Lending Sales Service Rep

OP CENTER
Department
LENDING SALES CALL CENTER
Ogden
1344 West 4675 South
Position Status
40 HR
Schedule
Mon – Sat Flex

Overview

Responsible for assisting members with their lending questions and loan applications. Explains credit policies and obtains additional loan information and documentation. Researches, evaluates, and determines whether loans meet Credit Union lending criteria and are within approved lending limits.

 

Provides members and prospective members with prompt, professional service. Identify additional cross-sell opportunities working in a sales-focused environment. Establishes and builds member relationships by advising and selling core deposit account, loan products, and other services. Interviews, counsels, and advises members regarding loans, deposits and other products and services, including investment referrals.

 

Ability to attain and exceed expected baselines in sales and service. Support marketing and lending initiatives by proactively soliciting additional business for the Credit Union and identifying and selling AFCU products and services.

Responsibilities

1.   Assumes responsibility for effectively completing assigned loan functions.

 

a.     Interviews, takes applications, and processes preliminary documentation on loan requests. Conducts interviews and discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit a positive response from the member. Refers member to Loan Review Committee or Counselor as needed.

 

b.     Evaluates loan applications and credit criteria and determines whether to continue the process or take the consultative approach.

 

c.     Researches and evaluates insurance information.

d.     Supports all promotions and campaigns.

 

e.     Researches opportunities to refinance auto/miscellaneous loans at other lending institutions.

 

f.     Codes own loans as necessary.

 

g.     Highly motivated and both sales and goal oriented

 

h.     Sells credit life, disability, and gap insurance as appropriate.

 

2.     Assumes responsibility for establishing and maintaining effective and professional business relationships with members.

 

a.       Responds to members' requests and questions promptly and courteously. Assists non-members through joining process.

 

b.       Informs members of Credit Union loan policies and services.

 

c.        Projects and maintains the Credit Union's professional reputation.

 

d.       Provides miscellaneous information to members including blue book prices, membership information, loan payments and loan rates.

 

e.     Assists in counseling members whose loan requests were denied, explaining reasons and alternatives.

 

3.     Assumes responsibility for establishing and maintaining effective coordination and communication with area personnel and with management.

 

a.     Completes reports and paperwork accurately and promptly.

 

b.     Communicates expectations and directions clearly to Loan Processors for processing and mailing paperwork to branches.

 

c.     Attends and participates in meetings as required.

 

d.     Keeps management informed of area activities and of any significant problems.

 

e.     Supports all Department and Credit Union personnel as necessary.

Qualifications

Training/Education/Certification:

 

  • High school graduate or equivalent Additional business related course work preferred.

 

 

Required Knowledge:

 

  • Thorough knowledge of Credit Union products, services, policies, and procedures
  • Knowledge of credit union lending procedures and LoanPro
  • Is competent in all essential computer applications required for the development of CU business, and related to increased profitability of Credit Unions
  • Understanding of Member Development techniques
  • MS Office software applications

               .

Experience Required:

 

  • Minimum of 2-5 years of progressive credit union experience a must, preferably in areas where product promotion, sales (in person and over the phone) and superior member service skills were demonstrated.
  • Some new account and loan experience preferable.
  • Excellent communication skills and public relations skills
  • Strong problem solving skills

 

Skills/Abilities:

 

  • Strong interviewing and selling skills.
  • Good communication and public relations skills.
  • Professional appearance and attitude.
  • Flexible and able to adapt to procedural changes.
  • Cooperative and works well with others.
  • Able to analyze loan documents.

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