GENERAL SUMMARY: Creates relationships with members and potential members to become financial partners for life. Originates consumer loans in accordance with established credit union lending policies. Responds to spoken and unspoken member needs and questions concerning all aspects of credit union loan products in person or by telephone. Continually promotes and cross-sells credit union products and services.

JOB DUTIES:

Will perform job duties in accordance with policies established by the Board of Directors under the rules and regulations set by the National Credit Union Administration and State of Florida.

• Drive sales and success through service. Ensure a positive member experience and achieve sales and referral goals through an expanded product set that includes banking, insurance and investment products
• Build a book of business by proactively seek ways to develop and expand relationships in order to contribute towards financial center and own success
• Maximize personal productivity by utilizing dedication and drive, insightful listening skills, attention to detail, and adaptability to achieve all levels of member, financial center and personal goals
• Experience continual opportunities to expand your financial acumen, sales expertise, interpersonal skills, and more
• Performs all duties of Member Service Representative
• Interviews loan applicants obtaining the required information, explaining loan options, interest rates, terms, and collateral requirements including ancillary products.
• Using credit approval guidelines, approves or denies and disburses loans by correctly applying and analyzing credit information while adhering to loan policy.
• Obtains all documentation required for loan, including requirements for approval.
• Responds in a consistently courteous and professional manner to inquiries from members and potential members including information related to pending loan requests, current loan rates, terms, and related information.
• Assists in servicing credit union loans by processing payoff requests, extensions, revolving credit advances, lien satisfactions, loan file correction and adjustments.
• Balances loan disbursements, transfers and other transactions including GL clearings with data processing totals each day.
• Continually increases subject matter and product knowledge to successfully explain, refer, originate and complete any product offered by the credit union
• Attends meetings as required; reports to work on time and as scheduled; adheres to facility dress code

REQUIREMENTS:

EDUCATION: High school diploma or equivalent

EXPERIENCE:

• A minimum of 1 year of full time or equivalent loan servicing, including processing or collections, or 1 year of Financial Services Representative I or new account experience involving cross-selling of products, or 1 year of loan origination experience.

SKILLS:

• Knowledge of credit union deposit and loan products and services to include mortgages as well as ability to promote and cross-sell.
• Superior communication and interpersonal skills in order to conduct consistently professional and productive interviews with loan applicants which may involve recommending alternatives when credit analysis reveals ineligibility for a loan.
• Ability to provide consistently courteous and positive member service.