Consumer Loan Originator

Arizona Financial Credit Union•Phoenix, AZ

9d•Hybrid

About The Position

The position is responsible for originating Consumer Loan applications via phone with an emphasis on capturing additional loan opportunities that create mutual benefit. The role involves managing all loan by phone questions with a heightened focus on service to members, maintaining in-depth knowledge of various consumer loan options, and analyzing credit reports to determine member's debt-to-income ratio and creditworthiness. The originator will also process and fund applications, create an exceptional handoff to a consumer loan officer, and act as a relationship manager between various internal teams. Additionally, the role includes queue management, completing service calls, performing follow-up communications, identifying opportunities to strengthen member relationships, and demonstrating brand guidelines to become the member's lender of choice.

Requirements

High School diploma or general education degree (GED) and one (1) year experience in a financial institution with consumer lending experience.
Knowledge of computers and standard Windows software applications.
Ability to type 45 words per minute.
Ability to perform 10-key accurately.
Ability to read, write, speak, and use proper grammar in English.
Must register as an MLO.
Ability to communicate in person, on the telephone, and through written business correspondence.
Ability to interpret and analyze written reports, instructions, correspondence, and procedure manuals.
Ability to speak effectively to members regarding sensitive inquiries or complaints.
Ability to add, subtract, multiply, and divide whole numbers, decimals, and common fractions.
Ability to calculate rates, ratios, and percentages.
Ability to make decision based on training, commonsense understanding, and guidelines.
In compliance with the federal Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act of 2008, Arizona Federal employees acting as Mortgage Loan Originators (MLO) must be registered with the Nationwide Mortgage Licensing System (NMLS).
Employees who work from home must have business operational internet to complete work tasks and communicate via video call or chat messaging systems in a dedicated workspace.

Nice To Haves

Six (6) months call center experience.
One (1) year experience as a Personal Banker at Arizona Federal.

Responsibilities

Managing all loan by phone questions with a heightened focus on service to members.
Maintaining in depth knowledge of all consumer loan options including but not limited to: personal, share secured, auto, boat, recreational vehicles, business visa’s, and equity loans.
Obtaining and analyzing credit reports to determine member’s debt to income ratio and creditworthiness.
Originating equity loans and identify and refer 1st Mortgage business opportunities.
Processing and funding applications on applicable loan types, including but not limited to personal loans and shared secured loans.
Creating an exceptional handoff to a consumer loan officer for further processing of an approved application.
Acting as a relationship manager between Consumer Underwriting, Consumer Lending Servicing, Retail Branches and Equity Servicing team.
Performing all necessary queue management tasks throughout the day.
Completing service calls and/or other outbound efforts.
Performing all necessary follow-up communications with new or existing members electronically or by phone, to secure a mutually beneficial relationship.
Fostering strong relationships and help with identifying additional opportunities to strengthen member relationships.
Business Partner Referrals.
Outbound Sales on targeted member opportunities.
Demonstrating habits and behaviors consistent with brand guidelines, aimed at becoming the members’ lender of choice.
Performing other job-related duties as assigned.