Consumer Lending Specialist

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🕒 Julho 15

🐊 Florida, Illinois, +7 estados a mais – Remoto

🐊 Florida – Remote 🌽 Illinois – Remote 🌾 Iowa – Remote 🏈 Ohio – Remote 🚗 Michigan – Remote ❄️ Minnesota – Remote 🏰 Missouri – Remote 🤠 Texas – Remote 🧀 Wisconsin – Remote

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Connexus Credit Union

SiteLinkedInTodas as Vagas

501 - 1000 funcionários

Fundada em 2019

🛡️ Seguros

💼 Consultoria

🏦 Bancário

Insurance • Consulting • Banking

A Connexus Credit Union é uma instituição financeira que oferece uma ampla gama de serviços bancários aos seus membros, incluindo contas correntes e poupança, empréstimos, cartões de crédito e serviços de seguros. Fornece várias soluções bancárias pessoais e empresariais, como hipotecas, linhas de crédito com garantia imobiliária, empréstimos para automóveis e empréstimos pessoais. A Connexus está comprometida com o bem-estar financeiro dos membros e oferece serviços bancários digitais, calculadoras financeiras e recursos educacionais. A cooperativa de crédito também possui um programa chamado Connexus Cares para envolvimento comunitário e fornece recursos sobre segurança e proteção contra fraudes. Os membros têm acesso a serviços convenientes, como banco online, caixas eletrônicos e banco por telefone.

Descrição

• Interview consumer loan applicants and provide information on loan products that best meet the member's needs. • Request and review all required information and documentation to complete a loan. • Assist members in completing loan applications. • Obtain and evaluate credit reports. • Evaluate income, calculate debt-to-income ratios. • Use NADA / J.D Power valuation tool to evaluate collateral requirements and proposed collateral values. • Proactively evaluate applicant's eligibility for other credit union loans, products, services, and cross sell and/or refer to the appropriate department. • Effectively underwrite and approve consumer loans up to $30,000. • Responsible for achieving $100,000 in monthly upsell / cross-sell opportunities. • Responsible for selling GAP protection to members/borrowers and maintaining 50% penetration monthly. • Responsible for selling mechanical breakdown policies to members/borrowers and maintaining 25% penetration monthly. • Responsible for selling payment protection to members/borrowers and maintaining 40% penetration monthly. • Maintain a high level of accuracy and quality at 97% or greater as it pertains to loan files. • Evaluate risk and determine the outcome of each loan request. • Use credit lending limits and authority appropriately. • Assure that loans are within program guidelines and individual approval limits. For amounts exceeding program guidelines or individual limits, refer to manager. • Regularly and proactively communicate with members/borrowers providing loan status updates to ensure proper understanding of milestones. • Engage directly with members via incoming calls, emails and online banking to discuss their loan titles, handling follow-up as needed to address questions. • Provide exceptional customer service in all interactions while achieving established efficiency goals. • Correspond with members, applicants and creditors to resolve questions regarding application information. • Recommend and outline terms of loans within credit union's policies and procedures. • Ensure an interest rate structure that is consistent with credit union policies and procedures. • Review and comply with regulations as they apply to consumer loans and security agreements. • Develop, review, and manage your own action plan to ensure that you are achieving desired loan production and ancillary sales results. • Review with your manager as necessary. • Develop a working knowledge of mortgage and home equity products and services and refer business to the real estate lending team as necessary. • Must adhere to all NCUA and CFPB which includes but not limited to Regulation B, ECOA, Fair Lending, Wisconsin Consumer Act, and all other Compliance standards. • Comply with all Federal Regulations as they pertain to your job duties, including BSA.

🎯 Requisitos

• 1+ year of prior lending experience is Required. • Prior experience selling ancillary products and identifying cross-selling opportunities is Required. • Prior experience working within a financial institution such as a bank or credit union is Required. • Demonstrated success in sales and customer service, with a proven ability to build relationships and deliver exceptional customer experiences is Required. • Strong verbal and written communication skills, with the ability to communicate professionally and effectively with others is Required. • Ability to thrive in a fast-paced, high-volume environment while managing multiple priorities and meeting deadlines is Required. • Proficiency with mainframe and PC software, including Microsoft Windows and Microsoft Word, with the ability to navigate and utilize internet-based applications effectively is Required.

🏖️ Benefícios

• 20 days of paid time off and 10 paid holidays • 16 hours of paid Volunteer Time Off • 401K Retirement with up to 6% employer match • Excellent Health, Dental, Vision insurance, including multiple plan options • Health Savings Account with generous employer contributions • Employer paid Life insurance, Short-Term and Long-Term Disability • Tuition Reimbursement from $4,000 - $7,000 per calendar year • Robust Learning and Development program that includes an annual professional development stipend