Position Summary

The Auto Finance Coordinator partners directly with the Auto Finance Specialists to support the daily loan closing process by compiling, reviewing, and verifying the accuracy of auto loan packages prior to funding. The role pre-audits closing documents to confirm compliance with underwriting, policy, program, and regulatory requirements — including accurate disclosures, fees, interest rate, and loan-to-value — and ensures that loans are funded efficiently, accurately, and on time. The Coordinator manages a high-volume closing pipeline in a fast-paced environment, communicates effectively with internal partners and external members, and uses CUTX-approved AI and productivity tools to support document review, exception triage, and process improvement.

Key Responsibilities

Loan Package Review & Pre-Audit

• Review, pre-audit, and analyze closing document packages for accuracy and completeness to ensure minimal redraws and post-closing issues.
• Verify accuracy of disclosures, fees, interest rate, loan-to-value (LTV), and other key loan terms prior to funding.
• Confirm that loans meet underwriting, policy, program, and compliance guidelines before release for funding.
• Use comment system screens to document events so that management and staff can view and determine the status of each loan file.
• Follow up to ensure timely receipt of missing or corrected information and documents.

Closing Pipeline & Workflow Management

• Maintain the closing pipeline assigned for daily closings and workload, prioritizing files to meet funding deadlines.
• Handle multiple tasks simultaneously with a high level of accuracy and attention to detail.
• Apply strong time management skills to plan and organize a high loan volume in a fast-paced environment.
• Submit closing process improvement ideas to help maintain a smooth and efficient closing process.
• Complete additional duties assigned by management.

Collaboration & Communication

• Develop strong working communication with Auto Finance Specialists to ensure loans get funded efficiently and accurately.
• Answer questions regarding closing requirements from staff, members, or other departments.
• Work constructively with fellow Auto Finance Specialists and other employees to ensure loans are funded accurately and timely.
• Deal tactfully and courteously with internal and external members and others by phone or electronic communication.
• Support Sales and Service department goals as needed on a regular basis.

Member Service & CUTX Values

• Deliver outstanding service to internal and external members that meets and exceeds CUTX's core values (We are interested, not interesting; We are empowered; We have fun) and creed (Care, Understand, Teach, Xceed).
• Obtain and communicate effective knowledge of the credit union's products and services.
• Accurately complete transactions within members' accounts.
• Demonstrate enthusiastic support of CUTX's mission, core values, and long-term objectives.

Risk, Compliance & Documentation

• Perform job duties within CUTX bylaws, regulations, Board of Directors policies, established internal and external service standards, and documented work procedures.
• Ensure every loan file is documented sufficiently to support audit and examination review.
• Identify and escalate compliance concerns or unusual loan package conditions to the Manager of Auto Finance.
• Maintain awareness of changes in lending regulations (TILA/Reg Z, ECOA/Reg B, UDAAP) and apply them in day-to-day work.

Performance Outcomes & KPIs

Qualifications

Education

• High school diploma or general education degree (GED) required.
• Associate or bachelor's degree preferred.

Experience

• Minimum two (2) years of experience in loan processing, underwriting, or funding analysis.
• Prior auto lending or indirect/direct auto finance experience preferred.
• Prior credit union or community bank experience preferred.
• Prior experience using AI- or analytics-driven document review or workflow tools preferred.
• Bilingual English / Spanish preferred.

Licenses, Registrations, and Certifications

• None required.

Knowledge & Skills

• Working knowledge of auto loan documents, lien perfection requirements, and loan policies and procedures.
• Working knowledge of TILA/Reg Z, ECOA/Reg B, UDAAP, and applicable consumer lending regulations.
• Familiarity with NADA, CARFAX, DocuSign, TxDMV/TXDOT title processes, and credit bureau reports (CBR) preferred.
• Proficiency with Microsoft Office (Word, Excel, Outlook) and ability to learn CUTX loan origination and servicing systems.
• Accurate typing skills (40 wpm) and proficient use of standard office equipment (PC, printer, scanner, calculator, telephone system).
• Strong written and verbal communication skills, including courtesy, proper grammar, and the ability to present information clearly to supervisors, members, and coworkers.
• Strong attention to detail, organizational skills, and follow-up discipline.
• Ability to consistently meet deadlines and perform well under pressure in a high-volume environment.
• Ability to calculate rates, percentages, interest, and other figures common to consumer lending.
• Ability to apply common sense to carry out instructions in written, oral, or diagram form and deal with problems involving concrete variables in standardized situations.

Core Competencies

AI & Technology Expectations

AI-Augmented Workflows

The following workflows are AI-augmented in this role. The Auto Finance Coordinator is expected to work fluently within these workflows, exercise sound judgment over AI outputs, and follow all applicable controls.

• AI-assisted document extraction and triage — AI extracts structured fields (rate, fees, LTV, VIN, borrower data) from closing packages to populate or validate the system of record.
• AI-flagged exception detection — AI highlights potential disclosure, fee, rate, or LTV discrepancies in closing packages for Coordinator review.
• AI-assisted drafting and summarization — AI supports drafting internal communications, file notes, and process documentation.
• Workflow prioritization — AI surfaces aging files and pipeline outliers to support daily queue management.

AI Tier and Human-in-the-Loop Responsibility

This role operates in AI Tier 2 for its principal AI-augmented workflows (see Appendix A). The Auto Finance Coordinator retains accountability for any decision, communication, or member/employee-impacting action influenced by AI output, consistent with the CUTX Generative AI Usage Policy §3.4.

The Auto Finance Coordinator is required to:

• Apply human-in-the-loop review on every AI-extracted field, exception flag, and AI-drafted communication before action is taken or a file is released for funding.
• Stop reliance on AI output and escalate immediately if the output appears inaccurate, biased, non-compliant, or outside the role's documented scope (Generative AI Usage Policy §3.5).
• Refrain from entering member non-public personal information (NPI), confidential CUTX information, or material non-public information into any AI tool not explicitly approved for that data classification.
• Complete all required AI training within thirty (30) days of hire and maintain currency on annual refreshers.

Approved AI Tools

The role is approved to use the following AI tools in performing essential functions (subject to the Generative AI Usage Policy and any tool-specific guidance issued by the AI Council):

• CUTX-approved internal AI assistants (e.g., Sam) for general productivity and approved knowledge tasks.
• Microsoft Copilot for office productivity (drafting, summarization, spreadsheet support).
• CUTX-approved AI-augmented document review and extraction tools deployed within the loan origination platform.
• Approved lending data sources used in conjunction with AI workflows (e.g., NADA, CARFAX, DocuSign, CBR).

Use of AI tools outside this list requires prior approval from the role's department leader and the AI Council, per the Generative AI Usage Policy §4.

Prohibited AI Use

In addition to the prohibited uses defined in the Generative AI Usage Policy §3.6, the following are specifically prohibited in this role:

• Using AI output as the sole basis for releasing a loan for funding or for any adverse member action.
• Entering member NPI (full account numbers, Social Security numbers, signed loan documents) into any AI tool not explicitly approved for that data classification.
• Using consumer AI tools to draft or modify member-facing legal disclosures or loan documents; these must originate from approved templates and follow established procedures.

Compliance & Regulatory Responsibilities

Enterprise Compliance Obligations

The Auto Finance Coordinator is responsible for all enterprise compliance obligations applicable to a CUTX team member, including BSA/AML, OFAC, USA PATRIOT Act/CIP/CDD, GLBA and the Safeguards Rule, Fair Lending laws (ECOA/Reg B, Fair Housing Act), UDAAP, Information Security and Acceptable Use, and the CUTX Code of Conduct.

AI-Specific Compliance Obligations

The Auto Finance Coordinator is responsible for the CUTX Generative AI Usage Policy (TRAIGA / HB 149-aligned), the CUTX AI Playbook (including Tier 2 obligations applicable to this role), and Texas Responsible Artificial Intelligence Governance Act (TRAIGA / HB 149) requirements applicable to the role.

Role-Specific Compliance Obligations

• Truth in Lending Act (TILA) / Regulation Z — accurate disclosure of finance charges, APR, and loan terms.
• Equal Credit Opportunity Act (ECOA) / Regulation B — fair lending in loan processing and funding.
• Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) standards.
• Gramm-Leach-Bliley Act (GLBA) and the Safeguards Rule — protection of member NPI in loan packages.
• Texas Finance Code provisions applicable to consumer auto lending and title perfection.
• Texas Department of Motor Vehicles (TxDMV) title and lien perfection requirements.
• CUTX Lending Policy, Auto Finance Procedures, and applicable loan program guidelines.

Working Conditions & Physical Requirements

This role is performed on-site at the CUTX Corporate Office in a standard office environment with no hazardous or significantly unpleasant conditions. The work is primarily sedentary. Essential physical activities include the ability to remain stationary at a workstation for extended periods; use hands and fingers for repetitive motions such as typing (40 wpm) and handling documents; operate a computer, printer, scanner, calculator, and telephone system; communicate clearly by phone, email, and in person with Specialists, members, and internal partners; and review printed and electronic documents for accuracy. The employee will occasionally stand, walk, reach, stoop, kneel, crouch, or lift and move up to 10 pounds. Average hearing and visual acuity sufficient to conduct normal conversations and inspect documents are required. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions of this role, consistent with the Americans with Disabilities Act and CUTX policy.

Compliance Requirement

The responsibilities contained within this job description remain compliant with the Bank Secrecy Act/Anti-Money Laundering, Office of Foreign Assets Control, and USA PATRIOT Act as they apply to the duties of the position.

Acknowledgement & Disclaimer

This job description is intended to describe the general nature and level of work being performed by individuals assigned to this position. It is not intended to be an exhaustive list of all responsibilities, duties, and skills required, and CUTX reserves the right to modify, add to, or remove duties at any time as business needs require.

Employment with CUTX is at-will. This job description does not constitute an employment contract.