Lending Specialist

Intrepid Credit Union•Helena, MT

5h•$21 - $31

About The Position

The Lending Specialist performs a broad range of member services, including receiving consumer loan applications in person, online, and by inbound or outbound telephone calls; signing and funding approved applications; answering member questions; and cross-selling appropriate Credit Union products and services. The specialist is regularly the primary contact for many members and is part of the Lending Specialist career ladder. The role involves gathering loan and financial information, interviewing members and prospective members, helping prepare complete applications, reviewing and processing loan documents, submitting applications to underwriters, identifying appropriate loan alternatives, calculating loan terms and finance charges, quoting payoffs, and disbursing loans. The specialist also helps maintain loan accounts, assists members with vehicle NADA values, makes outbound calls, and promotes products such as GAP, warranties, and debt protection. The position includes performing Notary Public tasks and providing accurate, confidential, and professional member service in compliance with Credit Union policies and applicable laws and regulations, including BSA and anti-terrorism laws. The specialist builds effective working relationships across the Credit Union and may perform other job-related duties as assigned.

Requirements

Three to five years of similar or related experience.
High school education or GED.
Excellent communication and needs-based cross-selling skills.
Knowledge of loan and other financial product applications.
Ability to gather and analyze financial background information.
Knowledge of and compliance with laws, rules, and regulations applicable to financial institutions, particularly credit unions, including BSA and anti-terrorism laws.
Ability to interview members and prospective members, analyze situations and data, and direct members toward appropriate products and services.
Excellent multitasking ability and self-starting initiative to make outbound calls and meet baseline production goals.
Ability to complete required coursework, including Notary Public certification, within Credit Union procedures and timeframes.
Ability to develop extensive knowledge of Credit Union products, services, operations, and procedures within 90 days.
Good math skills and attention to detail.
Ability to type and operate general office equipment and computer software.
Familiarity with and ability to use Outlook, Instant Message, Word, and Excel.
Ability to develop an adequate skill level within 90 days on additional software, including the Credit Union's internal operating system, Episys.
Ability to communicate through spoken and written language, including documenting others' expression of ideas.
Ability to perform substantial repetitive movements of the arms, wrists, hands, and fingers, including keyboard and telephone use.
Ability to move through a standard office environment, including occasional bending and stooping, frequent sitting, and walking short distances.
Ability to occasionally move records or stacks of papers within the office, requiring possible lifting of up to 10 pounds.

Responsibilities

Receive members in person or by telephone, respond to requests and questions promptly and courteously, and interview members to assist them or determine the appropriate route of assistance.
Gather basic loan and financial information; explain Credit Union products and services; provide basic financial counseling and guide members toward appropriate resources.
Interview and assist members with accurate, complete loan and other product applications; receive, review, process, and submit appropriate paperwork to underwriters.
Determine appropriate loan alternatives based on members' needs and abilities.
Calculate loan terms and finance charges for proper disclosure on promissory notes, and quote loan payoffs as needed.
Disburse loans promptly and accurately and assist with loan account maintenance, including loading data.
Assist members with NADA values on vehicles.
Professionally cross-sell Credit Union products and services, including GAP, Warranty, and Debt Protection, and conduct outbound calls to grow business and promote products and services.
Perform tasks of a Notary Public.
Support Credit Union policies and procedures and comply with applicable laws and regulations, including BSA and anti-terrorism laws.
Assist members in resolving concerns while protecting confidential information and maintaining high-quality service and ethical standards.
Promote and cross-sell Credit Union products and services within and outside the Lending Services team, including New Accounts, Real Estate, Business Lending, and ACH.
Build effective working relationships within the Credit Union to improve member service through knowledge of departmental functions and abilities.
Perform other job-related duties as assigned.
Achieve or exceed assigned loan-volume goals.
Ensure loan decisions are made and relayed to appropriate parties within the applicable timeframe.
Maintain portfolio delinquency and charge-off rates within assigned targets.
Maintain knowledge of mortgage products, rates, trends, market conditions, and competitor products.
Ensure loan decisions comply with applicable federal and state regulations, policies, and procedures.
Troubleshoot and resolve member and internal inquiries accurately and promptly.