Lending Center Specialist

Purpose

Working within the Lending Center, provides internal and external member service to all levels of present and potential members regarding loan products and services along with other ancillary products offered by the Credit Union. Conducts member interviews regarding loan applications and matches product solutions to member needs also making product and service recommendations as appropriate. Actively participates in successfully achieving Credit Union lending and sales goals.

Working within the Lending Center, provides internal and external member service to all levels of present and potential members regarding loan products and services along with other ancillary products offered by the Credit Union. Conducts member interviews regarding loan applications and matches product solutions to member needs also making product and service recommendations as appropriate. Actively participates in successfully achieving Credit Union lending and sales goals.

• Interviews and interacts with members and potential members via phone, e‑mail and other electronic platforms as appropriate regarding Credit Union loan products and services. Uncovers member needs and provides potential lending solutions to assist those specific needs.
• Maintains a sales‑oriented approach to each member/potential member interaction as to provide the best possible lending solutions for the member.
• Explains the terms and conditions of consumer loan products to the applicant(s) and verifies that loan disclosures are correct and all pertinent paperwork is in place and properly executed.
• Accurately originates member and potential member loan applications via phone and internet (web applications). Submits completed applications to loan underwriting for final approval.
• Offers all qualifying members ancillary products available at the Credit Union to include but not limited to vehicle mechanical repair coverage, Guaranteed Asset Protection (GAP), and credit life & disability products. Meets sales metrics for such products.
• Responsible for outbound calls and solicitation of loan products and services to members and potential members as assigned by management.
• Maintains a working knowledge of credit reports (reading and interpreting), credit worthiness, and a generalized understanding of loan underwriting standards to better assist loan applicants with customized loan options.
• Complies with key performance indicators, metrics, and standards such as adherence to schedule, inbound call production, application count (volume), accuracy and completeness of applications, closed loan volume (production) and other metrics as determined by management.
• Refers, assists, and completes follow up with lending partners (i.e. Credit Union Mortgage Association) to ensure loan closings are complete, resolve any issues, and ensure compliance guidelines are met.
• Participate in meeting the goals and objectives set by the Board of Directors and Management as well as meeting departmental goals.
• Develops and maintains detailed knowledge of the products and services offered by the Credit Union.
• Must have a working knowledge of the overall Credit Union operations computer system and usage.
• Must be highly proficient in all aspects of Credit Union/Lending Center operations, policies, and procedures to train and assist all staff assigned to the department.
• Maintain proper security over member information and transactional activity.

• Must be able to cross sell all CU products and services to our members to increase overall product penetration.
• On an as needed basis may participate in offsite business functions as a representative of the Credit Union.
• Balance, verify and review various accounts, reports and systems as assigned by management.
• Routinely conduct outbound calls to members and non-members in an effort to acquire new business.
• Performs other duties as assigned by management.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum level of…