Consumer Lending Representative

2 weeks ago

Tullahoma Tennessee, United States Ascend Federal Credit Union Full time
Job Title: Consumer Lending Representative

Ascend Federal Credit Union is a leading financial institution in Middle Tennessee, with over $4 billion in assets. We are committed to providing our members with exceptional service and support, and we are seeking a highly skilled Consumer Lending Representative to join our team.

Job Summary:

The Consumer Lending Representative will be responsible for providing exceptional service to our members by processing loan applications, answering questions, and providing information about our credit union products and services. This is a critical role that requires strong communication and problem-solving skills, as well as the ability to work in a fast-paced environment.

Key Responsibilities:
  • Originate consumer, home equity, and small business loan applications by phone and online channels.
  • Process loan applications within established timeframes, ensuring accuracy and efficiency.
  • Manage high production volumes in a fast-paced environment, maintaining a high level of accuracy and productivity.
  • Opens new accounts, including share, share draft, Christmas Club, secondary accounts, and Money Market.
  • Advocates for the member and acts as a liaison between the consumer underwriter and the member, to gather information required to render a decision.
  • Communicates loan options, rates, terms, stipulations, and other requirements to the borrower.
  • Conducts outbound calls within established timeframes to communicate lending decisions.
  • Reviews and interprets income verification, credit reports, Carfax reports, collateral values, including NADA, KBB, AVM, and real estate appraisals.
  • Assists members with inquiries and provides general information about the credit union and its loan policies.
  • Consistently meets or exceeds department and individual sales and production goals.
  • Ensures loan applications are complete and accurate.
  • Completes loan booking and funding process by obtaining signatures electronically or by mail and collecting any applicable fees.
  • Completes any servicing that is required post loan disbursement, including but not limited to, ordering coupons, ordering credit cards, setting up automatic payments, notifying other departments of any pertinent information pertaining to the new loan.
  • Maintains up-to-date knowledge of credit union products and services and communicates advantages and benefits to the members in a way that is fluent and insightful.
  • Identifies and executes opportunities around the Credit Union's products and services.
  • Responds to lending and new account inquiries within established timeframes.
  • Processes requests for loan modifications, skip payments, and deferments.
  • Maintains consumer confidence by keeping loan and account information confidential.
  • Thoroughly reviews all member documentation presented to determine legitimacy.
  • Reviews fraud alerts and researches member information regarding risk or fraud.
  • Recognizes fraud scenarios and documentation such as fraudulent paystubs, lease agreements, W2s, etc.
  • Reviews membership information and identification documents identifying when there are discrepancies or irregularities, to determine the validity of information.
  • Possesses knowledge of all credit union services and products, to answer questions from the membership and other outside contacts.
  • May assist with the training of other personnel in the department as assigned.
  • Provides continuous feedback to supervisor.
  • Follows policy and procedures related to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and Office of Foreign Assets Control (OFAC) daily to ensure compliance with current regulations.
  • Reads all internal publications, including HUB and Possibilities.
  • Performs other duties as required or assigned.
Requirements:
  • High School Diploma or equivalent is required.
  • 3-5 years of similar or related experience is required.
  • A high level of problem-solving skills, and the ability to communicate in a clear, concise manner.
  • Must treat all members and outside contacts in a positive and cooperative attitude.
  • Excellent verbal communication skills to communicate professionally.
  • Works under general supervision and relies on experience and judgment to accomplish the goals of the department.
  • A high degree of poise and tact to represent the credit union positively to the membership and outside contacts.
  • Ability to organize and prioritize work with minimum supervision.
  • Must be able to manage multiple projects and prioritize multiple tasks.
  • Must be accurate in all loan transactions and teller transactions, including cash handling.
  • Working knowledge of computer programs, including Microsoft Word, Microsoft Outlook, Excel, and the internet.
  • Must have ability to operate or have ability to be trained to operate related office equipment, including calculator, check and receipt printers, computer terminal (PC), photocopier, telephone, and typewriter.
What We Offer:

Ascend Federal Credit Union offers a competitive salary and benefits package, as well as opportunities for professional growth and development. We are committed to providing our employees with a positive and supportive work environment, and we are seeking a highly skilled Consumer Lending Representative to join our team.

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