Digital Lending Agent

Alabama Credit Union • Tuscaloosa, AL

2d • Onsite

About The Position

Responsible for processing and booking loans while evaluating applications received online and through the Member Care Center. Analyzes applicants’ financial and credit information to assess risk and make approval or denial recommendations within established guidelines. Prepares, closes, and disburses loans accurately and in a timely manner, coordinating with branches for in-person closings when needed. Provides clear guidance to potential and current members throughout the loan process, answers questions, and recommends loan solutions to meet member needs. Actively cross-sells loan products and related services, including payment protection, GAP, and warranties, as appropriate.

Requirements

• One year to three years of similar or related experience
• A high school education or GED
• Good logical and analytical judgment
• Very good communication skills
• Organizational skills
• Use of standard English grammar, punctuation, and spelling in written communication
• Proficiency in the use of a personal computer to include MS Word, Excel, Outlook (including organization tools such as calendar, task reminders, etc.)
• The ability to use web and web-based applications
• Proficiency in the use of 10-key calculator
• Keyboarding 45wpm
• Basic spectrum, understanding of governmental regulations for financial institutions
• Moderate cross-selling abilities
• The ability to comprehend and apply the consumer lending policy and guidelines when processing loan applications and submitting recommendations to the underwriters
• The ability to effectively present relevant loan information to underwriters
• The ability to effectively assist co-workers with loan applications or questions
• Understand the basics of titles and UCC filings
• The ability to communicate the benefits of consumer loan products while striving to sell appropriate products to protect the member
• The ability to work all type consumer loans with limited exceptions

Responsibilities

• Processing and booking loans
• Evaluating applications received online and through the Member Care Center
• Analyzing applicants’ financial and credit information to assess risk
• Making approval or denial recommendations within established guidelines
• Preparing, closing, and disbursing loans accurately and in a timely manner
• Coordinating with branches for in-person closings when needed
• Providing clear guidance to potential and current members throughout the loan process
• Answering questions and recommending loan solutions to meet member needs
• Actively cross-selling loan products and related services, including payment protection, GAP, and warranties, as appropriate

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED