MSR/Lender I

EMBLEM CREDIT UNION • Gadsden, AL

1d • Onsite

About The Position

The MSR/Lender I assists members and potential members with account and loan requests and inquiries in a friendly, respectful, courteous, and professional manner. The role contributes to member satisfaction and retention and performs routine monetary transactions. The position reviews loan applications and members’ current financial positions, evaluates lending needs and risk, recommends options, and handles decisions or finalization of requests under consumer lending policies and underwriting guidelines. It also identifies opportunities to present other credit union products and services through cross-selling and counseling.

Requirements

• One to three years of similar or related experience.
• High school education or GED.
• Working knowledge of established teller procedures and policies.
• Understanding of credit union operations.
• Ability to communicate information and ideas verbally so others understand.
• Ability to handle frequent personal contact for first-level conflict resolution, relationship building, and soliciting cooperation.
• Ability to handle confidential discussions with discretion, diplomacy, and tact.
• Familiarity with general office equipment, including calculators, computers, photocopiers, and scanners.

Responsibilities

• Assist members with opening and closing accounts and processing transactions.
• Address and resolve member problems, inquiries, and complaints; refer issues to a supervisor as needed and recommend resolutions.
• Review loan applications and analyze members’ current financial positions to evaluate needs, recommend loan options, and assess credit risk.
• Deny requests or finalize approved requests in accordance with consumer lending policies and underwriting guidelines.
• Identify opportunities to present credit union products and services through active cross-selling and counseling, including ancillary loan products such as GAP, vehicle service contracts, life insurance, and disability insurance.
• Protect and verify members’ identities.
• Review account information for alerts and irregularities and make necessary changes to member account information.
• Use knowledge, active listening, adaptability across multiple systems, and engagement methods to support an optimal member experience.
• Perform other job-related duties as assigned.

What This Job Offers

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