Call Center Consumer Lender

Posted 7 days ago

broadview federal credit unionAlbany (NY)

Loan Interviewers and Clerks Consumer Lending

SENIORITY

Mid

SALARY

$22.62 - $31.67 per hour

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About the role

Join Our TeamIf you are ready to join a company that truly cares about its employees, our members, and our community then you have come to the right place!

Summary of Role: The Call Center Consumer Lender underwrites, and processes consumer loan applications submitted by members through all channels. Ensures outstanding member experience, high quality loan decisions that meet the credit union's lending policies, and quick funding. The Call Center Consumer Lender communicates regularly with members via various channels including phone, email, and text messaging. The Consumer Lender uses a proactive service approach, taking ownership of loan applications during each interaction and overseeing the successful completion of these loans through funding. The Call Center Consumer Lender is also a champion for the use of digital loan processing solutions.

Essential Job Functions/Responsibilities:

Assisting members with consumer loan products over the phone
Successful completion of Lender Certification Program
Maintain thorough understanding of all regulations governing consumer lending
Underwrites and processes consumer loan applications placed by members through all channels
Monitors multiple Lending Center queues and the functions within each queue, ensuring that service levels for underwriting and document review are consistently met
Communicates directly with members regarding their loan applications in a highly effective and professional manner through multiple channels, including phone, email, text, and MeridianLink web messaging
Uses a proactive service delivery approach to maximize each member interaction, sets expectations with the member for remainder of the loan process, looks for ways to prevent future unnecessary member contact and works to move applications toward funding at each touchpoint
Consistently renders accurate loan decisions in accordance with established policies and procedures
Uses strong analytical skills to review approved loans for items such as proper stipulation completion, proper rate and term handling, full document collection and identity verification, and ensuring proper system notation is maintained
Consults with members and recommends products and services that meet member financial needs; including Broadview Insurance, payment protection, Wealth Management, and GAP coverages
Is proficient in all technical applications including: MeridianLink, FIS, Intranet, Internet, and has in-depth knowledge of our core systems
Provides professional, quality service to members. Assists members and internal customers with questions and problems related to the credit union's loan programs
Demonstrates a full understanding and knowledge of current policies and procedures necessary to underwrite consumer and student loans
Is skilled in personal and telephone interviewing techniques, including the ability to discuss loan alternatives in such a manner that will elicit a positive response from members
Attends all appropriate job related external and in-house training provided by the credit union and departmental staff meetings
Support the annual strategic goals demonstrating consistent effort to achieve assigned individual and team goals
Review credit reports with members, noting any findings, including poor credit
Offer knowledgeable financial counseling to members, remaining up to date on the current lending environment and economic conditions, as well as maintaining a strong and current understanding of lending risk

Through the credit report, evaluate member borrowing history, including repayment history with the Credit Union. Underwrite the loan request adhering to Credit Union Lending policy while determining risk and members ability to repay the loan in full. Submits recommended decision based on application details. Acts as a champion for the use of digital loan processing solutions, including the online/mobile loan application, the Mobile Application Center, DocuSign, and text messaging Obtains loan documents for the member whenever possible to reduce member effort in satisfying stipulations. Looks for and acts on other ways to improve the ease and efficiency of loan processing for the member. Provide recommendations for efficiencies and new ideas to meet goals. Actively participates in Broadview's community initiatives; meeting expectations for volunteering. Performs other duties as assigned

Minimum Job Qualifications: High School diploma and minimum of one (1) year of experience in a related field. Prior experience in underwriting, processing, and closing consumer loans including auto, RV/Boat, sportscraft, personal, and credit card. Prior experience at Broadview or other financial institution strongly preferred. Proven ability to review financial statements including paystubs, purchase agreements, insurance documents, and other supporting documentation. Ability to identify red flags in loan scenarios and supporting documentation. Prior experience in customer service, specifically cross selling within a financial services environment. Proficiency in Microsoft Word and Excel. Strong verbal and written communication skills. Strong mathematical and analytical skills. Starting Compensation: $22.62 - $31.67/hr., plus a competitive benefits package

Schedule: This position is based onsite at our Albany headquarters Monday through Friday. Regular business hours are 8:00 AM to 4:30 PM, with a rotating late shift one day per week until 6:00 PM. Employees are also expected to participate in a rotating remote Saturday schedule from 9:00 AM to 2:00 PM.Bilingual individuals who are fluent in a second language in addition to English are highly encouraged to apply. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other status protected by applicable law. Broadview FCU is committed to ensuring individuals with disabilities and/or those who have special needs participate in the workforce and are afforded equal opportunity to apply and compete for jobs. If you would like to contact us regarding the accessibility of our Website or need assistance completing the application process, please contact us at talentacquisition@broadviewfcu.com

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