Loan Specialist

Job Title

The Loan Specialist serves and supports existing and potential members with loan origination requests received throughout outbound, 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 and rotating Saturdays from 9am-2pm

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

Required Knowledge, Skills And Abilities

Preferred Knowledge, Skills And Abilities