Lending Specialist - Sales Consumer Loan Officer

This position is fully responsible for the attainment of all Direct Consumer Loan production goals as well as working as part of a global group towards the highest levels of member satisfaction and attainment of other KPI goals. Consumer loans will be originated and loan closings will be facilitated/funded by members of the lending sales team via our center network lending center web video calls or other delivery methods. All members of the lending sales team will be charged with helping existing members and potential members maximize the benefits of their Ent relationship. This will be accomplished through 1. A consultative sale/service approach that helps members realize the value of product and service offerings here at Ent; whether they be consumer loan related or otherwise 2. Through account management and business development endeavors that will include both internal and outbound pursuits. 3. By utilizing their expertise training and experience to help members in a productive financial counseling capacity (help members make the best use of their money) at all levels of the consumer lending process including delivering denial loan decisions.

Essential Functions

• Interview applicants about financial history and future financial goals while submitting loan applications. Provide a channel where members can receive the highest level of expertise and guidance through their loan process to accomplish their financial goals.
• Internal and External Business Development and Account Retention/Management. Control loan runoff and increase interest/fee income.
• Reporting and tracking. Help identify trends that can be addressed to improve service and productivity.
• Supporting Education and Service Teams. Provide means to reach service level agreements.
• Self Development in the areas of personal/consumer finance and sales. Improve effectiveness and profitability.
• Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures and regulations pertaining to the Bank Secrecy Act.

Qualifications :

Minimum Formal Qualifications for this Position

• High School Diploma/G.E.D. or equivalent.
• 2 years experience in a financial services institution to include. Required.:
• 6 months experience with Consumer or Mortgage Loan Origination. Required.
• 1 years experience as an Ent MSRLC. Preferred.

Each year of relevant work experience may be exchanged for a year in a relevant degree program or vice versa. For example a requirement of a bachelors degree in accounting and 2 years of account experience could be substituted for a high school diploma and 6 years of relevant accounting work experience or a masters degree in accounting and 0 years of work experience.

Technical or Specialized Knowledge/Skills:

• Knowledge of Credit Reporting/Scoring.
• Knowledge of Personal Finance auto buying real estate lending current affairs related to consumer Finance.
• Knowledge of Lending Regulations related to consumer lending.
• Strong critical thinking / analytical.
• Exceptional verbal and written communication skills.
• Capacity to learn and execute new sales skills.
• Typing skills 30 words per minute or more.
• 10 Key by touch.
• Proficient with the Microsoft Office suite (Word Excel Outlook) and Lending Software.

Certifications Required:

• None

Environmental Physical and Psychological Requirements

• Standing Occasionally
• Walking Occasionally
• Sitting Frequently
• Lifting Rarely 40 Lbs)
• Carrying Rarely
• Pushing Rarely
• Pulling Rarely
• Balancing Rarely
• Stooping Rarely
• Kneeling Rarely
• Crouching Rarely
• Crawling Rarely
• Reaching Occasionally
• Handling Occasionally
• Grasping Occasionally
• Feeling Occasionally
• Talking Frequently
• Hearing Frequently
• Repetitive Motions Frequently
• Eye/Hand/Foot Coordination Occasionally
• Noises louder than normal speaking volume Occasionally
• Temperature Changes Rarely
• Atmospheric Conditions Rarely

Additional Information :

The pay range for this position is: $23.36 to $25.50 per Hour (S12

Final compensation for this position will be determined by various factors such as relevant work experience specific skills and competencies education certifications and internal pay equity.

This position is eligible for an incentive plan.

Benefits Summary Sheet

At Ent Credit Union we offer a comprehensive benefits package including:

• Health Benefits: Affordable insurance 24/7 doctor access and a nationwide provider network.
• 401(k): 3 automatic contribution after six months plus up to 6 matching.
• Paid Time Off: During your first year enjoy 16 days of paid time off (PTO) plus 9 paid holidays. And it grows from there.
• Volunteer Time Off: Paid time off to give back to the community.
• Education Support: Up to $10000 annually for higher education and assistance for certifications.
• Exclusive Discounts: Significant savings on home car and personal loans.
  
  For more information about our outstanding benefits please visit our careers page at www.ent/careers.
  
  We anticipate this position to close on 04/03/2025. Please submit your application at your earliest convenience to be considered.
  
  Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
  
  The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about discussed or disclosed their own pay or the pay of another employee or applicant. However employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information unless the disclosure is (a) in response to a formal complaint or charge (b) in furtherance of an investigation proceeding hearing or action including an investigation conducted by the employer or (c) consistent with the contractors legal duty to furnish information. 41 CFR 601.35(c)