Consumer Loan Originator

Pfcu4me; Portland (MI); Sur place; USD 40 000 - 60 000; Temps partiel

Résumé du poste

Pfcu4me is looking for a Consumer Loan Originator to enhance financial well-being through exceptional service. This role involves outbound communication with members, assisting in loan applications, and promoting products.

Ideal candidates will have a strong sales background, preferably in consumer lending, and the ability to analyze member needs. The position is hourly, and includes a range of responsibilities aimed at promoting financial solutions.

Qualifications

• Minimum two years of experience in consumer lending or equivalent sales experience.
• Ability to read and interpret professional journals or regulations.
• Strong mathematical skills for handling loans.

Responsabilités

• Make outbound calls to members regarding loan opportunities.
• Process applications for new accounts and loans accurately.
• Educate members on financial solutions.

Connaissances

Sales experience

Communication skills

Analytical skills

Customer service

Formation

High School Graduate or equivalent

Description du poste

PFCU is an Equal Opportunity Employer.

Consumer Loan Originator

Department: Lending

Reports To: Consumer Lending Sales Manager/VP of Lending/Chief Lending Officer

Pay Classification: Hourly (FLSA Status: Non-Exempt)

Position Grade: 9

Summary

To assist the credit union in achieving its mission statement: “PFCU WILL DELIVER FINANCIAL WELL-BEING WITH VALUE, CONVENIENCE AND EXCEPTIONAL SERVICE”. The Consumer Loan Originator is responsible for making outbound phone calls to members regarding various items ranging from general services to presenting specific targeted sales opportunities. Additional responsibilities include accurate processing of applications for new accounts, loans, and other products and services received through all member channels. Support, model & adhere to PFCU’s Service Standards as outlined in My MARC.

Essential Functions, Duties, & Responsibilities

• Make contact with members to support sales or promotional campaigns, deepen relationships or cross-sell additional PFCU products or services, including initiating outbound contact on new indirect loan memberships or onboarding for new memberships from the online account opening process.
• Promote and provide loan products by outbound calls.
• Analyze member’s credit data, financial situation and financial goals.
• Follow-up and maintain pending loan queue. Maintain loan information and follow-up documentation.
• Proactively identify any financial need and educate members on each possible solution.
• Assist members with in-depth questions about their accounts.
• Accurately process incoming applications for new accounts, loans, and other products and services.
• Serve as the member liaison between loan origination and loan closing, ensuring timely processing of loan applications.
• Engage in continuous learning to maintain an adequate level of knowledge in all areas of responsibility.
• Demonstrate sensitivity, support, respect, flexibility, dependability and timeliness in taking personal responsibility and accountability for actions and performance.
• Build deeper relationships with members by cross-selling other credit union products and services.
• Meet or exceed established minimum performance expectations.
• Provide regular reports (as requested) regarding efforts and results.
• Maintain ongoing communication with supervisor, informing of all pertinent problems, irregularities, new developments, changes, and other important information within the area of responsibility.
• Demonstrate enthusiastic support of corporate mission, core values and long-term objectives.
• Seek training opportunities to develop or enhance skills through training, conferences, reading, etc. Willingly participate in and attend educational functions and meetings as requested by management.
• Perform all other duties as assigned.

Regulatory Compliance

Follows regulatory and policy compliance requirements including the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Red Flag and Anti-Money Laundering (AML) Regulations, and other compliance related policies.

Confidentiality

Maintains confidentiality with regard to non-public information about our members, employees and the Credit Union. Protects member information and ensures financial transactions are confidential and private. Handles member information responsibly and confidentially.

Security

Ensures the safety and security of all employees, follows all security policies and procedures at all times. Security is the responsibility of all employees.

Qualifications

Education: High School Graduate or equivalent.

Work Experience: Minimum two (2) years as an Experience Specialist, Consumer Lending Processor, Indirect Lending Processor or Development Support Specialist at PFCU is preferred. Equivalent sales experience in a similar role(s) outside of PFCU is also considered.

Language Skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations; write reports, business correspondence, and procedure manuals; effectively present information and respond to questions from managers, employees, clients, members, and the general public.

Mathematical Skills: Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals; compute rates, ratios, and percent.

Reasoning Ability: Apply common sense understanding to carry out instructions furnished in written, oral, or diagram form; deal with problems involving concrete variables in standardized and non-standardized situations.

Other Skills & Abilities

• Ability to creatively structure good performing loans within PFCU policies and procedures. Excellent understanding of lending policies and procedures.
• Able to make decisions and recommendations.

Physical Demands

Employee is regularly required to stand, use hands to finger, handle, and feel objects, tools, or controls; reach with hands and arms; talk or hear. Must occasionally walk, stand, stoop, kneel, crouch, or crawl. Occasionally lift and/or move up to 50 pounds. Specific vision abilities required include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

Work Environment

Noise level usually moderate. Occasionally works near moving mechanical parts and is occasionally exposed to risk of electrical shock.

Mental Demands

Employee is frequently required to use alertness, precision, resourcefulness, problem solving, numeric calculations, persuasiveness, auditory perception, memory, creativity, judgment, writing ability, reading ability, reasoning, imagination, patience, visual perception, comparing, and analyzing.