Consumer Sales Representative

Arkansas Federal Credit Union • Little Rock, AR

79d

About The Position

The primary components of this position are following up on loan approvals and opening deposit accounts originated through the online portal. The Consumer Sales Representative (CSR) will follow up on all loans originated through the Consumer Sales team, Contact Center and online application portal. The CSR will thoroughly review the member's credit history to identify the financial needs of each member and recommend an appropriate credit union solution. This position will follow up on newly originated loans and solicit new business from potential, new, and seasoned members by offering relevant loan and deposit products, as well as other products and services specifically selected to help meet the member's financial goals. The CSR must have extensive knowledge of policies and procedures related to loan products, deposit products, and various credit union services.

Requirements

• Knowledge of a specialized field such as basic accounting, computer skills, etc.
• Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college.
• 19 to 23 months related experience and/or training, or equivalent combination of education and experience.

Responsibilities

• Provide exceptional member service to every member, every time by delivering consistently high-quality service to both internal and external members that is in alignment with our values.
• Follow up on all loan approvals through the online portal, approved Contact Center applications, and the Consumer Sales team.
• Relay and discuss underwriting decisions with the applicant including terms, pricing, collateral value, credit history, and denial reasons if applicable.
• Process loan documents as needed, including preparing documents for closing, funding loans and booking loans into the core system.
• Cross-sell financial products and services appropriate to each member's personal financial needs.
• Open various deposit accounts as a result of cross-selling.
• Compile required information for completion of loans through member interviews, credit union records, credit reports and other sources as necessary.
• Read and interpret credit reports and explain information to members and team members as needed.
• Interact with members and team members via telephone, e-mail, fax, texting/SMS, or mail to obtain documentation, stipulations and/or additional information needed to complete loan/deposit requests.
• Ensure loan stipulations made by the underwriter are met and follow up with members resulting in closed and funded loans.
• Identify potential problems with loan applications and assist applicant in arriving at workable solutions with the assistance of the loan underwriting team.
• Review, analyze, and prepare completed and contracted applications to ensure completeness and accuracy before sending to processing for booking and funding.
• Create, maintain, and manage tracking spreadsheets on outstanding loans to ensure efficient and timely follow up and funding.
• Maintain extensive knowledge on all aspects of loan products and documentation.
• Contribute to and work special promotional activities and loan specials as needed.
• Assist members primarily through electronic channels with all requests regarding their membership; all AFCU loan and deposit products; and all AFCU services while providing each member with the 'one stop' philosophy.
• Assist in ensuring the security of all sensitive information and materials needed for daily operation of the Consumer Sales team.
• Perform any other related duties as required or assigned.

What This Job Offers

• Industry: Credit Intermediation and Related Activities
• Education Level: Associate degree