Lending Specialist

Do you have at least two years of lending experience?

Do you have strong communication skills to effectively guide our members through multiple delivery channels?

Would you like to work at a collaborative organization that thrives on providing outstanding member service both internally and externally?

Would you like to work at a multi-faceted, dynamic organization that thrives on teamwork and collaboration?

If so, we’d love to talk with you about Monterra Credit Union’s full-time Lending Specialist Position!

Located in the heart of the Bay Area, Monterra Credit Union is a community-centric and growth-oriented financial institution. We invest in the success of people and our community by giving back, making things easier, and committing ourselves to our members’ potential. Diversity, equity and inclusion are critical to our success, and we value the varied backgrounds and experiences that everyone brings to our organization.

If you value collaboration, forward-thinking, and giving back, this just might be the place for you.

SALARY & BENEFITSMonterra Credit Union reflects the value placed on employees by providing an excellent salary and benefits package:

Starting pay of $29.00 - $35.00 per hour depending on experience

Bilingual pay incentives (English/Spanish)
Semi-annual bonuses for meeting key financial and operational goals

Medical, Dental, Vision, Life, and Long-Term Disability insurances
401(k) including generous matching contributions

Discounts on financial products and services, including mortgage and auto loans

Paid time off, tuition reimbursement, and much more!

POSITION SUMMARY The Lending Specialist receives, processes, and evaluates loan requests utilizing all delivery channels currently available; including telephone, internet, online chat, text messaging, digital applications, and mail in a contact center environment. This position serves as a source of information for loan decisions, membership eligibility and requirements, member inquiries and Credit Union products and services. Responsible for reviewing, processing, funding, and following up on consumer loans while providing exceptional member service.

The role requires accuracy in loan documentation, data entry, funding activities, and maintenance of member records, while ensuring compliance with Credit Union policies, procedures, and regulatory requirements.

PRIMARY RESPONSIBILITIES Possesses thorough knowledge of Credit Union loan policies, regulations, credit granting criteria, documentation required for each loan type, DMV requirements, and ancillary products

Receives member loan requests through all delivery channels including telephone, internet, online chat, text messaging, digital applications and mail in a contact center environment.

Reviews, processes, evaluates and makes recommendations on consumer loan requests using sound judgment and routes loans for decision to a Centralized Underwriter with recommendation for approval or denial.

Facilitates clear and timely communication of loan decisions and funding requirements to applicants, including explaining adverse action decisions, recommending appropriate loan alternatives and product options, and conducting rate and payment calculations.

Responsible for follow up communication with applicants, members, branch associates, dealers pending applications, and loan pipeline management for direct and indirect loans through approved communication channels.

Cross-services members on Credit Union products and services including ancillary products, consumer loans, real estate loans, share accounts, certificates, investment services, online banking services, and other Credit Union offerings.

Provides assistance to new and existing members regarding all Credit Union products, services,…