Job Details Description POSITION SUMMARY Interviews members for consumer loan and new account requests. Makes sound decisions on member requests inside approval authority. Educates members on features and benefits of products and services. Recommends products and services that meet member needs, including digital solutions. ESSENTIAL DUTIES AND RESPONSIBILITIES • Interviews for and closes consumer loans and HELOCs within granted approval authorities including complex and intricate requests. Interviews and closes requests for refinancing or rewrites of existing loans, approving or denying loans within lending authority and recommending on loans above lending authority. • Utilizes automated underwriting and approval software to guide lending decisions. • Maintains sufficient knowledge to assist with other types of loan applications. • Performs member transactions and assists with greeting members and directing them to the proper employee or technology solution. • Performs collections/repossessions on problem loans. • Processes and utilizes automated new account applications for individual members, trusts, estates, IRA’s and UTTMA accounts including checking applications and interviewing applicants in order to obtain all necessary information to complete the CIP file. • Consults with members to educate them on features and benefits of products and services. Recommends products and services based on member financial needs. Enhances member relationships through follow-up activities to include outbound calls. • Makes referrals to appropriate departments. • Serves as a leader and shares knowledge in order to train Virtual Banking Consultant II’s and is a resource for questions. • Contributes to the mission and visibility of the Credit Union by actively participating in community relations efforts. EDUCATION AND EXPERIENCE • High school diploma required • Two year degree in Sales, Credit or Finance preferred • Three years of experience in a financial institution; or equivalent knowledge and skills gained through a minimum of 3 years related work experience Qualifications Skills Behaviors : Motivations : Education Experience Licenses & Certifications Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)
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