Direct Consumer Lending Loan Consultant

U.S. Bank National Association

7d • $20 - $26

About The Position

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.
Job Description
Responsible for originating consumer loans, including but not limited to home equity loans and lines of credit and purpose finance for existing or prospective clients primarily via proactive, outbound and inbound calling efforts. Client opportunities are generated through U.S. Bank leads, multiple digital channels, internal referrals or independently sourced. Meets specific loan volume origination goals, which are established annually. Identifies lending solutions for new and existing clients based on their needs. Completes the loan origination by engaging customers in the application process using a digital application process when applicable. Responsible for post-closing follow-up connections with customers. Develops collaborative partnerships with mortgage loan originators and 24hr Banking team to best serve clients.

This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.

Requirements

• High school diploma or equivalent
• Three or more years of job-related, retail banking experience or a combination of lending/credit experience and commensurate training
• This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. You will be subject to the required registration process, which includes a criminal background and credit check. Failure to meet or maintain any of the NMLS registration requirements, including maintaining a satisfactory criminal and credit record, may result in a rescission of your offer or termination of employment.

Nice To Haves

• Comprehensive knowledge of all applicable bank and sales center policies, procedures and support systems
• Effective written and verbal communication skills to include professional telephone etiquette
• Strong customer service skills
• Strong sales aptitude
• Self-motivated with ability to achieve specific production goals
• Proven ability to learn and adapt to new information and technology platforms, and ability to teach customers how to use digital technology
• Effective problem-solving and active listening skills
• Experience in financial services and knowledge of financial services industry, products and solutions preferred

Responsibilities

• Responsible for originating consumer loans, including but not limited to home equity loans and lines of credit and purpose finance for existing or prospective clients primarily via proactive, outbound and inbound calling efforts.
• Client opportunities are generated through U.S. Bank leads, multiple digital channels, internal referrals or independently sourced.
• Meets specific loan volume origination goals, which are established annually.
• Identifies lending solutions for new and existing clients based on their needs.
• Completes the loan origination by engaging customers in the application process using a digital application process when applicable.
• Responsible for post-closing follow-up connections with customers.
• Develops collaborative partnerships with mortgage loan originators and 24hr Banking team to best serve clients.

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 501-1,000 employees