Consumer Lending Specialist

BASIC FUNCTION

Demonstrates a highly motivated, positive, outgoing, influential personality with a strong emphasis on sales and results orientation to ensure the credit union maximizes lending and sales opportunities with members who apply for credit over the phone.

Consistently demonstrates the ability to think independently, outside the box, by effectively responding to each individual member’s unique situation; not stuck in a mass production box.

Major Activities

• Commands a thorough knowledge of the lending process from application to closing to ensure maximum funding rates.
• Demonstrates an unsurpassed commitment to exceptional member service and teamwork that ensures an experience with each encounter.
• Is fully knowledgeable of all credit union products and services and is able to confidently offer appropriate solutions to fit member need.
• Is able to clearly and effectively communicate with members and all levels of staff in oral and written form and is proficient with applicable technology.
• Uses strong interpersonal skills and influence to consistently achieve sales goals.
• Overcomes objections with persuasion and persistence.
• Displays confidence in presenting appropriate solutions to fit members’ needs.
• Maximizes opportunities to sell WEOKIE products and services to benefit member and enhance quality and depth of member relationship and profitability.

Qualifications

• High School Diploma or GED required. Some college preferred.
• Is fully familiar with and able to clearly communicate with internal and external members about: Underwriting philosophies, lending decisions (approved, denied or conditioned), approval stipulations, loan products and services, credit bureau reports and scores, credit histories, Guaranteed Asset Protection (GAP), Credit Life and Disability insurance, loan and deposit rates, lending policies and procedures and our automated underwriting process.
• Ability to type 50 words per minute.
• Experience utilizing the following software applications preferred: Microsoft Outlook, Microsoft Internet Explorer, Microsoft Excel, Microsoft Word, DNA, Meridian Link.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where guidelines are available but extensive individual evaluation is required.
• Ability to interpret a variety of instructions furnished in written form, including but not limited to loan policy, procedural manuals, and compliance with appropriate regulations.
• Prefer minimum of one year consumer lending experience. One year of experience in a sales environment preferred.
• Must be thoroughly knowledgeable of WEOKIE'S consumer lending policies and procedures, products and services, laws and regulations.