Consumer Lending Specialist II

Consumer Lending Specialist II Overview

The Consumer Lending Specialist II is a skilled communicator with 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, evaluate components and potential risk factors, and apply appropriate decision applications. This position provides a full range of loan products and services to our members, emphasizing expanding and enriching member relationships with the department’s service philosophy.

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

Why work for UW Credit Union? Join one of Wisconsin’s premier financial institutions, a National Top Workplace and multi‑year recipient of Madison Magazine’s Best Places to Work, Wisconsin State Journal’s Top Workplaces, and Milwaukee Journal Sentinel’s Top Workplaces to receive:

• 26.5 days of annual time off (accrued per pay period)
• 2 weeks paid caregiver leave
• 2.5 weeks paid new child parental leave
• 2 days paid volunteer time
• Hybrid work environment: minimum 3 days a week on‑site
• 10 paid holidays (including your birthday!)
• 401k company match of up to 5%, plus approximately 4% discretionary match
• 457 deferred‑compensation plan
• Variable bonus reward
• Competitive Medical, Dental, and Vision plans, including domestic partner eligibility
• Employee Assistance Program
• And more!

• 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…