Loan Specialist

Texas-Dps-Credit-Union-; Austin (TX); On-site; USD 52,000 - 70,000; Full time

Job summary

Texas DPS Credit Union in Austin, TX is seeking a Loan Specialist to deliver a consultative, relationship-focused lending experience for members and applicants on-site. You will guide applications through the LOS, communicate decisions, and collaborate with processing to move loans toward closing.

The role emphasizes strong lending knowledge, sound judgment, and clear, empathetic communication. If you enjoy helping members navigate consumer lending decisions, this position offers growth in a

Qualifications

• High school diploma or GED is required.
• Experience in consumer lending, financial services, or consultative sales preferred.
• Strong communication, interpersonal and relationship-building skills.
• Knowledge of consumer lending and credit reports.
• Ability to identify issues and solve problems with sound judgment.
• Attention to detail and accuracy in handling applications.
• Ability to manage multiple systems, deadlines and priorities.
• Credit union or banking experience and LOS experience preferred.
• Spanish language ability is preferred.

Responsibilities

• Create a consultative, relationship-focused lending experience for members and applicants.
• Learn goals, recommend responsible solutions, and guide applications through the LOS.
• Communicate decisions and next steps to members.
• Work with processing team to move loans toward closing.
• Build trusted relationships through loan conversations and follow-up.
• Identify member needs and recommend consumer loan and protection solutions.
• Collect and maintain accurate application information in the LOS.
• Review credit and application details for concerns and opportunities.
• Communicate approvals, counteroffers, conditions, and adverse decisions clearly.
• Maintain knowledge of products, rates, promotions, procedures, and compliance.
• Collaborate with lending, processing, operations, collections, and management to serve members effectively.

Skills

Consumer lending

Financial services

Member service

Consultative sales

Communication

Interpersonal skills

Relationship-building

Credit reports

LOS experience

Spanish (bilingual)

Education

High school diploma or GED

Job description

Loan Specialist - (Austin, TX | On-Site)

At Texas DPS Credit Union, we do more than provide loans. We serve those who serve others, including the employees and families of the Texas Department of Public Safety, Texas Police Association, and Texas Sheriffs Association.

We are here to educate our members about money matters, enhance their experience, and empower them to make decisions that put them in the best possible financial position. This vision drives our leadership team and employees in every action we take.

We seek individuals who are enthusiastic about helping drive our vision and who exemplify our core values of Authenticity, Excellence, Integrity, Outstanding Service, and Unity. If you are looking to make an impact while working alongside a close-knit team, we would like to connect.

What you will do as the Loan Specialist

As a Loan Specialist, you will create a consultative, relationship-focused lending experience for members and applicants. You will learn their goals, recommend responsible solutions, guide applications through our loan origination system, communicate decisions and next steps, and work closely with our processing team to move approved loans toward closing. This position does not independently make credit decisions, but it does require strong lending knowledge, sound judgment, confident communication, and a genuine ability to connect with people.

• Build trusted relationships through thoughtful loan conversations and proactive follow-up
• Identify member needs and recommend appropriate consumer loan and protection solutions
• Collect and maintain complete, accurate application information in the LOS
• Review credit and application details for concerns, discrepancies, and opportunities to strengthen the request
• Communicate approvals, counteroffers, conditions, and adverse decisions clearly and respectfully
• Manage leads and applications to support timely decisions and strong application conversion
• Resolve routine lending issues and elevate exceptions or higher-risk circumstances appropriately
• Complete a clean, accurate handoff to the Loan Processor after the member accepts approved terms
• Maintain current knowledge of products, rates, promotions, procedures, and compliance requirements
• Collaborate with lending, processing, operations, collections, and management to serve members effectively

This position suits you if:

• You enjoy talking with people, asking good questions, and helping them find a responsible path forward
• You are comfortable with sales goals but believe the member's best interest comes first
• You communicate clearly, confidently, and empathetically - even when the answer is complicated
• You understand consumer lending and can recognize when something needs a closer look
• You are organized, accountable, and persistent about follow-up
• You enjoy technology and can use automation without turning off your critical thinking
• You thrive in a collaborative, team-oriented environment

What We're Looking For

• High school diploma or GED required
• Consumer lending, financial services, member service, or consultative sales experience preferred
• Strong communication, interpersonal, and relationship‑building skills
• Working knowledge of consumer lending and credit reports
• Ability to identify issues, solve problems, and elevate appropriately
• Attention to detail and accuracy when handling applications and member information
• Ability to manage multiple systems, deadlines, and competing priorities
• Credit union or banking experience and LOS experience preferred
• Bilingual in Spanish preferred

Core Competencies

• Member Service Excellence
• Consultative Lending & Sales
• Relationship Building
• Lending Knowledge & Credit Review
• Communication (Verbal & Written)
• Attention to Detail & Accuracy
• Problem Solving & Sound Judgment
• Pipeline Management & Follow-Through
• Compliance & Confidentiality
• Teamwork & Collaboration

Why work at Texas DPS Credit Union?

• Competitive total compensation aligned with experience
• Comprehensive employer-sponsored benefits package
• 401(k) with company match and company-paid pension plan
• Paid time off and holidays
• Professional development and learning opportunities
• A team-oriented culture with regular engagement activities
• On-site wellness amenities and an employee-focused work environment