Consumer Loan Specialist (Sales)

Copper State Credit Union; Phoenix (AZ); On-site; USD 22,000 - 33,000; Full time

Job summary

Copper State Credit Union in Phoenix seeks a Consumer Loan Specialist to drive lending opportunities by phone, online, or in person, with a strong sales orientation and commission potential.

You will interview members, discuss financial positions, cross-sell products, guide borrowers, and support processing to meet funding goals. The role emphasizes exceptional member service and adaptability in a fast-paced setting.

Qualifications

• Requires education equivalent to a four-year high school education or GED. Some post-secondary education preferred.
• Professional, well-developed interpersonal skills essential for interviewing loan applicants and projecting a positive image.
• Knowledge of consumer loan policy and procedures, credit granting criteria, interest rates and calculations, loan products and services, credit bureau reports and scores.
• Aware of goals and able to prioritize work to achieve funding goals.
• Technologically Astute – must demonstrate ability to use technology to perform job functions.
• Requires judgment to apply broader aspects of established practices to situations beyond clear guidelines.
• 1–3 years of consumer lending and/or sales experience preferred; loan interviewing required.
• Must obtain and maintain a Nationwide Mortgage Licensing System (NMLS) number to act as a home equity loan originator.
• Intermediate mathematical skills (decimals, percentages, fractions).

Responsibilities

• Interviews members to discuss financial position and assist in lending process.
• Cross-sell other credit union products and services when appropriate.
• Serve as trusted advisor by addressing member needs and concerns.
• Seek qualified opportunities to increase loan volume and product penetration.
• Meet or exceed sales goals by presenting solutions to fit member needs.
• Provide timely and accurate loan information and assist processors when needed.
• Prioritize work to achieve funding goals and maintain strong closing ratios.

Skills

Technologically Astute

Results Orientation

A Service Focus

Initiative

Eye for Quality

Flexibility

Education

HS diploma or GED

Job description

Description

Are you looking for an opportunity to let your skills shine? Come join the team at Copper State Credit Union! We aren't so small that growth opportunities are scarce and we aren't so big that you'll get lost in the shuffle. With only 140 employees, we are able to offer similar products and services as our larger competitors, but on a more personalized scale, both with our members and our employees. This approach provides our employees the opportunity to get involved in the organization in a way they may not be able to, in the corporate world. At Copper State Credit Union, we value the contributions of our employees and actively look for ways to be collaborative, within all levels of the organization. Here, you will have the opportunity to roll up your shirtsleeves, put your unique skills to work, and have a voice in developing your role from the ground up.

This is a sales position which earns sales commissions addition to an hourly rate.

As a Consumer Loan Specialist, you will:

• Demonstrates a highly motivated, positive, out-going, influential informative personality with a strong emphasis on sales and results orientation to ensure the credit union maximizes lending and sales opportunities with members who apply for credit over the phone, on-line, or in person.
• Interviews members to discuss member’s overall financial position and assist in all aspects of the lending process. Looks for opportunities to cross-sell other credit union products and services, makes recommendations to borrowers and if appropriate, referrals to the Mortgage Department.
• Serves as a trusted advisor to membership by viewing situations from the member’s perspective to effectively respond to their needs and concerns, often going beyond the initial need or expressed concern of the member depending on the situation.
• Actively and consistently seeks qualified opportunities to increase loan volume and residual product penetration.
• Consistently meet or exceed established sales goals by overcoming objections by presenting appropriate solutions to fit members’ needs and enhance the quality and depth of member relationships and profitability.
• Ensures all necessary information is obtained on loan applications to permit a proper loan evaluation and decision.
• Responsible for providing timely and accurate information, responses and communication of decisions to the members and assist Loan Processors when needed in the timely gathering of stipulations assigned by underwriters.
• Prioritizes work to achieve funding goals and maintain above average closing ratios.

To be successful in this role, you will need the following competencies:

Technologically Astute - Demonstrate the ability to use technology to effectively and efficiently perform job functions.

Results Orientation - Keenly aware of personal, team, departmental and credit union wide goals and be able to prioritize and collaborate with others to achieve success.

A Service Focus - Demonstrate an unsurpassed commitment to exceptional member service. Build constructive working relationships characterized by cooperation, collaboration, and mutual respect. Personify CSCU's role as a Trusted Advisor.

Initiative - Motivated self-starter who measures self against standards of excellence. Display energy and enthusiasm in approaching the job. Wants to get in on the ground floor and create something from scratch. A bit of an entrepreneurial spirit goes a long way in our environment.

Eye for Quality - Take responsibility for providing timely and accurate information, responses and decisions to internal and external members. Willingly accepts and embraces constructive coaching and feedback as needed.

Flexibility - The ability to excel in a high stress environment, adapt to changing business needs and work priorities needs is a must. Develop fresh ideas that provide solutions to all types of workplace challenges.

Company Overview

Join a winning team and a dedicated Credit Union! We have been offering quality financial service to members and their families since 1951. As a credit union, we are a not-for-profit financial cooperative, which means we operate to serve our member-owners. This makes us quite different from other financial institutions. Since 1951, we have focused on building lifetime relationships by continually expanding our products and services while emphasizing financial security, quality, and convenience in an environment that values and respects members, employees, and business partners.

Requirements

• Requires education equivalent to a four-year high school education or general education degree (GED). Some post-secondary education preferred.
• Professional, well-developed interpersonal skills essential for interviewing loan applicants and projecting a positive image as representative of the Credit Union. Ability to succeed in a high stress environment and is able to meet goals and objectives.
• Work requires knowledge of consumer loan policy and procedures, credit granting criteria, interest rates and how they are computed, loan products and services, credit bureau reports and scores, credit histories, Mechanical Breakdown protection, Guaranteed Asset Protection (GAP), Debt Cancellation Protection. Knowledge of interviewing skills and techniques also required.
• Aware of personal, team, departmental and Credit Union goals and is able to prioritize work to achieve funding goals.
• Technologically Astute – Must demonstrate the ability to use technology to effectively and efficiently perform job functions.
• Requires judgment to apply broader aspects of established practices to situations, which go beyond clear, concise guidelines.
• 1 - 3 years of consumer lending and/or sales experience in a credit union or financial institution preferred. Experience in loan interviewing required.
• Must obtain and maintain in good standing a Nationwide Mortgage Licensing System (NMLS) number to act as a home equity loan originator.
• Intermediate mathematical skills required (calculations and concepts involving decimals, percentages, fractions, etc.)