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Loan Specialist

Loan Specialist

Community America Credit UnionLenexa, KS, US
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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

  • 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.
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    Loan Specialist • Lenexa, KS, US