Consumer Loan Originator

Jobtailor; Phoenix (AZ); Hybrid; USD 42,000 - 64,000; Full time

Job summary

Jobtailor in Phoenix is seeking a Consumer Loan Origination Specialist to originate consumer loan applications by phone and guide members through the process. You will analyze credit reports to determine creditworthiness, manage referrals, and coordinate with underwriting and servicing teams while maintaining compliance with MLO/NMLS requirements.

This role emphasizes customer service and relationship management, with opportunities to promote home loan referrals and work from a dedicated home

Qualifications

• High School diploma or GED required.
• 1 year experience in a financial institution with consumer lending.
• Ability to type 45 words per minute and perform 10-key data entry.

Responsibilities

• Originate consumer loan applications by phone and assist members.
• Analyze credit reports to determine debt-to-income ratios and creditworthiness.
• Provide handoffs to loan officers for processing of approved applications.
• Act as liaison between underwriting, servicing, and branches.
• Follow up with members and refer opportunities for additional products.

Skills

Consumer Lending Experience

MLO Registration

Credit Report Analysis

Effective Communication

Queue Management

Typing 45 WPM

Education

High School diploma or GED

1 year experience in financial institution

Tools

Windows Software Applications

Calculators

10-Key Data Entry

Job description

• Originate consumer loan applications by phone
• Manage loan-by-phone questions with a focus on member service
• Maintain in-depth knowledge of consumer loan options, including personal, share-secured, auto, boat, recreational vehicle, business visa, and equity loans
• Obtain and analyze credit reports to determine debt-to-income ratios and creditworthiness
• Originate equity loans and identify and refer first-mortgage opportunities
• Process and fund applicable loan applications, including personal and share-secured loans
• Provide exceptional handoffs to consumer loan officers for further processing of approved applications
• Act as a relationship manager between Consumer Underwriting, Consumer Lending Servicing, Retail Branches, and Equity Servicing
• Perform queue management tasks throughout the day
• Complete service calls and outbound efforts
• Conduct follow-up communications with new and existing members by phone or electronically
• Identify opportunities to strengthen member relationships
• Make business partner referrals and conduct outbound sales on targeted member opportunities
• Promote behaviors consistent with brand guidelines to become members' lender of choice
• Perform other job-related duties as assigned

Requirements

• High School diploma or general education degree (GED)
• One (1) year experience in a financial institution with consumer lending experience
• Knowledge of computers and standard Windows software applications
• Ability to type 45 words per minute
• Ability to perform 10-key accurately
• Ability to read, write, speak, and use proper grammar in English
• Must register as an MLO
• MLO registration with the Nationwide Mortgage Licensing System (NMLS), including electronic application, fingerprint submission for FBI criminal background check, and clearance from Arizona Federal
• Annual renewal of MLO registration and updates to registration information as needed
• Ability to communicate in person, by telephone, and through written business correspondence
• Ability to interpret and analyze written reports, instructions, correspondence, and procedure manuals
• Ability to speak effectively to members regarding sensitive inquiries or complaints
• Ability to perform basic arithmetic and calculate rates, ratios, and percentages
• Ability to make decisions based on training, common sense, and guidelines
• Occasionally stand, walk, stoop, kneel, or crouch; frequently sit; regularly use computer keyboards and calculators
• Occasionally lift and/or move up to 25 pounds
• Close vision and ability to adjust focus
• Employees working from home must have business operational internet and a dedicated workspace

Core Competencies

Demonstrates expertise in consumer lending processes, including loan origination and member relationship management. Proficient in analyzing credit reports and maintaining compliance with MLO registration requirements.

Highest-signal resume keywords

• Consumer Lending Experience
• MLO Registration
• Credit Report Analysis
• Member Relationship Management
• Queue Management

ATS Optimization Keywords

Hard Skills

• Loan Origination
• Credit Analysis
• Basic Arithmetic
• Typing 45 Words Per Minute
• 10-Key Data Entry

Soft Skills

• Effective Communication
• Customer Service
• Problem Solving
• Decision Making

Certifications & Qualifications

• MLO Registration
• NMLS Registration

Industry Keywords

• Consumer Loans
• Debt-to-Income Ratios
• Equity Loans
• Personal Loans
• Business Partner Referrals

Tools & Technologies

• Windows Software Applications
• Computer Keyboards
• Calculators