Bilingual Consumer Lending Specialist II

Overview

The Consumer Lending Specialist II is a skilled communicator, has proficient knowledge of consumer lending, and is responsible for sales, underwriting, and education of members and/or new lenders. They oversee the timely and thorough analyses of loan requests and evaluate the components and potential risk factors to appropriate decision applications. This position provides the full range of loan products and services to our members with emphasis on expanding and enriching member relationships by utilizing the department's service philosophy.

The LSII consistently educates members on credit, identifies members' best financial loan solutions, diagnoses additional cross‑sell opportunities, and refers members for non‑lending products.

This position is eligible for a $2,000 sign‑on bonus

• Consistently use needs based consultative‑style interactions to identify loan products that will financially benefit the member.
• Offer a personalized suite of protection products appropriate for each member that will enhance and protect their loans and credit.
• Be responsible for individual goals including loan volumes and booking efficiency.
• Actively ask open‑ended questions to identify opportunities for lending and deposit products and services.
• Demonstrate knowledge of sales behaviors and activities and incorporate at least some of them to obtain referrals that contribute to departmental and organization goals.

• Have regulatory knowledge and follow regulations and compliance requirements.
• Evaluate risk for the individual member and the organization in all applications, both within and beyond guidelines.
• Underwrite loans based on loan authority and make decision recommendations on applications outside of authority.
• Use lending and underwriting experience with the underlying story and compensating factors, to recognize possible solutions to assist the member while exercising appropriate risk tolerance for the Credit Union.
• Effectively determine exceptions to guidelines and employ consistently in applicable situations.
• Exercise sound judgment in determining compensating factors, base decisions on these factors, and notate appropriately in applications.
• Exhibit awareness and react appropriately to loan volumes, service levels and assist on other channels while maintaining department service standards.
• Can calculate verification of income from paystubs and have some knowledge of self‑employment tax returns. Understand basic trustee powers language in Certifications of Trust.
• Consistently monitor the queue awaiting final approval and own queue to ensure timely decisions and application booking.
• Ensure approval and delinquency ratios are within the range established by management for the economy or other compensating factors.

• Drive superior member service by effectively analyzing situations, asking discovery questions and making recommendations to enhance the member's financial position.
• Consistently educate members about their loan details and additional protection products.
• Maintain a high degree of knowledge in all credit union programs, ensuring quality service and accuracy is delivered to members and fellow employees.
• Demonstrate positive problem‑solving skills to effectively resolve member concerns and issues in almost all situations. Set an example for other lenders to de‑escalate most frustrated or angry member calls.
• Consistently document member interactions, appropriate decision comments and exceptions in loan software to ensure loan applications are accurate and complete in accordance with the department's service philosophy.
• Minimize fraud risk by using all available tools and resources to verify member identity and document all steps taken. Assist less experienced lenders with questionable applications and lend expertise to make fraud determination.
• Complete application follow‑up and closings in a timely fashion based on members' preferred delivery channel and timing.

• Take ownership for change. Exhibit most…