Member Loan Consultant

MTC Federal Credit Union•Ardmore, OK

About The Position

The Member Loan Consultant (MLC) is a sales position primarily responsible for originating consumer loans and building relationships with members and potential members. The MLC will use their knowledge of the consumer marketplace, products and finance to fully understand the members' personal plans and then market the MTC Federal services that best meet the needs. Essential Functions & Responsibilities: -Responsible for complying with all laws, statutes, rules and regulations which govern the credit union, including but not limited to all components of the Bank Secrecy Act. -Demonstrate enthusiastic support of corporate mission, core values and long-term objectives. -Performs job duties within credit union bylaws, regulations, policies, established internal and external service standards and work procedures -Meet or exceed all performance measurable, as assigned -Through knowledge of the credit union’s policies, products and services -Complete ongoing education and compliance training as assigned -Identify opportunities for new and/or improved products, services, and processes to ensure the highest levels of loan production, quality, and competitiveness -Support offsite/outbound promotions and sales campaigns -Communicate to the member and to internal team members regarding the member’s needs -Collaborate with internal team members to provide the highest levels of member service -Gather and document member financial information and application details meeting compliance and lending requirements -Interpret and evaluate financial information and ask appropriate follow-up and probing questions to determine the appropriate products and services -Recommend loan terms, conditions, and collateral position consistent with the request and associated loan risks, and then set clear expectations with the member, and document pertinent member information -Provide debt counseling and financial education to members and potential members -Expert in MTC Federal lending philosophy, model and makes full and proper application of both Performance Measurements: Consumer lending goals that include loan production and sell of ancillary products and services, as assigned

Requirements

One year to three years of similar or related experience.
A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Strong skills in MS Office products.
Stong written and verbal skills.
Some lifting required, less than 50 lbs.
Some bending and reaching

Responsibilities

Responsible for complying with all laws, statutes, rules and regulations which govern the credit union, including but not limited to all components of the Bank Secrecy Act.
Demonstrate enthusiastic support of corporate mission, core values and long-term objectives.
Performs job duties within credit union bylaws, regulations, policies, established internal and external service standards and work procedures
Meet or exceed all performance measurable, as assigned
Through knowledge of the credit union’s policies, products and services
Complete ongoing education and compliance training as assigned
Identify opportunities for new and/or improved products, services, and processes to ensure the highest levels of loan production, quality, and competitiveness
Support offsite/outbound promotions and sales campaigns
Communicate to the member and to internal team members regarding the member’s needs
Collaborate with internal team members to provide the highest levels of member service
Gather and document member financial information and application details meeting compliance and lending requirements
Interpret and evaluate financial information and ask appropriate follow-up and probing questions to determine the appropriate products and services
Recommend loan terms, conditions, and collateral position consistent with the request and associated loan risks, and then set clear expectations with the member, and document pertinent member information
Provide debt counseling and financial education to members and potential members
Expert in MTC Federal lending philosophy, model and makes full and proper application of both