Lending Contact Center Advisor

Community Choice Credit Union • Warren, MI

3d

About The Position

The Lending Contact Center Advisor represents the Lending Contact center and the Credit Union by exemplifying the Credit Union’s Values, and Brand. Responsible to identify member needs and recommend appropriate products, solutions and services that will improve the members’ financial lives. Conduct thorough member interviews and originate consumer loans for members by phone, via Internet and other delivery channels. Provide outbound contact with members to increase loan retention. Have the ability to cross-sell Credit Union products and services with the goal of increasing member loyalty. Ensure that regulations, State and Federal laws, policies and guidelines are followed. Educate members on other credit union offerings and cross-sell if there is a need. Handle calls with diplomacy and tact and serve as a catalyst for the credit union. This position is within the Lending Department and is an individual contributor within the organization.

Requirements

• High School Diploma
• 1-2 Years of Similar or related experience
• Experience preferably in a lending or sales related role
• Thorough knowledge of the financial industry
• Thorough knowledge of the core system and functionality
• Excellent interpersonal skills
• Ability to work with minimal direct supervision
• Personal computer skills including Microsoft Office
• Excellent communication and public relations skills
• Excellent analytical, decision making and mathematical skills
• General knowledge of the Credit Union’s Lending Policy/Guidelines
• General knowledge of the Credit Union’s products and services
• Ability to communicate with internal and external members using all avenues of communication
• Understanding of state and federal lending and member service regulations (Reg. Z – Truth in Lending, B – Equal Credit Opportunity and other lending regulations)
• Highly organized with a strong ability to multitask
• Must be proactive and motivated

Nice To Haves

• Associate’s Degree

Responsibilities

• Conduct quality member interviews that result in accurate loan applications to support fair and timely lending decisions.
• Ability to manage multiple applications input through different channels, including and not limited to; phone, mobile, and online to ensure applicants are consistently progressing through the application process to closing.
• Review closing documents with members and ensure all signatures and supporting documentation is included in the loan file and answer any member questions at closing to insure the loan process is completed accurately.
• Consistently use electronic signatures and other electronic methods to provide an efficient process and outstanding member experience.
• Ensure liens are placed on the collateral securing the loan request to protect the assets of the Credit Union.
• Maintain quality control on files to ensure conditions are satisfied.
• Contact members or third parties on pay-off requests, lien releases, and other related items.
• Provide assistance with fraud related issues, serving as a liaison between the member and the Risk Management team to maintain the safety and security of member account information. Follow all compliance and security procedures to minimize risk and protect members and the credit union.

What This Job Offers

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