Consumer Loan Sales

Description

Consumer Loan Sales Representative

Non-Exempt/ Full time

Lending

Lending Manager

No

General and business knowledge equivalent to a high school diploma

Credit union operations, including loan experience preferred, and sales experience in a financial setting.

The Consumer Loan Sales Representative is responsible for delivering exceptional member service while generating consumer loan volume and deepening member relationships through consultative sales. This role serves as a primary point of contact for new and existing members seeking lending solutions, guiding applicants through the loan process from application to closing, identifying cross-sell opportunities, and promoting credit union products and services that align with member needs.

The position requires strong knowledge of consumer lending practices, sound judgment, attention to detail, and a commitment to regulatory compliance, accuracy, and timely follow-up. Success in this role is measured by service quality, loan growth, operational accuracy, and the ability to support the credit union’s mission of providing trusted financial solutions to members.

• Open new member accounts, load loans, and disburse loans
• Proactively engage new and existing credit union members by phone or other electronic means
• Answers incoming member and/or non-member calls in a professional, courteous, and efficient manner, providing excellent member services to current and potential members
• Perform calls and loan requests in a way to develop a lending relationship with each member
• Meet or exceed established sales and service goals as defined by management. Must actively look for opportunities to increase loan volume as well as new accounts.
• Effectively cross-sell ancillary insurance products including but not limited to Life, GAP, Disability, and MBP.
• Review all loan officer work lists daily to actively target pending loan applications so that applications are funded within 24 hours or less.
• Serves as an information resource to members and non-members and possesses a thorough knowledge of products, services, policies and procedures, to handle all inquiries effectively.
• Search for further loan and cross sales opportunities with every encounter
• Obtain consumer loan credit reports and actively look for and offer members opportunities to save money.
• Maintain and follow up pending loan applications to ensure completeness and timelines of processing and funding of loans. Ensure quick turnaround of loan applications.
• Strive to meet monthly/yearly sales and credit union goals.
• Work with loan operation areas to ensure all necessary documentation is executed and received
• Release information concerning rates and credit check
• Records and reports must be accurate, complete and timely
• Comply with credit union policies and procedures.
• Observe an ethical and "non-hostile" work environment

• Customer service skills
• Excellent communication, teamwork, and interpersonal skills
• Familiar with PC's and applicable software including Outlook and Teams
• Strong financial, problem-solving and analytical skills
• Organizational Skills
• Multi-tasking skills

• Ability to sit for extended periods of time.
• Ability to communicate effectively in English, both orally and in writing
• Ability to receive information and hear sounds at normal speaking levels under normal conditions in an office setting.
• Visually able to perform activities such as preparing and analyzing data and figures, viewing a computer terminal and extensive reading.
• Sufficient manual skill for operation of PC keyboard and other standard office equipment
• Ability to exert minimum amounts of force occasionally to lift, carry, push, pull or move objects.
• From time to time, the Board of Directors may, in their discretion, set forth the educational and experience for the position.
• Ability to travel to other locations to provide coverage if needed.