Consumer Loan Originator

Schedule

Overview

Working in a sales-focused environment, responsible for establishing and building member relationships by selling core deposit account, loan products and other credit union services. Interviews and advises members regarding loans, deposits and other products/services, including investment referrals. Responsible for reviewing and processing consumer and home loan applications and opening and closing accounts. Explains credit policies and obtains additional loan information and documentation. Effectively communicates information regarding credit issues and requirements that may be needed in order to process initial member loan requests. Communicates with the underwriting department and informs members of loan decisions. Researches, evaluates, and determines whether loans meet Credit Union lending criteria and are within approval limits. Provides members and prospective members with prompt and professional service. Initiates contact with members by phone, letters and/or email to determine additional financial opportunities with the credit union. Ability to attain and exceed expected baselines in sales, volume, and service is expected. Assists and directs area loan personnel as necessary. Acts as loan processor / senior member service rep. as needed.

Responsibilities

Assumes responsibility for effectively coordinating, overseeing, and completing assigned loan functions:

Assumes responsibility for establishing and maintaining effective and professional business relationships with members:

Assumes responsibility for establishing and maintaining effective coordination and communication with area personnel and with management:

Assumes responsibility for related duties as required or assigned:

Qualifications

Training/Education/Certification:

• High School Graduate or equivalent. Additional business coursework preferred.
• Successful completion Member Service Rep Certification and Senior Member Service Rep Certifications which include: (Lending  Classes: Lending Sales, Lending 1, Lending 2, Business Services, SBA Lending, Lending 3, SAFE Act registration, Mortgage Lending and lending tests 1,2,3 passed with 85% or better)
• Sales Certified based on loan volume, MCLO Certified based on volume.

Required Knowledge:

• Thorough knowledge of Credit Union products, services, policies and procedures.
• Sound knowledge of credit union lending procedures, processing and Loan Pro.
• Strong understanding of related legal and regulatory standards
• Solid understanding of Credit Union operations.

 Experience Required:

• Minimum of 2 years of progressive credit union experience, preferably in areas where product promotion, sales (in person and over the phone) and superior member service skills were demonstrated.
• Senior Member Service Representative Certification (preferred). Experience with new accounts and loan applications required.
• Excellent communication skills and public relation skills.

Skills/Abilities:

• Ability to recognize and offer sales opportunities that will benefit the member.
• Excellent Communication skills. Professional phone etiquette.
• Professionalism in  appearance and attitude
• Cooperative and works well with others
• Able to analyze loan documents and other account information
• Ability to operate related computer applications and software required to complete assigned responsibilities.
• Proficient math and reading skills.