Consumer Loan Officer Trainee Position

4 weeks ago

Medford, Oregon, United States Reliable Credit Association Full time
Job Details

Job Title: Consumer Loan Officer Trainee

Job Location: Medford, OR

Salary Range: $20.45 Hourly

Job Description

We are seeking a highly motivated and detail-oriented Consumer Loan Officer Trainee to join our team at Reliable Credit Association, Inc. As a Consumer Loan Officer Trainee, you will play a crucial role in providing exceptional customer service, investigating and developing credit applications, and working to obtain discretionary credit approval for the origination of direct consumer loans and the purchase of retail installment contracts.

Key Responsibilities:
  • Provide customer service primarily by telephone, in-person, and electronically by offering appropriate solutions, resolution for issues, and follow-up.
  • Collections of certain past due loans and contracts, including making payment arrangements.
  • Marketing for loans by inviting customers to apply for loans and offering optional ancillary products, if properly licensed, when they may provide benefit to the customer.
  • Obtaining and inputting, primarily by telephone, direct consumer loan applications, including inputting complete credit applications, identifying the real loan purpose and potential collateral to secure the loan.
  • Investigate and develop direct consumer loan and contract credit applications, including interviewing applicants to obtain additional information, verification of employment and other credit history.
  • Analyzing, examining, and evaluating credit applications. For training purposes, the Consumer Loan Officer Trainee will make credit recommendations to a Consumer Loan Officer whether to approve, decline or counteroffer both direct loan and contract credit applications.
  • Consumer Loan Officer Trainee is expected to contribute as needed to every project at Reliable Credit and to work as necessary to meet our customers' needs and organizations success.

Requirements:
  • College degree preferred. May consider 2+ years of industry-related experience, and/or a combination of education, related experience, and/or training.
  • Commitment to continuous learning with the ability to develop process, people, leadership, and management skills as a participant in our development program (if, and/or when program is available).
  • Ability and desire to interact with a diverse customer base.
  • Ability and desire to learn and accurately apply applicable laws and regulations required within the finance/credit/banking industry.
  • Ability and desire to learn, effective credit underwriting, including approval, denial, and counteroffer of originating direct consumer loans and purchasing retail installment contracts from primarily automobiles dealers.
  • Ability and desire to learn, effective negotiation and marketing skills.
  • Critical and inquisitive thinking, analytical skills, and attention to detail to draw out information and aide decision making.
  • Solid understanding of the economics and risk elements related to financing.
  • Ability to analyze and interpret financial data.
  • Effective decision-making and negotiating skills.
  • Ability and desire to learn and accurately apply applicable laws and regulations.
  • Ability and desire to learn and navigate multiple tasks, systems, and situations while working under pressure to meet deadlines. and to read and interpret manuals and guidelines.
  • Organizational and time management skills.
  • Professional verbal, written and interpersonal communication skills.
  • Teamwork/Rapport building skills.
  • Basic computer skills, including a general proficiency using Microsoft Office programs.
  • Incumbents are required to obtain any necessary insurance licensing prior to consummating loans with optional ancillary products.
  • Willingness to be part of a development program with initial focus on our Credit Officer position. The Credit Officer position requires (1) sound loan and contract credit approval judgment, (2) being comfortable and effective in negotiating the purchase price of a retail installment contract from primarily automobile dealers, and (3) being comfortable and effective with inside and outside marketing to primarily automobile dealers.
  • Bilingual (Spanish/English) is a plus.

Work Environment and Physical Demands:

The work environment and physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit. The employee is occasionally required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and readily and effectively communicate. The employee must occasionally lift and/or move up to 15 pounds. Vision abilities required by this job include ability to effectively see within an office environment, which may include long term computer exposure, and to adjust focus accordingly.

The duties of the job are primarily performed in an office environment. There is some exposure to noise in the work environment, which is usually mild to moderate. The (insert job title) may at times require a limited amount of time doing outside sales primarily at automobile dealerships.

Disclaimer Language

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. Employees may be required to perform duties outside of their normal responsibilities from time-to-time, as needed.

Reliable Credit Association, Inc. is an equal opportunity employer that strives to create a diverse workforce and an inclusive culture.

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