Consumer Loan Advisor

Mirastar FCU•San Jose, CA

1d•Hybrid

About The Position

The Consumer Loan Advisor will serve as a trusted financial partner by delivering personalized lending solutions across phone, digital, and internal referral channels. This position will provide consultative, needs-based guidance, structuring lending solutions aligned to each member’s financial goals and credit profile. The incumbent will utilize knowledge of lending practices while applying credit union core values to drive loan production, improve member financial well-being, and deepen relationships. This role manages an active pipeline of loan opportunities from application through funding, collaborates cross-functionally, and is accountable for conversion, production, and member experience outcomes.

Requirements

High school diploma and 2 to 4 years of experience in consumer lending, financial services sales, or credit analysis within a financial institution, or an equivalent combination of education and consumer lending experience.
Strong verbal, written, and phone communication skills with demonstrated ability to communicate professionally at all levels.
Demonstrated success in a production- and goal-driven environment.
Effective interpersonal skills and ability to work with all levels of staff and members in a professional, approachable, and positive manner.
Forward-thinking with high standards and an appropriate professional image.
Ability to handle simultaneously multiple tasks and changing priorities in an efficient and effective manner.
Ability to maintain strict confidentiality.
Ability to conduct thorough research; interpret and understand laws and regulations, and provide workable recommendations and solutions to problems.
Broad knowledge of, and practical experience with, lending functions, products and services and the laws and regulations which affect the Credit Union.
Detail-oriented, self-starter who can work independently.
Maintain thorough and current knowledge of all federal, state, and local regulations as well as internal policies, procedures, products, and services.
Computer literate and proficient in software applications, financial analysis programs, Adobe Acrobat, online research tools, and MS Office: Word, Excel, PowerPoint, and Outlook.
Leadership ability, including the daily support of team members.
Ability to demonstrate commitment to self-improvement by taking the initiative of learning new skills, systems, and procedures as well as taking advantage of the continuous education opportunities within and outside of the Credit Union.
Hungry: Demonstrates a strong drive for continuous learning, growth, and expanded responsibility. Self-motivated, diligent, and proactive in identifying the next step and the next opportunity to contribute.
Humble: Operates with low ego and high respect for others. Actively recognizes and elevates the contributions of teammates, prioritizing collective success over personal recognition. Approaches work with openness, respect, and a collaborative mindset, welcoming diverse perspectives and constructive feedback.
Works Intelligently: Demonstrates strong situational awareness and sound judgment. Understands group dynamics, uses intuition, emotional intelligence, and thoughtful decision-making to navigate complex interactions to achieve the best outcomes.

Nice To Haves

Individuals working in this position must be located within the state of California.

Responsibilities

Conduct consultative, needs-based conversations with members to identify and recommend appropriate lending solutions, including consumer loans and ancillary products, aligned with their financial goals.
Guide members through the loan application process across phone, digital, and referral channels, building rapport to understand their financial position and provide credit guidance and financial education.
Manage an active pipeline of loan applications from initial inquiry through funding, ensuring timely follow-up, strong engagement, and high conversion rates.
Adhere to established service level agreements (SLAs) for application handling, decision communication, and funding timelines to ensure a consistent and high-quality member experience.
Utilize available tools (credit reports, loan origination systems, CRM, and core systems) to structure solutions, evaluate creditworthiness, and present tailored loan options (rate, term, and structure).
Proactively engage members through targeted outbound outreach, including pre-approved offers, refinance opportunities, and lifecycle-based campaigns to grow loan production and deepen relationships.
Identify opportunities to expand member relationships by recommending relevant financial solutions, including deposit products, ancillary protection products, and new membership onboarding for non-members.
Evaluate first and second mortgage opportunities and refer qualified members to the Mortgage Lending Department, ensuring a seamless transition and positive member experience.
Partner closely with underwriting, processing, and branches to deliver a smooth, efficient, and consistent end-to-end lending experience.
Clearly and professionally communicate underwriting decisions, including approvals, counteroffers, and declines, providing guidance and next steps to support member understanding and satisfaction.
Maintain consistent and proactive communication with members, internal teams, and partners to meet or exceed defined SLA expectations and overall service standards.
Detect and prevent potential fraud by conducting thorough review of applications, verifying member identity and documentation, identifying red flags, and escalating suspicious activity in accordance with credit union policies and regulatory requirements.
Ensure adherence to internal fraud prevention controls, including verification procedures, documentation standards, and system safeguards to mitigate risk.
Achieve or exceed individual and team performance goals, including loan production, conversion rates, member engagement, and relationship growth metrics.
Collaborate with branch and E-branch teams to onboard new members and enhance overall member engagement and experience.
Cross-train and provide operational support across lending functions, including origination, processing, and closing, as needed.
Continuously seek opportunities to improve processes, enhance member experience, and develop job-related knowledge, skills, and performance.
Maintain awareness of work status and escalate significant issues to management as appropriate.
Perform other duties as assigned to support the overall success of the Consumer Lending team.
Ensure full compliance with all applicable regulations, including Bank Secrecy Act (BSA), OFAC, and USA PATRIOT Act requirements, including member identification, customer due diligence, and reporting of suspicious activity.