Consumer Lending Specialist
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Job Location:
Albany, GA - USA
Monthly Salary:
$ 22 - 27
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
If you are ready to join a company that truly cares about its employees our members and our community then you have come to the right place!
Summary of Role:
The Consumer Lending Specialist underwrites and processes consumer loan applications submitted by members through all channels. Ensures outstanding member experience high quality loan decisions that meet the credit unions lending policies and quick funding. The Consumer Lending Specialist communicates regularly with members via various channels including phone email and text messaging. The Specialist uses a proactive service approach taking ownership of loan applications during each interaction and overseeing the successful completion of these loans through funding. The Consumer Lending Specialist is also a champion for the use of digital loan processing solutions.
Essential Job Functions/Responsibilities:
Successful completion of Lender Certification Program
Maintain thorough understanding of all regulations governing consumer lending.
Underwrites and processes consumer loan applications placed by members through all channels.
Monitors multiple Lending Center queues and the functions within each queue ensuring that service levels for underwriting and document review are consistently met.
Communicates directly with members regarding their loan applications in a highly effective and professional manner through multiple channels including phone email text and MeridianLink web messaging.
Uses a proactive service delivery approach to maximize each member interaction sets expectations with the member for remainder of the loan process looks for ways to prevent future unnecessary member contact and works to move applications toward funding at each touchpoint.
Consistently renders accurate loan decisions in accordance with established policies and procedures.
Uses strong analytical skills to review approved loans for items such as proper stipulation completion proper rate and term handling full document collection and identity verification and ensuring proper system notation is maintained.
Consults with members and recommends products and services that meet member financial needs; including Broadview Insurance payment protection Wealth Management and GAP coverages.
Is proficient in all technical applications including: MeridianLink FIS Intranet Internet and has in-depth knowledge of our core systems
Provides professional quality service to members. Assists members and internal customers with questions and problems related to the credit unions loan programs.
Demonstrates a full understanding and knowledge of current policies and procedures necessary to underwrite consumer and student loans.
Is skilled in personal and telephone interviewing techniques including the ability to discuss loan alternatives in such a manner that will elicit a positive response from members.
Attends all appropriate job related external and in-house training provided by the credit union and departmental staff meetings.
Support the annual strategic goals demonstrating consistent effort to achieve assigned individual and team goals.
Review credit reports with members noting any findings including poor credit.
Offer knowledgeable financial counseling to members remaining up to date on the current lending environment and economic conditions as well as maintaining a strong and current understanding of lending risk.
Through the credit report evaluate member borrowing history including repayment history with the Credit Union. Underwrite the loan request adhering to Credit Union Lending policy while determining risk and members ability to repay the loan in full. Submits recommended decision based on application details.
Acts as a champion for the use of digital loan processing solutions including the online/mobile loan application the Mobile Application Center DocuSign and text messaging.
Obtains loan documents for the member whenever possible to reduce member effort in satisfying stipulations. Looks for and acts on other ways to improve the ease and efficiency of loan processing for the member.
Provide recommendations for efficiencies and new ideas to meet goals.
Actively participates in Broadviews community initiatives; meeting expectations for volunteering.
Performs other duties as assigned
Minimum Job Qualifications:
High School diploma and minimum of one (1) year of experience in a related field.
Prior experience in underwriting processing and closing consumer loans including auto RV/Boat sportscraft personal and credit card. Prior experience at Broadview or other financial institution strongly preferred.
Proven ability to review financial statements including paystubs purchase agreements insurance documents and other supporting documentation.
Ability to identify red flags in loan scenarios and supporting documentation.
Prior experience in customer service specifically cross selling within a financial services environment.
Proficiency in Microsoft Word and Excel.
Strong verbal and written communication skills.
Strong mathematical and analytical skills.
Starting Compensation:$22.62 - $27.15/hr. plus a competitive benefits package
Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply.
We are an equal opportunity employer. We do not discriminate on the basis of race creed color national origin religion sex age veteran status disability genetic information gender identity or any other protected class.
Broadview FCU is committed to ensuring individuals with disabilities and/or those whohave special needs participate in the workforce and are afforded equal opportunity to apply and compete for jobs. If you would like to contact us regarding the accessibility of our Website or need assistance completing the application process please contact us at
Required Experience:
IC
Key Skills
- Sales Experience
- Crane
- Customer Service
- Communication skills
- Heavy Equipment Operation
- Microsoft Word
- Case Management
- OSHA
- Team Management
- Catheterization
- Microsoft Outlook Calendar
- EHS
About Company
Welcome to Broadview Federal Credit Union. Here, the big picture is all about you. Broadview is devoted to your financial well-being, the strength of our communities, and employees who deliver on the values we share.
