Role Summary:

This is a high producing sales position responsible for assisting members and potential members in a professional, friendly, courteous, and efficient manner. Gather information for loan requests, complete proper documents, and accurately process system input. Consult with members to identify and cross offer products and services that meet their financial needs.

Essential Functions and Responsibilities:

• Effectively manage relevant Consumer Loan Originator queues to process applications in a timely and thorough manner following established priority guidelines.
• Expeditiously serve members in a courteous and professional manner while providing prompt, efficient, and accurate service.
• Process all consumer and real estate application types. Accurately input member information in the consumer loan application.
• Effectively and efficiently interview loan applicants to obtain information concerning their loan needs, earnings, and financial condition. Clearly communicate the loan request details to the Consumer Loan Underwriter and/or Consumer Loan Funder as needed.
• Provide members with updates to loan application status as relevant. Ability to effectively communicate to members when additional loan documentation is required.
• Effectively communicate the loan decision to the member. When applicable, advise the member how to improve their credit score for future requests.
• Confidently assess member needs and match ancillary products and/or services to those needs. Educate and promote credit union products and services based on needs that are determined during the interview.
• Leads in reaching credit union loan, ancillary product, and insurance goals.
• Assists in training and cross training other employees
• Effectively initiates contact with members and perspective members through referral queues, call lists, leads, etc.
• Maintain in-depth knowledge of products and services, changes in regulations and internal policies and procedures specifically related to job.
• Accurately document all loan requests, as required by credit union policy and federal regulations
• Assist with Member Service duties as needed.
• Understand and comply with credit union policy, laws, regulations, and the credit union’s BSA/AML Program, as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious member and/or account activity.
• Perform all other duties as assigned.

Knowledge and Skills:

• Experience: Six months to two years of similar or related experience.

• Education: A high school education or GED. Completion of internal lending class or Consumer Lending School are preferred; however, three to four years related work experience may be considered.

• Interpersonal Skills A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary

• Other Skills:

  • Good working knowledge of credit union policies, procedures, products and services, loan underwriting and credit analysis, federal regulations, audit and security procedures, and our data processing system.

  • Proficient in computer and electronic delivery systems.

  • Ability to effectively multi-task.

  • Ability to cross-sell products and services to the member, as appropriate, to meet their financial needs.

  • Ability to work well with others in a high volume, fast paced, work environment

  • Self-starter.

  • Effective skills for team building, managing and motivating people, and the ability to develop employees by training, coaching, and mentoring. Other skills include research and analysis, good written and oral communication skills, and the ability to assist in the coordination of daily branch operations.

• Physical Requirements: Ability to lift up to 30 pounds

This Job Description is not a complete statement of all duties and responsibilities comprising the position. Duties, responsibilities and activities may change, or new ones may be assigned at any time with or without notice.

Experience

• Six months to two years of similar or related experience.

Education

• High School or better

• Technical/other training or better

Behaviors

• Team Player: Works well as a member of a group
• Functional Expert: Considered a thought leader on a subject

Motivations

• Self-Starter: Inspired to perform without outside help