Loan Advisor

Address: 16430 Park Ten Place, Houston, Texas 77084

Role: Works with all aspects of eBranch and daily operations to ensure superior service is provided to all internal and external members. Accommodate member needs via telephone, fax, email requests including loan and account services. Present a positive, efficient and professional environment with all member contact. Primary contact for Loan by Phone.

Essential Functions & Responsibilities:

• Takes members loan applications via phone or email and prepares them for review by an Underwriter. Follows up with the Underwriter to determine status. Processes approved loans and sets up date and time to close the loan and make disbursements. Refers problems that are beyond their authority to their supervisor, along with their recommendations.

• Answer member lending questions and provide current loan rates and NADA used car quotes to members, as well as any other information requested on credit union products and services.

• Communicate with members by phone, email, or fax to complete their request.

• Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve.

• Maintain usage proficiency on all member-related third party systems and software including the maintenance of member records. These systems include but are not limited to member check ordering, ATM/Debit card ordering and maintenance, account and identity verification, etc.

Performance Measurements:

1. Is knowledgeable on the features and benefits of all Credit Union products and services; determines member needs and recommends products and services based on those needs

2. Listens and engages the members financial needs, identifies opportunities for consultative selling and actively sells  products and services to the members.

3. Refer and cross-sell credit union products and services in order to meet member needs and individual goals.

4. Knowledgeable and proficient in the account opening process for all deposit accounts including but not limited to savings, checking, money market, and club accounts; Also, have proficiency in identification and new account screening methods and be able to fully explain regulatory requirements on all accounts and services.

5. Knowledgeable and proficient in Certificate of Deposit and Individual Retirement Accounts (IRAs) including opening, renewing and closing, and accurately calculating withdrawal penalties and dividend payments as appropriate

6. Accurately and efficiently complete all member or account related forms and forward to appropriate department for action and/or filing.

7. Possess complete and accurate knowledge of all credit union products, services, policies and procedures.

8. Must be available to assist the Call Center or eServices for back-up as requested by management, as well as work on Saturdays when needed.

9. Respond to all correspondence within one day

Knowledge and Skills:

Experience - A minimum of one to two years new accounts or loan processing experience at a credit union or other financial institution.

Education - A high school education or GED. Must be knowledgeable of Bank Secrecy Act and Anti-Money Laundering regulations and requirements.

Interpersonal Skills - Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Physical Requirements - While performing the duties of the job, the employee iss regularly required to: position self to move about the work area, reach, grab, sort, communicate in person and via telephone with others, identify and recognize small font communication, ability to transport a minimum of 10 pounds