Lending Center Specialist

Fort Bragg Federal Credit Union; Fayetteville (NC); On-site; USD 42,000 - 60,000; Full time

Job summary

Fort Bragg Federal Credit Union seeks a Lending Center professional to provide member service for loan products, interview applicants, and match solutions to needs. You will originate applications, explain terms, and upsell qualifying products while maintaining compliance and service standards.

The role emphasizes a sales-oriented approach, collaboration with underwriting, and achieving lending and service goals in a cooperative environment. Prior lending and sales experience is essential.

Qualifications

• High School Diploma.
• Annual mandatory Bank Secrecy Act, OFAC and Red Flag Identity Theft training.
• 3-5 years member service and/or lending experience.
• At least 1 year general sales/solicitation experience.

Responsibilities

• Interviews and interacts with members regarding Credit Union loan products and services; uncovers member needs and provides lending solutions.
• Maintains a sales-oriented approach to member interactions to provide best lending solutions.
• Explains terms and conditions of consumer loan products and verifies disclosures.
• Originates loan applications via phone and internet; submits to underwriting for final approval.
• Offers ancillary products to eligible members and meets sales metrics.
• Performs outbound calls to solicit loan products and services.
• Maintains knowledge of credit reports and underwriting standards to assist applicants.
• Ensures adherence to performance metrics and compliance guidelines.
• Coordinates with lending partners to ensure closings and resolve issues.
• Participates in achieving departmental goals and maintains product knowledge.
• Maintains security over member information and transactional activity.

Skills

Member service

Lending knowledge

Sales experience

Communication skills

Education

High School Diploma

Job description

Looking for a career that is both challenging and rewarding?

Experience the difference - come join us!

Looking for a career that is both challenging and rewarding? Join the Fort Bragg Federal Credit Union team! We’re a growing organization where our loyal members and exceptional employees make a difference each day.
Fort Bragg Federal Credit Union offers unique opportunities, challenges and personal rewards through financial and other professional employment. Our team of dedicated financial professionals demonstrate our core values of Trust, Commitment and Integrity every day through the work we do and the service we provide our loyal membership.

There are a variety of positions appropriate for all levels of education and experience. Although we may or may not have an open position meeting your qualifications at a particular time, please check back frequently, as our needs do change.

What We Offer

Fort Bragg Federal Credit Union offers competitive salaries, comprehensive benefits and advancement potential in an atmosphere that is positive, supportive and professional. Come join us, and experience the difference a job with Fort Bragg Federal Credit Union offers!
Fort Bragg Federal Credit Union is an Equal Opportunity Employer. Applicants have rights under Federal Employment Laws .

Working within the Lending Center, provides internal and external member service to all levels of present and potential members regarding loan products and services along with other ancillary products offered by the Credit Union. Conducts member interviews regarding loan applications and matches product solutions to member needs also making product and service recommendations as appropriate. Actively participates in successfully achieving Credit Union lending and sales goals.

Primary Duties and Responsibilities:

• Interviews and interacts with members and potential members via phone, e-mail and other electronic platforms as appropriate regarding Credit Union loan products and services. Uncovers member needs and provides potential lending solutions to assist those specific needs.
• Maintains a sales-oriented approach to each member/potential member interaction as to provide the best possible lending solutions for the member.
• Explains the terms and conditions of consumer loan products to the applicant(s) and verifies that loan disclosures are correct and all pertinent paperwork is in place and properly executed.
• Accurately originates member and potential member loan applications via phone and internet (web applications). Submits completed applications to loan underwriting for final approval.
• Offers all qualifying members ancillary products available at the Credit Union to include but not limited to vehicle mechanical repair coverage, Guaranteed Asset Protection (GAP), and credit life & disability products. Meets sales metrics for such products.
• Responsible for outbound calls and solicitation of loan products and services to members and potential members as assigned by management.
• Maintains a working knowledge of credit reports (reading and interpreting), credit worthiness, and a generalized understanding of loan underwriting standards to better assist loan applicants with customized loan options.
• Complies with key performance indicators, metrics, and standards such as adherence to schedule, inbound call production, application count (volume), accuracy and completeness of applications, closed loan volume (production) and other metrics as determined by management.
• Refers, assists, and completes follow up with lending partners (i.e. Credit Union Mortgage Association) to ensure loan closings are complete, resolve any issues, and ensure compliance guidelines are met.
• Participate in meeting the goals and objectives set by the Board of Directors and Management as well as meeting departmental goals.
• Develops and maintains detailed knowledge of the products and services offered by the Credit Union.
• Must have a working knowledge of the overall Credit Union operations computer system and usage.
• Must be highly proficient in all aspects of Credit Union/Lending Center operations, policies, and procedures to train and assist all staff assigned to the department.
• Maintain proper security over member information and transactional activity.

Other Duties and Responsibilities:

• Must be able to cross sell all CU products and services to our members to increase overall product penetration.
• On an as needed basis may participate in offsite business functions as a representative of the Credit Union.
• Balance, verify and review various accounts, reports and systems as assigned by management.
• Routinely conduct outbound calls to members and non-members in an effort to acquire new business.
• Performs other duties as assigned by management.

Minimum Qualifications:

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

Education and Training:

• High School Diploma.
• On an annual basis is required to complete mandatory Bank Secrecy Act, OFAC and Red Flag Identity Theft training.

Prior Experience:

• 3-5 years member service and/or lending experience, with at least 1 year general sales/solicitation experience.

Interpersonal Skills:

Courtesy, tact and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

Other Special Skills and Abilities:

• Must have the ability to communicate effectively with members by electronic means (internet chat, e-mail, etc.) and by telephone and must project a positive, professional and cooperative approach when interacting with members.
• Must possess a general knowledge of the laws and regulations pertaining to the acquisition and granting of loan products. In addition, must be knowledgeable regarding loan guidelines, procedures, and policies ensuring that the applicants are eligible for the loans requested and the documentation requirements are complete.
• Must be willing to “reach out” and call members to solicit new accounts and loan business.
• Ability to work with a variety of software applications.
• Specifications may be waived at the discretion of Credit Union Management.