Lending Services-Member Service Representative - Hybrid Remote

Advancial Federal Credit Union; Dallas (TX); Remote; USD 60,000 - 80,000; Full time

Job summary

An established industry player is seeking a motivated individual to join their team as a Loan Officer. In this dynamic role, you'll be responsible for processing loan applications, providing exceptional customer service, and cross-selling various financial products. This position offers a unique opportunity to work in a supportive environment that values teamwork and innovation. With a commitment to creating lasting value for members, you'll play a crucial role in shaping positive financial experiences. If you're passionate about helping others and thrive in a fast-paced setting, this could be the perfect opportunity for you.

Benefits

Health Insurance

Retirement Plan

Paid Time Off

Flexible Schedule

Professional Development

Employee Discounts

Qualifications

• Associates Degree or equivalent experience required.
• 6 months related lending experience preferred.

Responsibilities

• Process loan applications and provide account information to members.
• Cross-sell credit union products and services effectively.
• Maintain knowledge of lending procedures and software.

Skills

Customer Service

Loan Processing

Communication Skills

Problem Solving

Sales Skills

Education

Associates Degree

Tools

Microsoft Word

Microsoft Excel

CRM Software (PRISM)

Job description

Responsibilities

SUMMARY

Receives calls at establishment and interviews loan applicants and processes loan applications. Gathers background information and analyzes credit history. Serves as liaison between member and the Credit Union. Provides account information, opens new accounts, and handles member's daily credit union needs. This position requires you to be service-oriented, self-motivated and to be able to work a variety of tasks.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Takes loan applications and enters phone/mail/fax loan applications into the loan processing system. Answers questions regarding loan product rates and terms. Asks open-ended questions to encourage more loan applications and cross-sell a wide array of credit union products and electronic services such as CUAnywhere online banking.
• Meets established goals for acceptable penetration or monthly sales numbers on all ancillary loan products.
• Interviews applicants and requests specified information for loan applications. Ensures loan agreements are complete and accurate according to policy.
• Works loan to obtain approval from centralized lending and then closes loan with member.
• Responsible for maintaining a working knowledge of lending procedures, Credit Union guidelines, Lending Software, and the benefits and features of all loan products.
• Opens new accounts, checking, certificates, money markets, and IRA accounts. Verifies eligibility for new account and processes through ChexSystems prior to opening new accounts. Processes check orders for members.
• Answers telephone and processes daily transactions (or services) for members such as balance inquiry, transfer of funds, history information, stop payments or photocopy of check(s). This includes research and resolution of member concerns. Processes close account requests, address changes, and stop payments. Processes return mail, post deposits, loan payments, and credit card payments. Issues debit cards and troubleshoots online banking.
• Processes wire transfer requests sent in through various channels. Verifies wire information accuracy along with ensuring member security.
• Be very knowledgeable on phone etiquette and speak with a clear, concise voice. Be available to field incoming calls, keeping abandoned calls, average hold times, and idle times to a minimum.
• Records and delivers messages, furnishes information, and performs member transactions as needed. Responds to internet questions and requests.
• Being knowledgeable of the features and benefits of all credit union products and services to enable effective cross-selling, especially our loan products.
• Be available to work during times of company closure due to inclement weather. Options include working remotely or being available to commute to the office. Local overnight stays may be required.
• Practices The Member Advantage methodology to assist members, resolve member complaints, and build and strengthen relationships with members and employees.
• Maximizes service opportunities for current and prospective members and enhances communication through the daily use of Advancial’s customer relationship management (CRM) system, PRISM. Manages leads and referrals, updates member demographic data and communications with contacts. Tracks sales and incentive goals. Uses organizational tools in the PRISM Calendar. Recommends next best product from marketing campaigns to generate cross-sell opportunities.
• Responsible for maintaining a working knowledge of computer equipment and software required including Microsoft Word, Excel, etc.

The hours for this position are Monday thru Friday 9am - 6pm central.

The pay range for this position is $20.69 - $25.86 per hour, based on relevant experience.

Qualifications

EDUCATION and/or EXPERIENCE

Associates Degree (A.A.) or equivalent from two–year College or technical school; and six months related lending experience. Or equivalent combination of education and experience.

Overview

Founded in 1937, Advancial is one of the oldest and largest credit unions in the country. We are an established and proactive full-service financial institution providing personal, convenient, and advanced financial services to individuals and select group partners. Our mission is to create lasting value for our members through superior service, quality products, and innovative solutions.

At Advancial, we always strive to provide the best service and products to our members because we love what we do. We work together to build a culture that promotes a positive employee experience. We’ve been named a Best Company to Work for in Texas for nine consecutive years and a Best and Brightest Company to Work For nationally and locally because we’re serious about building fulfilling careers and not just day jobs.

We invite you to learn more about this position and what Advancial has to offer by completing our online application.

Advancial Federal Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, age, national origin, or protected veteran status and will not be discriminated against on the basis of disability.