Direct Consumer Loan Originator (Bilingual Preferred)

Navigator Credit Union•Moss Point, MS

About The Position

The Consumer Loan originator demonstrates a highly motivated, positive, outgoing, and influential personality with a strong emphasis on deepening member relationships via a consultative sales approach. Demonstrates an unsurpassed commitment to exceptional member service by having a thorough knowledge of the credit union’s consumer loan products and services. Consistently demonstrates the ability to think outside the box by effectively responding to each member’s unique situation. Originate and manage a pipeline of consumer loan applications over the phone and online. Process accurate loan applications, review the information, conduct loan interviews with members, and clearly articulate the information gathered to the underwriter. Demonstrate the ability to communicate effectively and professionally, ensuring an excellent experience for members and seamless collaboration with internal team members. Must interact effectively with members to understand their financial needs and recommend suitable loan products. Ensure accuracy and timeliness in all member communications and data input. Must use company's communication philosophy while interacting with consumer loan applicants and provide information on consumer loan products that best meet the member’s needs. Request, review, and deliver all appropriate documentation to underwriters. Conducts quality loan interviews with members using our service and communication methodology to meet member needs through Navigator Credit Union products and services. Cross-sell additional credit union products and services that meet member’s financial needs and or goals. Must properly identify members according to Navigator Credit Union policies and procedures when conducting transactions or providing account information. Accurately interprets the Fair Credit Report Act to assess creditworthiness and ensure compliance with lending regulations. Maintain a high level of understanding of consumer loan products and feature to identify, review, and promote appropriate products and services. Required to meet or exceed monthly sales targets and performance metrics while being detail-oriented with strong analytical skills. Must effectively escalate members disputes or issues through chain of command when necessary. Other duties as assigned by manager. Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Demand of myself, and others, the highest levels of integrity, leadership, accountability and teamwork.

Requirements

One year to three years of similar or related experience.
One year of experience in a sales environment is preferred.
High school degree or GED required.
Excellent verbal and written communication skills.
Accuracy and detailed oriented with strong organizational and time management skills.
Strong interpersonal skills with the ability to build rapport and establish trust with members.
Proven experience in loan origination, sales, or a similar role within the financial industry.
Strong understanding of lending practices, loan products, and regulatory requirements.
Strong commitment to punctuality and attendance are critical to this position.

Nice To Haves

College course completion preferred.
Bilingual Preferred.

Responsibilities

Originate and manage a pipeline of consumer loan applications over the phone and online.
Process accurate loan applications, review the information, conduct loan interviews with members, and clearly articulate the information gathered to the underwriter.
Communicate effectively and professionally, ensuring an excellent experience for members and seamless collaboration with internal team members.
Interact effectively with members to understand their financial needs and recommend suitable loan products.
Ensure accuracy and timeliness in all member communications and data input.
Use company's communication philosophy while interacting with consumer loan applicants and provide information on consumer loan products that best meet the member’s needs.
Request, review, and deliver all appropriate documentation to underwriters.
Conduct quality loan interviews with members using our service and communication methodology to meet member needs through Navigator Credit Union products and services.
Cross-sell additional credit union products and services that meet member’s financial needs and or goals.
Properly identify members according to Navigator Credit Union policies and procedures when conducting transactions or providing account information.
Accurately interprets the Fair Credit Report Act to assess creditworthiness and ensure compliance with lending regulations.
Maintain a high level of understanding of consumer loan products and feature to identify, review, and promote appropriate products and services.
Meet or exceed monthly sales targets and performance metrics while being detail-oriented with strong analytical skills.
Effectively escalate members disputes or issues through chain of command when necessary.
Comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Demand of myself, and others, the highest levels of integrity, leadership, accountability and teamwork.