Consumer Loan Originator

PFCU is an Equal Opportunity Employer.

Department:
Lending

Reports To:

Consumer Lending Sales Manager/VP of Lending/Chief Lending Officer

Pay Classification:
Hourly (FLSA Status: Non-Exempt)

Position Grade: 9

To assist the credit union in achieving its mission statement: “PFCU WILL DELIVER FINANCIAL WELL-BEING WITH VALUE, CONVENIENCE AND EXCEPTIONAL SERVICE”. The Consumer Loan Originator is responsible for making outbound phone calls to members regarding various items ranging from general services to presenting specific targeted sales opportunities. Additional responsibilities include accurate processing of applications for new accounts, loans, and other products and services received through all member channels.

Support, model & adhere to PFCU’s Service Standards as outlined in My MARC.

• Make contact with members to support sales or promotional campaigns, deepen relationships or cross-sell additional PFCU products or services, including initiating outbound contact on new indirect loan memberships or onboarding for new memberships from the online account opening process.
• Promote and provide loan products by outbound calls.
• Analyze member’s credit data, financial situation and financial goals.
• Follow-up and maintain pending loan queue. Maintain loan information and follow-up documentation.
• Proactively identify any financial need and educate members on each possible solution.
• Assist members with in-depth questions about their accounts.
• Accurately process incoming applications for new accounts, loans, and other products and services.
• Serve as the member liaison between loan origination and loan closing, ensuring timely processing of loan applications.
• Engage in continuous learning to maintain an adequate level of knowledge in all areas of responsibility.
• Demonstrate sensitivity, support, respect, flexibility, dependability and timeliness in taking personal responsibility and accountability for actions and performance.
• Build deeper relationships with members by cross-selling other credit union products and services.
• Meet or exceed established minimum performance expectations.
• Provide regular reports (as requested) regarding efforts and results.
• Maintain ongoing communication with supervisor, informing of all pertinent problems, irregularities, new developments, changes, and other important information within the area of responsibility.
• Demonstrate enthusiastic support of corporate mission, core values and long-term objectives.
• Seek training opportunities to develop or enhance skills through training, conferences, reading, etc. Willingly participate in and attend educational functions and meetings as requested by management.
• Perform all other duties as assigned.

Follows regulatory and policy compliance requirements including the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Red Flag and Anti-Money Laundering (AML) Regulations, and other compliance related policies.

Maintains confidentiality with regard to non-public information about our members, employees and the Credit Union. Protects member information and ensures financial transactions are confidential and private. Handles member information responsibly and confidentially.

Ensures the safety and security of all employees, follows all security policies and procedures at all times. Security is the responsibility of all employees.

Education:

High School Graduate or equivalent.

Work Experience:

Minimum two (2) years as an Experience Specialist, Consumer Lending Processor, Indirect Lending Processor or Development Support Specialist at PFCU is preferred. Equivalent sales experience in a similar role(s) outside of PFCU is also considered.

Language

Skills:

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations; write reports, business correspondence, and procedure manuals; effectively present information and respond to questions from managers, employees, clients, members, and the general public.

Mathematical

Skills:

Ability to add, subtract,…