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MSC Lending Advisor I

2 months ago


Fairfax, United States Apple Federal Credit Union Full time
Job DescriptionJob Description

Why Join Apple?

At Apple FCU, we take pride in our strong community ties and our commitment to workplace diversity. Our employees are at the heart of our success, and we actively support their professional development and career journeys. As part of our comprehensive benefits package, we offer: health; vision; dental; 401(k) contribution match; tuition reimbursement; guaranteed 11 federal holidays; paid time off; paid volunteer time; TEAM Bonus plan and much more.

Additional Workplace Highlights:

  • Named Top Workplaces by the Washington Post 2023
  • Named Top Workplace USA 2023
  • Named American Banker Best Credit Unions to Work For 2022
  • Diverse, friendly work environment, progressive management staff
  • 21 branches in Northern Virginia with easy commuting distance


Role:

Under general supervision, but following established policies and procedures, serves as a sales and service

ambassador to Credit Union members and non-members through call efforts, including phone calls and emails

pertaining to consumer loan applications. Acts as a 'trusted advisor' by offering Apple products and services

that meet members' financial needs. Achieves and strives to exceed sales targets. Completes all necessary

paperwork to set up new loans, products, and services including processing loan applications. Assists members

with basic loan servicing requests. Makes recommendations for loan decisions. Answers questions concerning

services provided by the Credit Union from members and staff. Must possess excellent interpersonal

communication skills and the ability to represent the Credit Union in a courteous, professional manner. Ensures

that members receive prompt and courteous service through a pleasurable and convenient application process in

an omni-channel environment. Performs duties and responsibilities in accordance with The Apple Way

principles, of Team Up, Serve with Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres

to Credit Union policies and procedures, and regulations pertaining to the Bank Secrecy Act including

completing CTR reports when applicable, reporting suspicious activity via SAR when applicable and

completing annual training. Perform other sales, service, and lending support-related duties as assigned by the

Assistant Manager of MSC Lending Operations.


Essential Functions & Responsibilities:


Working as part of the Member Solutions Center, receives phone calls from members wanting to

apply for a loan, or have questions regarding an existing loan. Acts as a trusted lending advisor and utilizes

integrity with every sale and service in all interactions with members and potential members. Establishes and

develops member relationships through an omni-channel environment and maintains the members' best

interests. Qualifies member for appropriate products and services. Seeks to close sales of lending products and

services that are beneficial to both the member and the Credit Union in accordance with sales expectations and

goals. Achieves daily, weekly, monthly, and other contact and sales goals.


Processes member loans by phone: Interviews and qualifies loan applicants, reviews credit bureau

reports, prepares all loan documentation, and inputs information into computer. Explains all documentation and

procedures accurately to our members. Follows-up with members as appropriate. Assists members with

opening and closing accounts, including loan products, as well as notifying members of denied loan requests.

While maintaining a positive member experience, focusing on overall member satisfaction and company

reputation.


Working with other lending support areas of the company, assists members with basic loan servicing

questions and needs. Submitting helpdesk tickets, completing forms and paperwork, and advising members on

servicing needs.


Prepares analytical reports in MS Excel for management summarizing leads, applications, generated

through the member contact activities. Effectively communicates results and concerns with supervisor through

one-on-one meetings.


Remains cognizant of any updates regarding lending and basic loan servicing knowledge. Attends Credit Union required

lending trainings, in addition to MSC Lending Operations refreshers and trainings.


Knowledge and Skills:

Experience:

Minimum two years financial institution and/or call center experience preferred. Previous lending, or member/customer service experience preferred. Previous sales experience strongly preferred.

Education:

High School diploma or equivalent (GED). Associates degree preferred.

Interpersonal Skills:

Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Location: Fairfax, VA

Schedule: Hybrid

*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace.

As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.

All selected candidates will be subject to credit and background checks to determine employment eligibility. ***