Lending Solutions Advisor — Consumer Loans

IFCU; Lafayette (IN); Ibrido; USD 53.000 - 79.000; Tempo pieno

Descrizione del lavoro

IFCU in Lafayette, IN is seeking an experienced loan professional to originate, analyze, and underwrite consumer loan applications within lending policies. You will advise members on loan options, explain terms, and ensure compliance with regulations.

The role requires 3–5 years of related experience and a high school diploma or GED, with strong communication and sales skills. This is a full-time position located in Lafayette, Indiana, offering opportunities to cross-sell and support member

Competenze

• High school diploma or GED required.
• 3–5 years of lending or consumer loan experience.
• Strong communication and relationship-building skills.

Mansioni

• Originates and reviews consumer loan and credit card applications and payment waivers, explains loan programs and advises members on loan options and requirements.
• Analyzes member financial condition (credit history, credit score, collateral, etc.) to assess risk and repayment ability; makes decisions within authority or forwards to higher levels.
• Explains terms and conditions, completes loan documents, and ensures accuracy; executes required reports and records.
• Monitors compliance with federal regulations, policies, and procedures; reviews member documents and processes.
• Acts as liaison between members and staff; communicates loan terms, closing costs, and required documents.
• Explains denial reasons and offers alternatives to secure future loans.
• Maintains product knowledge and stays updated on selling techniques, products, and market trends.
• Identifies opportunities to cross-sell loans or other services to members.

Conoscenze

Customer communication

Emotional intelligence

Sales

Credit analysis

Formazione

High school diploma or GED

Strumenti

MS Office

Descrizione del lavoro

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full Time Sales Lafayette Main Member Center, Lafayette, IN, US

13 days ago Requisition ID: 1173

Salary Range: $52,624.21 To $78,936.32 Annually

Role:

Originates, analyzes, decisions, and underwrites consumer loan applications based on lending policies and authority limits. Answers loan skill set and rate questions, resolves due date issues, and all related member questions. Serves as the primary resource for loan systems. Responsible for credit disputes and loan compliance.

Essential Functions & Responsibilities:

• Originates and reviews consumer loan and credit card applications and payment waivers. Explains loan programs and advises members on loan options and requirements.
• Analyzes member financial condition to include credit history, credit score, collateral, and other financial information to assess the degree of risk and the member’s ability to repay the loan. Makes decisions within loan approval authority or forwards the loan request to higher levels for decision.
• Explains terms and conditions of loans. Completes or directs completion of all loan documents to ensure accuracy. Executes required reports and records.
• Reviews member documents and processes to ensure compliance with federal regulations, organizational policies, and procedures.
• Acts as liaison between members and employees, ensuring communication of loan terms, closing costs, and required documents.
• Explains denial reasons and offers member recommendations or alternative ways to secure future loans.
• Maintains thorough product knowledge by learning new selling techniques, products, and market trends.
• Participates in developing lending and deposit business for the credit union. Identifies opportunities to cross-sell new or additional services or products to members.
• Performs other job-related duties as assigned.

Knowledge & Skills:

Experience: Three years to five years of similar or related experience.

Education: A high school education or GED is required.

Interpersonal Skills: Effective communication with contacts inside and outside the organization is essential. Fostering relationships with other entities (companies and individuals) is necessary and often requires the ability to influence and sell ideas or services to members or others. The role requires a significant level of emotional intelligence.

Other Skills: General office equipment such as calculators, computers, photocopiers, and scanners. Maintains confidentiality related to credit union operations and work-related information. Proficient in Microsoft Office software. Must have a proven track record of selling and servicing loans. Must have a working knowledge of regulations affecting consumer lending.

Physical Requirements:

Frequently stands or sits in a stationary position.

This Job Description is not a complete statement of all the position’s duties and responsibilities.