Consumer Lending Officer

Jimmy Jazz; Florida; Hybrid; USD 45,000 - 65,000; Full time

Benefits offered by this job

Medical, Rx, Dental & Vision Insurance

401K Profit Sharing

Paid Holidays

Job summary

Tropical Financial Credit Union seeks a Consumer Lending Officer to originate, process, and service consumer loans from inquiry through funding. You will analyze credit, prepare documentation, and manage closings while promoting lending products to members.

The role emphasizes compliance with lending regulations, quality assurance, and member-focused service, with opportunities for growth within a collaborative team environment.

Qualifications

• High school diploma required; college coursework preferred.
• Minimum one year in customer service in professional services.
• Two years consumer lending processing experience or equivalent.
• One year credit union/financial services experience.

Responsibilities

• Handle inbound/outbound consumer loan origination calls.
• Assist members with financial needs and product recommendations.
• Utilize consultative sales techniques to cross-sell products.
• Prepare/process loan documentation for approved applications.

Skills

Customer service

Sales techniques

Communication

Multi-tasking

Education

High school diploma

College coursework preferred

Tools

Microsoft Excel

Microsoft Word

Microsoft Outlook

Job description

• Location 3050 Corporate Way,Miramar, FL, 33025,United States
• Employee Type FT Non Exempt
• Required Degree High school
• Manage Others No

GENERAL RESPONSIBILITIES

The Consumer Lending Officer is responsible for originating, processing, and servicing consumer loans from initial inquiry through funding and post-closing, ensuring accurate, efficient, and member-focused lending experience. This role conducts consultative loan interviews, analyzes credit and financial information, prepares and reviews loan documentation, clears loan conditions, and coordinates closings to ensure loans are completed in a timely and compliant manner. The Consumer Lending Officer is expected to achieve established loan volume, product penetration, and quality standards while maintaining strict adherence to lending regulations, internal policies, and the Quality Assurance matrix. Additionally, this role proactively identifies member lending needs, promotes appropriate consumer loan products and protection options, and maintains a strong pipeline of loan opportunities to support overall lending objectives. The Consumer Lending Officer is also responsible for assisting members and potential members with their financial needs by opening new accounts, processing account transactions, and providing tailored information regarding products and services.

JOB SPECIFIC INFORMATION

Essential Duties and Responsibilities include the following.

Handle inbound and outbound consumer loan origination calls, ensuring a smooth and efficient loan application process.

Assist members and potential members with their financial needs, providing personalized recommendations for products and services, including loans and credit options.

Utilize consultative sales techniques during loan interviews to identify and cross-selling products and services that meet members' financial needs.

Provide support via phone, fax, and email, ensuring superior service and timely responses to inquiries.

Analyze credit reports, debt-to-income ratios, loan-to-value ratios, and other financial metrics to make informed lending decisions.

Prepare and process all required loan documentation for approved consumer, credit card, and recreational loan applications, ensuring accuracy and compliance with credit union policies and procedures.

Coordinate with members to obtain necessary documentation, prepare closing documents, and ensure all closed loans are accurately completed and signed.

Clear loan conditions, post loans, and process credit card advances as required.

Maintain a pipeline of active loan approvals and meet turnaround time standards for funding.

Perform post-closing audits and maintain the application system with loan status updates.

Conduct daily follow-up calls, telemarketing, and communicate loan decisions to members.

Meet or exceed monthly sales goals for products such as credit life, disability, GAP, mechanical breakdown, mortgage, and home equity referrals.

Achieve established loan volume and product participation goals by proactively generating loan opportunities, promoting relevant lending products, and tracking performance against targets to support overall department objectives.

Ensure compliance with all credit union policies and procedures, particularly those related to anti-money laundering and the Bank Secrecy Act.

Maintain comprehensive knowledge of regulations including the Bank Secrecy Act, Customer Identification Program, USA Patriot Act, OFAC, Fair Lending, and the Credit Card Act.

Ensure compliance with the Quality Assurance matrix, standards, and guidelines by maintaining required accuracy levels across all member interactions and promptly addressing findings or corrective actions to support consistent, compliant, and high-quality service while meeting or exceeding QA benchmarks.

Complete required training courses, including BSA and OFAC, at least annually to ensure ongoing compliance with regulatory requirements.

Build and maintain positive relationships with vendors, internal partners, and team members in a collaborative environment.

Serve as a mentor to newly hired employees, assisting with training needs and providing guidance as needed.

The employee may be required to perform other related duties as assigned by management to meet the ongoing needs of Tropical Financial Credit Union.

Performs related duties as required with or without accommodation.

We offer Excellent Benefits such as:

• Medical, Rx, Dental, and Vision Insurance
• Retirement Profit Sharing 401K Plan
• Accident, Cancer and Hospital Indemnity Plan
• Voluntary Life Insurance
• Pet Discount Program
• Paid Time Off/ 11 Paid Holidays
• Tuition Reimbursement/Student Loan Paydown Program
• And so much more!

REQUIRED EDUCATION, TRAINING AND EXPERIENCE

• High school diploma required. College degree or college courses in a related field are highly preferred.
• Minimum one year customer service experience in professional services environment required.
• Minimum of two years consumer lending processing experience or equivalent required.
• Minimum of one year Credit Union/financial services experience required.
• Knowledge of credit reports, credit scoring, title documents, vehicle valuations, appraisals and auto insurance, payment protection, GAP, and MBP products.
• Ability to read and interpret documents such as procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively with members or employees of the organization.
• Comprehensive understanding of loan contracts including APR, amortization schedules, simple interest calculations and ability to analyze financial data.
• Ability to calculate figures and amounts such as discounts, interest, commission, proportions, percentages, and volume. Ability to apply concepts of basic arithmetic.
• Understanding of underwriting guidelines.
• Ability to work well in a collaborative team environment
• Must be a self-starter with high standards of excellence in their professional roles.
• Must display a strong sense of integrity in all their interactions.
• Excellent interpersonal, oral and written communication skills required.
• Detail oriented, critical thinker, strong analytical skills with a strong sense of urgency to meet the Credit Union Lending needs.
• Actively participates in and completes all ongoing required loan training. Willingly adapts to changes in work environment. Seeks and participates in TFCU supported self-directed development programs.
• Ability to communicate verbally and in writing to all levels of members, non-members and employees including Management.
• Proficient in Microsoft Windows Outlook, Word and Excel. You must type a minimum of 50 words per minute.
• Ability to work proactively and independently with minimal supervision
• Ability to work flexible hours, evenings and weekends and overtime as needed
• Flexible in schedule and ability to handle multiple tasks.
• Demonstrated integrity, professionalism, and a strong sense of urgency in meeting lending needs.
• Detail-oriented, critical thinker with a commitment to delivering exceptional service.
• Ability to adapt to changes in the work environment and participate in self-directed development programs supported by the credit union.

This combined role ensures that the Consumer Lending Officer can handle the full spectrum of consumer lending tasks, from initial consultation and loan origination to processing, funding, and compliance, all while maintaining a strong focus on member satisfaction and regulatory adherence.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, sit and use hands to handle or touch. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, and ability to focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.