Consumer Lending Specialist

Emploi pas sur LinkedIn

🕒 il y a 1 mois

🐊 Florida, Illinois, +7 états de plus – Distant

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

⏰ Temps Plein

🟢 Junior

🚫👨‍🎓 Aucun diplôme requis

👻 Score fantôme 11%

Ce que ça veut dire : la probabilité que cette offre reste ouverte sans recrutement actif.Comment le lire : 60 % ou plus, on pense que c'est une offre fantôme. Un score plus bas est moins inquiétant.Comment on la calcule : ancienneté, republications, postes ouverts vs taille de l'équipe, rapidité de clôture, et si le salaire est indiqué.À noter : une estimation à partir de données publiques, pas un jugement sur l'entreprise. De vraies offres peuvent avoir un score élevé, alors prenez-le comme un indice, pas comme un fait.

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Connexus Credit Union

Site WebLinkedInTous les Emplois

501 - 1000 employés

Fondée en 2019

🛡️ Assurance

💼 Conseil

🏦 Banque

Insurance • Consulting • Banking

La Connexus Credit Union est un établissement financier qui propose une large gamme de services bancaires à ses membres, incluant des comptes chèques et d'épargne, des prêts, des cartes de crédit et des services d'assurance. Elle offre diverses solutions bancaires personnelles et professionnelles telles que des prêts hypothécaires, des lignes de crédit sur valeur domiciliaire, des prêts automobiles et des prêts personnels. Connexus s'engage pour le bien-être financier de ses membres et propose des services bancaires numériques, des calculatrices financières et des ressources éducatives. La coopérative de crédit dispose également d'un programme appelé Connexus Cares pour l'engagement communautaire et fournit des ressources sur la sécurité et la protection contre la fraude. Les membres ont accès à des services pratiques tels que la banque en ligne, les distributeurs automatiques de billets (DAB), et la banque par téléphone.

Description

• 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.

🎯 Exigences

• 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.

🏖️ Avantages

• 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