CC Lending Specialist

CC Lending Specialist

Kitsap Credit Union is a not-for-profit, member-owned financial cooperative with more than 300 employees and 14 branches throughout Western Washington. We have a passion for making a positive difference. As a $2 + billion-asset credit union, we are deeply committed to our members' financial wellbeing and the prosperity and quality of life in the communities we serve. We are proud to be led by individuals with the experience and skills to drive our organization towards our goals for strategic growth and operational excellence. Our KCU Cares Foundation program focuses on providing resources and support for those struggling with homelessness or hunger and improving the financial well-being of the people in our communities. And beyond monetary efforts, we have provided thousands of hours in staff volunteerism and in-kind support.

At Kitsap Credit Union, our success is built on trust-based relationships and personalized service. We understand our employees are key to our success. They provide the personalized service to our members and contribute to the communities where we live. We are committed to providing a supportive, mission-driven, and inclusive culture where employees can grow their careers. To learn more, visit kitsapcu.org.

Kitsap Credit Union is in search of a Contact Center Lending Specialist to work out of our East Bremerton location. This position is responsible for creating member loyalty by providing exceptional service and deepening member relationships by cross-selling all products and services and demonstrating digital and self-serve options.

Principal Accountabilities:

• Answer inbound calls from members or prospects adhering to KCU standard business practices using sound judgement.
• Effectively work online lending queue to ensure quick turnaround on pending applications.
• Obtain detailed information on behalf of member or prospect to ensure application is complete for underwriter review and decisioning.
• Complete entire account review during time of application to look for cross sell opportunities of KCU products to create more fully engaged members.
• Achieve lending and sales goals while meeting standards for quality; may include inbound and/or outbound calling.
• Communicate loan decisions to applicants, provide loan counseling and/or alternative lending solutions as needed.
• Accurately and efficiently prepare loan documentation and fund loans according to policies, procedures, and regulations.
• Maintain an active knowledge of Kitsap Credit Union's lending products, policies, procedures, applicable laws, and regulations.
• Process new accounts to accommodate non-member loan requests received via our online and mobile channels.
• Maintain a high level of confidentiality relative to any information received directly or indirectly.
• Maintain a strong knowledge of KCU operating systems and self-service technology.
• Contribute to effective department and credit union operations by performing other related duties as assigned.

Required Skills and Abilities:

• Excellent interpersonal communication skills including effective listening, speaking, and writing.
• Excellent verbal and written communication skills.
• Ability to present, explain and refer products and services.
• Excellent organizational skills and attention to detail.
• Proficient in Microsoft Office applications.
• Ability to learn and maintain strong level of Kitsap Credit Union's core operating systems and self-service technology (iPhones, Androids, etc.).
• Demonstrate a high level of engagement and active collaboration contributing to a positive team environment.
• Understand, model, and represent KCU's core values.

Required Qualifications and Education:

• High school diploma or GED.
• One year of experience in a financial institution.
• One year of consumer lending (personal, Auto and Credit Cards) experience.
• Availability during Saturdays and extended business hours.
• Must be registered with the Nationwide Mortgage Licensing System (NMLS) within 30 days of hire and comply with the SAFE Act regulations.

Preferred Qualifications and Education:

• An understanding of credit fundamentals and underwriting criteria preferred.

Supervisory Status:

This position does not supervise others.

Working conditions:

• Must be able to remain in a stationary position for a minimum of 75% of the time
• Constantly operates a computer and other office productivity machines
• The person in this position frequently communicates with peers, supervisors, vendors, and employees to exchange accurate information and answer questions
• Works in an indoor office environment but expected to attend meetings in buildings that require travel in outdoor weather conditions

Equal Employment Opportunity/Affirmative Action Statement:

Kitsap Credit Union is firmly committed to equality of opportunity for all employees and applicants for employment in accordance with applicable Equal Employment Opportunity/Affirmative Action laws, directives, and legislation.

Our Values:

Integrity: We believe in acting with honesty, trust, and respect which are at the forefront of our daily engagement.

Responsibility: We believe that responsibility is holding ourselves accountable for our decisions, actions, and their outcomes.

Collaboration: We believe in the power of a diverse group of people working together to achieve a united outcome.

Authenticity: We believe activities in actions that demonstrate our commitment to be transparent, dependable, and genuine in every day.

What We Offer:

Not only are we one of the largest credit unions in Washington State, and growing, but we are also a company that cares about its employees. We back that up for our employees by offering competitive pay and a benefits package that helps support you and your family's lifestyle. We value our employees, and we strive to keep our benefits comprehensive and affordable. Some of our benefits include:

• Free onsite parking
• Annual time off and sick time accrued
• 11 Paid holidays
• 1 Personal floating day
• Medical, Dental, Vision, Short- and Long-term Disability, Life and AD&D Insurance
• Employee Assistance Program
• Choose from a PPO medical plan or a High Deductible with a Health Savings Account
• 3% KCU funded Safe Harbor Contribution to your 401K
• KCU will match up to 2% of your 401K contributions
• All 401K contributions are 100% vested
• Potential annual incentive in all roles within Kitsap Credit Union
• Tuition reimbursement
• 8 hours of paid volunteer time off
• Discounts on KCU's products and services
• Enjoy unlimited ORCA transit access through KCU for less than $45 a yearyour cost as an employee

We believe in the power of belonging it's in our DNA as a not-for-profit, member-owned cooperative. Our un-bank-like structure ensures that we remain all about people: our members, our employees, and the people in the communities where we live and work. We work hard to provide a collaborative and inclusive environment where you can grow and excel in your career.

We are dedicated to serving our members by providing personalized experiences, convenient access, and highly competitive products and services. But it goes much deeper than that. For more than 86 years, we have been relentless about making a positive difference in our communities. We understand that when our members and communities succeed, we all succeed, and that success can't happen without great employees.

****** Employment is contingent upon satisfactory background check. Kitsap Credit Union is an Equal Opportunity Employer. All qualified applicants for employment will receive consideration without regard to sex, marital status, race, color, religion, national origin, age, veteran status, disability, genetic information, or any other protected status. ******