Consumer Lending Specialist

The Power to Shine•Gainesville, FL

15h•Onsite

About The Position

The Consumer Lending Specialist role is responsible for assisting members and potential members with their secured and unsecured lending needs. This role provides expertise on Credit Union loan products and services, setting up new accounts, and building member relationships to generate future loan opportunities. The position utilizes traditional communication methods such as phone calls, as well as digital technology including email and text messaging.

Requirements

Three years to five years of similar or related experience.
A high school education or GED.
Working knowledge of regulations relating to all Credit Union deposit products (Reg E, Reg CC, Reg D, Truth-in-Savings Act).
Able to operate a 10-key calculator and computer keyboard.
Communication skills required.
Ability to communicate with members, specifically, ability to speak clearly with sufficient volume to be heard by members and ability to hear members' responses.

Nice To Haves

Interpersonal skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Responsibilities

Fulfill members and prospective members’ unsecured and secured loan applications and inquiries.
Identify cross-sell opportunities and offer services and products to members including GAP, MBP, and debt protection.
Prepare necessary documents for loan processing and underwriting, including handling approved loans for documentation, disbursement, and filing.
Ensure all documents and processes are in compliance with Credit Union policies and state and federal regulations.
Make appropriate outbound calls to build business with current and potential members and dealers.
Use appropriate sales queues to sell Credit Union products and promote member retention.
Utilize daily reporting and queues to ensure loan applications are completed within applicable regulatory timeframes and Credit Union service level expectations are met.
Fund loans according to Credit Union policies and procedures.
Finish loan packages and send all completed loan documents to Quality Control.
Assist members with opening accounts.
Answer questions pertaining to Credit Union products (GAP, MBP, and debt protection) and services and resolve problems within authority.
Provide support to branch staff with unsecured and secured consumer loan questions.
Perform other duties as assigned.