Job Summary

The Loan Specialist serves and supports existing and potential members with loan origination requests received through variousoutbound, inbound, and online channels. Continually provide a prompt and professional member experience with an interactive, consultative, loan origination process that deepens member relationships and assist members in meeting their financial goals with the appropriate loan products and/or services.

Schedule: Monday-Friday from 8am-5pm PT and rotating Saturdays from 7am-12pm PT

Duties and Responsibilities

• Provide support and service to existing and potential members who contact the credit union for lending through online applications and inbound calls, offering additional products and services.
• Demonstrate empathy for members and create a world class member experience.
• Ensures applications get processed, followed up on, and completed in a timely manner.
• Fully understands the credit union’s lending products and services to assist members with their financial needs.
• Determine members’ immediate needs and opportunities by engaging the member and strengthening member relationships, uncovering the unperceived needs of the member.
• Offer loan prospects based upon information from the credit bureau, conversation, or account information that deems worthy and beneficial to the member and the organization.
• Utilize lending guidelines to ensure offers or requests fall within a reasonable expectation of the policy.
• Hit metrics and goals through a combination of optimizing time, loan leads, and existing pipeline.
• Educate, explain, and offer ancillary products with each loan conversation being had with a member.
• Perform each financial transaction in an efficient and precise manner showing accuracy, detail, and completion.
• Ensure the member has a complete understanding of the terms, expectations, and details of any loan interaction to avoid confusion or misunderstandings.
• Review accounts for “red” flags such as: delinquencies, account holds, negative balances, memo warnings, etc. before approving, opening, disbursing any savings/loan proceeds.
• Follow all KYC/BSA policies and procedures.
• Support a team atmosphere in each interaction with peers, leadership, or external departments.

Education and Experience Requirements:

• Bachelor’s degree or equivalent work experience.
• Three (3) or more years’ experience in a financial institution or retail sales position.
• Proven sales results in a fast-paced environment with a multitude of responsibility.

Required Knowledge, Skills and Abilities:

• Knowledge of credit union products, services, policies, and procedures
• Convey the internal drive to be successful by approaching all goals with a “can do” demeanor.
• Ability to always exhibit a highly professional presence.
• Possess conflict resolution skills and appropriately escalate to leadership as needed.
• Able to work efficiently and effectively as an individual within a team environment.
• Strong communication skills both in writing and verbally.
• Ability to multitask within a fast paced, sales production, and demanding environment.
• Ability to maintain a high level of confidentiality.
• Willingness to flex and shift to the departmental needs based on unexpected events.
• Must be able to gain NMLS certification.

Preferred Knowledge, Skills and Abilities:

• Knowledge of engaging sales techniques.
• Ability to self-motivate and possess the drive to manage day to day activities with limited direction from leadership.
• Knowledge of spreadsheet software and ability to use word processing software.
• Understanding good, sound lending decisions with credit bureau experience.
• Understanding of consumer’s daily banking requirements and needs.