Bilingual Inbound Central Consumer Loan Officer

Description

Position Summary:

Responsible for providing excellence in service to members while fulfilling the consumer lending needs. Educate current and potential members on credit union products and services according to all credit union policies and procedures, and Federal and State rules and regulations. Evaluate and recommend consumer loan approvals, denials, counteroffers, loan modifications, and debt restructuring based upon individual circumstances and data.

Major Duties And Responsibilities

• Provide excellence in service to current and potential members.
• Identify and sell products and services that meet the members' financial needs while advancing their financial lives.
• Educate and enroll members into online banking and mobile banking, giving members options on how to fulfill their daily needs through our mobile services.
• Use digital systems to build a self-sustaining referral stream.
• Collate, analyze, and evaluate information & documentation in support of consumer loan applications.
• Evaluate borrower Character, Collateral, Capacity to Repay, and Credit position as a part of loan decisioning process based upon individual circumstances.
• Assist in the recommendation of loan structure and terms.
• Provide exceptional service to our members and referral partners.

• Abide by all applicable policies, procedures, and regulations.
• Effectively assist members through the loan application and approval process, educating them about financial health.
• Assist in managing risk through diligence in the information gathering process.
  
  

Knowledge, Skills, And Abilities

• Knowledge of the consumer loan application process and consumer credit.
• Ability to analyze the current financial situation and recommend the solution most beneficial for the member.
• Ability to influence, educate, and connect members to technology.
• Ability to collate and analyze individual borrower financial information.
• Evaluate information and make recommendations regarding loan pricing, structure, amounts, terms, debt restructuring, and loan modifications as appropriate.
• Ability to recommend loan approvals, denial, and counteroffers based upon analysis of individual facts and circumstances.
• Ability to build rapport, explaining product features & benefits, and persuasively communicate.
• Ability and desire to work remotely and independently required
• Previous Consumer Lending, Banking, Financial Consulting, or Sales experience desired.