Consumer Loan Specialist - Consumer Loans

Join our dynamic Consumer Loans team – the team which oversees personal loans (car loans, boat & RV loans, etc), providing quality service to all members throughout the consumer lending process.

Support a range of loan activity through loan requests and loan closings. Provide excellent service while maintain our service level standards and being compliant with government regulations. 

Essential Duties:

• Communicate final underwriting decisions to all consumer loan applicants and perform ongoing follow-up with approved applicants to increase loan funding ratios.
• Request and review all required documentation to secure a consumer loan and research or resolve discrepancies prior to scheduling closing; verify member information to prevent fraud and ensure accurate loan details.
• Coordinate loan closings with all consumer loan applicants by phone and/or electronically and promote member use of web banking and e-signature remote closing options, when possible.
• Advise retail staff and members with active loan applications on resolving any issues in order to proceed with the closing process; coordinate potential in-person branch loan signing based on member needs and branch staffing availability.
• Submit consumer loan applications, explain loan product details, rates, terms, payment amount, and all payment protection options including gap insurance and debt protection.
• Promote a variety of credit union products and services by identifying cross-sell opportunities, as well as alternative loan products when appropriate based on members’ needs and qualifications.
• Remain up-to-date and compliant on all government regulations and credit union policies related to consumer loan applications.
• Monitor all assigned phone and email queues, respond to member inquiries in a timely manner, maintain service level standards, and follow up with members as needed on potentially abandoned calls or requests

Requirements:

• Education and Experience
  • High school diploma or equivalent strongly preferred.
  • Minimum 1 year of related experience strongly preferred 

• Skills/Knowledge/Certifications
  • Basic knowledge of financial services and/or banking.
  • Strong written and verbal communication skills.
  • Exceptional customer service skills.
  • Team player yet able to work independently.
  • Computer literacy.
  • Attention to Detail.

Work Environment:

• After initial onboarding on-site in Chelsea, this position is eligible for Hybrid Work Agreement: minimum of 3 days/week in office. (Tuesdays, Wednesdays, and another day to be worked out within department).  

Why Join our team:

• Comprehensive Benefits:

• Health, Dental, and Vision coverage for employees working minimum of 20 hours/week; Metro provides assistance toward premiums and copays
• Annual bonus eligibility; annual retention bonus vesting program
• Three weeks paid vacation; 11 paid holidays
• 401(k) with matching plan & safe harbor plan – allowing every employee to save for retirement
• Wellness Incentives; Employee Assistance Program; Flexible Spending Account; Health Savings Account; Prescription Drug program and range of voluntary benefits (LTD, STD, AD&D); access to no-interest loans; $150/Quarter reimbursements for wellness and lifestyle expenses
• Discounts on Pet Insurance

• Strong growth opportunities with development plans and position-related or job-related tuition assistance to help you attain your long-term career goals
• Growing, dynamic environment - no day is ever the same and join an exceptional team of co-workers
• Exceptional Learning & Development opportunities (classroom, on-the-job, and mentoring) 
• Stable and growing organization

Apply today and explore this incredible opportunity and team!