Lending Sales Specialist

POSITION SUMMARY

Responsible for correctly and promptly taking all direct side loan applications via phone and web. Attempt to retain existing members and acquire new members by developing personalized banking relationships and by offering superior service and lending expertise.

Support a sales and service culture by consistently, effectively, and efficiently offering credit union lending products along with ancillary products.

ESSENTIAL FUNCTIONS

• Assure that proper loan information is collected to maintain acceptable credit standards and to conform to credit union policy.
• Maintain monthly referral and sales requirements.
• Responsible for the ingesting and preparing all consumer loan applications for both members and non-members via phone and web.
• Review submitted applications for proper structure, possible additional sales opportunities, and prepare for submittal to the underwriter.
• Review loan applications with the applicant and coach on proper credit building along with answering any other lending questions applicants may have.
• Responsible for retaining existing members and acquiring new members through an active inbound / outbound call campaign, portfolio management, developing personalized banking relationships and by offering superior member service and products.
• Proactively promote and sell credit union products and services by capitalizing on cross-selling opportunities found within the application process.
• Establish and expand current relationships with members by determining additional product and services needs for the member.
• Maintain monthly participation goals including but not limited to the following : Credit Life & Credit Disability, Vehicle Service Contracts, and GAP.
• Quote tax, title, license, and Wildlife and Fisheries fees as needed.
• Be able to use multiple systems and websites proficiently and correctly.
• Utilize the lending origination system (LOS) as suggested. Assist in testing the LOS if requested by management, give requests and ideas for enhancements within the LOS.
• Collect all required documentation from members in a timely manner and make certain that all information in the application is correct and ready for funding.
• Work closely with both the underwriters and funders along with the other areas in the Lending Call Center in a professional and efficient manner.
• Counsel members on current financial situation and credit worthiness when applicable.
• Educate and promote the use of multiple delivery channels for member convenience and Protection Solution packages.
• Provide assistance with inbound / outbound sales and service calls into the Call Center as well into the branches when needed.
• Respond to member inquiries and requests regarding loans.
• Maintain knowledge of and comply with the Bank Secrecy Act as it relates to this position.
• Perform other duties as required or assigned by management.

KNOWLEDGE, SKILLS AND ABILITIES

• Ability to read and write.
• Ability to deal with numbers effectively; proficient math knowledge.
• Ability to provide courteous and professional service to members.
• Ability to work effectively with people at all levels.
• Ability to effectively and efficiently communicate orally, in writing, and by phone.
• Ability to analyze situations related to position and make sound decisions.
• Ability to learn, apply, and communicate knowledge of credit union products, services, and procedures.
• Ability to learn, apply, and communicate credit union collection policies and procedures.
• Ability to input and retrieve data from computer.
• Ability to use a calculator.
• Ability to type accurately.
• Ability to use and learn office machines (i.e., copier, fax, terminals).
• Ability to obtain and maintain an NMLS ID.
• Ability to obtain and maintain a Louisiana credit license.

TRAINING AND EXPERIENCE

High school diploma or equivalent required. One to two years financial services experience (preferably in a call center environment or retail sales) and / or training;

or equivalent combination of education and experience.

Salary : $30,000 base + incentives

FLSA Status : Non-Exempt

Reports to : AVP Lending Call Center

Location : Perkins Branch