Consumer Lending Specialist

WEOKIE Federal Credit Union•Oklahoma City, OK

About The Position

The Consumer Lending Specialist supports members who apply for credit over the phone, helping identify appropriate lending and other credit union solutions while maximizing lending opportunities and funding rates. The role requires a positive, persuasive, sales-oriented approach, independent judgment, and the ability to respond to each member’s individual circumstances rather than relying on a one-size-fits-all process. The specialist must understand the lending process from application through closing, as well as credit union products, services, policies, procedures, and applicable regulations. The position emphasizes exceptional member service, effective communication, teamwork, accurate and timely responses, and achievement of individual and team goals. The specialist follows up with members, supports member education events, participates in ongoing loan and sales training, and adapts to changes in the work environment. The role involves frequent standing, walking, sitting, and talking or hearing, and occasional lifting or moving of up to 10 pounds. The work environment is not substantially exposed to adverse environmental conditions, and the noise level is usually moderate.

Requirements

High school diploma or GED required.
Ability to type 50 words per minute.
Familiarity with WEOKIE consumer lending policies and procedures, products and services, laws, and regulations.
Ability to communicate with internal and external members about underwriting philosophies; lending decisions and approval stipulations; loan products and services; credit bureau reports and scores; credit histories; GAP; Credit Life and Disability insurance; loan and deposit rates; lending policies and procedures; and automated underwriting.
Ability to solve practical problems involving concrete variables and individual evaluation when guidelines are available.
Ability to interpret written instructions, including loan policies, procedural manuals, and regulatory requirements.
Strong communication, sales, interpersonal, member-service, and teamwork skills.
Ability to work independently, remain composed under pressure, meet goals and deadlines, and maintain attendance and punctuality.

Nice To Haves

Some college education preferred.
Minimum of one year of consumer lending experience preferred.
One year of experience in a sales environment preferred.
Experience with Microsoft Outlook, Microsoft Internet Explorer, Microsoft Excel, Microsoft Word, DNA, and Meridian Link preferred.

Responsibilities

Understand the lending process from application through closing to support maximum funding rates.
Provide exceptional member service and work collaboratively with teammates and credit union staff.
Understand credit union products and services and offer solutions appropriate to members’ needs.
Use interpersonal and persuasion skills to achieve sales goals, address objections, and increase loan volume and residual product penetration.
Promote WEOKIE products and services to strengthen member relationships and support organizational profitability.
Prioritize work to meet personal, team, departmental, and company funding goals and deadlines.
Maintain above-average closing ratios by persisting through obstacles and performing effectively in a high-stress environment.
Understand and respond to members’ needs and concerns, follow up on expectations, and explain recommendations and products clearly.
Treat members with patience, respect, and empathy, including when handling complaints or difficult interactions.
Support member education events and seminars.
Provide timely and accurate information, responses, decisions, transactions, and member-request processing.
Accept coaching and feedback, assess personal strengths and weaknesses, schedule time off in advance, and avoid unscheduled absences.
Communicate clearly and simply with internal and external members, with sensitivity to cultural and gender differences.
Build rapport with colleagues, share expertise, demonstrate flexibility regarding scheduling, and foster team cooperation.
Use technology effectively to perform job functions, including applicable software systems.
Complete required ongoing loan and sales training and adapt to changes in the work environment.