Virtual Lending Specialist

Alabama One Credit Union • Tuscaloosa, AL

3h • Onsite

About The Position

The Consumer Lending Specialist I assists Members with lending needs, analyzes loan requests, and recommends loan approval or denial based on established Consumer Lending Guidelines. The role also opens accounts, resolves issues, and provides Members with information and guidance about Alabama ONE products and services. This is not a remote position.

Requirements

• Two to four years of similar experience.
• High school diploma or GED.
• High degree of courtesy, tact, and diplomacy.
• Proficiency in Word, Microsoft Office, and Outlook.
• Ability to quickly learn, understand, and consistently apply Credit Union lending guidelines.
• Ability to comply with lending guidelines.
• Ability to meet and exceed established goals.

Nice To Haves

• Ability to work closely with Members and non-Members to gather information, build relationships, and solicit cooperation.
• Ability to provide prompt, informative, and accurate service and support to Members.

Responsibilities

• Receive electronic consumer lending requests and analyze Members’ financial positions to assess credit risk.
• Recommend approval or denial of loan requests based on underwriting standards, or forward requests to Senior Underwriters.
• Maintain knowledge of Credit Union lending guidelines, credit-granting criteria, interest rates and how they are computed, and required documentation.
• Prepare and/or review loan documents for completeness and accuracy; establish terms and conditions for approved loans and review them with Members.
• Help ensure loans are prepared, documented, approved, and disbursed appropriately and promptly.
• Notify borrowers when loans are not approved.
• Open Member accounts.
• Perform other duties as assigned.

What This Job Offers

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