Consumer Loan Advisor

SUMMARY

The Consumer Loan Advisor will serve as a trusted financial partner by delivering personalized lending solutions across phone, digital, and internal referral channels. This position will provide consultative, needs‑based guidance, structuring lending solutions aligned to each member’s financial goals and credit profile. The incumbent will utilize knowledge of lending practices while applying credit union core values to drive loan production, improve member financial well‑being, and deepen relationships.

This role manages an active pipeline of loan opportunities from application through funding, collaborates cross‑functionally, and is accountable for conversion, production, and member experience outcomes.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Education and/or
  
  Experience:
  
  High school diploma and 2 to 4 years of experience in consumer lending, financial services sales, or credit analysis within a financial institution, or an equivalent combination of education and consumer lending experience.
• Certificates, Licenses, Registrations: None required or preferred.
• Geographical
  
  Location:
  
  This position may be eligible for a flexible work arrangement. Individuals working in this position must be located within the state of California.

• Conduct consultative, needs-based conversations with members to identify and recommend appropriate lending solutions, including consumer loans and ancillary products, aligned with their financial goals. Guide members through the loan application process across phone, digital, and referral channels, building rapport to understand their financial position and provide credit guidance and financial education.
• Manage an active pipeline of loan applications from initial inquiry through funding, ensuring timely follow-up, strong engagement, and high conversion rates.
• Adhere to established service level agreements (SLAs) for application handling, decision communication, and funding timelines to ensure a consistent and high-quality member experience.
• Utilize available tools (credit reports, loan origination systems, CRM, and core systems) to structure solutions, evaluate creditworthiness, and present tailored loan options (rate, term, and structure).
• Proactively engage members through targeted outbound outreach, including pre-approved offers, refinance opportunities, and lifecycle-based campaigns to grow loan production and deepen relationships.
• Identify opportunities to expand member relationships by recommending relevant financial solutions, including deposit products, ancillary protection products, and new membership onboarding for non-members.
• Evaluate first and second mortgage opportunities and refer qualified members to the Mortgage Lending Department, ensuring a seamless transition and positive member experience.
• Partner closely with underwriting, processing, and branches to deliver a smooth, efficient, and consistent end-to-end lending experience.
• Clearly and professionally communicate underwriting decisions, including approvals, counteroffers, and declines, providing guidance and next steps to support member understanding and satisfaction.
• Maintain consistent and proactive communication with members, internal teams, and partners to meet or exceed defined SLA expectations and overall service standards.
• Detect and prevent potential fraud by conducting thorough review of applications, verifying member identity and documentation, identifying red flags, and escalating suspicious activity in accordance with credit union policies and regulatory requirements.
• Ensure adherence to internal fraud prevention controls, including verification procedures, documentation standards, and system safeguards to mitigate risk.
• Achieve or exceed individual and team performance goals, including loan production, conversion rates, member engagement, and relationship growth metrics.
• Collaborate with…