Consumer Lending Specialist

Summary of Role

The Consumer Lending Specialist underwrites and processes consumer loan applications submitted by members through all channels. They ensure an outstanding member experience, high quality loan decisions that meet the credit union’s lending policies, and quick funding. The Specialist communicates regularly with members via phone, email, and text messaging, takes ownership of loan applications, and oversees successful completion through funding. They champion the use of digital loan processing solutions.

• Successful completion of the Lender Certification Program
• Maintain thorough understanding of all regulations governing consumer lending
• Underwrite and process consumer loan applications placed by members through all channels
• Monitor multiple Lending Center queues and ensure that service levels for underwriting and document review are consistently met
• Communicate directly with members regarding their loan applications in a highly effective and professional manner through multiple channels, including phone, email, text, and Meridian Link web messaging
• Use a proactive service delivery approach to maximize each member interaction, set expectations, prevent unnecessary member contact, and move applications toward funding at each touchpoint
• Consistently render accurate loan decisions in accordance with established policies and procedures
• Use strong analytical skills to review approved loans for items such as proper stipulation completion, proper rate and term handling, full document collection, identity verification, and proper system notation
• Consult with members and recommend products and services that meet member financial needs, including Broadview Insurance, payment protection, Wealth Management, and GAP coverages
• Be proficient in all technical applications including Meridian Link, FIS, Intranet, Internet, and have in‑depth knowledge of core systems
• Provide professional, quality service to members and assist with questions and problems related to the credit union’s loan programs
• Demonstrate a full understanding of current policies and procedures necessary to underwrite consumer and student loans
• Be skilled in personal and telephone interviewing techniques, including the ability to discuss loan alternatives in a manner that elicits a positive response from members
• Attend all appropriate job‑related external and in‑house training and departmental staff meetings
• Support the annual strategic goals by consistently pursuing assigned individual and team goals
• Review credit reports with members, noting any findings, including poor credit
• Offer knowledgeable financial counseling to members, staying current on the lending environment and economic conditions, and maintaining a strong understanding of lending risk
• Evaluate member borrowing history through the credit report, underwrite the loan request in accordance with policy, assess risk and members’ ability to repay, and submit recommended decisions
• Act as a champion for digital loan processing solutions, including online/mobile loan application, Mobile Application Center, Docu Sign, and text messaging
• Obtain loan documents for the member whenever possible to reduce effort in satisfying stipulations, and look for other ways to improve efficiency
• Provide recommendations for efficiencies and new ideas to meet goals
• Actively participate in Broadview’s community initiatives and fulfill volunteering expectations
• Perform other duties as assigned

• High school diploma and a minimum of one year’s experience in a related field
• Prior experience in underwriting, processing, and closing consumer loans including auto, RV/Boat, sportscraft, personal, and credit card; experience at Broadview or other financial institution strongly preferred
• Proven ability to review financial statements, including pay stubs, purchase agreements, insurance documents, and other supporting documentation
• Ability to identify red flags in loan scenarios and supporting documentation
• Prior experience in customer service, specifically cross‑selling within a financial services environment
• Proficiency in Microsoft Word and Excel
• Strong verbal…