Consumer Lending Representative SR

Center Parc Credit Union; Atlanta (GA); On-site; USD 48,000 - 49,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Vision coverage

Paid Time-Off

401k plan with company match

Long-term disability

Short-term disability

Company paid holidays

Job summary

Center Parc Credit Union is seeking a Senior Consumer Lending Representative to maximize lending opportunities with members completing loan applications for auto, unsecured, secured retail loans, HELOCs, and lines of credit. You will handle inbound/outbound calls, cross-sell loan products, and guide applicants through underwriting decisions.

Role emphasizes strong product knowledge, compliance with lending laws, and proactive service.

Qualifications

• College degree or 3 years consumer lending experience.
• 2 years consumer lending experience including cross selling of financial products.
• MLO license or ability to acquire within 6 months.
• Proficient with Microsoft Office applications (Word, Excel, PowerPoint, Teams).
• Experience with digital credit application software.

Responsibilities

• Deliver outstanding service aligned with Service Promises to members.
• Consult with applicants on retail lending and lines of credit needs.
• Follow up on loan applications from various channels (phone, internet, in-branch).
• Build trust with members and refer to credit union products and services.
• Communicate underwriting decisions and loan terms clearly to applicants.
• Set up loan closings and ensure required disclosures are met.
• Maintain knowledge of products and regulatory compliance.
• Collaborate with team to meet department objectives.
• Maintain licensing and comply with applicable laws and policies.

Education

College degree or 3 years consumer lending experience

2 years consumer lending experience including cross selling

MLO license or ability to acquire within 6 months

Proficient with Microsoft Office applications

Experience with digital credit application software

Tools

Microsoft Office

Digital credit application software

Symitar

Meridian Link

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

25 days ago Requisition ID: 1877

Salary Range: $48,000.00 To $48,001.00 Annually

FANTASTIC opportunity to join our back-office lending service center! In this role YOU will work over the phone to maximize lending and sales opportunities with members (customers) who complete a loan application for a secured or unsecured retail loan, auto loan, line of credit, credit card, or Home Equity Line of Credit (HELOC) with the credit union. Seeking previous experience within a credit union or bank performing In-bound and Out-bound calls to originate Consumer Loans, open Consumer Loan applications, and cross sell loan products and services.

Pay information: $48,000 base + performance-based incentives

We believe great work is to be rewarded with great benefits. Our benefits include, but aren’t limited to, Medical coverage with generous company contributions, Dental with employee only coverage paid by the company, Vision with employee only coverage paid by the company, Paid Time-Off, 401k plan with a defined company match, company paid long-term disability, short term disability, and company paid holidays.

Purpose: The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”

The Senior Consumer Lending Representative is responsible for ensuring that the credit union maximizes lending and sales opportunities with members who complete an application for credit for a secured or unsecured retail loan, line of credit, or Home Equity Line of Credit (HELOC) with the credit union.

Essential Duties and Responsibilities

• Deliver outstanding service to both internal and external members that is in alignment with our Service Promises:
  • Serve Exceptionally
  • Commit to Better
  • Find the Fun
  • Invest in Integrity
  • Follow the Numbers
  • Go Forth and Conquer
  • Protect with Passion
• Consults with member applicants on a variety of retail lending and line of credit needs of moderate to high complexity.
• Actively follows up on loan applications originating through various channels of submission (phone, internet, in-branch interactions).
• Effectively builds trust and rapport with member applicants, as well as internal stakeholders who may refer member applicants, through consistent conveyance of the credit union’s core values and strong propensity to assist members in achieving their financial goals.
• Fosters a spirit of cooperation and collaboration with department members to ensure success of the entire lending team and is consistently aware of individual and departmental objectives.
• Reviews applications for completeness and follows established internal controls for processing and underwriting.
• Maintains up to date knowledge of the products and services offered by the credit union.
• Uses strong interpersonal skills, product knowledge and engaging communication skills to understand member financial needs and financial goals; actively presents ancillary products and services that meet members’ needs and enhances their ability to meet their financial goals.
• Is fully familiar with and able to clearly communicate with internal and external members about: Underwriting philosophies, lending decisions (approved, denied, or conditioned), approval stipulations, loan products and services, credit bureau reports and scores, credit histories, applicable Federal regulations, Warranty coverage, Guaranteed Asset Protection (GAP), Debt Protection, loan and deposit rates, lending policies and procedures and our automated underwriting process.
• Educates member on the terms and conditions of their loan decision and ensures a clear understanding of the ancillary products the member may have selected.
• Sets up loan closing and follows established processes, procedures, protocols, and disclosure requirements to facilitate closing of the member’s loan or line of credit.
• Maintains positive and productive working relationships with all internal and external stakeholders.
• Demonstrates effective written and oral communication skills in all work activities.
• Demonstrates effective time management and prioritizes daily work to meet deadlines and goals; monitors work in process and adjusts as needed.
• Attend ongoing training as needed, including on and off-site workshops and webinars to maintain a high level of knowledge related to needs-based selling, lending, and compliance with various credit laws, regulations, and acts.
• Maintains current and appropriate licensing for the position.
• Adheres to the provisions of the Fair Credit Reporting Act (FCRA), Military Lending Act (MLA), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Housing Act (FHA), and any other state and federal regulations associated with the granting of credit to consumers.
• Complies with all aspects of BSA/AML and OFAC regulations as they relate to this position.
• The ability to travel overnight or to other business locations less than 10%.
• Other duties as assigned

Supervisory Responsibilities:

No direct reports. Provides guidance and assistance to more junior lenders on loan request that are complex in nature, requests for unsecured loans more than $5,000, or on requests for lines of credit.

Qualification Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

REQUIRED Education and/or Experience:

• College Degree or an additional 3 years of consumer lending work experience in lieu of degree
• 2 years specific consumer lending experience including cross selling of additional financial products and services
• An MLO#/License or the ability to acquire such within 6 months of becoming a SR Consumer Loan Representative
• A high level of knowledge of Microsoft Office applications (Word, Excel, PowerPoint, Teams)
• Prior experience and working knowledge of digital credit application software

PREFFERED Education and/or Experience:

• 2 years specific consumer lending experience in a Credit Union
• Prior experience and working knowledge of Symitar, Meridian Link
• 2 years specific underwriting and processing experience in a bank or credit union

Physical Job Requirements:

Must be physically able to operate a variety of automated office machines such as calculator, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed. Must be able to lift and/or carry weights of 5 to 20 pounds.

Center Parc Credit Union is an equal opportunity employer committed to providing equal opportunities to applicants and our policy is not to discriminate against any applicant or employee based on race, color, sex, religion, national origin, disability status or veteran status or any other basis protected by applicable federal, state, or local laws. Center Parc Credit Union prohibits harassment based on the same protected classes and criteria.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

The requirements for the position listed are general and are not all inclusive. If you have any questions concerning this position, please contact Human Resources.

Please note that an employment offer, and your continued employment are contingent upon acceptable results of a background and credit check, and satisfactory proof of your right to work in the U.S.