Consumer Lending Consultant (Hybrid)

Georgia United Credit Union; Duluth (GA); On-site; USD 27,552 - 30,307; Full time

Benefits offered by this job

Benefits package

Job summary

Georgia United Credit Union is seeking a Consumer Lending Associate to identify member loan needs and present suitable loan solutions. You will prepare and process loan applications, including online submissions, and cross-sell additional products to enhance member relationships.

The role involves inbound/outbound member contacts, occasional Saturday work, and delivering excellent customer service while meeting lending production goals.

Qualifications

• High school diploma or better required.
• 1-2 years of financial sales and marketing experience.
• Knowledge of lending requirements and standards.

Responsibilities

• Identify member loan needs and present suitable loan solutions.
• Prepare loan applications and process online applications.
• Cross-sell loans and related products; assist with deposits and services.
• Provide consultative guidance on money management and financial matters.

Skills

Communication

Customer Service

Interpersonal Skills

Education

High School or better

Tools

MS Office Suite

Lending software

Underwriting software

Job description

Responsible for identifying the credit needs of members and offering appropriate loan solutions that meet their financial and personal objectives. Prepares loan applications, works incoming online applications, and cross sells additional loans and sends off complete loan applications for credit approval and processing. Primary point of contact for inbound consumer lending department calls and emails from members. May be required to work an occasional Saturday as well as make outbound calls to members to connect members with additional ways we can help.

Starting Hourly Rate: $20.25

ESSENTIAL FUNCTIONS

• Serves external members and the consumer lending team to ensure loan requests are handled accurately and timely while always providing the best possible experience. Focuses on helping members with a seamless lending experience throughout.
• Assist Members and potential Members with their lending needs through multiple channels such as telephone, internet, video, and email.
• Educate members and make recommendations for products and services, respond to questions, and take loan applications.
• Contributes towards the achievement of the credit union’s expected financial outcomes.
• Demonstrates leadership through achievement of individual consumer loan production goals through inbound/ outbound channels to members, and other proactive activities.
• Achieves ancillary products goals for payment protection, gap, and warranty services on loans. Cross-sells additional loans including additional consumer loans, mortgages, commercial loans, as well as deposit accounts and services.
• Builds strong relationships with members. Asks open ended questions. Connects members with products and services that will best suit their needs and help maximize their membership with GUCU.
• Demonstrates a good understanding of consumer loan products and ancillary products.
• Provides consultative services to members regarding credit union products and services by assessing the member’s needs, addressing their concerns and gaining agreement. Asks for additional ways to serve members or referrals.
• Makes recommendations to system upgrades, policies, standards, or procedures to improve the processes and improve the member/employee experience.
• Must comply with applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets control.
• Provides friendly, professional and accurate financial services and support to members, the consumer lending team, as well as all GUCU team members. Builds strong relationships across the organization.
• Counsels members regarding money management and financial matters.
• Projects and maintains the Credit Union’s professional image and reputation.
• Completes special projects as assigned.
• Attends and participates in meetings as required.
• Keeps management informed of area activities and of any significant problems.
• Stays current on and in compliance with all state and federal lending regulations and credit union policies.
• Promotes and establishes strong, positive and productive working relationships within the organization through commitment to the company’s vision statement, core values and business principles.

BENEFITS

• Georgia United offers a comprehensive compensation and benefits package and are committed to the advancement of all qualified applicants and team members within the organization.

DIVERSITY, EQUITY, INCLUSION and BELONGING

We are committed to a nondiscriminatory approach and provide equal opportunity for employment and advancement in our organization. We recruit diverse candidates from a wide variety of backgrounds, not just because it’s the right thing to do, but because it makes our credit union stronger. We welcome the unique contributions that every individual can bring to our organization.

EQUAL OPPORTUNITY EMPLOYER

Georgia United Credit Union is an equal opportunity employer. All applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law.

E-VERIFY

Georgia United participates in the US Department of Homeland Security E-Verify program. E-Verify program is an internet-based employment eligibility verification system operated by the US Citizenship and Immigration Services.

Qualifications

Skills

Required

• Communication Advanced
• Customer Service Advanced
• Advanced
• Interpersonal Skills Advanced

Education

Required

• High School or better.

Experience

Required

• Computer proficiency with MS Office, including Word, Excel and PowerPoint, Internet, and Email.
• Knowledge of lending requirements and standards.
• Experience with lending application software.
• Experience underwriting consumer loan products preferred.
• 1-2 years of financial sales and marketing experience.
• High school degree or equivalent.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.