMDA, ECOA, FDCPA, and other applicable regulations.
• Assist with testing, implementation support, and ongoing maintenance of automation, AI, and machine learning tools designed to improve operational efficiency and service delivery.
• Observe operational processes and identify opportunities for process improvements, documentation enhancements, and workflow optimization.
• Develop and maintain departmental procedures, job aids, and process documentation to support consistent operations and compliance requirements.
• Support internal and external audits by gathering requested documentation, assisting with system updates, and documenting findings and corrective actions.
• Maintain lending optimization logs, reports, and tracking tools related to system changes, outages, operational issues, and vendor support activities.
• Review internal and member-facing documentation, including department procedures, intranet content, and website information, to ensure accuracy and consistency.
• Assist with maintaining Business Continuity Planning (BCP) documentation for the lending division, including operational procedures, contact information, and recovery-related documentation.
• Participate in user acceptance testing (UAT), defect tracking, and issue resolution efforts to support successful system implementations and enhancements.
• Escalate system issues, process concerns, and potential compliance risks to leadership for review and resolution.

• Performs other duties as assigned.

Knowledge, Skills, and Abilities (KSA)

• Knowledge of Wellby’s organizational functions and general operating policies and procedures.
• Knowledge of general office practices and procedures, business English, spelling, and punctuation.
• Knowledge of personal computers, utilizing Microsoft Office Suite and other software.
• Knowledge of lending regulations and compliance requirements (e.g., TIL, TRID, HMDA, ECOA, MLA, FDCPA)
• Knowledge of consumer, indirect, mortgage, collections, and loan servicing processes.
• Skilled in operating computer equipment and general office machines such as personal computers, copiers, projection equipment, audio/video, Microsoft Teams, Zoom Video Communications, and adding devices.
• Skilled in gathering, analyzing, and organizing information from multiple sources.
• Ability to troubleshoot system issues and resolve discrepancies in testing or reporting.
• Ability to support audits, examinations, and compliance reviews through accurate documentation and research.
• Ability to interpret and apply lending regulations, policies, and procedures.
• Ability to communicate clearly and concisely, orally and in writing.
• Ability to efficiently understand and follow oral and written instructions, perform routine duties without close supervision, and establish and maintain effective working relationships with other team members.
• Ability to coordinate several concurrent activities simultaneously.
• Ability to exercise independent judgment.

Supervisory Responsibilities

• Team member does not have supervisory responsibilities.

Complexity & Scope of Work

• The team member follows Wellby’s policies and procedures, Team member Handbook, and federal and state laws and regulations in accomplishing assignments
• The team member will ensure policies, procedures, and programs are consistently administered, aligned with organizational goals, and compliant with professional standards.
• The team member performs routine and generally related tasks without supervisory direction.
• Tasks may occasionally have to be coordinated, integrated, and/or prioritized.

• Courses of action are determined by established procedures and/or their leader.
• The team member’s work is reviewed periodically for accuracy, completion, and compliance with the policies and procedures.
• The team member uses independent judgment in making decisions.

Physical Demands & Work Environment

• The physical demands and work environment characteristics described here represent those that must be met by a team member to successfully perform the essential functions of this position. Reasonable accommodations may enable individuals with disabilities to perform essential functions.
• To perform this job successfully, the team member is frequently required to remain in a stationary position 50% of the time. Daily movements include sitting, standing, reaching, and grasping; operating computers and other office equipment; moving about the office; and attending possible onsite and offsite meetings. 
• The team member must be able to exchange information in person, in writing, and via telephone. Some degree of stress results from contact with management and other team members.
• The ability to observe details at close range (within a few feet of the observer).
• Must be able to occasionally lift items weighing up to 25 pounds across the office and load them onto shelves for various needs.
• The noise level in the work environment is usually moderate.
• Work involves the typical risks and discomforts associated with an office environment, but is usually in an adequately cooled, heated, lighted, and ventilated area.

Minimum Qualifications

• Bachelor’s degree in finance, Business, Economics, Information Systems, or a related field required 
• Minimum three (3) years of experience in lending operations, lending systems, loan servicing, or a related area within a financial institution. One year of required education may be substituted for one year of experience.
• Experience with Microsoft Office suite products.
• Experience with lending compliance and regulations.
• Strong communication, problem-solving, work standards, administrative, and analytical skills required.
• Bondable

For All Candidates

This is a Full-Time, Salary (exempt) role.

Wellby is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, veteran status or any other legally protected characteristic. If you'd like more information about your EEO rights as an applicant under the law, please contact Human Resources. Wellby provides equal opportunity to qualified individuals with disabilities and disabled veterans. If you need a reasonable accommodation, please email [email protected] or call 281-226-1696 for assistance. 

Disclaimer

The statements herein are intended to describe the general nature and level of work being performed by team members and are not to be construed as an exhaustive list of responsibilities, duties, and skills required of personnel so classified. Furthermore, they do not establish a contract for employment and are subject to change at the discretion of the Company.