Consumer Lending Specialist, Credit Union

University of Southern California; Los Angeles (CA); On-site; USD 36,000 - 39,000; Full time

Benefits offered by this job

Medical benefits

Dental coverage

Vision coverage

FSAs

Retirement plan

Tuition reimbursement

Paid time off

Life insurance

WorkWell Center

Employee discounts

Fight on

Job summary

USC Credit Union is seeking an experienced Consumer Lending Specialist to originate loans for members while building profitable financial relationships and delivering outstanding service. You will analyze member data to offer customized lending solutions, maintain compliance, and meet performance standards.

Ideal candidates have 1+ year in customer service or financial services, with 3+ years preferred, and are proficient in Excel, Google Suite, and Slack.

Qualifications

• High school diploma or equivalent; bachelor’s degree preferred.
• 1+ year of customer service, sales, retail banking, or financial services experience; 3+ years preferred.
• Consumer lending knowledge and strong communication, relationship-building, multitasking, and teamwork skills.
• Proficient with Microsoft Excel, Google Suite, Slack, and similar tools.
• Understand key banking regulations including BSA, Regulation E, and GLBA.

Responsibilities

• Assists members with submission of credit card and unsecured loan applications.
• Interviews loan applicants.
• Describes application review process and provides recommendations.
• Discusses financing terms, rates, and payment amounts.
• Provides information on insurance programs and loan coverage options.
• Assists customers in submitting applications for memberships and deposit products.
• Reviews membership applications and consumer information from reporting agencies.
• Funds consumer loans per guidelines.
• Explores other lending alternatives with members as appropriate.
• Counsels on adverse action reasons and opportunities to improve eligibility.
• Deepens member relationships and supports sales goals with appropriate products.

Skills

Consumer lending

Customer service

Sales

Excel

Google Suite

Slack

Communication

Relationship building

Multitasking

Teamwork

Education

High school diploma

Bachelor's degree preferred

Tools

Word

Excel

Outlook

Google Suite

Job description

USC Credit Union is seeking an experienced Consumer Lending Specialist to originate loans for credit union members while building strong, profitable financial relationships and delivering exceptional member service. This individual builds and fosters profitable financial relationships with members and potential members while providing outstanding service and recommending appropriate credit union products. They gather and analyze member data to offer customized solutions, maintaining a primary focus on improving the overall financial well-being of member-owners while consistently meeting or exceeding minimum performance and service standards.

Responsibilities

• Assists members with submission of credit card and unsecured loan applications.
• Interviews loan applicants.
• Describes application review process and provides recommendations.
• Discusses key aspects of financing (e.g., rates, terms, payment amounts).
• Provides information on insurance programs (e.g., GAP, MBI, Credit Life and Disability), loan coverage options, and other ancillary products.
• Assists customers in submitting applications for memberships and additional deposit products.
• Reviews membership applications and consumer information from various reporting agencies.
• Completes account opening.
• Uses credit scoring, sound lending practices and judgment to make lending recommendations.
• Funds consumer loans in accordance with credit union guidelines.
• Explores other lending alternatives with members, as appropriate.
• Discusses adverse action reasons with members in case of loan or account denial and counsels them on opportunities to improve future eligibility.
• Deepens member relationships and supports achievement of department's sales goals by recommending appropriate products and services.
• Completes all required training to maintain compliance with all job-related laws, regulatory requirements, and procedures.
• Ensures compliance with all applicable laws, regulatory requirements, and procedures.
• Participates in testing and review of new credit union processes and procedures.
• Participates in assigned professional development programs in support of the credit union's commitment to increases sales, service, quality, and teamwork.

Ideal Candidate

• Have a high school diploma or equivalent; bachelor’s degree preferred.
• Have 1+ year of customer service, sales, retail banking, or financial services experience; 3+ years preferred.
• Have consumer lending knowledge and strong communication, relationship-building, multitasking, and teamwork skills.
• Be proficient with Microsoft Excel, Google Suite, Slack, and similar tools.
• Understand key banking regulations, including BSA, Regulation E, and GLBA.

Compensation: The hourly rate range for this position is $26.00 - $28.00.

When extending an offer of employment, the University of Southern California considers factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, key skills, internal peer equity, federal, state, and local laws, contractual stipulations, grant funding, as well as external market and organizational considerations.

Benefits

• Medical through USC Network: https://employees.usc.edu/medical/
• Dental: https://employees.usc.edu/dental/
• Vision: https://employees.usc.edu/vision/
• Dependent Care and Health Care Flexible Spending Accounts (FSAs): https://employees.usc.edu/fsas/
• Retirement with up to 10% employer contributions: https://employees.usc.edu/usc-retirement-savings-program/
• Tuition reimbursement: https://employees.usc.edu/tuition-benefits/
• Paid Time Off (PTO) including, up to 24 vacation days (based on tenure), 12 sick days, 9 paid holidays, 1 paid personal day, 4 paid winter recess days, paid bereavement, and paid jury duty: https://employees.usc.edu/time-off/
• Life and voluntary insurance benefits: https://employees.usc.edu/insurancebenefits/
• WorkWell Center that provides programs, resources, and services to benefits-eligible staff and their dependents, that help them thrive in all areas of work-life wellness: https://workwell.usc.edu/
• Other generous perks and discounts: https://employees.usc.edu/perks/
• Fight on!!!

Minimum Education: High school or equivalent Minimum Experience: 2 years Minimum Field of Expertise: Previous experience in sales, retail or financial institutions (operating in a sales-driven environment) with proven track record of meeting production/sales goals. Must possess a minimum of one year consumer underwriting experience. Must be familiar with Word, Excel and Outlook. Demonstrated excellent interpersonal skills. Has effective organizational skills. Utilizes effective sales techniques with limited supervision. Able to consistently meet or exceed established performance goals in a financial services environment.

USC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability, or any other characteristic protected by law or USC policy. USC observes affirmative action obligations consistent with state and federal law. USC will consider for employment all qualified applicants with criminal records in a manner consistent with applicable laws and regulations, including the Los Angeles County Fair Chance Ordinance for employers and the Fair Chance Initiative for Hiring Ordinance, and with due consideration for patient and student safety. Please refer to the Background Screening Policy Appendix D for specific employment screen implications for the position for which you are applying. We provide reasonable accommodations to applicants and employees with disabilities. Applicants with questions about access or requiring a reasonable accommodation for any part of the application or hiring process should contact USC Human Resources by phone at [phone], or by email at [e-mail]. Inquiries will be treated as confidential to the extent permitted by law. Notice of Non-discrimination Employment Equity Read USC's Clery Act Annual Security Report USC is a smoke-free environment Digital Accessibility

USC is a leading private research university located in the heart of downtown Los Angeles - a global center for arts, technology and international business. As the largest private employer in the city - responsible for more than $5 billion annually in economic activity in the region - we offer the opportunity to work in a dynamic and diverse environment, in careers that span a broad spectrum of talents and skills.

As a USC employee, you will enjoy excellent benefits and perks, and you will be a member of the Trojan Family - the faculty, staff, students and alumni who make USC a great place to work.